Management Insight
Marginal profitability. Candidate for repricing or cost optimization.
Recommended Action
Reprice
Net Profitability
€16K
Return on Revenue
2.2%
RORWA
0.1%
Products Used
7
Digital Usage
60/100
Risk Grade
B+
Client Profile
Avg Loan Balance€28.00M
Avg Deposit Balance€15.00M
Loan Rate4.5%
Deposit Rate2.0%
RWA€24.00M
PD2.2%
LGD40.0%
Collateral Level70.0%
Strategic ImportanceCritical
Growth PotentialMedium
Cross-Sell PotentialMedium
RM CoveragePremium
Profitability Decomposition
What-If Scenario Simulation
Loan Spread Adjustment0bp
Fee Income Uplift0%
Op Cost Reduction0%
Card Cost Optimization0%
Current Profit
€16K
→
Scenario Profit
€16K
Impact
+€0