Management Insight
High revenue eroded by excessive risk cost. Reassess collateral and pricing.
Recommended Action
Reprice
Net Profitability
€-340K
Return on Revenue
-47.1%
RORWA
-0.9%
Products Used
5
Digital Usage
22/100
Risk Grade
B
Client Profile
Avg Loan Balance€41.00M
Avg Deposit Balance€7.50M
Loan Rate5.1%
Deposit Rate1.4%
RWA€40.00M
PD3.8%
LGD52.0%
Collateral Level45.0%
Strategic ImportanceHigh
Growth PotentialLow
Cross-Sell PotentialLow
RM CoveragePremium
Profitability Decomposition
What-If Scenario Simulation
Loan Spread Adjustment0bp
Fee Income Uplift0%
Op Cost Reduction0%
Card Cost Optimization0%
Current Profit
€-340K
→
Scenario Profit
€-340K
Impact
+€0