Management Insight
Servicing intensity significantly exceeds revenue potential. Simplify or digitize.
Recommended Action
Review / Exit
Net Profitability
€-431
Return on Revenue
-26.7%
RORWA
0.0%
Products Used
2
Digital Usage
25/100
Risk Grade
A
Client Profile
Avg Loan Balance€0
Avg Deposit Balance€48K
Loan Rate0.0%
Deposit Rate0.8%
RWA€0
PD0.5%
LGD30.0%
Collateral Level100.0%
Strategic ImportanceLow
Growth PotentialLow
Cross-Sell PotentialLow
RM CoverageLow
Profitability Decomposition
What-If Scenario Simulation
Loan Spread Adjustment0bp
Fee Income Uplift0%
Op Cost Reduction0%
Card Cost Optimization0%
Current Profit
€-431
→
Scenario Profit
€-431
Impact
+€0