Management Insight
High revenue eroded by excessive risk cost. Reassess collateral and pricing.
Recommended Action
Reprice
Net Profitability
€-1.03M
Return on Revenue
-135.8%
RORWA
-1.9%
Products Used
4
Digital Usage
20/100
Risk Grade
B-
Client Profile
Avg Loan Balance€55.00M
Avg Deposit Balance€8.00M
Loan Rate5.2%
Deposit Rate1.5%
RWA€55.00M
PD5.0%
LGD55.0%
Collateral Level40.0%
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
€-1.03M
→
Scenario Profit
€-1.03M
Impact
+€0