Week 25 06-19-2023

MANAGEMENT MEETING
Duration: 8:30am - 11:00am
Venue: Virtual Via Google Meet
Presided by: Faith Ozegbe

ATTENDEES

ABDULLAHI NAJIMUDEEN -  Head, Internal Operations
ADETAYO OLUKOGA -  Asset Creation (Public Sector)
ANIEKAN UDOH    - National Channel Manager
ANTHONIA OGBU    - Lead, Underwriting
BLESSING YAHAYA -  Ag head, Treasury
CHINEDU UGWU - Legal
EDNA EJIMAKOR - Branch Manager, Port Harcourt
ELIZABETH ADENIJI     - Head, Product Development
EMMANUEL ONAKOYA -  Head, CRM
FIDELIS AZUBUIKE -  Head, Software
FAITH OZEGBE -  Acting Secretary
GODFREY EGBUOKPORO - Ag. Head, Communications
ISIMEMEN EBHOMIEN - Account
ISMAIL BALOGUN -  Account
KHADIJAH RAJI - Relationship Manager, Cooperate Lease
LINDA OTTAH-IJEKEYE - Lead, Brokers Admin
OLUSEGUN AKEJU -  Portfolio Risk Analyst
OLUWADAMILARE OLAYINKA -  Transformation
OLUWAFISAYO OMOPARIOLA - Sales Operations & Strategy
OLUWASEGUN BOLAWOLE    - Head, Strategic Partnership
OMOWALE BELLO - Coperate Lease
PETER OJUKWU -  Ag, Head, Recovery & Collections
SOPHIA DAGI - Head, Client Experience Management & Telesales
STANLEY MAFUVWE - Head, Asset Remedial Management
TAIWO AJAGUNSEGUN - Business Operations
VICTOR AKINWANDE - Business Operations

OPENING PRAYER
Sophia Dagi said the opening prayer

ADOPTION OF MINUTES
Linda Ottah-Ijekeye seconded by Blessing Yahaya adopted the minutes of the last meeting.

ORDER OF PRESENTATION
Client Experience Management, Sales Operations, Asset Creation, Asset Creation (Public Sector), Strategic Partnership, Co-operate Lease, Treasury, Credit Risk Management, Business Operations, Product Development, and Legal.

ACTIVITY REPORT (12th – 16th June, 2023)

Accounts Team Report
For the week in review, Risk asset/Cash backed loan performance shows Lagos: 36.3M, Abuja - 13.7M, and Port Harcourt - 16.8M. Liability generation Performance Inflow: Lagos - 26.8M, Port Harcourt - 41.8M, Abuja - 7M, Outflow: Lagos - 63.8M, Port Harcourt - 15M.

Client Experience Management Team Report
For the period in review ~~1026,~~877, conversations were recorded. ~~46.30%~~43.18% from Lagos, ~~27.49%~~29.62% from Port Harcourt, and ~~26.~~27.22% from Abuja. The complaints breakdown includes Wrong debit - ~~30.43%~~37.50%, CRC Issues - ~~16.52%~~20.0%, Disbursement - ~~49.57%~~35.0%, and Double Debit - ~~3.48%~~7.50%. All complaints received will be taken up with concerned stakeholders.

Sales Operations and Strategy Team Report
RISK ASSET
Overall Sales – ~~68.28M~~69.69M
Personal Loan 5 plus performing the highest
Team Performance: Telesales: ~~12.76%~~21.88%, Sales: ~~87.24%~~78.12%
Product Type Performance: Public – 7.~~18M~~92M (~~10.52%~~11.37%), Personal Loan - ~~60.6M~~61.77M (88.~~75%~~63%).
Unit Location Performance: Lagos- ~~41.1M,~~36.4M, Port Harcourt – ~~14.6M,~~15.0M, Abuja - ~~10.2M,~~13.7M, Rivers - 1.7M Anambra - 1.~~0M,~~4M, Oyo - ~~0.9M, Rivers - 0.3M,~~1.2M, Ondo - 0.2M3M

Tele-sales Team Report
The total amount consummated by the team for the week in review is ~~11.2M~~12.9M (~~22%~~25% of the week’s target) at 1223 counts with core tele sales and tele sales-cold call team consummating 4.6M5M (42% of the week’s target) at 36 counts and ~~6.6M~~8.3M (~~16%~~20% of the week’s target) at 917 counts respectively.

Asset Creation report
For the period in review, Transactions disbursed are ~~55.7M~~52.8M. Others are at various transaction stages.

Asset Creation Report (Public Sector)
For the period in review, Transactions disbursed are ~~20.2M~~21.7M. Others are at various transaction stages.

Strategic Partnership Team Report
For the period in review, the total sales achieved is ~~8.5M~~7.1M (6462% 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 ~~131.4%~~28.2% (~~25.2M)~~5.4M) of the budget. Risk Asset Transaction Disbursed for the week ~~1.8M,~~2.4M, Fresh Fund (RTN) for the Week ~~Nil,~~900K, Reap Fund for the week ~~500K,~~Nil, Rollover for the week ~~24.7M,~~4.5M, Liquidation for the week ~~20M.~~Nil. 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).

Treasury Team Report
The report captures the inflow and outflow for the period in review.

Credit Risk Management Report
The report shows Core underwriters approved 195 transactions and pushed back 94 transactions. The senior underwriters approved 178 transactions and pushed back 97 transactions. The report also shows the recovery for the period in review.

Product Development Team Report
Captures ongoing and completed projects.

Business Operations Team Report
Captures ongoing and completed projects.

RISK ASSET GENERATION REPORT

ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					LAGOS BRANCH PERFORMANCE
	WEEK	2024		Ending				~~20-May-~~17-Jun-23
	BAL B/F	WEEK 2024	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	~~908,329,987.~~1,054,302,787.84	~~40,571,~~36,391,000.00	~~948,900,987.~~1,090,693,787.84	33,476,350.00	~~915,424,637.~~1,057,217,437.84	~~1,760,935,443.13~~2,113,122,531.76	-~~48%~~50%	~~710,013,271.27~~965,234,141.88	~~34%~~13%
Consumer Leases	951,141.97		951,141.97		951,141.97	~~37,209,090.70~~44,650,908.84	-~~97%~~98%	~~1,049,188.~~6,169,688.15	-9%85%
Asset Cash Loan			-		-				0%
SPBS	-		-		-				0%
Sub-Total	~~909,281,129.~~1,055,253,929.81	~~40,571,~~36,391,000.00	~~949,852,129.~~1,091,644,929.81	33,476,350.00	~~916,375,779.~~1,058,168,579.81	~~1,798,144,533.83~~2,157,773,440.60	-~~49.04%~~50.96%	~~711,062,459.42~~971,403,830.03	~~34%~~12%
Corporate Leases			-		-	~~5,147,221.24~~6,176,665.49	-100%		0%
Operating Leases	55,000,000.00		55,000,000.00		55,000,000.00	~~375,692,677.39~~450,831,212.87	-~~85%~~88%	125,531,250.00	-56%
Business Support Loan/ACL-Corporate	13,582,800.00	-	13,582,800.00		13,582,800.00	~~6,061,099.46~~7,273,319.35	~~124%~~87%	5,18,000,000.00	~~172%~~-25%
Sub-Total	68,582,800.00	-	68,582,800.00	-	68,582,800.00	~~386,900,998.09~~464,281,197.71	-~~82.27%~~85.23%	~~130,~~143,531,250.00	-~~47%~~52%

B2C - Products	~~909,281,129.~~1,055,253,929.81	~~40,571,~~36,391,000.00	~~949,852,129.~~1,091,644,929.81	33,476,350.00	~~916,375,779.~~1,058,168,579.81	~~1,798,144,533.83~~2,157,773,440.60	-~~49%~~51%	~~711,062,459.42~~971,403,830.03	~~34%~~12%
B2B - Products	68,582,800.00	-	68,582,800.00	-	68,582,800.00	~~386,900,998.09~~464,281,197.71	-~~82%~~85%	~~130,~~143,531,250.00	-~~47%~~52%
TOTAL FOR LAGOS	~~977,863,929.~~1,123,836,729.81	~~40,571,~~36,391,000.00	1,~~018,434,929.~~160,227,729.81	33,476,350.00	~~984,958,579.~~1,126,751,379.81	2,~~185,045,531.92~~622,054,638.31	-~~54.92%~~57.03%	~~841,593,709.42~~1,114,935,080.03	~~21%~~4%

Cash Backed loan / Credit Card	~~1,350,000.00~~	~~500,000.00~~	1,11,850,000.00		1,11,850,000.00	~~51,545,195.68~~	11,850,000.00	61,854,234.82	-~~96%~~81%	~~86,621,492.83~~89,646,044.97	-~~98%~~87%

Total Risk Assets & Cash-Backed Loan	~~979,213,929.~~1,135,686,729.81	~~41,071,~~36,391,000.00	1,~~020,284,929.~~172,077,729.81	33,476,350.00	~~986,808,579.~~1,138,601,379.81	2,~~236,590,727.61~~683,908,873.13	-~~55.88%~~57.58%	~~928,215,202.25~~1,204,581,125.00	~~10%~~-3%

ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ABUJA BRANCH PERFORMANCE
	WEEK	2024		Ending				~~20-May-~~17-Jun-23
	BAL B/F	WEEK 2024	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	~~257,999,664.~~292,248,662.86	~~10,229,999.~~13,736,000.00	~~268,229,663.~~305,984,662.86	1,516,555.61	~~266,713,108.~~304,468,107.25	~~978,297,468.41~~1,173,956,962.09	-~~73%~~74%	~~270,051,098.~~345,843,096.98	-1%12%
Consumer Leases			-		-	~~20,671,717.06~~24,806,060.47	-100%	-	0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Abuja	~~257,999,664.~~292,248,662.86	~~10,229,999.~~13,736,000.00	~~268,229,663.~~305,984,662.86	1,516,555.61	~~266,713,108.~~304,468,107.25	~~998,969,185.47~~1,198,763,022.56	-~~73%~~75%	~~270,051,098.~~345,843,096.98	-1%12%
Corporate Lease			-		-	~~2,859,567.35~~3,431,480.82	-100%		0%
Operating Leases			-		-	~~208,718,154.11~~250,461,784.93	-100%		0%
Business Support Loan/ACL-Corporate			-		-	~~3,367,277.48~~4,040,732.97	-100%		0%
Sub-Total B 2 B Leases	-	-	-	-	-	~~214,944,~~257,933,998.9473	-100%	-	0%
					-
B2C - Products	~~257,999,664.~~292,248,662.86	~~10,229,999.~~13,736,000.00	~~268,229,663.~~305,984,662.86	1,516,555.61	~~266,713,108.~~304,468,107.25	~~998,969,185.47~~1,198,763,022.56	-~~73%~~75%	~~270,051,098.~~345,843,096.98	-1%12%
B2B - Products	-	-	-	-	-	~~214,944,~~257,933,998.9473	-100%	-	0%
TOTAL FOR ABUJA	~~257,999,664.~~292,248,662.86	~~10,229,999.~~13,736,000.00	~~268,229,663.~~305,984,662.86	1,516,555.61	~~266,713,108.~~304,468,107.25	1,~~213,914,184.40~~456,697,021.28	-~~78%~~79%	~~270,051,098.~~345,843,096.98	-1%12%

Cash Backed loan / Credit Card			-		-	~~28,636,219.82~~34,363,463.79	-100%		0%

Total Risk Assets & Cash-Backed Loan	~~257,999,664.~~292,248,662.86	~~10,229,999.~~13,736,000.00	~~268,229,663.~~305,984,662.86	1,516,555.61	~~266,713,108.~~304,468,107.25	1,~~242,550,404.23~~491,060,485.07	-~~79%~~80%	~~270,051,098.~~345,843,096.98	-1%12%

ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					PORT-HARCOURT BRANCH PERFORMANCE
	WEEK	2024		Ending				~~20-May-~~17-Jun-23
	BAL B/F 2023	WEEK 2024	PERFORMANCE YEAR TO DATE 2023	PRE-LIQUIDATED LOANS 2022	NET PERFORMANCE 2023	CUMULATIVE 2023 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	~~247,204,863.40~~304,580,264.06	~~14,891,~~16,674,000.00	~~262,095,863.40~~321,254,264.06	11,984,291.39	~~250,111,572.01~~309,269,972.67	1,~~173,956,962.09~~408,748,354.51	-~~79%~~78%	~~318,130,~~409,994,800.00	-~~18%~~22%
Consumer Leases			-		-	~~24,806,060.47~~29,767,272.56	-100%		0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Port Harcourt	~~247,204,863.40~~304,580,264.06	~~14,891,~~16,674,000.00	~~262,095,863.40~~321,254,264.06	11,984,291.39	~~250,111,572.01~~309,269,972.67	1,~~198,763,022.56~~438,515,627.07	-~~79.14%~~78.50%	~~318,130,~~409,994,800.00	-~~18%~~22%
Corporate Leases			-		-	~~3,431,480.82~~4,117,776.99	-100%		0%
Operating Leases	336,000,250.00		336,000,250.00		336,000,250.00	~~250,461,784.93~~300,554,141.91	~~34%~~12%		0%
Business Support Loan/ACL-Corporate			-		-	4,~~040,732.97~~848,879.56	-100%		0%
Sub-Total B 2 B Leases	336,000,250.00	0	336,000,250.00	0	336,000,250.00	~~257,933,998.72~~309,520,798.46	~~30.27%~~8.55%	0	0%
							-		0%
B2C - Products	~~247,204,863.40~~304,580,264.06	~~14,891,~~16,674,000.00	~~262,095,863.40~~321,254,264.06	11,984,291.39	~~250,111,572.01~~309,269,972.67	1,~~198,763,022.56~~438,515,627.07	-79%	~~318,130,~~409,994,800.00	-~~18%~~22%
B2B - Products	336,000,250.00	-	336,000,250.00	-	336,000,250.00	~~257,933,998.72~~309,520,798.46	~~30%~~9%	-	0%
TOTAL FOR PORT HARCOURT	~~583,205,113.40~~640,580,514.06	~~14,891,~~16,674,000.00	~~598,096,113.40~~657,254,514.06	11,984,291.39	~~586,111,822.01~~645,270,222.67	1,~~456,697,021.28~~748,036,425.53	-~~59.76%~~63.09%	~~318,130,~~409,994,800.00	~~88%~~60%
							0%		0%
Cash Backed loan / Credit Card	550,000.00		550,000.00		550,000.00	~~34,363,463.79~~41,236,156.55	-~~100%~~99%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	~~583,205,113.40~~641,130,514.06	~~14,891,~~16,674,000.00	~~598,096,113.40~~657,804,514.06	11,984,291.39	~~586,111,822.01~~645,820,222.67	1,~~491,060,485.07~~789,272,582.08	-~~60.69%~~63.91%	~~318,130,~~409,994,800.00	~~88%~~60%


ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ANAMBRA BRANCH PERFORMANCE
	WEEK	WEEK 2024		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	~~12,831,~~15,631,000.00	1,~~000,~~385,000.00	~~13,831,~~17,016,000.00		~~13,831,~~17,016,000.00		0%		0%
Consumer Leases			-		-		0%		0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Port Harcourt	~~12,831,~~15,631,000.00	1,~~000,~~385,000.00	~~13,831,~~17,016,000.00	0	~~13,831,~~17,016,000.00	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	~~12,831,~~15,631,000.00	1,~~000,~~385,000.00	~~13,831,~~17,016,000.00	-	~~13,831,~~17,016,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ANAMBRA	~~12,831,~~15,631,000.00	1,~~000,~~385,000.00	~~13,831,~~17,016,000.00	0	~~13,831,~~17,016,000.00	0	0.00%	0	0%
							0%		0%
Cash Backed loan / Credit Card							0%		0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	~~12,831,~~15,631,000.00	1,~~000,~~385,000.00	~~13,831,~~17,016,000.00	0	~~13,831,~~17,016,000.00	0	0.00%	0	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	~~15,507,~~18,690,000.00	~~939,~~1,234,000.00	~~16,446,~~19,924,000.00		~~16,446,~~19,924,000.00		0%		0%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	~~15,507,~~18,690,000.00	~~939,~~1,234,000.00	~~16,446,~~19,924,000.00	0	~~16,446,~~19,924,000.00	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	~~15,507,~~18,690,000.00	~~939,~~1,234,000.00	~~16,446,~~19,924,000.00	-	~~16,446,~~19,924,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR OYO	~~15,507,~~18,690,000.00	~~939,~~1,234,000.00	~~16,446,~~19,924,000.00	0	~~16,446,~~19,924,000.00	0	0.00%	0	0%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	~~15,507,~~18,690,000.00	~~939,~~1,234,000.00	~~16,446,~~19,924,000.00	0	~~16,446,~~19,924,000.00	0	0.00%	0	0%


ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ONDO 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	~~2,190,~~3,320,000.00	~~150,~~270,000.00	~~2,340,~~3,590,000.00		~~2,340,~~3,590,000.00		0%		0%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	~~2,190,~~3,320,000.00	~~150,~~270,000.00	~~2,340,~~3,590,000.00	0	~~2,340,~~3,590,000.00	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	~~2,190,~~3,320,000.00	~~150,~~270,000.00	~~2,340,~~3,590,000.00	-	~~2,340,~~3,590,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	~~2,190,~~3,320,000.00	~~150,~~270,000.00	~~2,340,~~3,590,000.00	0	~~2,340,~~3,590,000.00	0	0.00%	0	0%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	~~2,190,~~3,320,000.00	~~150,~~270,000.00	~~2,340,~~3,590,000.00	0	~~2,340,~~3,590,000.00	0	0.00%	0	0%


~~ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT~~					~~CONSOLIDATED BRANCH PERFORMANCE~~
~~CONSOLIDATED~~	~~BAL B/F 2023~~	~~WEEK 20~~	~~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~~	~~1,444,062,516.10~~	~~67,780,999.00~~	~~1,511,843,515.10~~	~~46,977,197.00~~	~~1,464,866,318.10~~	~~3,913,189,873.63~~	~~-63%~~	~~1,298,195,170.25~~	~~16%~~
~~Cash Backed loan / Credit Card~~	~~1,350,000.00~~	~~500,000.00~~	~~1,850,000.00~~	-	~~1,850,000.00~~	~~114,544,879.30~~	~~-98%~~	~~86,621,492.83~~	~~-98%~~
~~Consumer Leases~~	~~951,141.97~~	-	~~951,141.97~~	-	~~951,141.97~~	~~82,686,868.22~~	~~-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~~	~~13,469,109.90~~	1%	~~5,000,000.00~~	~~172%~~
~~Corporate Leases~~	-	-	-	-	-	~~11,438,269.42~~	~~-100%~~	-	0%
~~Operating Leases~~	~~391,000,250.00~~	-	~~391,000,250.00~~	-	~~391,000,250.00~~	~~834,872,616.43~~	~~-53%~~	~~125,531,250.00~~	~~211%~~

~~Total Risk Assets & Cash-Backed Loan~~	~~1,850,946,708.07~~	~~68,280,999.00~~	~~1,919,227,707.07~~	~~46,977,197.00~~	~~1,872,250,510.07~~	~~4,970,201,616.90~~	~~-62.33%~~	~~1,516,397,101.23~~	~~26.56%~~

TREASURY MANAGEMENT REPORT

ROSABON FINANCIAL SERVICES

LIABILITY GENERATION REPORT

WEEK

2024

Ending

~~20-May-~~17-Jun-23

LAGOS

BAL B/F

INFLOW

OUTFLOW

NET FLOW

CUM BUDGET
YEAR TO DATE

PERFORMANCE
YEAR TO DATE

BUDGET VARIANCE
YEAR TO DATE

% CHANGE BETWEEN 2023 & 2022 (ACTUAL)

2023

2022

TENOR FUND

-~~734,874,995.80~~811,235,769.15

~~41,400,~~23,050,000.00

~~6,628,001.28~~

~~34,771,998.72~~

~~332,578,905.~~63,595,092.75

-~~700,102,997.08~~40,545,092.75

~~372,078,623.41~~399,094,686.90

-851,780,861.90

432,589,431.62

-1,~~032,681,902.83~~250,875,548.80

-~~288%~~297%

R-WIN

-~~10,271,604.68~~8,218,612.59

~~168,~~1,435,000.00

200,000.00

1,~~101,729.51~~235,000.00

8,771,311.80

-~~933,729.51~~

~~7,309,426.50~~6,983,612.59

-~~11,205,334.19~~7,902,707.94

-15,~~468,801.02~~754,924.39

-~~18,514,760.69~~

~~-28%~~12%

REAP PRODUCT

~~176,182.55~~1,165,871.98

~~485,~~2,385,000.00

~~20,000.00~~70,549.02

~~465,000.00~~2,314,450.98

~~25,582,992.75~~30,699,591.30

~~641,182.55~~3,480,322.96

-~~232,829.84~~1,092,381.33

-~~24,941,810.20~~27,219,268.34

-~~375%~~419%

RBIP

TOTAL

-~~744,970,417.93~~818,288,509.76

~~42,053,~~26,870,000.00

~~7,749,730.79~~63,865,641.77

~~34,303,269.21~~-36,995,641.77

~~365,471,325.~~438,565,590.00

-~~710,667,148.72~~855,284,151.53

~~356,376,992.55~~423,594,342.35

-1,~~076,138,473.72~~293,849,741.53

-~~299%~~302%

ABUJA

TENOR FUND

-~~15,396,586.01~~10,569,681.90

7,000,000.00

177,375,416.40

-3,569,681.90

~~147,812,847.00~~

~~-15,396,586.01~~

~~9,235,~~14,135,813.50

-~~163,209,433.01~~180,945,098.30

-~~267%~~125%

R-WIN

3,~~248,634.00~~898,360.80

-3,~~248,634.00~~898,360.80

REAP PRODUCT

~~-321,683.61~~

~~400,000.00~~838,316.39

~~400,000.00~~

~~11,370,219.00~~-

~~78,~~13,644,262.80

838,316.39

~~-22,366.87~~327,633.13

-~~11,291,902.61~~12,805,946.41

~~-450%~~156%

TOTAL

-~~15,718,269.62~~9,731,365.51

~~400,~~7,000,000.00

~~162,431,700.~~194,918,040.00

-~~15,318,269.62~~2,731,365.51

~~9,213,~~14,463,446.63

-~~177,749,969.62~~197,649,405.51

-~~266%~~119%

WARRI

TENOR FUND

R-WIN

REAP PRODUCT

TOTAL

-~~760,688,687.55~~828,019,875.27

~~42,453,~~33,870,000.00

~~7,749,730.79~~63,865,641.77

~~34,703,269.21~~-29,995,641.77

~~527,903,025.~~633,483,630.00

-~~725,985,418.34~~858,015,517.04

~~365,590,439.18~~438,057,788.98

-~~299%~~296%

PORT-HARCOURT

WEEK 2024

TENOR FUND

~~379,993,941.72~~319,609,921.24

~~500,~~41,400,000.00

~~30,060,301.38~~15,173,989.44

~~-29,560,301.38~~26,226,010.56

~~258,672,482.25~~310,406,978.70

~~350,433,640.34~~345,835,931.80

~~43,177,983.58~~90,419,808.22

~~91,761,158.09~~35,428,953.10

~~712%~~282%

R-WIN

~~575,~~1,075,000.00

~~5,685,109.75~~6,822,131.70

~~575,~~1,075,000.00

49,814.68

-5,~~110,109.75~~747,131.70

~~1054%~~2058%

REAP PRODUCT

~~1,933,705.27~~2,902,946.06

~~500,~~440,000.00

~~30,000.00~~

~~470,000.00~~

~~19,897,883.00~~

~~2,403,705.~~221,081.27

~~2,097,052.62~~218,918.73

23,877,459.60

3,121,864.79

3,467,804.07

-~~17,494,177.73~~20,755,594.81

~~15%~~-10%

~~382,502,646.99~~323,587,867.30

~~1,000,~~41,840,000.00

~~30,090,301.38~~15,395,070.71

~~-29,090,301.38~~26,444,929.29

~~284,255,475.~~341,106,570.00

~~353,412,345.61~~350,032,796.59

~~45,324,850.88~~93,937,426.97

~~69,156,870.61~~8,926,226.59

~~680%~~273%

CONSOLIDATED

BAL B/F

INFLOW

OUTFLOW

NET FLOW

CUM BUDGET
~~YEAR~~ ~~TO DATE PERFORMANCE~~

~~PERFORMANCE~~
YEAR TO DATE

PERFORMANCE
YEAR TO DATE

BUDGET VARIANCE
YEAR TO DATE

% CHANGE BETWEEN 2023 & 2022 (ACTUAL)

TENOR FUND

-~~370,277,640.09~~502,195,529.81

~~41,900,~~71,450,000.00

~~36,688,302.66~~78,769,082.19

~~5,211,697.34~~-7,319,082.19

~~739,064,235.~~886,877,082.00

-~~365,065,942.75~~509,514,612.00

~~424,492,420.49~~537,145,053.34

-1,~~104,130,177.75~~396,391,694.00

-~~186%~~195%

R-WIN

-~~9,696,604.68~~7,143,612.59

~~168,~~1,435,000.00

200,000.00

1,~~101,729.51~~235,000.00

19,491,804.30

-~~933,729.51~~

~~16,243,170.25~~5,908,612.59

-~~10,630,334.19~~7,852,893.26

-~~15,418,986.34~~25,400,416.89

-~~26,873,504.44~~

~~-31%~~25%

REAP PRODUCT

~~1,788,204.21~~4,907,134.43

~~1,385,~~2,825,000.00

~~50,000.00~~291,630.29

~~1,335,000.00~~2,533,369.71

~~56,851,094.75~~68,221,313.70

~~3,123,204.21~~7,440,504.14

~~1,841,855.91~~2,703,055.87

-~~53,727,890.54~~60,780,809.56

~~70%~~175%

RBIP

-~~378,186,040.56~~504,432,007.97

~~43,453,~~75,710,000.00

~~37,840,032.17~~79,260,712.48

~~5,612,967.83~~-3,550,712.48

~~812,158,500.~~974,590,200.00

-~~372,573,072.73~~507,982,720.45

~~410,915,290.06~~531,995,215.95

-1,~~184,731,572.73~~482,572,920.45

-~~191%~~195%

MEETING ADJOURNMENT
~~Godfrey~~Linda ~~Egbuokporo~~Ottah-Ijekeye seconded by ~~Faith~~Godfrey ~~Ozegbe~~Egbuokporo adjourned the meeting

~~Emmanuel~~Faith ~~Onakoya~~Ozegbe said the closing prayers