Management Insight
High revenue eroded by excessive risk cost. Reassess collateral and pricing.
Recommended Action
Reprice
Net Profitability
€-16K
Return on Revenue
-4.1%
RORWA
-0.1%
Products Used
5
Digital Usage
40/100
Risk Grade
B
Client Profile
Avg Loan Balance€14.00M
Avg Deposit Balance€2.80M
Loan Rate5.5%
Deposit Rate0.8%
RWA€13.00M
PD3.2%
LGD48.0%
Collateral Level52.0%
Strategic ImportanceLow
Growth PotentialMedium
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
€-16K
→
Scenario Profit
€-16K
Impact
+€0