Management Insight
Servicing intensity significantly exceeds revenue potential. Simplify or digitize.
Recommended Action
Digitize / Simplify
Net Profitability
€-58
Return on Revenue
-2.1%
RORWA
-0.9%
Products Used
4
Digital Usage
96/100
Risk Grade
A-
Client Profile
Avg Loan Balance€8K
Avg Deposit Balance€22K
Loan Rate10.5%
Deposit Rate0.4%
RWA€7K
PD1.1%
LGD32.0%
Collateral Level40.0%
Strategic ImportanceMedium
Growth PotentialHigh
Cross-Sell PotentialHigh
RM CoverageLow
Profitability Decomposition
What-If Scenario Simulation
Loan Spread Adjustment0bp
Fee Income Uplift0%
Op Cost Reduction0%
Card Cost Optimization0%
Current Profit
€-58
→
Scenario Profit
€-58
Impact
+€0