Management Insight
High revenue eroded by excessive risk cost. Reassess collateral and pricing.
Recommended Action
Reprice
Net Profitability
€-363K
Return on Revenue
-74.7%
RORWA
-1.0%
Products Used
3
Digital Usage
18/100
Risk Grade
B
Client Profile
Avg Loan Balance€38.00M
Avg Deposit Balance€5.00M
Loan Rate5.0%
Deposit Rate1.2%
RWA€38.00M
PD3.5%
LGD50.0%
Collateral Level50.0%
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
€-363K
→
Scenario Profit
€-363K
Impact
+€0