Management Insight
Marginal profitability. Candidate for repricing or cost optimization.
Recommended Action
Digitize / Simplify
Net Profitability
€107
Return on Revenue
3.9%
RORWA
0.6%
Products Used
2
Digital Usage
72/100
Risk Grade
B
Client Profile
Avg Loan Balance€22K
Avg Deposit Balance€9K
Loan Rate11.0%
Deposit Rate0.2%
RWA€18K
PD3.8%
LGD55.0%
Collateral Level20.0%
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
€107
→
Scenario Profit
€107
Impact
+€0