Management Insight
High revenue eroded by excessive risk cost. Reassess collateral and pricing.
Recommended Action
Reprice
Net Profitability
€-57K
Return on Revenue
-13.6%
RORWA
-0.4%
Products Used
5
Digital Usage
55/100
Risk Grade
B
Client Profile
Avg Loan Balance€18.00M
Avg Deposit Balance€3.50M
Loan Rate5.0%
Deposit Rate1.0%
RWA€16.00M
PD3.0%
LGD45.0%
Collateral Level50.0%
Strategic ImportanceMedium
Growth PotentialMedium
Cross-Sell PotentialMedium
RM CoverageHigh
Profitability Decomposition
What-If Scenario Simulation
Loan Spread Adjustment0bp
Fee Income Uplift0%
Op Cost Reduction0%
Card Cost Optimization0%
Current Profit
€-57K
→
Scenario Profit
€-57K
Impact
+€0