Management Insight
Servicing intensity significantly exceeds revenue potential. Simplify or digitize.
Recommended Action
Review / Exit
Net Profitability
€-260
Return on Revenue
-10.5%
RORWA
-1.6%
Products Used
2
Digital Usage
60/100
Risk Grade
C+
Client Profile
Avg Loan Balance€18K
Avg Deposit Balance€3K
Loan Rate13.5%
Deposit Rate0.1%
RWA€16K
PD5.5%
LGD65.0%
Collateral Level10.0%
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
€-260
→
Scenario Profit
€-260
Impact
+€0