Commercial · Dashboards
Commercial Overview
Updated 2 min agoSources: Core banking · CRM · Risk
Region All regions
Segment All segments
Compare to Budget 2026
Loan book
€1.2B
▲ 5.1% vs LYNew lending MTD
€80M
▲ 7.3% vs LYDeposits
€1.6B
▲ 3.4% vs LYNet interest income YTD
€41.2M
▲ 4.6% vs LYNPL ratio
2.4%
▼ 0.2 pp vs LYLending vs budget
96%
Target 100%
€812M new lending YTD€846M budget
New lending vs budget
Monthly, € million · Nov–Dec forecast
ActualForecastBudget
Loan book mix
By product, outstanding balance
€1.2BLoan book
Mortgages58%€696M · avg. LTV 64%
SME27%€324M · 4,820 business clients
Consumer15%€180M · personal loans & overdrafts
Loan rate vs deposit rate
Average rate, %, monthly · spread 2.92 pp
Avg. loan rateAvg. deposit rate
Loan applications by stage
Applications, count · last 90 days
Approval rate: 66%Avg. time to decision: 3.2 days
Commercial Agent3 new insights today
Opportunity
1,850 variable-rate SME loans earn a margin below 2.0% over the base rate. Repricing them at renewal recovers about €2.6M a year.
1,850 variable-rate SME loans earn a margin below 2.0% over the base rate. Repricing them at renewal recovers about €2.6M a year.
Risk
Solvaro Logistics (€38M exposure): cash inflows are down 31% in 60 days and two payments were late — move to watchlist and call the client.
Solvaro Logistics (€38M exposure): cash inflows are down 31% in 60 days and two payments were late — move to watchlist and call the client.
Trend
Mortgage prepayments reached 7.8% annualised, up from 5.9% in Q2; refinancing offers could retain about €48M of balances.
Mortgage prepayments reached 7.8% annualised, up from 5.9% in Q2; refinancing offers could retain about €48M of balances.
Ask about lending, deposits, clients…
Key business clients
By exposure, YTD revenue
| Client | Segment | Exposure | Rate | Revenue YTD | Review date | Health |
|---|
Alerts
Commercial rules · last 24 h
