The Kohl Funds Transfer Pricing (FTP) Service is a further enhancement to the overall profitability equation. With a focus on practical, transparent FTP methodologies, Kohl's FTP service provides our core market of community banks and credit unions access to net interest margin information at 1/10th the cost that larger entities pay for this information. In addition, you don't need expensive analysts on staff to run our system and, therefore, scarce financial analytical resources can be deployed elsewhere.

Our FTP solution is a detailed instrument-by-instrument analysis with multiple FTP methodologies depending on the characteristics of the loan or deposit. The Kohl FTP Service covers the impact of prepayments, variable rate structures, Fixed/ARM combinations, and balloon notes all at the instrument level.  This product level flexibility provides for high analytic integrity.