Management Insight
Marginal profitability. Candidate for repricing or cost optimization.
Recommended Action
Reprice
Net Profitability
€24K
Return on Revenue
2.8%
RORWA
0.1%
Products Used
7
Digital Usage
30/100
Risk Grade
B
Client Profile
Avg Loan Balance€32.00M
Avg Deposit Balance€8.00M
Loan Rate5.2%
Deposit Rate1.8%
RWA€28.00M
PD3.5%
LGD50.0%
Collateral Level55.0%
Strategic ImportanceHigh
Growth PotentialLow
Cross-Sell PotentialLow
RM CoveragePremium
Profitability Decomposition
What-If Scenario Simulation
Loan Spread Adjustment0bp
Fee Income Uplift0%
Op Cost Reduction0%
Card Cost Optimization0%
Current Profit
€24K
→
Scenario Profit
€24K
Impact
+€0