Management Insight
High revenue eroded by excessive risk cost. Reassess collateral and pricing.
Recommended Action
Reprice
Net Profitability
€-99K
Return on Revenue
-15.5%
RORWA
-0.4%
Products Used
4
Digital Usage
25/100
Risk Grade
B-
Client Profile
Avg Loan Balance€22.00M
Avg Deposit Balance€4.00M
Loan Rate5.8%
Deposit Rate1.2%
RWA€22.00M
PD4.5%
LGD55.0%
Collateral Level45.0%
Strategic ImportanceMedium
Growth PotentialLow
Cross-Sell PotentialLow
RM CoverageHigh
Profitability Decomposition
What-If Scenario Simulation
Loan Spread Adjustment0bp
Fee Income Uplift0%
Op Cost Reduction0%
Card Cost Optimization0%
Current Profit
€-99K
→
Scenario Profit
€-99K
Impact
+€0