Week 42 10-14-2024

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

ATTENDEES

ABDULLAHI NAJIMUDEEN - Lead, Internal Operations
ADETAYO OLUKOGA - National Channels Manager
ANTHONIA OGBU   - Lead, Underwriting
CHIMA AGU    - Ag, Lead Client Experience Management
CHUKWUMA OKONJI - Telesales
EMMANUEL DOE - Transformation
EMMANUEL ONAKOYA - Lead, CRM
GODFREY EGBUOKPORO - Lead, Communications
ITIEKHAO IKPEMINOGENA - General Manager
FAITH OZEGBE -  Acting Secretary
JOHN ESAN - Product Manager,
LINDA OTTAH-IJEKEYE -  Brokers Admin
OLUSEGUN AKEJU - Lead Data Science Unit/Loan Portfolio Unit
OLUWAFEMI SIYANBOLA - Sales
OLUWOLE EWEJOBI -  Head, Information Technology
OMOWASINUOLA IJASANMI - Product Manager
OWOICHO AGADA - Ag. Head, Human Resources
PETER OJUKWU - Asset Remedial
RALPH BRAYILLA - Head, Business Operations
SAMUEL OTTAH    - Product Development
SOPHIA DAGI -  Deputy National Channel Manager
SUNDAY KALU - Brokers

Owoicho Agada said the opening prayer

Linda Ottah-Ijekeye seconded by Faith Ozegbe adopted the minutes

ORDER OF PRESENTATION
Asset Creation, Telesales, Wealth Management, Credit Risk Management, Product Development, Business Operations, Legal,

ACTIVITY REPORT (14th – 18th October, 2024)

Tele-sales Team Report
The total amount consummated by the team for the week in review is 12.4M with the core telesales and customer retention team consummating 2.5M (25% of the week’s target) at 2 counts and 9.9M (52% of the week’s target) at 4 counts respectively.

Asset Creation report
For the period in review, Transactions disbursed are 167.9M. The total consummated by all sales channel is 185.8M

Wealth Management Global Report
The week in review shows total netfolw as -138M

Brokers Team Report
The week in review shows liability generation is ~~32.93~~35.8% (~~19M)~~20.6M) of the budget. Risk Asset Transaction Disbursed for the week ~~7.8M,~~Nil, Fresh Fund (RTN) for the Week ~~17M,~~17.4M, Reap Fund for the week Nil, Rollover for the week 3.2M, Liquidation for the week ~~Nil~~50.4M

Wealth Management Team Report
The report captures the actiivities for the period in review. Executive summary shows the Liquidity Requirement status as ~~GOOD~~BAD (~~110%~~37%).

Credit Risk Management Report
The report shows Core underwriters approved 153 transactions and pushed back 9255 transactions. The senior underwriters approved ~~142~~204 transactions and pushed back ~~29.~~20. In the recovery space, the total recovery is ~~31.3M~~15.9M (~~81.08%~~22.64%) broken down as PDO is ~~26.~~10.1M (~~68.81%~~31.15% of the target). Extended interest recovery as 2.4M (45.~~85%~~26% of the target), Provisioned Accounts recovery as ~~2.7M~~3.4M at 3623 counts (~~44.2%~~55.3% of the target).

RISK ASSET GENERATION REPORT

ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					LAGOS BRANCH PERFORMANCE
	WEEK	3941		Ending				~~28-Sep-~~12-Oct-24
	BAL B/F	WEEK 3941	ACTUAL PERFORMANCE	ACTUAL	NET PERFORMANCE	CUMULATIVE 2024 BUDGET	BUDGET VARIANCE YEAR TO DATE	PERFORMANCE YEAR TO DATE	% CHANGE BETWEEN 2024 & 2023
		ACTUAL PERFOMANCE	YEAR TO DATE	PRE-LIQUIDATED LOANS	YEAR TO DATE
		2024	2024	2024	2024	2024	2024	2023	2024 Vs 2023
PRODUCTS
Personal Loan / Public Sector Employee Loan / Group Loan	1,~~769,751,421.~~906,266,496.00	~~126,600,075.~~128,185,000.00	~~1,896,351,~~2,034,451,496.00	-	~~1,896,351,~~2,034,451,496.00	3,~~440,495,392.64~~616,931,053.80	-~~45%~~44%	1,~~367,671,286.~~409,315,016.84	~~39%~~44%
Consumer Leases	349,520.00		349,520.00		349,520.00	~~14,734,799.92~~15,490,430.68	-98%	4,533,941.97	-92%
Asset Cash Loan			-		-				0%
SPBS			-		-			31,408,900.00	-100%
Sub-Total	1,~~770,100,941.~~906,616,016.00	~~126,600,075.~~128,185,000.00	~~1,896,701,~~2,034,801,016.00	-	~~1,896,701,~~2,034,801,016.00	3,~~455,230,192.55~~632,421,484.48	-~~45.11%~~43.98%	1,~~403,614,128.~~445,257,858.81	~~35%~~41%
Corporate Leases	92,125,000.00		92,125,000.00		92,125,000.00	~~26,230,239.42~~27,575,379.90	0%		~~251%~~0%
Operating Leases	-		-		-	~~746,261,817.66~~784,531,654.46	0%	55000000	-100%
Business Support Loan/ACL-Corporate	34,000,000.00		34,000,000.00		34,000,000.00	~~7,666,607.56~~8,059,766.92	0%	20000000	~~343%~~70%
Sub-Total	126,125,000.00	-	126,125,000.00	-	126,125,000.00	~~780,158,664.64~~820,166,801.29	-~~83.83%~~84.62%	75,000,000.00	68%

B2C - Products	1,~~770,100,941.~~906,616,016.00	~~126,600,075.~~128,185,000.00	~~1,896,701,~~2,034,801,016.00	-	~~1,896,701,~~2,034,801,016.00	3,~~455,230,192.55~~632,421,484.48	-~~45%~~44%	1,~~403,614,128.~~445,257,858.81	~~35%~~41%
B2B - Products	126,125,000.00	-	126,125,000.00	-	126,125,000.00	~~780,158,664.64~~820,166,801.29	-~~84%~~85%	75,000,000.00	68%
TOTAL FOR LAGOS	~~1,896,225,941.~~2,032,741,016.00	~~126,600,075.~~128,185,000.00	2,~~022,826,~~160,926,016.00	-	2,~~022,826,~~160,926,016.00	4,~~235,388,857.19~~452,588,285.76	-~~52.24%~~51.47%	1,~~478,614,128.~~520,257,858.81	~~37%~~42%

Cash Backed loan / Credit Card	61,150,000.00	15,000,000.00	~~61,~~76,150,000.00		~~61,~~76,150,000.00	~~230,266,446.90~~242,074,982.64	-~~73%~~69%	~~15,850,~~17,600,000.00	~~286%~~333%

Total Risk Assets & Cash-Backed Loan	~~1,957,375,941.~~2,093,891,016.00	~~126,600,075.~~143,185,000.00	2,~~083,976,~~237,076,016.00	-	2,~~083,976,~~237,076,016.00	4,~~465,655,304.09~~694,663,268.40	-~~53.33%~~52.35%	1,~~494,464,128.~~537,857,858.81	~~39%~~45%

ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ABUJA BRANCH PERFORMANCE
	WEEK	3941		Ending				~~28-Sep-~~12-Oct-24
	BAL B/F	WEEK 3941	ACTUAL PERFORMANCE	ACTUAL	NET PERFORMANCE	CUMULATIVE 2024 BUDGET	BUDGET VARIANCE YEAR TO DATE	PERFORMANCE YEAR TO DATE	% CHANGE BETWEEN 2024 & 2023
		ACTUAL PERFOMANCE	YEAR TO DATE	PRE-LIQUIDATED LOANS	YEAR TO DATE
		2024	2024	2024	2024	2024	2024	2023	2024 Vs 2023
PRODUCTS
Personal Loan / Public Sector Employee Loan / Group Loan	~~410,755,~~454,149,150.28	~~21,136,000.00~~28,331,278.25	~~431,891,150.28~~482,480,428.53	-	~~431,891,150.28~~482,480,428.53	2,~~494,359,159.66~~622,275,014.00	-~~83%~~82%	~~355,252,~~356,752,070.86	~~22%~~35%
Consumer Leases			-		-	5,~~358,109.06~~632,883.88	-100%	-	0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Abuja	~~410,755,~~454,149,150.28	~~21,136,000.00~~28,331,278.25	~~431,891,150.28~~482,480,428.53	-	~~431,891,150.28~~482,480,428.53	2,~~499,717,268.72~~627,907,897.88	-~~83%~~82%	~~355,252,~~356,752,070.86	~~22%~~35%
Corporate Lease			-		-	3,~~747,177.06~~939,339.99	-100%		0%
Operating Leases			-		-	~~116,085,171.64~~122,038,257.36	-100%		0%
Business Support Loan/ACL-Corporate			-		-	4,~~216,634.15~~432,871.80	-100%		0%
Sub-Total B 2 B Leases	-	-	-	-	-	~~124,048,982.85~~130,410,469.15	-100%	-	0%
					-
B2C - Products	~~410,755,~~454,149,150.28	~~21,136,000.00~~28,331,278.25	~~431,891,150.28~~482,480,428.53	-	~~431,891,150.28~~482,480,428.53	2,~~499,717,268.72~~627,907,897.88	-~~83%~~82%	~~355,252,~~356,752,070.86	~~22%~~35%
B2B - Products	-	-	-	-	-	~~124,048,982.85~~130,410,469.15	-100%	-	0%
TOTAL FOR ABUJA	~~410,755,~~454,149,150.28	~~21,136,000.00~~28,331,278.25	~~431,891,150.28~~482,480,428.53	-	~~431,891,150.28~~482,480,428.53	2,~~623,766,251.57~~758,318,367.03	-~~84%~~83%	~~355,252,~~356,752,070.86	~~22%~~35%

Cash Backed loan / Credit Card			-		-	~~23,026,644.69~~24,207,498.26	-100%		0%

Total Risk Assets & Cash-Backed Loan	~~410,755,~~454,149,150.28	~~21,136,000.00~~28,331,278.25	~~431,891,150.28~~482,480,428.53	-	~~431,891,150.28~~482,480,428.53	2,~~646,792,896.26~~782,525,865.30	-~~84%~~83%	~~355,252,~~356,752,070.86	~~22%~~35%

ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					PORT-HARCOURT BRANCH PERFORMANCE
	WEEK	3941		Ending				~~28-Sep-~~12-Oct-24
	BAL B/F	WEEK 3941	PERFORMANCE YEAR TO DATE 2024	PRE-LIQUIDATED LOANS 2024	NET PERFORMANCE 2023	CUMULATIVE 2024 BUDGET	BUDGET VARIANCE YEAR TO DATE 2024	PERFORMANCE YEAR TO DATE 2023	% CHANGE BETWEEN 2024 & 2023
		ACTUAL PERFOMANCE	YEAR TO DATE	PRE-LIQUIDATED LOANS	YEAR TO DATE
		2024	2024	2024	2024	2024	2024	2023	2024 Vs 2023
PRODUCTS
Personal Loan / Public Sector Employee Loan / Group Loan	~~510,852,~~532,671,993.33	~~18,170,~~12,874,000.00	~~529,022,~~545,545,993.33	-	~~529,022,~~545,545,993.33	2,~~666,383,929.29~~803,121,566.68	-~~80%~~81%	~~399,179,~~407,389,596.08	~~33%~~34%
Consumer Leases	159,300.00		159,300.00		159,300.00	~~6,697,636.33~~7,041,104.86	-98%		0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%	7,150,000.00	-100%
Sub-Total Port Harcourt	~~511,012,~~532,831,293.33	~~18,170,~~12,874,000.00	~~529,182,~~545,705,293.33	0	~~529,182,~~545,705,293.33	2,~~673,081,565.61~~810,162,671.54	-80.~~20%~~58%	~~406,329,~~414,539,596.08	~~30%~~32%
Corporate Leases			-		-	7,~~494,354.12~~878,679.97	-100%		0%
Operating Leases			-		-	~~796,012,605.50~~836,833,764.76	-100%	336,000,250.00	-100%
Business Support Loan/ACL-Corporate			-		-	7,~~283,277.18~~656,778.57	-100%	15,400,000.00	-100%
Sub-Total B 2 B Leases	0	0	0	0	0	~~810,790,236.80~~852,369,223.31	-100.00%	351,400,250.00	-100%
							-		0%
B2C - Products	~~511,012,~~532,831,293.33	~~18,170,~~12,874,000.00	~~529,182,~~545,705,293.33	-	~~529,182,~~545,705,293.33	2,~~673,081,565.61~~810,162,671.54	-~~80%~~81%	~~406,329,~~414,539,596.08	~~30%~~32%
B2B - Products	-	-	-	-	-	~~810,790,236.80~~852,369,223.31	-100%	351,400,250.00	-100%
TOTAL FOR PORT HARCOURT	~~511,012,~~532,831,293.33	~~18,170,~~12,874,000.00	~~529,182,~~545,705,293.33	0	~~529,182,~~545,705,293.33	3,~~483,871,802.42~~662,531,894.85	-~~84.81%~~85.10%	~~757,729,~~765,939,846.08	-~~30%~~29%
							0%		0%
Cash Backed loan / Credit Card	50,000,000.00		50,000,000.00		50,000,000.00	~~75,658,975.41~~79,538,922.87	-~~34%~~37%	550,000.00	8991%
							0%		0%
Total Risk Assets & Cash-Backed Loan	~~561,012,~~582,831,293.33	~~18,170,~~12,874,000.00	~~579,182,~~595,705,293.33	0	~~579,182,~~595,705,293.33	3,~~559,530,777.83~~742,070,817.71	-~~83.73%~~84.08%	~~758,279,~~766,489,846.08	-~~24%~~22%


ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ANAMBRA BRANCH PERFORMANCE
	WEEK	WEEK 3941		Ending				PERFORMANCE YEAR TO DATE 2023
	BAL B/F	ACTUAL PERFOMANCE	PERFORMANCE YEAR TO DATE 2023	PRE-LIQUIDATED LOANS 2022	NET PERFORMANCE 2023	CUMULATIVE 2022 BUDGET	BUDGET VARIANCE YEAR TO DATE 2024	PERFORMANCE YEAR TO DATE 2023	% CHANGE BETWEEN 2024 Vs 2023
		ACTUAL PERFOMANCE	YEAR TO DATE	PRE-LIQUIDATED LOANS	YEAR TO DATE
		2024	2024	2024	2024	2024	2024	2023	2024 Vs 2023
PRODUCTS
Personal Loan / Public Sector Employee Loan / Group Loan	32,~~157,~~342,000.00	~~185,~~720,000.00	~~32,342,~~33,062,000.00		~~32,342,~~33,062,000.00		0%	29,~~634,~~734,000.00	9%11%
Consumer Leases			-		-		0%		0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Port Harcourt	32,~~157,~~342,000.00	~~185,~~720,000.00	~~32,342,~~33,062,000.00	0	~~32,342,~~33,062,000.00	0	0.00%	29,~~634,~~734,000.00	9%11%
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,~~157,~~342,000.00	~~185,~~720,000.00	~~32,342,~~33,062,000.00	-	~~32,342,~~33,062,000.00	-	0%	29,~~634,~~734,000.00	9%11%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ANAMBRA	32,~~157,~~342,000.00	~~185,~~720,000.00	~~32,342,~~33,062,000.00	0	~~32,342,~~33,062,000.00	0	0.00%	29,~~634,~~734,000.00	9%11%
							0%		0%
Cash Backed loan / Credit Card							0%		0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	32,~~157,~~342,000.00	~~185,~~720,000.00	~~32,342,~~33,062,000.00	0	~~32,342,~~33,062,000.00	0	0.00%	29,~~634,~~734,000.00	9%11%


ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					OYO BRANCH PERFORMANCE
	WEEK	ACTUAL PERFOMANCE		Ending				PERFORMANCE YEAR TO DATE 2023
	BAL B/F	ACTUAL PERFOMANCE	PERFORMANCE YEAR TO DATE 2023	PRE-LIQUIDATED LOANS 2022	NET PERFORMANCE 2023	CUMULATIVE 2024 BUDGET	BUDGET VARIANCE YEAR TO DATE 2024	PERFORMANCE YEAR TO DATE 2023	% CHANGE BETWEEN 2024 Vs 2023
		ACTUAL PERFOMANCE	YEAR TO DATE	PRE-LIQUIDATED LOANS	YEAR TO DATE
		2024	2024	2024	2024	2024	2024	2023	2024 Vs 2023
PRODUCTS
Personal Loan / Public Sector Employee Loan / Group Loan	~~38,906,~~39,116,000.00	~~430,~~505,000.00	39,~~336,~~621,000.00		39,~~336,~~621,000.00		0%	29,380,000.00	35%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	39,116,000.00	505,000.00	39,621,000.00	0	39,621,000.00	0	0.00%	29,380,000.00	35%
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	39,116,000.00	505,000.00	39,621,000.00	-	39,621,000.00	-	0%	29,380,000.00	35%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR OYO	39,116,000.00	505,000.00	39,621,000.00	0	39,621,000.00	0	0.00%	29,380,000.00	35%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	39,116,000.00	505,000.00	39,621,000.00	0	39,621,000.00	0	0.00%	29,380,000.00	35%


ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ONDO BRANCH PERFORMANCE
	WEEK	ACTUAL PERFOMANCE		Ending				PERFORMANCE YEAR TO DATE 2023
	BAL B/F	ACTUAL PERFOMANCE	PERFORMANCE YEAR TO DATE 2023	PRE-LIQUIDATED LOANS 2024	NET PERFORMANCE 2023	CUMULATIVE 2022 BUDGET	BUDGET VARIANCE YEAR TO DATE 2024	PERFORMANCE YEAR TO DATE 2023	% CHANGE BETWEEN 2024 Vs 2023
		2024	2024	2024	2024	2024	2024	2023	2024 Vs 2023
PRODUCTS
Personal Loan / Public Sector Employee Loan / Group Loan	10,180,000.00	300,000.00	10,480,000.00		10,480,000.00		0%	7,820,000.00	34%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	~~38,906,~~10,180,000.00	~~430,~~300,000.00	~~39,336,~~10,480,000.00	0	~~39,336,~~10,480,000.00	0	0.00%	~~29,380,~~7,820,000.00	34%
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	~~38,906,~~10,180,000.00	~~430,~~300,000.00	~~39,336,~~10,480,000.00	-	~~39,336,~~10,480,000.00	-	0%	~~29,380,~~7,820,000.00	34%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ~~OYO~~ONDO	~~38,906,~~10,180,000.00	~~430,~~300,000.00	~~39,336,~~10,480,000.00	0	~~39,336,~~10,480,000.00	0	0.00%	~~29,380,~~7,820,000.00	34%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	~~38,906,~~10,180,000.00	~~430,~~300,000.00	~~39,336,~~10,480,000.00	0	~~39,336,~~10,480,000.00	0	0.00%	~~29,380,~~7,820,000.00	34%


ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					~~ONDO~~KANO BRANCH PERFORMANCE
	WEEK	ACTUAL PERFOMANCE		Ending				PERFORMANCE YEAR TO DATE 2023
	BAL B/F	~~ACTUAL~~ ~~PERFOMANCE~~	PERFORMANCE YEAR TO DATE 2023	PRE-LIQUIDATED LOANS 2024	NET PERFORMANCE 2023	CUMULATIVE 2022 BUDGET	BUDGET VARIANCE YEAR TO DATE 2024	PERFORMANCE YEAR TO DATE 2023	% CHANGE BETWEEN 2024 Vs 2023
		2024	2024	2024	2024	2024	2024	2023	2024 Vs 2023
PRODUCTS
Personal Loan / Public Sector Employee Loan / Group Loan	~~9,230,~~44,759,000.00	~~650,~~980,000.00	~~9,880,~~45,739,000.00		~~9,880,~~45,739,000.00		0%	~~7,820,~~5,225,000.00	~~26%~~775%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	~~9,230,~~44,759,000.00	~~650,~~980,000.00	~~9,880,~~45,739,000.00	0	~~9,880,~~45,739,000.00	0	0.00%	~~7,820,~~5,225,000.00	~~26%~~775%
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	~~9,230,~~44,759,000.00	~~650,~~980,000.00	~~9,880,~~45,739,000.00	-	~~9,880,~~45,739,000.00	-	0%	~~7,820,~~5,225,000.00	~~26%~~775%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	~~9,230,~~44,759,000.00	~~650,~~980,000.00	~~9,880,~~45,739,000.00	0	~~9,880,~~45,739,000.00	0	0.00%	~~7,820,~~5,225,000.00	~~26%~~775%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	~~9,230,~~44,759,000.00	~~650,~~980,000.00	~~9,880,~~45,739,000.00	0	~~9,880,~~45,739,000.00	0	0.00%	~~7,820,~~5,225,000.00	~~26%~~


~~ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT~~					~~KANO BRANCH PERFORMANCE~~
	~~WEEK~~	~~ACTUAL PERFOMANCE~~		~~Ending~~				~~PERFORMANCE~~ ~~YEAR TO DATE 2023~~
	~~BAL B/F~~		~~PERFORMANCE YEAR TO DATE 2023~~	~~PRE-LIQUIDATED LOANS 2024~~	~~NET PERFORMANCE 2023~~	~~CUMULATIVE 2022 BUDGET~~	~~BUDGET VARIANCE~~ ~~YEAR TO DATE 2024~~	~~PERFORMANCE~~ ~~YEAR TO DATE 2023~~	~~% CHANGE BETWEEN 2024 Vs 2023~~
		~~2024~~	~~2024~~	~~2024~~	~~2024~~	~~2024~~	~~2024~~	~~2023~~	~~2024 Vs 2023~~
~~PRODUCTS~~
~~Personal Loan / Public Sector Employee Loan / Group Loan~~	~~41,264,000.00~~	~~1,800,000.00~~	~~43,064,000.00~~		~~43,064,000.00~~		0%	~~3,855,000.00~~	~~1017%~~
~~Consumer Leases~~					-		0%		0%
~~Asset Cash Loan~~					-		0%		0%
~~SPBS~~					-		0%		0%
~~Sub-Total Port Harcourt~~	~~41,264,000.00~~	~~1,800,000.00~~	~~43,064,000.00~~	0	~~43,064,000.00~~	0	~~0.00%~~	~~3,855,000.00~~	~~1017%~~
~~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~~	~~41,264,000.00~~	~~1,800,000.00~~	~~43,064,000.00~~	-	~~43,064,000.00~~	-	0%	~~3,855,000.00~~	~~1017%~~
~~B2B - Products~~	-	-	-	-	-	-	0%	-	0%
~~TOTAL FOR ONDO~~	~~41,264,000.00~~	~~1,800,000.00~~	~~43,064,000.00~~	0	~~43,064,000.00~~	0	~~0.00%~~	~~3,855,000.00~~	~~1017%~~
							0%		0%
~~Cash Backed loan / Credit Card~~							0%	0	0%
							0%		0%
~~Total Risk Assets & Cash-Backed Loan~~	~~41,264,000.00~~	~~1,800,000.00~~	~~43,064,000.00~~	0	~~43,064,000.00~~	0	~~0.00%~~	~~3,855,000.00~~	~~1017%~~775%


ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					OSUN BRANCH PERFORMANCE
	WEEK			Ending				PERFORMANCE YEAR TO DATE 2023
	BAL B/F		PERFORMANCE YEAR TO DATE 2023	PRE-LIQUIDATED LOANS 2024	NET PERFORMANCE 2023	CUMULATIVE 2022 BUDGET	BUDGET VARIANCE YEAR TO DATE 2024	PERFORMANCE YEAR TO DATE 2023	% CHANGE BETWEEN 2024 Vs 2023
		2024	2024	2024	2024	2024	2024	2023	2024 Vs 2023
PRODUCTS
Personal Loan / Public Sector Employee Loan / Group Loan	~~111,633,~~133,762,000.00	~~16,103,~~13,975,000.00	~~127,736,~~147,737,000.00		~~127,736,~~147,737,000.00		0%	147,737,000.00	0%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	~~111,633,~~133,762,000.00	~~16,103,~~13,975,000.00	~~127,736,~~147,737,000.00	0	~~127,736,~~147,737,000.00	0	0.00%	0147,737,000.00	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	~~111,633,~~133,762,000.00	~~16,103,~~13,975,000.00	~~127,736,~~147,737,000.00	-	~~127,736,~~147,737,000.00	-	0%	-147,737,000.00	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	~~111,633,~~133,762,000.00	~~16,103,~~13,975,000.00	~~127,736,~~147,737,000.00	0	~~127,736,~~147,737,000.00	0	0.00%	0147,737,000.00	0%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	~~111,633,~~133,762,000.00	~~16,103,~~13,975,000.00	~~127,736,~~147,737,000.00	0	~~127,736,~~147,737,000.00	0	0.00%	0147,737,000.00	0%

TREASURY MANAGEMENT REPORT

ROSABON FINANCIAL SERVICES

LIABILITY GENERATION REPORT

WEEK

3941

Ending

~~28-Sep-~~12-Oct-24

LAGOS

BAL B/F

INFLOW

OUTFLOW

NET FLOW

CUM BUDGET
YEAR TO DATE

PERFORMANCE
YEAR TO DATE

BUDGET VARIANCE
YEAR TO DATE

% CHANGE BETWEEN 2024 & 2023 (ACTUAL)

2024

2023

2024

TENOR FUND

836,~~403,393.15~~677,379.47

~~118,870,~~171,481,000.00

~~204,906,800.68~~20,425,273.18

~~-86,036,800.68~~151,055,726.82

2,~~632,345,413.46~~767,337,485.94

~~750,366,592.47~~987,733,106.29

-1,~~214,505,274.74~~432,352,044.37

-1,~~881,978,820.99~~779,604,379.65

-~~162%~~169%

R-WIN

~~7,384,442.90~~12,100,198.29

~~2,147,~~5,580,000.00

~~300,956.61~~260,971.76

~~1,846,043.39~~5,319,028.24

~~56,007,349.22~~58,879,520.98

~~9,230,486.29~~17,419,226.53

-4,~~149,320.83~~347,313.19

-~~46,776,862.93~~41,460,294.45

-~~322%~~501%

REAP PRODUCT

~~28,049,039.74~~29,857,585.96

~~3,772,~~4,220,000.00

20,000.00

4,~~139,372.95~~200,000.00

~~-367,372.95~~117,759,041.96

~~112,014,698.45~~34,057,585.96

~~27,681,666.79~~

~~8,202,~~10,370,358.17

-~~84,333,031.66~~83,701,456.00

~~237%~~228%

RBIP

TOTAL

~~871,836,875.79~~878,635,163.72

~~124,789,~~181,281,000.00

~~209,347,130.24~~20,706,244.94

~~-84,558,130.24~~160,574,755.06

2,~~800,367,461.13~~943,976,048.88

~~787,278,745.55~~1,039,209,918.78

-1,~~210,452,237.40~~426,328,999.39

-~~2,013,088,715.58~~1,904,766,130.10

-~~165%~~173%

ABUJA

TENOR FUND

~~148,122,771.20~~156,307,765.03

11,000,000.00

~~23,358,792.47~~515,534.24

10,484,465.76

1,539,446,018.67

166,792,230.79

-~~23,358,792.47~~

~~1,464,351,090.93~~

~~124,763,978.73~~

~~-25,019,377.69~~29,636,500.97

-1,~~339,587,112.20~~372,653,787.88

-~~599%~~663%

R-WIN

~~31,156,406.19~~32,754,170.61

-~~31,156,406.19~~32,754,170.61

REAP PRODUCT

-~~663,247.61~~1,195,725.48

~~62,312,812.38~~

~~-663,247.61~~65,508,341.22

-1,~~019,~~195,725.48

-899,879.33

-~~62,976,059.99~~66,704,066.70

~~-35%~~33%

TOTAL

~~147,459,523.59~~155,112,039.55

11,000,000.00

515,534.24

10,484,465.76

1,637,708,530.50

165,596,505.31

~~23,358,792.47~~

~~-23,358,792.47~~

~~1,557,820,309.50~~

~~124,100,731.12~~

~~-26,039,257.02~~30,536,380.30

-1,~~433,719,578.38~~472,112,025.19

-~~577%~~642%

OSUN

TENOR FUND

R-WIN

REAP PRODUCT

TOTAL

1,~~019,296,399.38~~033,747,203.27

~~124,789,~~192,281,000.00

~~232,705,922.71~~21,221,779.18

~~-107,916,922.71~~171,059,220.82

4,~~358,187,770.63~~581,684,579.38

~~911,379,476.67~~1,204,806,424.09

-1,~~236,491,494.42~~456,865,379.69

-~~174%~~183%

PORT-HARCOURT

WEEK 3941

TENOR FUND

-3,~~000,261.07~~740,218.20

~~40,643,570.~~46,300,000.00

~~232,580.67~~79,194,416.44

~~40,410,989.33~~-32,894,416.44

1,~~714,220,523.11~~

~~37,410,728.26~~

~~389,041,617.~~802,129,267.89

-~~1,676,809,794.85~~36,634,634.64

433,918,079.12

-~~90%~~1,838,763,902.53

-108%

R-WIN

-1,903,486.88

~~36,472,777.09~~38,343,175.91

-1,903,486.88

775,000.00

-~~38,376,263.97~~40,246,662.79

-346%

REAP PRODUCT

2,~~754,~~714,959.55

~~50,000.00~~

~~72,945,554.18~~-

76,686,351.83

2,~~804,~~714,959.55

~~670,~~1,290,771.11

-~~70,140,594.63~~73,971,392.28

~~318%~~110%

-2,~~148,788.40~~928,745.53

~~40,693,570.~~46,300,000.00

~~232,580.67~~79,194,416.44

~~40,460,989.33~~-32,894,416.44

1,~~823,638,854.38~~917,158,795.63

~~38,312,200.93~~-35,823,161.97

~~390,487,389.00~~435,983,850.23

-1,~~785,326,653.45~~952,981,957.60

-~~90%~~108%

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

~~981,525,903.28~~989,244,926.30

~~159,513,570.~~228,781,000.00

~~228,498,173.82~~100,135,223.86

128,645,776.14

6,108,912,772.50

1,117,890,702.44

-~~68,984,603.82~~

~~5,810,917,027.50~~

~~912,541,299.46~~

~~-850,483,034.54~~1,028,070,466.22

-4,~~898,375,728.04~~991,022,070.06

-~~207%~~209%

R-WIN

~~5,480,956.02~~10,196,711.41

~~2,147,~~5,580,000.00

~~300,956.61~~260,971.76

~~1,846,043.39~~5,319,028.24

~~123,636,532.~~129,976,867.50

~~7,326,999.41~~15,515,739.65

-3,~~374,320.83~~572,313.19

-~~116,309,533.09~~114,461,127.85

-~~317%~~534%

REAP PRODUCT

~~30,140,751.68~~31,376,820.03

~~3,822,~~4,220,000.00

20,000.00

4,~~139,372.95~~

~~-317,372.95~~

~~247,273,065.~~200,000.00

~~29,823,378.73~~259,953,735.00

~~7,853,~~35,576,820.03

10,761,249.95

-~~217,449,686.27~~224,376,914.97

~~280%~~231%

RBIP

1,~~017,147,610.98~~030,818,457.74

~~165,482,570.~~238,581,000.00

~~232,938,503.38~~100,416,195.62

~~-67,455,933.~~138,164,804.38

6,~~181,826,625.~~498,843,375.00

~~949,691,677.60~~1,168,983,262.12

-~~846,004,105.42~~1,020,881,529.46

-5,~~232,134,947.40~~329,860,112.88

-~~212%~~215%

MEETING ADJOURNMENT
Peter Ojukwu seconded by Faith Ozegbe adjourned the meeting