Management Insight
Servicing intensity significantly exceeds revenue potential. Simplify or digitize.
Recommended Action
Review / Exit
Net Profitability
€-199
Return on Revenue
-11.0%
RORWA
0.0%
Products Used
2
Digital Usage
35/100
Risk Grade
A
Client Profile
Avg Loan Balance€0
Avg Deposit Balance€78K
Loan Rate0.0%
Deposit Rate1.2%
RWA€0
PD0.4%
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
€-199
→
Scenario Profit
€-199
Impact
+€0