Management Insight
Servicing intensity significantly exceeds revenue potential. Simplify or digitize.
Recommended Action
Review / Exit
Net Profitability
€-5
Return on Revenue
-0.1%
RORWA
-0.1%
Products Used
3
Digital Usage
94/100
Risk Grade
B
Client Profile
Avg Loan Balance€12K
Avg Deposit Balance€5K
Loan Rate11.5%
Deposit Rate0.2%
RWA€10K
PD3.4%
LGD55.0%
Collateral Level20.0%
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
€-5
→
Scenario Profit
€-5
Impact
+€0