Week 49 12-04-2023

MANAGEMENT MEETING
Duration: 8:30am - 10:~~30am~~46am
Venue: Virtual Via Google meet
Presided by: Faith Ozegbe

ATTENDEES

ABDULLAHI NAJIMUDEEN -  Head, Internal Operations
AJA IJI - Branch Head, Abuja
AJIBOLA ABDULFATAI - Portfolio Risk Officer
AMOTO SERIKI - Internal Operations
ANTHONIA OGBU - Head, Underwriting
~~EKOMOBONG~~CHINEDU ~~AKAMAOH~~UGWU - ~~Head,~~Legal
EMEKA ~~Product~~ASHIBUOGWU ~~Development~~ - Information Technology
EMMANUEL ONAKOYA - Head, CRM
FAITH OZEGBE - Acting Secretary
GODFREY EGBUOKPORO - Ag. Head, Communications
~~HAPPY~~IBEREAYO ~~OSENI~~  AMOO - Ag. Head, Human Resources
ISMAIL BALOGUN -  Account
~~KELVIN~~ ~~MGBEMELE~~
ITIEKHAO IKEPEMINOGENA   - ~~Ag.~~General ~~Head,~~Manager ~~Software~~
LINDA OTTAH-IJEKEYE -  Brokers Admin
~~MERCY UMA~~     ~~- Wealth Management~~
~~NWANNE IKEJI~~     ~~- Asset Creation~~
OLUSEGUN AKEJU -  Portfolio Risk Analyst
OLUWADAMILARE OLAYINKA -  Transformation
OLUWAFISAYO OMOPARIOLA - Sales Operations & Strategy
OLUWASEGUN BOLAWOLE    - Strategic Partnership
~~OLUWOLE~~OMOWALE ~~EWEJOBI~~BELLO - ~~Head,~~Cooperate ~~Information~~Lease
OWOICHO ~~Technology~~
~~PRECIOUS MADUWIKE~~ AGADA - ~~Legal~~Head, Learning & development
SOPHIA DAGI - Ag Head, Client Experience Management
STANLEY MAFUVWE -  Lead, Asset Remedial Management

USIWOMA IGBI - Wealth Management

OPENING PRAYER
~~Faith~~Linda ~~Ozegbe~~Ottah-Ijekeye said the opening prayer

ADOPTION OF MINUTES
~~Godfrey~~Linda ~~Egbuokporo~~Ottah-Ijekeye seconded by Faith Ozegbe adopted the minutes of the last meeting.

ORDER OF PRESENTATION
~~Communication,~~ Client Experience Management, Sales Operations, Tele-sales, Asset Creation, Strategic Partnership, Co-operate Lease, Abuja, Treasury, Credit Risk Management, Transformation, Legal, Human Resources, Software, and Internal Operations.

ACTIVITY REPORT (~~30th~~27th ~~October~~November – ~~3rd~~1st ~~November,~~December, 2023)

Accounts Team Report
For the week in review, Risk asset/Cash-backed loan performance shows Lagos - 800K, and Port Harcourt - 700K. Liability generation Performance Inflow: Lagos - 46.9M, PH - 7.8M, Outflow: Lagos - 40.4M, Port Harcourt - 15.2M

Communications Team Report
For the period in review inquiries, Volume decreased by 66%. The week recorded a 21.4% decrease in engagement on digital Media. Total market audience reaches increased by 56.4% while followership increased by 1.4%. Google is our highest inquiry-generating channel and Treasury Product is the most enquired product for the month. The report also captures pending and completed tasks.

Client Experience Management Team Report
For the period in review 551, conversations were recorded. 56.44% from Lagos, 21.60% from Abuja, and 21.96% from Port Harcourt. The conversation breakdown includes Requests - 19.13%, General inquiries - 38.09%, Loans - 36.74%, and Complaints - 6.04% while the complaints breakdown includes Wrong debit - 72.22%, CRC Issues - 11.11%, Disbursement - 16.67%., Consumer Petition - 0%. All complaints received will be taken up with concerned stakeholders.

Sales Operations and Strategy Team Report
RISK ASSET
Overall Sales – 1.5M
Personal Loan 3 Performing the ihighest
Team Performance: Telesales: 53.33%, Sales: 46.67%
Product Type Performance - Personal Loan - 1.5M (100%)
Unit Location Performance: Lagos- 0.8M, Port Harcourt – 0.7M

Tele-sales Team Report
The total amount consummated by the team for the week in review is 800,000.00 (2% of the week’s target) at 1 count with core tele sales and tele sales-cold call team consummating 800,000.00 (16% of the week’s target) at 1 counts and 0M (0% of the week’s target) at 0 counts respectively.

Asset Creation report
For the period in review, Transactions disbursed are N700K. Others are at various transaction stages.

Asset Creation report (Public Sector)
For the period in review, Transactions disbursed are 18.9M. Others are at various transaction stages.

Strategic Partnership Team Report
For the period in review, the total sales achieved is 700K (6% 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 51.70%% (9.9M) of the budget. Risk Asset Transaction Disbursed for the week Nil, Fresh Fund 6M for the Week 1.5M, Reap Fund for the week 500K, Rollover for the week 3.4M, Liquidation for the week 3.6M. 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).

Abuja Team Report
The report captures the activities for the period in review, pipelines, and constraints.

Wealth Management Team Report
For the week in review, the Executive summary shows the Liquidity Requirement status as FAIR. Week 44 experienced a net positive change in cash flow from 59M negative in week 43 to 20M positive. Treasury reported a negative 20M total NetFlow, with 80 million inflows and 60 million outflows.

Credit Risk Management Report
The report shows Core underwriters approved 23 transactions and pushed back 4 transactions. The senior underwriters approved 7 transactions and pushed back 4 transactions. In the recovery space, the total recovery is 25.7M 67% of the weeks target broken down as PDO is 20.8M at 141 counts (54% of the target). Extended interest recovery as 1.1M at 32 counts (29% of the target), Provisioned Accounts recovery as 3.7M at 85 counts (94% of the target).

Business Operations Team Report
Captures ongoing and completed projects.

Product Development Team Report
Captures ongoing and completed projects.

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 30 staff were hired.

Software Team Report
Captures ongoing and completed projects.

Internal Operations Team Report
Captures the ongoing and completed projects

RISK ASSET GENERATION REPORT

ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					LAGOS BRANCH PERFORMANCE
	WEEK	4448		Ending				~~04-Nov-~~02-Dec-23
	BAL B/F	WEEK 4448	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	1,~~435,362,~~446,099,016.84	~~800,~~7,510,000.00	1,~~436,162,~~453,609,016.84	~~119,882,457.87~~122,238,527.48	1,~~316,279,558.97~~331,370,489.36	~~3,874,057,974.90~~4,226,245,063.52	-~~66%~~68%	1,~~959,173,~~975,433,164.88	-~~27%~~26%
Consumer Leases	4,533,941.97		4,533,941.97		4,533,941.97	~~81,859,999.54~~89,301,817.68	-~~94%~~95%	~~6,472,~~13,972,543.15	-~~30%~~68%
Asset Cash Loan			-		-				0%
SPBS	31,408,900.00		31,408,900.00		31,408,900.00			5,000,000.00	0%528%
Sub-Total	1,~~439,895,~~450,632,958.81	~~800,~~7,510,000.00	1,~~472,104,~~489,551,858.81	~~119,882,457.87~~122,238,527.48	1,~~352,222,400.94~~367,313,331.33	~~3,955,917,974.44~~4,315,546,881.20	-~~65.82%~~68.32%	1,~~965,645,~~994,405,708.03	-25%
Corporate Leases			-		-	~~11,323,886.72~~12,353,330.97	-100%		0%
Operating Leases	55,000,000.00		55,000,000.00		55,000,000.00	~~826,523,890.26~~901,662,425.74	-~~93%~~94%	157,231,250.00	-65%
Business Support Loan/ACL-Corporate	20,000,000.00		20,000,000.00		20,000,000.00	~~13,334,418.81~~14,546,638.70	~~50%~~37%	28,000,000.00	-29%
Sub-Total	75,000,000.00	-	75,000,000.00	-	75,000,000.00	~~851,182,195.79~~928,562,395.41	-91.~~19%~~92%	185,231,250.00	-60%

B2C - Products	1,~~439,895,~~450,632,958.81	~~800,~~7,510,000.00	1,~~440,695,~~458,142,958.81	~~119,882,457.87~~122,238,527.48	1,~~352,222,400.94~~367,313,331.33	~~3,955,917,974.44~~4,315,546,881.20	-~~66%~~68%	1,~~965,645,~~994,405,708.03	-27%
B2B - Products	75,000,000.00	-	75,000,000.00	-	75,000,000.00	~~851,182,195.79~~928,562,395.41	-~~91%~~92%	185,231,250.00	-60%
TOTAL FOR LAGOS	1,~~514,895,~~525,632,958.81	~~800,~~7,510,000.00	1,~~515,695,~~533,142,958.81	~~119,882,457.87~~122,238,527.48	1,~~427,222,400.94~~442,313,331.33	~~4,807,100,170.23~~5,244,109,276.62	-~~70.31%~~72.50%	2,~~150,876,~~179,636,958.03	-30%

Cash Backed loan / Credit Card	~~19,600,~~22,100,000.00		~~19,600,~~22,100,000.00		~~19,600,~~22,100,000.00	~~113,399,430.51~~123,708,469.64	-~~83%~~82%	123,946,044.97	-~~84%~~82%

Total Risk Assets & Cash-Backed Loan	1,~~534,495,~~547,732,958.81	~~800,~~7,510,000.00	1,~~535,295,~~555,242,958.81	~~119,882,457.87~~122,238,527.48	1,~~446,822,400.94~~464,413,331.33	~~4,920,499,600.74~~5,367,817,746.26	-~~70.60%~~72.72%	2,~~274,823,~~303,583,003.00	-~~33%~~32%

ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ABUJA BRANCH PERFORMANCE
	WEEK	4448		Ending				~~04-Nov-~~02-Dec-23
	BAL B/F	WEEK 4448	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	~~368,448,~~371,218,069.86	1,315,000.00	~~368,448,~~372,533,069.86	15,~~001,860.~~481,284.60	~~353,446,209.~~357,051,785.26	2,~~152,254,430.50~~347,913,924.18	-~~84%~~85%	~~776,403,500.~~779,182,499.97	-~~53%~~52%
Consumer Leases			-		-	~~45,477,777.53~~49,612,120.94	-100%	-	0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Abuja	~~368,448,~~371,218,069.86	-1,315,000.00	~~368,448,~~372,533,069.86	15,~~001,860.~~481,284.60	~~353,446,209.~~357,051,785.26	2,~~197,732,208.02~~397,526,045.12	-~~84%~~85%	~~776,403,500.~~779,182,499.97	-~~53%~~52%
Corporate Lease			-		-	6,~~291,048.18~~862,961.65	-100%		0%
Operating Leases			-		-	~~459,179,939.04~~500,923,569.86	-100%		0%
Business Support Loan/ACL-Corporate			-		-	~~7,408,010.45~~8,081,465.94	-100%		0%
Sub-Total B 2 B Leases	-	-	-	-	-	~~472,878,~~515,867,997.6645	-100%	-	0%
					-
B2C - Products	~~368,448,~~371,218,069.86	-1,315,000.00	~~368,448,~~372,533,069.86	15,~~001,860.~~481,284.60	~~353,446,209.~~357,051,785.26	2,~~197,732,208.02~~397,526,045.12	-~~84%~~85%	~~776,403,500.~~779,182,499.97	-~~53%~~52%
B2B - Products	-	-	-	-	-	~~472,878,~~515,867,997.6645	-100%	-	0%
TOTAL FOR ABUJA	~~368,448,~~371,218,069.86	-1,315,000.00	~~368,448,~~372,533,069.86	15,~~001,860.~~481,284.60	~~353,446,209.~~357,051,785.26	2,~~670,611,205.69~~913,394,042.57	-~~87%~~88%	~~776,403,500.~~779,182,499.97	-~~53%~~52%

Cash Backed loan / Credit Card			-		-	~~62,999,683.61~~68,726,927.58	-100%		0%

Total Risk Assets & Cash-Backed Loan	~~368,448,~~371,218,069.86	-1,315,000.00	~~368,448,~~372,533,069.86	15,~~001,860.~~481,284.60	~~353,446,209.~~357,051,785.26	2,~~733,610,889.30~~982,120,970.14	-~~87%~~88%	~~776,403,500.~~779,182,499.97	-~~53%~~52%

ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					PORT-HARCOURT BRANCH PERFORMANCE
	WEEK	4448		Ending				~~04-Nov-~~02-Dec-23
	BAL B/F 2023	WEEK 4448	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	~~410,509,~~414,741,596.08	~~700,000.00~~	~~411,209,~~414,741,596.08	~~34,393,081.07~~37,326,394.74	~~376,816,515.01~~377,415,201.34	2,~~582,705,316.60~~817,496,709.02	-~~85%~~87%	~~864,460,~~868,550,800.00	-52%
Consumer Leases			-		-	~~54,573,333.02~~59,534,545.12	-100%		0%
Asset Cash Loan			-		-		0%		0%
SPBS	7,150,000.00		7,150,000.00		7,150,000.00		0%		0%
Sub-Total Port Harcourt	~~417,659,~~421,891,596.08	~~700,000.00~~0	~~418,359,~~421,891,596.08	~~34,393,081.07~~37,326,394.74	~~383,966,515.01~~384,565,201.34	2,~~637,278,649.63~~877,031,254.14	-~~85.44%~~86.63%	~~864,460,~~868,550,800.00	-~~52%~~51%
Corporate Leases			-		-	~~7,549,257.81~~8,235,553.98	-100%		0%
Operating Leases	336,000,250.00		336,000,250.00		336,000,250.00	~~551,015,926.84~~601,108,283.82	-~~39%~~44%		0%
Business Support Loan/ACL-Corporate	15,400,000.00		15,400,000.00		15,400,000.00	~~8,889,612.53~~9,697,759.13	~~73%~~59%		0%
Sub-Total B 2 B Leases	351,400,250.00	0	351,400,250.00	0	351,400,250.00	~~567,454,797.18~~619,041,596.93	-~~38.07%~~43.23%	0	0%
							-		0%
B2C - Products	~~417,659,~~421,891,596.08	~~700,000.00~~-	~~418,359,~~421,891,596.08	~~34,393,081.07~~37,326,394.74	~~383,966,515.01~~384,565,201.34	2,~~637,278,649.63~~877,031,254.14	-~~85%~~87%	~~864,460,~~868,550,800.00	-~~52%~~51%
B2B - Products	351,400,250.00	-	351,400,250.00	-	351,400,250.00	~~567,454,797.18~~619,041,596.93	-~~38%~~43%	-	0%
TOTAL FOR PORT HARCOURT	~~769,059,~~773,291,846.08	~~700,000.00~~0	~~769,759,~~773,291,846.08	~~34,393,081.07~~37,326,394.74	735,~~366,765.01~~965,451.34	3,~~204,733,446.81~~496,072,851.06	-~~77.05%~~78.95%	~~864,460,~~868,550,800.00	-11%
							0%		0%
Cash Backed loan / Credit Card	550,000.00		550,000.00		550,000.00	~~75,599,620.33~~82,472,313.09	-99%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	~~769,609,~~773,841,846.08	~~700,000.00~~0	~~770,309,~~773,841,846.08	~~34,393,081.07~~37,326,394.74	~~735,916,765.01~~736,515,451.34	3,~~280,333,067.14~~578,545,164.16	-~~77.57%~~79.42%	~~864,460,~~868,550,800.00	-11%


ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ANAMBRA BRANCH PERFORMANCE
	WEEK	WEEK 4448		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	32,~~339,~~664,000.00	1,250,000.00	33,914,000.00		~~32,339,000.00~~		~~32,339,~~33,914,000.00		0%		0%
Consumer Leases			-		-		0%		0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Port Harcourt	32,~~339,~~664,000.00	1,250,000.00	33,914,000.00	0	~~32,339,000.00~~	0	~~32,339,~~33,914,000.00	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	32,~~339,~~664,000.00	1,250,000.00	33,914,000.00	-	~~32,339,000.00~~	-	~~32,339,~~33,914,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ANAMBRA	32,~~339,~~664,000.00	1,250,000.00	33,914,000.00	0	~~32,339,000.00~~	0	~~32,339,~~33,914,000.00	0	0.00%	0	0%
							0%		0%
Cash Backed loan / Credit Card							0%		0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	32,~~339,~~664,000.00	1,250,000.00	33,914,000.00	0	~~32,339,000.00~~	0	~~32,339,~~33,914,000.00	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	30,~~725,~~825,000.00		30,~~725,~~825,000.00		30,~~725,~~825,000.00		0%		0%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	30,~~725,~~825,000.00	0	30,~~725,~~825,000.00	0	30,~~725,~~825,000.00	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	30,~~725,~~825,000.00	-	30,~~725,~~825,000.00	-	30,~~725,~~825,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR OYO	30,~~725,~~825,000.00	0	30,~~725,~~825,000.00	0	30,~~725,~~825,000.00	0	0.00%	0	0%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	30,~~725,~~825,000.00	0	30,~~725,~~825,000.00	0	30,~~725,~~825,000.00	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	8,120,000.00		8,120,000.00		8,120,000.00		0%		0%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	8,120,000.00	0	8,120,000.00	0	8,120,000.00	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	8,120,000.00	-	8,120,000.00	-	8,120,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	8,120,000.00	0	8,120,000.00	0	8,120,000.00	0	0.00%	0	0%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	8,120,000.00	0	8,120,000.00	0	8,120,000.00	0	0.00%	0	0%


ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					KANO 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	5,275,000.00		5,275,000.00		5,275,000.00		0%		0%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	5,275,000.00	0	5,275,000.00	0	5,275,000.00	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	5,275,000.00	-	5,275,000.00	-	5,275,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	5,275,000.00	0	5,275,000.00	0	5,275,000.00	0	0.00%	0	0%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	5,275,000.00	0	5,275,000.00	0	5,275,000.00	0	0.00%	0	0%

TREASURY MANAGEMENT REPORT

ROSABON FINANCIAL SERVICES

LIABILITY GENERATION REPORT

WEEK

4448

Ending

~~04-Nov-~~02-Dec-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

-1,~~244,279,980.86~~273,742,802.41

~~43,613,076.99~~12,470,000.00

~~39,083,299.91~~87,334,873.96

~~4,529,777.08~~-74,864,873.96

~~731,673,592.65~~798,189,373.80

-1,~~239,750,203.78~~348,607,676.37

~~451,364,345.99~~243,440,835.83

-~~1,971,423,796.43~~2,146,797,050.17

-~~375%~~654%

R-WIN

-11,~~367,411.57~~389,034.18

~~625,512.52~~680,000.00

~~633,082.99~~345,657.81

~~-7,570.47~~334,342.19

~~16,080,738.30~~17,542,623.60

-11,~~374,982.04~~054,691.99

~~2,432,205.69~~6,496,280.01

-~~27,455,720.34~~28,597,315.59

-~~568%~~270%

REAP PRODUCT

11,309,590.97

1,866,500.00

379,277.01

1,487,222.99

61,399,182.60

12,~~239,493.~~796,813.96

3,704,782.43

-48,602,368.64

~~2,681,000.00~~

~~770,000.00~~

~~1,911,000.00~~

~~56,282,584.05~~

~~14,150,493.64~~

~~-1,019,276.73~~

~~-42,132,090.41~~

~~-1488%~~245%

RBIP

TOTAL

-1,~~243,407,898.79~~273,822,245.62

~~46,919,589.51~~15,016,500.00

~~40,486,382.90~~88,059,808.78

~~6,433,206.61~~-73,043,308.78

~~804,036,915.~~877,131,180.00

-1,~~236,974,692.18~~346,865,554.40

~~452,777,274.95~~253,641,898.27

-2,~~041,011,607.18~~223,996,734.40

-~~373%~~631%

ABUJA

TENOR FUND

-~~20,136,~~4,536,500.97

100,000.00

354,750,832.80

~~325,188,263.40~~

~~-20,136,~~4,436,500.97

~~40,529,513.50~~42,415,919.83

-~~345,324,764.37~~359,187,333.77

-~~150%~~110%

R-WIN

7,~~146,994.80~~796,721.60

-77,705.31

-7,~~146,994.80~~796,721.60

-1

REAP PRODUCT

-~~919,~~629,879.33

~~25,014,481.80~~27,288,525.60

-~~919,~~629,879.33

~~48,~~148,294.81

-~~25,934,361.13~~27,918,404.93

-~~2005%~~525%

TOTAL

-~~21,056,~~5,166,380.30

100,000.00

-100,000.00

~~357,349,740.~~389,836,080.00

-~~21,056,~~5,066,380.30

~~40,500,103.00~~42,486,509.33

-~~378,406,120.~~394,902,460.30

-~~152%~~112%

WARRI

TENOR FUND

R-WIN

REAP PRODUCT

TOTAL

-1,~~264,464,279.09~~278,988,625.92

~~46,919,589.51~~15,116,500.00

~~40,486,382.90~~88,059,808.78

~~6,433,206.61~~-72,943,308.78

1,~~161,386,655.~~266,967,260.00

-1,~~258,031,072.48~~351,931,934.70

~~493,277,377.95~~296,128,407.60

-~~355%~~557%

PORT-HARCOURT

WEEK 4448

TENOR FUND

~~394,390,285.60~~677,027,776.42

~~7,000,~~37,700,000.00

~~14,588,917.59~~7,285,061.66

~~-7,588,917.59~~30,414,938.34

~~569,079,460.95~~620,813,957.40

~~386,801,368.01~~707,442,714.76

~~5,448,710.08~~98,906,535.96

~~-182,278,092.94~~86,628,757.36

~~6999%~~615%

R-WIN

1,~~275,~~575,000.00

2,000,000.00

-13,644,263.40

~~12,507,241.45~~

~~1,275,~~3,575,000.00

349,814.68

-~~11,232,241.45~~10,069,263.40

~~264%~~922%

REAP PRODUCT

1,~~384,483.06~~535,888.64

~~825,~~1,870,000.00

~~699,215.66~~

~~125,784.34~~

~~43,775,342.60~~240,000.00

1,~~510,267.40~~630,000.00

~~2,830,603.27~~47,754,919.20

3,165,888.64

3,438,271.01

-~~42,265,075.20~~44,589,030.56

-~~47%~~8%

~~397,049,768.66~~680,138,665.06

~~7,825,~~41,570,000.00

~~15,288,133.25~~7,525,061.66

~~-7,463,133.25~~34,044,938.34

~~625,362,045.~~682,213,140.00

~~389,586,635.41~~714,183,603.40

~~8,629,128.03~~102,694,621.65

~~-235,775,409.59~~31,970,463.40

~~4415%~~595%

CONSOLIDATED

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)

TENOR FUND

-~~870,026,196.23~~601,251,526.96

50,~~613,076.99~~270,000.00

~~53,672,217.50~~94,619,935.62

-~~3,059,140.51~~44,349,935.62

1,~~625,941,317.~~773,754,164.00

-~~873,085,336.74~~645,601,462.58

~~497,342,569.57~~384,763,291.62

-2,~~499,026,653.74~~419,355,626.58

-~~276%~~268%

R-WIN

-~~10,092,411.57~~9,814,034.18

~~625,512.52~~2,680,000.00

~~633,082.99~~345,657.81

2,334,342.19

38,983,608.60

-7,~~570.47~~479,691.99

~~35,734,974.55~~6,768,389.38

-~~10,099,982.04~~

~~2,704,315.06~~

~~-45,834,956.~~46,463,300.59

-~~473%~~211%

REAP PRODUCT

12,~~704,097.37~~215,600.28

3,~~506,000.~~736,500.00

~~1,469,215.66~~619,277.01

~~2,036,784.34~~3,117,222.99

~~125,072,408.45~~136,442,627.40

~~14,740,881.71~~15,332,823.27

~~1,859,621.35~~7,291,348.25

-~~110,331,526.74~~121,109,804.13

~~693%~~110%

RBIP

-~~867,414,510.43~~598,849,960.86

~~54,744,589.51~~56,686,500.00

~~55,774,516.15~~95,584,870.44

-~~1,029,926.64~~38,898,370.44

1,~~786,748,700.~~949,180,400.00

-~~868,444,437.07~~637,748,331.30

~~501,906,505.98~~398,823,029.25

-2,~~655,193,137.07~~586,928,731.30

-~~273%~~260%

MEETING ADJOURNMENT

Linda Ottah-Ijekeye seconded by Mercy Uma adjourned the meeting.