Week 43 10-21-2024

Duration: 8:30am - 10:15am
Venue: Virtual Via Google Meet
Presided by: Faith Ozegbe

ATTENDEES

ABDULLAHI NAJIMUDEEN       - Lead, Internal Operations
ADEDOYIN ADEYEMI               - Recovery 
ADETAYO OLUKOGA                - National Channels Manager
AJA IJI                                      - Branch Head, Abuja
ANTHONIA OGBU                    - Lead, Underwriting
CHIMA AGU                              - Ag, Lead Client Experience Management
CHINEDU UGWU                      - Legal
CHUKWUMA OKONJI              - Telesales
EMMANUEL DOE                      - Transformation
EZEINNE UMOZURIKE              - Lead, Legal
GBENGA AJAYI                         - Lead, Wealth Management
GODFREY EGBUOKPORO          - Lead, Communications
FAITH OZEGBE                          - Acting Secretary
ISIMEMEN EBHOMIEN              -  Accounts
ITIEKHAO IKPEMINOGENA       - General Manager
JOHN ESAN                               - Product Manager,
JULIANAH OMOSEHIN               - Product Support
LINDA OTTAH-IJEKEYE                -  Brokers Admin
OLUWAFEMI SIYANBOLA            - Sales
OLUWATOBI GBADAMOSI           - Product Manager
OLUWOLE EWEJOBI                     -  Head, Information Technology
OMOWALE BELLO                        -  Cooperate Lease
OMOWASINUOLA IJASANMI       - Product Manager
OWOICHO AGADA                      - AG. Head, Human Resources
PETER OJUKWU                           - Asset Remedial
RALPH BRAYILLA                         - Head, Business Operations
SAMUEL OTTAH                            - Product Development 
SAMUEL UKOR                             - IMTT Supervisor
SUNDAY KALU                              - Broker
TAIWO AJAGUNSEGUN                - Business Operations

IsimemenOwoicho EbhimienAgada said the opening prayer 

Linda Ottah-Ijekeye seconded by Faith Ozegbe adopted the last minutes

ORDER OF PRESENTATION
Client Experience, Asset Creation, Global Wealth Management, Corporate Lease, Wealth Management, Credit Risk Management, Product Development, Business Operations, Legal

ACTIVITY REPORT (16th – 20th September, 2024)

Client Experience Management Team Report
For the period in review, 263348 inquiries were recorded: Lagos: 77.57%86.78%, Port Harcourt: 9.13%5.17%, Abuja: 13.31%8.05%. The complaint breakdown: Wrong debit @ 40%71.43%, Credit update @13.33%@9.52%, Disbursement @40%@14.29%, Consumer Petition @0%, Double debit @6.67%@4.70%. All complaints received will be taken up with the concerned stakeholder.

Tele-sales Team Report
The total amount consummated by the team for the week in review is 21.7M4.9M  with the core telesales and customer retention team consummating 11.7M1.1M (117%12% of the week’s target) at 2 counts and 3.8M (20% of the week’s target) at 3 counts and 10M (53% of the week’s target) at 5 counts respectively.

 Asset Creation report
For the period in review, Transactions disbursed by the core sales  105.7M,69.2M, total asset creation is 128.5M73.7M

Wealth Management Global Report
The week in review shows total netflow as -82.4M62.2M

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).

Wealth Management Team Report
The report captures the actiivities for the period in review. Executive summary shows the Liquidity Requirement status as FAIR (55%). 

Credit Risk Management Report
The report shows Core underwriters approved 132142 transactions and pushed back 6422 transactions. The senior underwriters approved 198144 transactions and pushed back 20.24. In the recovery space, the total recovery is  broken down as PDO is 3M6.6M (8.07%26.68% of the target). Extended interest recovery as 1.2.9M  (36.22%54.75% of the target), Provisioned Accounts recovery as 1.6M7M at 1917 counts (27.3%6% of the target).

Product Development Team Report
Captures ongoing and completed projects.

Business Development Team Report
Captures ongoing and completed projects.

Legal Team Report
captures the ongoing and completed litigation 

RISK ASSET GENERATION REPORT

 

ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					LAGOS BRANCH PERFORMANCE
	WEEK	3842		Ending				21-Sep-19-Oct-24
	BAL B/F	WEEK 3842	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	1,700,842,421.2,031,151,496.00	68,909,000.0021,048,552.19	1,769,751,421.002,052,200,048.19	-	1,769,751,421.002,052,200,048.19	3,352,277,562.05705,148,884.38	-47%45%	1,364,371,286.435,112,016.84	30%43%
Consumer Leases	349,520.00		349,520.00		349,520.00	14,356,984.5415,868,246.07	-98%	4,533,941.97	-92%
Asset Cash Loan			-		-				0%
SPBS			-		-			31,408,900.00	0%-100%
Sub-Total	1,701,191,941.2,031,501,016.00	68,909,000.0021,048,552.19	1,770,100,941.002,052,549,568.19	-	1,770,100,941.002,052,549,568.19	3,366,634,546.59721,017,130.44	-47.42%44.84%	1,368,905,228.471,054,858.81	29%40%
Corporate Leases	92,125,000.00		92,125,000.00		92,125,000.00	25,557,669.1828,247,950.14	0%		260%0%
Operating Leases	-		-		-	727,126,899.26803,666,572.86	0%	55000000	-100%
Business Support Loan/ACL-Corporate	34,000,000.00		34,000,000.00		34,000,000.00	7,470,027.888,256,346.60	0%	20000000	355%70%
Sub-Total	126,125,000.00	-	126,125,000.00	-	126,125,000.00	760,154,596.31840,170,869.61	-83.41%84.99%	75,000,000.00	68%
B2C - Products	1,701,191,941.2,031,501,016.00	68,909,000.0021,048,552.19	1,770,100,941.002,052,549,568.19	-	1,770,100,941.002,052,549,568.19	3,366,634,546.59721,017,130.44	-47%45%	1,368,905,228.471,054,858.81	29%40%
B2B - Products	126,125,000.00	-	126,125,000.00	-	126,125,000.00	760,154,596.31840,170,869.61	-83%85%	75,000,000.00	68%
TOTAL FOR LAGOS	1,827,316,941.2,157,626,016.00	68,909,000.0021,048,552.19	1,896,225,941.002,178,674,568.19	-	1,896,225,941.002,178,674,568.19	4,126,789,142.90561,188,000.05	-54.05%52.23%	1,443,905,228.546,054,858.81	31%41%
Cash Backed loan / Credit Card	61,76,150,000.00	6,475,359.81	82,625,359.81		61,150,82,625,359.81	247,979,250.51	-67%	19,600,000.00		61,150,000.00	224,362,179.03	-73%	15,850,000.00	286%322%
Total Risk Assets & Cash-Backed Loan	1,888,466,941.2,233,776,016.00	68,909,000.27,523,912.00	1,957,375,941.2,261,299,928.00	-	1,957,375,941.2,261,299,928.00	4,351,151,321.93809,167,250.56	-55.01%52.98%	1,459,755,228.565,654,858.81	34%44%
ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ABUJA BRANCH PERFORMANCE
	WEEK	3842		Ending				21-Sep-19-Oct-24
	BAL B/F	WEEK 3842	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	402,665,150.28478,780,428.53	8,090,9,163,000.00	410,755,150.28487,943,428.53	-	410,755,150.28487,943,428.53	2,430,401,232.49686,232,941.17	-83%82%	352,502,010.362,548,069.86	17%35%
Consumer Leases			-		-	5,220,721.65770,271.29	-100%	-	0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Abuja	402,665,150.28478,780,428.53	8,090,9,163,000.00	410,755,150.28487,943,428.53	-	410,755,150.28487,943,428.53	2,435,621,954.14692,003,212.47	-83%82%	352,502,010.362,548,069.86	17%35%
Corporate Lease			-		-	3,651,095.604,035,421.45	-100%		0%
Operating Leases			-		-	113,108,628.78125,014,800.23	-100%		0%
Business Support Loan/ACL-Corporate			-		-	4,108,515.33540,990.63	-100%		0%
Sub-Total B 2 B Leases	-	-	-	-	-	120,868,239.70133,591,212.30	-100%	-	0%
					-
B2C - Products	402,665,150.28478,780,428.53	8,090,9,163,000.00	410,755,150.28487,943,428.53	-	410,755,150.28487,943,428.53	2,435,621,954.14692,003,212.47	-83%82%	352,502,010.362,548,069.86	17%35%
B2B - Products	-	-	-	-	-	120,868,239.70133,591,212.30	-100%	-	0%
TOTAL FOR ABUJA	402,665,150.28478,780,428.53	8,090,9,163,000.00	410,755,150.28487,943,428.53	-	410,755,150.28487,943,428.53	2,556,490,193.84825,594,424.77	-84%83%	352,502,010.362,548,069.86	17%35%
Cash Backed loan / Credit Card			-		-	22,436,217.9024,797,925.05	-100%		0%
Total Risk Assets & Cash-Backed Loan	402,665,150.28478,780,428.53	8,090,9,163,000.00	410,755,150.28487,943,428.53	-	410,755,150.28487,943,428.53	2,578,926,411.74850,392,349.82	-84%83%	352,502,010.362,548,069.86	17%35%
ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					PORT-HARCOURT BRANCH PERFORMANCE
	WEEK	3842		Ending				21-Sep-19-Oct-24
	BAL B/F	WEEK 3842	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	477,617,545,545,993.33	33,595,24,640,000.00	511,212,570,185,993.33	-	511,212,570,185,993.33	2,598,015,110.59871,490,385.38	-80%	398,629,410,509,596.08	28%39%
Consumer Leases	159,300.00		159,300.00		159,300.00	6,525,902.067,212,839.12	-98%		0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%	7,150,000.00	-100%
Sub-Total Port Harcourt	477,777,545,705,293.33	33,595,24,640,000.00	511,372,570,345,293.33	0	511,372,570,345,293.33	2,604,541,012.65878,703,224.51	-80.37%19%	405,779,417,659,596.08	26%37%
Corporate Leases			-		-	7,302,191.198,070,842.90	-100%		0%
Operating Leases			-		-	775,602,025.87857,244,344.39	-100%	336,000,250.00	-100%
Business Support Loan/ACL-Corporate			-		-	7,096,526.48843,529.27	-100%	15,400,000.00	-100%
Sub-Total B 2 B Leases	0	0	0	0	0	790,000,743.55873,158,716.56	-100.00%	351,400,250.00	-100%
							-		0%
B2C - Products	477,777,545,705,293.33	33,595,24,640,000.00	511,372,570,345,293.33	-	511,372,570,345,293.33	2,604,541,012.65878,703,224.51	-80%	405,779,417,659,596.08	26%37%
B2B - Products	-	-	-	-	-	790,000,743.55873,158,716.56	-100%	351,400,250.00	-100%
TOTAL FOR PORT HARCOURT	477,777,545,705,293.33	33,595,24,640,000.00	511,372,570,345,293.33	0	511,372,570,345,293.33	3,394,541,756.20751,861,941.06	-84.94%80%	757,179,769,059,846.08	-32%26%
							0%		0%
Cash Backed loan / Credit Card	50,000,000.00		50,000,000.00		50,000,000.00	73,719,001.6881,478,896.60	-32%39%	550,000.00	8991%
							0%		0%
Total Risk Assets & Cash-Backed Loan	527,777,595,705,293.33	33,595,24,640,000.00	561,372,620,345,293.33	0	561,372,620,345,293.33	3,468,260,757.88833,340,837.66	-83.81%82%	757,729,769,609,846.08	-26%19%
ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ANAMBRA BRANCH PERFORMANCE
	WEEK	WEEK 3842		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	31,417,33,062,000.00	740,900,000.00	32,157,33,962,000.00		32,157,33,962,000.00		0%	29,194,32,019,000.00	10%6%
Consumer Leases			-		-		0%		0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Port Harcourt	31,417,33,062,000.00	740,900,000.00	32,157,33,962,000.00	0	32,157,33,962,000.00	0	0.00%	29,194,32,019,000.00	10%6%
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	31,417,33,062,000.00	740,900,000.00	32,157,33,962,000.00	-	32,157,33,962,000.00	-	0%	29,194,32,019,000.00	10%6%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ANAMBRA	31,417,33,062,000.00	740,900,000.00	32,157,33,962,000.00	0	32,157,33,962,000.00	0	0.00%	29,194,32,019,000.00	10%6%
							0%		0%
Cash Backed loan / Credit Card							0%		0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	31,417,33,062,000.00	740,900,000.00	32,157,33,962,000.00	0	32,157,33,962,000.00	0	0.00%	29,194,32,019,000.00	10%6%
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	37,736,39,621,000.00	1,170,260,000.00	38,906,39,881,000.00		38,906,39,881,000.00		0%	29,280,685,000.00	33%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	37,736,000.00	1,170,000.00	38,906,000.00	0	38,906,000.00	0	0.00%	29,280,000.00	33%
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	37,736,000.00	1,170,000.00	38,906,000.00	-	38,906,000.00	-	0%	29,280,000.00	33%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR OYO	37,736,000.00	1,170,000.00	38,906,000.00	0	38,906,000.00	0	0.00%	29,280,000.00	33%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	37,736,000.00	1,170,000.00	38,906,000.00	0	38,906,000.00	0	0.00%	29,280,000.00	33%
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	7,930,000.00	1,300,000.00	9,230,000.00		9,230,000.00		0%	7,820,000.00	18%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	7,930,000.00	1,300,000.00	9,230,000.00	0	9,230,000.00	0	0.00%	7,820,000.00	18%
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	7,930,000.00	1,300,000.00	9,230,000.00	-	9,230,000.00	-	0%	7,820,000.00	18%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	7,930,000.00	1,300,000.00	9,230,000.00	0	9,230,000.00	0	0.00%	7,820,000.00	18%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	7,930,000.00	1,300,000.00	9,230,000.00	0	9,230,000.00	0	0.00%	7,820,000.00	18%
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	39,994,000.00	1,270,000.00	41,264,000.00		41,264,000.00		0%	2,040,000.00	1923%34%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	39,994,621,000.00	1,270,260,000.00	41,264,39,881,000.00	0	41,264,39,881,000.00	0	0.00%	2,040,29,685,000.00	1923%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	39,994,621,000.00	1,270,260,000.00	41,264,39,881,000.00	-	41,264,39,881,000.00	-	0%	2,040,29,685,000.00	1923%34%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDOOYO	39,994,621,000.00	1,270,260,000.00	41,264,39,881,000.00	0	41,264,39,881,000.00	0	0.00%	2,040,29,685,000.00	1923%34%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	39,994,621,000.00	1,270,260,000.00	41,264,39,881,000.00	0	41,264,39,881,000.00	0	0.00%	2,040,29,685,000.00	1923%34%
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	10,480,000.00	1,000,000.00	11,480,000.00		11,480,000.00		0%	8,120,000.00	41%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	10,480,000.00	1,000,000.00	11,480,000.00	0	11,480,000.00	0	0.00%	8,120,000.00	41%
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	10,480,000.00	1,000,000.00	11,480,000.00	-	11,480,000.00	-	0%	8,120,000.00	41%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	10,480,000.00	1,000,000.00	11,480,000.00	0	11,480,000.00	0	0.00%	8,120,000.00	41%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	10,480,000.00	1,000,000.00	11,480,000.00	0	11,480,000.00	0	0.00%	8,120,000.00	41%
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	45,739,000.00	450,000.00	46,189,000.00		46,189,000.00		0%	5,275,000.00	776%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	45,739,000.00	450,000.00	46,189,000.00	0	46,189,000.00	0	0.00%	5,275,000.00	776%
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	45,739,000.00	450,000.00	46,189,000.00	-	46,189,000.00	-	0%	5,275,000.00	776%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	45,739,000.00	450,000.00	46,189,000.00	0	46,189,000.00	0	0.00%	5,275,000.00	776%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	45,739,000.00	450,000.00	46,189,000.00	0	46,189,000.00	0	0.00%	5,275,000.00	776%
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	98,488,147,737,000.00	13,465,16,277,000.00	111,953,164,014,000.00		111,953,164,014,000.00		0%		0%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	98,488,147,737,000.00	13,465,16,277,000.00	111,953,164,014,000.00	0	111,953,164,014,000.00	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	98,488,147,737,000.00	13,465,16,277,000.00	111,953,164,014,000.00	-	111,953,164,014,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	98,488,147,737,000.00	13,465,16,277,000.00	111,953,164,014,000.00	0	111,953,164,014,000.00	0	0.00%	0	0%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	98,488,147,737,000.00	13,465,16,277,000.00	111,953,164,014,000.00	0	111,953,164,014,000.00	0	0.00%	0	0%

TREASURY MANAGEMENT REPORT

         

ROSABON FINANCIAL SERVICES	LIABILITY GENERATION REPORT
	WEEK	3842	Ending	21-Sep-19-Oct-24
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 2024 & 2023 (ACTUAL)
		2024	2024	2024	2024	2024	2023	2024
TENOR FUND	881,738,524.89987,733,106.29	97,440,31,610,000.00	142,775,131.74194,072,211.38	-45,335,131.74162,462,211.38	2,564,849,377.22834,833,522.19	836,403,393.15825,270,894.91	-1,202,696,301.33210,757,931.61	-1,728,445,984.072,009,562,627.28	-170%168%
R-WIN	7,450,242.9017,419,226.53	353,700.00	419,500.00	-65,2,927,800.00	54,571,263.35120,191.57	7,384,442.2,807,608.43	60,315,606.86	20,226,834.96	-4,241,411.57	-40,088,771.90	-4,763,320.83	-47,186,820.45	-255%577%
REAP PRODUCT	27,679,039.7434,057,585.96	370,2,215,000.00		370,000.00	109,142,526.69	28,049,039.446,667.74	6,667,358.171,768,332.26	120,631,213.71	35,825,918.22	10,681,042.70	-81,093,486.9584,805,295.49	321%235%
RBIP									-
TOTAL	916,867,807.531,039,209,918.78	98,163,700.36,752,800.00	143,194,631.74639,070.69	-45,030,931.74157,886,270.69	2,728,563,167.253,015,780,342.75	871,836,875.79881,323,648.09	-1,200,792,263.99204,318,300.48	-1,856,726,291.462,134,456,694.66	-173%
ABUJA
TENOR FUND	149,000,476.50166,792,230.79	1,000,000.00	877,705.309,451,872.37	-877,705.308,451,872.37	1,426,803,627.06576,993,482.54	148,122,771.20158,340,358.42	-25,019,377.6919,636,500.97	-1,278,680,855.86418,653,124.12	-692%906%
R-WIN	-			-	30,357,523.9833,553,052.82	-	-	-30,357,523.9833,553,052.82	-
REAP PRODUCT	-663,247.611,195,725.48			-	60,715,047.96	-663,247.6167,106,105.64	-1,019,195,725.48	-899,879.33	-61,378,295.5768,301,831.12	-35%33%
TOTAL	148,337,228.89165,596,505.31	1,000,000.00	9,451,872.37	-8,451,872.37	877,705.1,677,652,641.00	157,144,632.94	-20,536,380.30	-877,705.30	1,517,876,199.00	147,459,523.59520,508,008.06	-26,039,257.02	-1,370,416,675.41	-666%865%
OSUN
TENOR FUND	-		-	-		-		-	0%
R-WIN		-	-	-		-	-	-	0%
REAP PRODUCT		-	-	-		-	-	-	0%
TOTAL	-	-	-	-	-	-	-	-	0%
TOTAL	1,065,205,036.42204,806,424.09	98,163,700.37,752,800.00	144,072,337.04204,090,943.06	-45,908,637.04166,338,143.06	4,246,439,366.25693,432,983.75	1,019,296,399.38038,468,281.03	-1,226,831,521.01224,854,680.78	-	-183%185%
PORT-HARCOURT
			WEEK 3842
TENOR FUND	33,567,950.57	20,000,000.00	56,568,211.-36,634,634.64	-36,568,211.64109,695,657.54	4,696,528.92	104,999,128.62	1,670,266,150.73846,083,640.28	-3,000,261.0768,364,493.98	436,842,987.75396,274,758.82	-1,673,266,411.80777,719,146.30	-101%83%
R-WIN	-1,903,486.88	29,000.00		-29,000.00	35,537,577.6839,278,375.33	-1,903,874,486.88	775,000.00	-37,441,064.5641,152,862.21	-346%342%
REAP PRODUCT	2,704,714,959.55	50,000.00		50,30,000.00	71,075,155.3520,000.00	78,556,750.65	2,754,734,959.55	895,1,292,771.11	-68,320,195.8075,821,791.10	208%112%
	34,369,423.24-35,823,161.97	20,050,000.00109,774,657.54	56,568,211.644,726,528.92	-36,518,211.64105,048,128.62	1,776,878,883.75963,918,766.25	-2,148,788.4069,224,966.65	438,513,758.86398,342,529.93	-1,779,027,672.15894,693,799.60	-100%83%
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	1,064,306,951.96117,890,702.44	117,440,000.142,305,657.54	208,220,612.67	-65,914,955.13	6,257,910,645.00	200,221,048.681,051,975,747.31	-82,781,048.68	5,661,919,155.00	981,525,903.28834,119,673.76	-790,872,691.275,205,934,897.69	-4,680,393,251.72	-224%226%
R-WIN	5,546,756.0215,515,739.65	353,700.00	419,500.00	-65,2,956,800.00	120,466,365.191.57	2,836,608.43	133,147,035.00	5,480,956.0218,352,348.08	-3,988,320.83466,411.57	-114,985,408.98794,686.92	-237%629%
REAP PRODUCT	29,720,751.6835,576,820.03	420,2,265,000.00	-476,667.74	420,000.1,788,332.26	266,294,070.00	240,932,730.0037,365,152.29	30,140,751.68	6,543,249.9511,073,934.48	-210,791,978.32228,928,917.71	361%237%
RBIP	-				-	-			0%
	1,099,574,459.66168,983,262.12	118,213,700.147,527,457.54	208,817,471.98	-61,290,014.44	6,657,351,750.00	200,640,548.1,107,693,247.68	-82,426,848.68	6,023,318,250.00	1,017,147,610.98	-788,317,762.15826,512,150.85	-5,006,170,639.02549,658,502.32	-229%234%

MEETING ADJOURNMENT
Isismemen Ebhomen seconded by Faith Ozegbe adjourned the meeting