Management Insight
High revenue eroded by excessive risk cost. Reassess collateral and pricing.
Recommended Action
Reprice
Net Profitability
€-594K
Return on Revenue
-114.4%
RORWA
-1.4%
Products Used
3
Digital Usage
15/100
Risk Grade
B-
Client Profile
Avg Loan Balance€42.00M
Avg Deposit Balance€6.00M
Loan Rate4.8%
Deposit Rate1.8%
RWA€42.00M
PD4.2%
LGD50.0%
Collateral Level60.0%
Strategic ImportanceMedium
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
€-594K
→
Scenario Profit
€-594K
Impact
+€0