Management Insight
High revenue eroded by excessive risk cost. Reassess collateral and pricing.
Recommended Action
Reprice
Net Profitability
€-392K
Return on Revenue
-46.7%
RORWA
-0.9%
Products Used
6
Digital Usage
28/100
Risk Grade
B
Client Profile
Avg Loan Balance€48.00M
Avg Deposit Balance€10.00M
Loan Rate4.6%
Deposit Rate2.0%
RWA€45.00M
PD3.8%
LGD52.0%
Collateral Level48.0%
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
€-392K
→
Scenario Profit
€-392K
Impact
+€0