Week 18 05-02-2022

MANAGEMENT MEETING
Duration: 8:30am - 12:25am
Venue: Virtual Via Google Meet
Presided by: Faith Ozegbe

ATTENDEES

ABDULLAHI NAJIMUDEEN       -  Head, Internal Operations
ADETAYO OLUKOGA                 -  Asset Creation
ANIEKAN UDOH                       -  National Channel Manager
ANTHONIA OGBU                    - Lead, Underwriting
BLESSING YAHAYA                    -  Ag head, Treasury
CHIAMAKA EZENWA                 - Legal
EDNA EJIMAKOR                       - Branch Head, Port Harcourt
EMMANUEL ONAKOYA             -  Head, CRM
EZINNE UMOZURIKE                 -  Lead, Legal 
FIDELIS AZUBUIKE                     -  Head, Software
FAITH OZEGBE                           -  Acting Secretary
GODFREY EGBUOKPORO           -  Ag. Head, Communications
IBEREAYO AMOO                        - Ag. Human Resources
ISMAIL BALOGUN                       -  Account
ISIMEMEN EBHOMIEN                - Account
ITIEKHAO IKPEMINOGENA          - General Manager
KEHINDE OYEBADE                     -  Ag. Head Business Operations
KHADIJAH RAJI                            - Relationship Manager, Corporate Lease
LINDA OTTAH-IJEKEYE                -  Brokers Admin
NANCY ANAYOCHUKWU            - Head, Telesales
OLUSEGUN AKEJU                       -  Portfolio Risk Analyst
OLUWADAMILARE OLAYINKA     -  Transformation
OLUWAFISAYO OMOPARIOLA     - Sales Operations & Strategy
OLUWASEGUN BOLAWOLE         -  Strategic Partnership
OLUWOLE EWEJOBI                     -  Head, Information Technology
OMOWALE BELLO                        -  Cooperate Lease
PETER OJUKWU                           -  Ag, Head, Recovery & Collections
SAMUEL OTTAH                           -  Rep, Product Development
SOPHIA DAGI                               -  Ag Head, Client Experience Management
STANLEY MAFUVWE                    - Lead, Asset Remedial Management

OPENING PRAYER
Fidelis Azubuike said the opening prayer 

ADOPTION OF MINUTES
Ismail Balogun seconded by Faith Ozegbe adopted the minutes of the last meeting.

ORDER OF PRESENTATION
Communications, Sales Operations, Asset Creation, Public Sector, Strategic Partnership, Co-operate Lease, Port Harcourt, Treasury, Credit Risk Management, Transformation, Legal, Human Resources, Software, Information Technology, Internal Operations.

ACTIVITY REPORT (24th – 28th April, 2023)

Communications Team Report
The volume of inquiries generated in the month under review increased by 137.6%. Our engagement on digital media increased by 3.85%. Our total audience reach decreased by 9.2% while followership increased by 0.6%. Facebook is the highest inquiry-generating channel while Personal loan is the most enquired product for the month at 86.3% of product share.

Sales Operations and Strategy Team Report
RISK ASSET
Overall Sales – 162.38M
Operating Lease Performing the highest
Team Performance: Telesales: 11.02%2.86%, Lease - 33.95%, Sales: 88.98%63.19%
Product Type Performance: Public – 8.79M (11.04%), Personal Loan - 114.53M (91.21%).
Unit Location Performance: Lagos- 66.1M, Abuja - 26.3M,122.5M, Port Harcourt – 14M,19.1M, Abuja - 14.5M, Oyo - 3.3M, Anambra - 1.7M, Ondo - 1.0M, Anambra -Rivers 0.50M3M

Tele-sales Team Report
The total amount consummated by the team for the week in review is 9.6M (18% of the week’s target) at 11 counts with core tele sales and tele sales-cold call team consummating 7.4M (67% of the week’s target) at 7 counts and 2.1M (5% of the week’s target) at 4 counts respectively.

 Asset Creation report
For the period in review, Transactions disbursed are 93.8M86.4M. Others are at various transaction stages.

 Asset Creation Report (Public Sector)
For the period in review, Transactions disbursed are 20.7M26.2M. Others are at various transaction stages.

Strategic Partnership Team Report
For the period in review, the total sales achieved is 7.2M7M (6368% 0f the budget). The report also captures the activities, visits, and pending partnerships in the public and private sectors.

Brokers Admin Team Report
The week in review shows liability generation is 62.95.4% (12.1M) of the budget. Risk Asset Transaction Disbursed for the week 2.2M,150K, Fresh Fund (RTN) for the Week 12M,Nil, Reap Fund for the week 100K,540K, Rollover for the week nil,500K, Liquidation for the week nil.44M. The report also captured Pending RTN transactions.

Cooperate Lease Team Report
shows all transactions of the existing operating lease clients and their outstanding payments. The report also captures transactions in the pipeline (operating lease).

AbujaPort TeamHarcourt Report
The report captures the activities for the period in review, pipelines, and constraints.

Wealth Management Team Report
ForThe report captures the weekactivities in review Executive summary showsfor the Liquidity Requirement status as BAD. Week 13 experienced a net positive change in cash flow from 64M positive in week 12 to 85M positive. Treasury reported a negative 185M total NetFlow, with 44 million inflows and 2229 million outflows.week.

Credit Risk Management Report
The report shows Core underwriters approved 196 transactions, and pushed back 92 transactions. The senior underwriters approved 153 transactions and pushed back 77 transactions. PDO recovery is 25M28M at 301308 counts (51%105% of the target). Extended interest recovery as 1.7M1M at 2421 counts (48%28% of the target), Provisioned Accounts recovery as 3M1.2M at 2713 counts (102%30% of the target).

Transformation Team Report
Captures ongoing and completed projects.

Legal Team Report
The report captures the litigation and other tasks for the week in review

Human Resource Team Report
The report shows the activities carried out by the HR Admin, Learning and Development, People and Culture, and HRBP. It also shows completed and ongoing projects for the next month. A total of 4247 staff were hired.

Software Team Report
Captures ongoing and completed projects.

Information & Technology Team Report
Captures the ongoing and completed projectsprojects.

Internal Operations Team Report
Captures the ongoing and completed projectsprojects.

RISK ASSET GENERATION REPORT

  

ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					LAGOS BRANCH PERFORMANCE
	WEEK	1517		Ending				15-29-Apr-23
	BAL B/F	WEEK 1517	ACTUAL PERFORMANCE	ACTUAL	NET PERFORMANCE	CUMULATIVE 2023 BUDGET	BUDGET VARIANCE  YEAR TO DATE	PERFORMANCE  YEAR TO DATE	% CHANGE BETWEEN 2022 & 2023
		ACTUAL PERFOMANCE	YEAR TO DATE	PRE-LIQUIDATED LOANS	YEAR TO DATE
		2023	2023	2023	2023	2023	2023	2022	2022 vs 2023
PRODUCTS
Personal Loan / Public Sector Employee Loan	639,473,768,030,987.84	45,626,66,328,000.00	685,099,834,358,987.84	33,476,350.00	651,623,800,882,637.84	1,320,701,582.35496,795,126.66	-51%46%	482,838,871.581,666,271.27	42%43%
Consumer Leases	951,141.97		951,141.97		951,141.97	27,906,818.0331,627,727.10	-97%	1,049,188.15	-9%
Asset Cash Loan	-		-		-			0%
SPBS	-		-		-			0%
Sub-Total	640,425,129.81	45,626,000.00	686,051,129.81	33,476,350.00	652,574,779.81	1,348,608,400.38	-51.61%	483,888,059.42	42%
Corporate Leases			-		-	3,860,415.93	-100%		0%
OperatingSPBS	-		-		-		0%
Sub-Total	768,982,129.81	66,328,000.00	835,310,129.81	33,476,350.00	801,833,779.81	1,528,422,853.76	-47.54%	582,715,459.42	43%
Corporate Leases			-		-	281,769,508.044,375,138.05	-100%	25,531,250.00	-100%0%
Operating Leases		55,000,000.00	55,000,000.00		55,000,000.00	319,338,775.78	-83%	25,531,250.00	115%
Business Support Loan/ACL-Corporate	13,582,800.00	-	13,582,800.00		13,582,800.00	4,545,824.595,151,934.54	199%164%	5,000,000.00	172%
Sub-Total	13,582,800.00	-55,000,000.00	13,68,582,800.00	-	13,68,582,800.00	290,175,748.57328,865,848.38	-95.32%79.15%	30,531,250.00	-56%125%
B2C - Products	640,425,768,982,129.81	45,626,66,328,000.00	686,051,835,310,129.81	33,476,350.00	652,574,801,833,779.81	1,348,608,400.38528,422,853.76	-52%48%	483,888,059.582,715,459.42	42%43%
B2B - Products	13,582,800.00	-55,000,000.00	13,68,582,800.00	-	13,68,582,800.00	290,175,748.57328,865,848.38	-95%79%	30,531,250.00	-56%125%
TOTAL FOR LAGOS	654,007,782,564,929.81	45,626,121,328,000.00	699,633,903,892,929.81	33,476,350.00	666,157,870,416,579.81	1,638,784,148.94857,288,702.13	-59.35%53.14%	514,419,309.613,246,709.42	36%47%
Cash Backed loan / Credit Card	1,000,000.00	350,000.00	1,350,000.00		1,000,350,000.00	43,813,416.33	1,000,000.00-97%	38,658,896.7634,250,000.00	-97%	34,150,000.00	-97%96%
Total Risk Assets & Cash-Backed Loan	655,007,783,564,929.81	45,626,121,678,000.00	700,633,905,242,929.81	33,476,350.00	667,157,871,766,579.81	1,677,443,045.71901,102,118.47	-60.23%54.14%	548,569,309.647,496,709.42	28%40%
ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ABUJA BRANCH PERFORMANCE
	WEEK	1517		Ending				15-29-Apr-23
	BAL B/F	WEEK 1517	ACTUAL PERFORMANCE	ACTUAL	NET PERFORMANCE	CUMULATIVE 2023 BUDGET	BUDGET VARIANCE  YEAR TO DATE	PERFORMANCE  YEAR TO DATE	% CHANGE BETWEEN 2022 & 2023
		ACTUAL PERFOMANCE	YEAR TO DATE	PRE-LIQUIDATED LOANS	YEAR TO DATE
		2023	2023	2023	2023	2023	2023	2022	2023 vs 2022
PRODUCTS
Personal Loan / Public Sector Employee Loan	193,990,219,370,297.00	10,308,9,725,000.00	204,298,229,095,297.00	1,516,555.61	202,781,227,578,741.39	733,723,101.31831,552,848.15	-72%73%	170,396,100.00205,274,098.98	20%12%
Consumer Leases			-		-	15,503,787.7917,570,959.50	-100%	-	0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Abuja	193,990,219,370,297.00	10,308,9,725,000.00	204,298,229,095,297.00	1,516,555.61	202,781,227,578,741.39	749,226,889.10849,123,807.65	-73%	170,396,100.00205,274,098.98	20%12%
Corporate Lease			-		-	2,144,675.52430,632.25	-100%		0%
Operating Leases			-		-	156,538,615.58177,410,430.99	-100%		0%
Business Support Loan/ACL-Corporate			-		-	2,525,458.11862,185.86	-100%		0%
Sub-Total B 2 B Leases	-	-	-	-	-	161,208,749.20182,703,249.10	-100%	-	0%
					-
B2C - Products	193,990,219,370,297.00	10,308,9,725,000.00	204,298,229,095,297.00	1,516,555.61	202,781,227,578,741.39	749,226,889.10849,123,807.65	-73%	170,396,100.00205,274,098.98	20%12%
B2B - Products	-	-	-	-	-	161,208,749.20182,703,249.10	-100%	-	0%
TOTAL FOR ABUJA	193,990,219,370,297.00	10,308,9,725,000.00	204,298,229,095,297.00	1,516,555.61	202,781,227,578,741.39	910,435,638.301,031,827,056.74	-78%	170,396,100.00205,274,098.98	20%12%
Cash Backed loan / Credit Card			-		-	21,477,164.8724,340,786.85	-100%		0%
Total Risk Assets & Cash-Backed Loan	193,990,219,370,297.00	10,308,9,725,000.00	204,298,229,095,297.00	1,516,555.61	202,781,227,578,741.39	931,912,803.171,056,167,843.59	-78%	170,396,100.00205,274,098.98	20%12%
ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					PORT-HARCOURT BRANCH PERFORMANCE
	WEEK	1517		Ending				15-29-Apr-23
	BAL B/F 2023	WEEK 1517	PERFORMANCE YEAR TO DATE 2023	PRE-LIQUIDATED LOANS 2022	NET PERFORMANCE 2023	CUMULATIVE 20222023 BUDGET	BUDGET VARIANCE  YEAR TO DATE 2022	PERFORMANCE  YEAR TO DATE 2022	% CHANGE BETWEEN 2022 & 2023
		ACTUAL PERFOMANCE	YEAR TO DATE	PRE-LIQUIDATED LOANS	YEAR TO DATE
		2023	2023	2023	2023	2023	2023	2022	2022 vs 2023
PRODUCTS
Personal Loan / Public Sector Employee Loan	175,711,200,668,863.40	9,679,15,701,000.00	185,390,216,369,863.40	11,984,291.39	173,406,204,385,572.01	880,467,721.57997,863,417.78	-80%	233,756,270,803,000.00	-21%20%
Consumer Leases			-		-	18,604,545.3521,085,151.40	-100%		0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Port Harcourt	175,711,200,668,863.40	9,679,15,701,000.00	185,390,216,369,863.40	11,984,291.39	173,406,204,385,572.01	899,072,266.921,018,948,569.17	-80.71%79.94%	233,756,270,803,000.00	-21%20%
Corporate Leases			-		-	2,573,610.62916,758.70	-100%		0%
Operating Leases	336,000,250.00		336,000,250.00		336,000,250.00	187,846,338.70212,892,517.19	79%58%		0%
Business Support Loan/ACL-Corporate			-		-	3,030,549.73434,623.02	-100%		0%
Sub-Total B 2 B Leases	336,000,250.00	0	336,000,250.00	0	336,000,250.00	193,450,499.04219,243,898.91	73.69%53.25%	0	0%
							-		0%
B2C - Products	175,711,200,668,863.40	9,679,15,701,000.00	185,390,216,369,863.40	11,984,291.39	173,406,204,385,572.01	899,072,266.921,018,948,569.17	-81%80%	233,756,270,803,000.00	-21%20%
B2B - Products	336,000,250.00	-	336,000,250.00	-	336,000,250.00	193,450,499.04219,243,898.91	74%53%	-	0%
TOTAL FOR PORT HARCOURT	511,712,536,669,113.40	9,679,15,701,000.00	521,391,552,370,113.40	11,984,291.39	509,406,540,385,822.01	1,092,522,765.96238,192,468.09	-53.37%56.36%	233,756,270,803,000.00	123%104%
							0%		0%
Cash Backed loan / Credit Card						25,772,597.8429,208,944.22	-100%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	511,712,536,669,113.40	9,679,15,701,000.00	521,391,552,370,113.40	11,984,291.39	509,406,540,385,822.01	1,118,295,363.80267,401,412.31	-54.45%57.36%	233,756,270,803,000.00	123%104%
ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ANAMBRA BRANCH PERFORMANCE
	WEEK	WEEK 1517		Ending				PERFORMANCE  YEAR TO DATE 2022
	BAL B/F 2023	ACTUAL PERFOMANCE	PERFORMANCE YEAR TO DATE 2023	PRE-LIQUIDATED LOANS 2022	NET PERFORMANCE 2023	CUMULATIVE 2022 BUDGET	BUDGET VARIANCE  YEAR TO DATE 2022	PERFORMANCE  YEAR TO DATE 2022	% CHANGE BETWEEN 2022 & 2023
		ACTUAL PERFOMANCE	YEAR TO DATE	PRE-LIQUIDATED LOANS	YEAR TO DATE
		2023	2023	2023	2023	2023	2023	2022	2022 vs 2023
PRODUCTS
Personal Loan / Public Sector Employee Loan	2,829,8,468,000.00	1,665,500,000.00	4,494,9,968,000.00		4,494,9,968,000.00		0%		0%
Consumer Leases			-		-		0%		0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Port Harcourt	2,829,8,468,000.00	1,665,500,000.00	4,494,9,968,000.00	0	4,494,9,968,000.00	0	0.00%	0	0%
Corporate Leases			-		-		0%		0%
Operating Leases			-		-		0%		0%
Business Support Loan/ACL-Corporate			-		-		0%		0%
Sub-Total B 2 B Leases	0	0	0	0	0	0	0.00%	0	0%
							-		0%
B2C - Products	2,829,8,468,000.00	1,665,500,000.00	4,494,9,968,000.00	-	4,494,9,968,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ANAMBRA	2,829,8,468,000.00	1,665,500,000.00	4,494,9,968,000.00	0	4,494,9,968,000.00	0	0.00%	0	0%
							0%		0%
Cash Backed loan / Credit Card							0%	PERFORMANCE YEAR TO DATE 2021	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	2,829,8,468,000.00	1,665,500,000.00	4,494,9,968,000.00	0	4,494,9,968,000.00	0	0.00%	0#VALUE!	0%
ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					OYO BRANCH PERFORMANCE
	WEEK	ACTUAL PERFOMANCE		Ending				PERFORMANCE  YEAR TO DATE 2022
	BAL B/F 2023	ACTUAL PERFOMANCE	PERFORMANCE YEAR TO DATE 2023	PRE-LIQUIDATED LOANS 2022	NET PERFORMANCE 2023	CUMULATIVE 2022 BUDGET	BUDGET VARIANCE  YEAR TO DATE 2022	PERFORMANCE  YEAR TO DATE 2022	% CHANGE BETWEEN 2022 & 2023
		ACTUAL PERFOMANCE	YEAR TO DATE	PRE-LIQUIDATED LOANS	YEAR TO DATE
		2023	2023	2023	2023	2023	2023	2022	2022 vs 2023
PRODUCTS
Personal Loan / Public Sector Employee Loan	3,925,8,005,000.00	445,2,860,000.00	4,370,10,865,000.00		4,370,10,865,000.00		0%		0%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	3,925,8,005,000.00	445,2,860,000.00	4,370,10,865,000.00	0	4,370,10,865,000.00	0	0.00%	0	0%
Corporate Leases					-		0%		0%
Operating Leases					-		0%		0%
Business Support Loan/ACL-Corporate					-		0%		0%
Sub-Total B 2 B Leases	0	0	0	0	0	0	0.00%	0	0%
B2C - Products	8,005,000.00	2,860,000.00	10,865,000.00	-	10,865,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR OYO	8,005,000.00	2,860,000.00	10,865,000.00	0	10,865,000.00	0	0.00%	0	0%
Cash Backed loan / Credit Card							-0%	0	0%
B2C - Products	3,925,000.00	445,000.00	4,370,000.00	-	4,370,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR OYO	3,925,000.00	445,000.00	4,370,000.00	0	4,370,000.00	0	0.00%	0	0%
							0%		0%
Cash Backed loan / Credit Card							0%		0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	3,925,8,005,000.00	445,2,860,000.00	4,370,10,865,000.00	0	4,370,10,865,000.00	0	0.00%	0	0%
ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					CONSOLIDATEDONDO BRANCH PERFORMANCE
CONSOLIDATED	WEEK	ACTUAL PERFOMANCE		Ending				PERFORMANCE YEAR TO DATE 2022
	BAL B/F 2023	WEEKACTUAL 15PERFOMANCE	PERFORMANCE YEAR TO DATE 2023	PRE-LIQUIDATED LOANS 20232022	NET PERFORMANCE 2023	CUMULATIVE 20232022 BUDGET	BUDGET VARIANCE  YEAR TO DATE 2022	PERFORMANCE  YEAR TO DATE 2022	% CHANGE BETWEEN 20232022 & 2022
Personal Loan	1,015,930,148.24	67,723,000.00	1,083,653,148.24	46,977,197.00	1,036,675,951.24	2,934,892,405.23	-65%	886,990,971.27	22%
Cash Backed loan / Credit Card	1,000,000.00	-	1,000,000.00	-	1,000,000.00	85,908,659.47	-99%	34,150,000.00	-97%
Consumer Leases	951,141.97	-	951,141.97	-	951,141.97	62,015,151.17	-98%	1,049,188.15	-9%
Asset Cash Loan	-	-	-	-	-		0%	-	0%
SPBS	-	-	-	-	-		0%	-	0%
Business Support Loan/ACL-Corporate	13,582,800.00	-	13,582,800.00	-	13,582,800.00	10,101,832.43	34%	5,000,000.00	172%
Corporate Leases	-	-	-	-	-	8,578,702.06	-100%	-	0%
Operating Leases	336,000,250.00	-	336,000,250.00	-	336,000,250.00	626,154,462.32	-46%	25,531,250.00	1216%2023
		ACTUAL PERFOMANCE	YEAR TO DATE	PRE-LIQUIDATED LOANS	YEAR TO DATE
		2023	2023	2023	2023	2023	2023	2022	2022 vs 2023
PRODUCTS
Total Risk Assets & Cash-BackedPersonal Loan / Public Sector Employee Loan	1,367,464,340.21350,000.00	67,723,750,000.00	1,435,187,340.21100,000.00	46,977,197.00	1,388,210,143.21100,000.00	3,727,651,212.68	-62.76%0%	952,721,409.42	50.64%0%

Consumer

TREASURYLeases MANAGEMENT
REPORT

GENERATIONREPORT ROSABONSERVICESLTD-RISKGENERATION CONSOLIDATED

	-		0%		0%
ROSABONAsset FINANCIALCash SERVICESLoan	LIABILITY					-	0%		0%
SPBS						-	0%		0%
Sub-Total Port Harcourt	350,000.00	750,000.00	1,100,000.00	0	1,100,000.00	0	0.00%	0	0%
Corporate Leases					-		0%		0%
Operating Leases					-		0%		0%
Business Support Loan/ACL-Corporate					-		0%		0%
Sub-Total B 2 B Leases	0	0	0	0	0	0	0.00%	0	0%
B2C - Products	350,000.00	750,000.00	1,100,000.00	-	1,100,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	350,000.00	750,000.00	1,100,000.00	0	1,100,000.00	0	0.00%	0	0%
Cash Backed loan / Credit Card							0%	0	0%
Total Risk Assets & Cash-Backed Loan	WEEK350,000.00	15750,000.00	Ending1,100,000.00	15-Apr-230	1,100,000.00	0	0.00%	0
LAGOS	BAL B/F	INFLOW	OUTFLOW	NET FLOW	CUM BUDGET YEAR TO DATE	PERFORMANCE YEAR TO DATE	PERFORMANCE YEAR TO DATE	BUDGET VARIANCE YEAR TO DATE	% CHANGE BETWEEN 2023 & 2022 (ACTUAL)
		2023	2023	2023	2023	2023	2022	2022
TENOR FUND	-84,737,860.15	60,600,000.00	83,614,351.03	-23,014,351.03	249,434,179.31	-107,752,211.18	465,796,886.13	-357,186,390.49	-123%
R-WIN	-11,098,524.81	285,000.00	250,000.00	35,000.00	5,482,069.88	-11,063,524.81	-6,484,018.31	-16,545,594.69	71%
REAP PRODUCT	-3,655,493.35	570,000.00	10,029.61	559,970.39	19,187,244.56	-3,095,522.96	1,240,298.93	-22,282,767.52	-350%
RBIP									-
TOTAL	-99,491,878.31	61,455,000.00	83,874,380.64	-22,419,380.64	274,103,493.75	-121,911,258.95	460,553,166.75	-396,014,752.70	-126%
ABUJA
TENOR FUND	26,934,089.38	2,000,000.00		2,000,000.00	110,859,635.25	28,934,089.38	45,813.50	-81,925,545.87	63056%
R-WIN	-			-	2,436,475.50	-	-	-2,436,475.50	-
REAP PRODUCT	-351,683.61			-	8,527,664.25	-351,683.61	-72,366.87	-8,879,347.86	386%
TOTAL	26,582,405.77	2,000,000.00	-	2,000,000.00	121,823,775.00	28,582,405.77	-26,553.37	-93,241,369.23	-107741%
WARRI
TENOR FUND		-	-	-		-		-	0%
R-WIN		-	-	-		-	-	-	0%
REAP PRODUCT		-	-	-		-	-	-	0%
TOTAL		-	-	-	-	-	-	-	0%
TOTAL	-72,909,472.54	63,455,000.00	83,874,380.64	-20,419,380.64	395,927,268.75	-93,328,853.18	460,526,613.38	-	-120%
PORT-HARCOURT
			WEEK 15
TENOR FUND	366,111,399.73	27,500,000.00	8,344,974.70	19,155,025.30	194,004,361.69	385,266,425.03	13,504,013.68	191,262,063.34	2753%
R-WIN	280,000.00			-	4,263,832.31	280,000.00	229,417.68	-3,983,832.31	22%
REAP PRODUCT	1,246,840.29	250,150.00	100,000.00	150,150.00	14,923,412.25	1,396,990.29	1,001,527.66	-13,526,421.96	39%
	367,638,240.02	27,750,150.00	8,444,974.70	19,305,175.30	213,191,606.25	386,943,415.32	14,734,959.02	173,751,809.07	2526%
CONSOLIDATED	BALFINANCIAL B/F	INFLOW	OUTFLOW	NETASSET FLOW	CUM BUDGET YEAR TO DATE	PERFORMANCE YEAR TO DATE	PERFORMANCE YEAR TO DATE	BUDGET VARIANCE YEAR TO DATE	% CHANGE BETWEEN 2023 & 2022 (ACTUAL)
TENOR FUND	308,307,628.96	90,100,000.00	91,959,325.73	-1,859,325.73	554,298,176.25	306,448,303.23	479,346,713.31	-247,849,873.02	-36%
R-WIN	-10,818,524.81	285,000.00	250,000.00	35,000.00	12,182,377.69	-10,783,524.81	-6,254,600.63	-22,965,902.50	72%
REAP PRODUCT	-2,760,336.67	820,150.00	110,029.61	710,120.39	42,638,321.06	-2,050,216.28	2,169,459.72	-44,688,537.34	-195%
RBIP	-REPORT					-	-BRANCH PERFORMANCE
CONSOLIDATED	BAL B/F 2023	WEEK 17	PERFORMANCE YEAR TO DATE 2023	PRE-LIQUIDATED LOANS 2023	NET PERFORMANCE 2023	CUMULATIVE 2023 BUDGET	BUDGET VARIANCE YEAR TO DATE 2022	PERFORMANCE YEAR TO DATE 2022	% CHANGE BETWEEN 2023 & 2022
Personal Loan	1,204,893,148.24	96,864,000.00	1,301,757,148.24	46,977,197.00	1,254,779,951.24	3,326,211,392.59	-62%	1,057,743,370.25	23%
Cash Backed loan / Credit Card	1,000,000.00	350,000.00	1,350,000.00	-	1,350,000.00	97,363,147.40	-99%	34,250,000.00	-96%
Consumer Leases	951,141.97	-	951,141.97	-	951,141.97	70,283,837.99	-99%	1,049,188.15	-9%
Asset Cash Loan	-	-	-	-	-		0%	-	0%
SPBS	-	-	-	-	-		0%	-	0%
Business Support Loan/ACL-Corporate	13,582,800.00	-	13,582,800.00	-	13,582,800.00	11,448,743.42	19%	5,000,000.00	172%
Corporate Leases	-	-	-	-	-	9,722,529.00	-100%	-	0%
Operating Leases	336,000,250.00	55,000,000.00	391,000,250.00	-	391,000,250.00	709,641,723.96	-45%	25,531,250.00	1431%
Total Risk Assets & Cash-Backed Loan	1,556,427,340.21	152,214,000.00	1,708,641,340.21	46,977,197.00	1,661,664,143.21	4,224,671,374.37	-60.67%	1,123,573,808.40	52.07%

0%TREASURY MANAGEMENT REPORT

 

ROSABON FINANCIAL SERVICES	LIABILITY GENERATION REPORT
	294,728,767.48WEEK	91,205,150.0017	92,319,355.34Ending	-1,114,205.3429-Apr-23	609,118,875.00	293,614,562.14	475,261,572.40	-315,504,312.86
LAGOS	BAL B/F	INFLOW	OUTFLOW	NET FLOW	CUM BUDGET YEAR TO DATE	PERFORMANCE YEAR TO DATE	PERFORMANCE YEAR TO DATE	BUDGET VARIANCE YEAR TO DATE	% CHANGE BETWEEN 2023 & 2022 (ACTUAL)
		2023	2023	2023	2023	2023	2022	2022
TENOR FUND	26,592,349.32	19,020,000.00	36,060,067.44	-38%17,040,067.44	282,692,069.89	9,552,281.88	440,469,634.98	-273,139,788.01	-98%
R-WIN	-11,348,524.81	1,120,000.00	315,000.00	805,000.00	6,213,012.53	-10,543,524.81	-7,338,518.31	-16,756,537.34	44%
REAP PRODUCT	-2,545,522.96	1,315,000.00		1,315,000.00	21,745,543.84	-1,230,522.96	-783,031.58	-22,976,066.80	57%
RBIP									-
TOTAL	12,698,301.55	21,455,000.00	36,375,067.44	-14,920,067.44	310,650,626.25	-2,221,765.89	432,348,085.09	-312,872,392.14	-101%
ABUJA
TENOR FUND	-16,896,586.01			-	125,640,919.95	-16,896,586.01	3,045,813.50	-142,537,505.96	-655%
R-WIN	-			-	2,761,338.90	-	-	-2,761,338.90	-
REAP PRODUCT	-351,683.61			-	9,664,686.15	-351,683.61	-22,366.87	-10,016,369.76	1472%
TOTAL	-17,248,269.62	-	-	-	138,066,945.00	-17,248,269.62	3,023,446.63	-155,315,214.62	-670%
WARRI
TENOR FUND		-	-	-		-		-	0%
R-WIN		-	-	-		-	-	-	0%
REAP PRODUCT		-	-	-		-	-	-	0%
TOTAL		-	-	-	-	-	-	-	0%
TOTAL	-4,549,968.07	21,455,000.00	36,375,067.44	-14,920,067.44	448,717,571.25	-19,470,035.51	435,371,531.72	-	-104%
PORT-HARCOURT
			WEEK 17
TENOR FUND	407,644,536.06	12,000,000.00	65,378,621.89	-53,378,621.89	219,871,609.91	354,265,914.17	7,326,320.07	134,394,304.26	4736%
R-WIN	280,000.00	155,000.00		155,000.00	4,832,343.29	435,000.00	229,417.68	-4,397,343.29	90%
REAP PRODUCT	788,705.27			-	16,913,200.55	788,705.27	1,127,838.74	-16,124,495.28	-30%
	408,713,241.33	12,155,000.00	65,378,621.89	-53,223,621.89	241,617,153.75	355,489,619.44	8,683,576.49	113,872,465.69	3994%
CONSOLIDATED	BAL B/F	INFLOW	OUTFLOW	NET FLOW	CUM BUDGET YEAR TO DATE	PERFORMANCE YEAR TO DATE	PERFORMANCE YEAR TO DATE	BUDGET VARIANCE YEAR TO DATE	% CHANGE BETWEEN 2023 & 2022 (ACTUAL)
TENOR FUND	417,340,299.37	31,020,000.00	101,438,689.33	-70,418,689.33	628,204,599.75	346,921,610.04	450,841,768.55	-281,282,989.71	-23%
R-WIN	-11,068,524.81	1,275,000.00	315,000.00	960,000.00	13,806,694.71	-10,108,524.81	-7,109,100.63	-23,915,219.52	42%
REAP PRODUCT	-2,108,501.30	1,315,000.00	-	1,315,000.00	48,323,430.54	-793,501.30	322,440.29	-49,116,931.84	-346%
RBIP	-				-	-			0%
	404,163,273.26	33,610,000.00	101,753,689.33	-68,143,689.33	690,334,725.00	336,019,583.93	444,055,108.21	-354,315,141.07	-24%

MEETING ADJOURNMENT
EzinneItiekhao UmorzurikeIkpeminogena seconded by Faith Ozegbe adjourned the meetiungmeeting

AnthoniaFaith OgbuOzegbe said the closing prayers