Management Insight
Marginal profitability. Candidate for repricing or cost optimization.
Recommended Action
Digitize / Simplify
Net Profitability
€490
Return on Revenue
8.6%
RORWA
1.8%
Products Used
3
Digital Usage
92/100
Risk Grade
B
Client Profile
Avg Loan Balance€35K
Avg Deposit Balance€7K
Loan Rate9.5%
Deposit Rate0.2%
RWA€28K
PD3.0%
LGD50.0%
Collateral Level30.0%
Strategic ImportanceLow
Growth PotentialMedium
Cross-Sell PotentialMedium
RM CoverageLow
Profitability Decomposition
What-If Scenario Simulation
Loan Spread Adjustment0bp
Fee Income Uplift0%
Op Cost Reduction0%
Card Cost Optimization0%
Current Profit
€490
→
Scenario Profit
€490
Impact
+€0