Week 49 12-02-2024
MANAGEMENT MEETING
Duration: 8:30 am - 12:37 pm
Venue: Virtual Via Google Meet
Presided by: Faith Ozegbe
ATTENDEES
ADEDOYIN ADEYEMI - Recovery
ADETAYO OLUKOGA - Asset Creation
ANTHONIA OGBU - Lead, Underwriting
CHUKWUMA OKONJI - Telesales
EMMANUEL DOE - Transformation
EMMANUEL ONAKOYA - Lead, CRM
EZINNE UMORZURIKE - Lead, Legal
GODFREY EGBUOKPORO - Lead, Communications
FAITH OZEGBE - Acting Secretary
ITIEKHAO IKPEMINOGENA - General Manager
LAWRENCE DUKONI - Internal Operations
LINDA OTTAH-IJEKEYE - Brokers Admin
LOLO YOUNG-HARRY - Sales
MERCEDES IFON - Lead, HR Strategy
OLUSEGUN AKEJU - Lead Data Science Unit/Loan Portfolio Unit
OLUWOLE EWEJOBI - Head, Information Technology
OMOWALE BELLO - Cooperate Lease
OWOICHO AGADA - Human Resources
PETER OJUKWU - Asset Remedial Management
RALPH BRAYILLA - Head, Business Operations
SAMUEL UKOR - Brokers
SOPHIA DAGI - Deputy National Channel Manager
Owoicho Agada said the opening prayer
MINUTE ADOPTION
Isimemen Ebhomien seconded by Faith Ozegbe
ORDER OF PRESENTATION
Client Experience, Telesales, Asset Creation, Corporate Lease, Port Harcourt, Wealth Management, Credit Risk Management, Product Development, Business Operations, Transformation, Legal, Software, Information Technology, and Internal Operations.
ACTIVITY REPORT (25th – 29th November, 2024)
Account Team Report
shows the risk asset and liability generation for the period in review and YTD
Tele-sales Team Report
The total amount consummated by the team for the week in review is 32M with the core telesales and customer retention team consummating 4.3M (43% of the week’s target) at 2 counts and 27.7M (146% of the week’s target) at 2 counts respectively.
Asset Creation report
For the period in review, The total consummated by all sales channels is 179M
Wealth Management Global Report
The week in review shows total netflow as -5.3M
Brokers Admin Team Report
The week in review shows liability generation is 4.5% (2.6M) of the budget. Risk Asset Transaction Disbursed for the week Nil, Fresh Fund (RTN) for the Week 2M, Reap Fund for the week 450K, RWIN 20,000, Rollover for the week Nil, Liquidation for the week 1M. 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).
Port-Harcourt Branch Report
shows the activities for the period in review.
Abuja Branch Report
shows the activities for the period in review.
Wealth Management Team Report
For the week in review Executive summary shows the Liquidity Requirement status as BAD (38%).
Credit Risk Management Report
The report show in the recovery space, the total recovery is 12.6M (32.75%) broken down as PDO is 8M (32.30% of the target). Extended interest recovery as 2.1M (39.44% of the target), Provisioned Accounts recovery as 2.5M at 17 counts (41.6% of the target).
Business Operations 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.
Software Team Report
Captures the activities carried out during the period of review
Information & Technology Team Report
Captures ongoing and completed projects.
Internal Operations Team Report
Captures the activities for the period in review
RISK ASSET GENERATION REPORT
| ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT | LAGOS BRANCH PERFORMANCE | ||||||||
| WEEK | 48 | Ending | 30-Nov-24 | ||||||
| BAL B/F | WEEK 48 | 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 | 2,278,122,048.19 | 131,112,000.00 | 2,409,234,048.19 | - | 2,409,234,048.19 | 4,234,455,867.86 | -43% | 1,453,609,016.84 | 66% |
| Consumer Leases | 1,709,520.00 | 1,709,520.00 | 1,709,520.00 | 18,135,138.36 | -91% | 4,533,941.97 | -62% | ||
| Asset Cash Loan | - | - | 0% | ||||||
| SPBS | - | - | 31,408,900.00 | -100% | |||||
| Sub-Total | 2,279,831,568.19 | 131,112,000.00 | 2,410,943,568.19 | - | 2,410,943,568.19 | 4,252,591,006.22 | -43.31% | 1,489,551,858.81 | 62% |
| Corporate Leases | 92,125,000.00 | 92,125,000.00 | 92,125,000.00 | 32,283,371.59 | 0% | 0% | |||
| Operating Leases | - | - | - | 918,476,083.27 | 0% | 55000000 | -100% | ||
| Business Support Loan/ACL-Corporate | 34,000,000.00 | 34,000,000.00 | 34,000,000.00 | 9,435,824.69 | 0% | 20000000 | 70% | ||
| Sub-Total | 126,125,000.00 | - | 126,125,000.00 | - | 126,125,000.00 | 960,195,279.55 | -86.86% | 75,000,000.00 | 68% |
| B2C - Products | 2,279,831,568.19 | 131,112,000.00 | 2,410,943,568.19 | - | 2,410,943,568.19 | 4,252,591,006.22 | -43% | 1,489,551,858.81 | 62% |
| B2B - Products | 126,125,000.00 | - | 126,125,000.00 | - | 126,125,000.00 | 960,195,279.55 | -87% | 75,000,000.00 | 68% |
| TOTAL FOR LAGOS | 2,405,956,568.19 | 131,112,000.00 | 2,537,068,568.19 | - | 2,537,068,568.19 | 5,212,786,285.77 | -51.33% | 1,564,551,858.81 | 62% |
| Cash Backed loan / Credit Card | 89,175,359.81 | 7,500,000.00 | 96,675,359.81 | 96,675,359.81 | 283,404,857.72 | -66% | 22,100,000.00 | 337% | |
| Total Risk Assets & Cash-Backed Loan | 2,495,131,928.00 | 138,612,000.00 | 2,633,743,928.00 | - | 2,633,743,928.00 | 5,496,191,143.50 | -52.08% | 1,586,651,858.81 | 66% |
| ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT | ABUJA BRANCH PERFORMANCE | ||||||||
| WEEK | 48 | Ending | 30-Nov-24 | ||||||
| BAL B/F | WEEK 48 | 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 | 551,416,428.53 | 4,185,000.00 | 555,601,428.53 | - | 555,601,428.53 | 3,069,980,504.20 | -82% | 372,533,069.86 | 49% |
| Consumer Leases | - | - | 6,594,595.76 | -100% | 0% | ||||
| Asset Cash Loan | - | - | 0% | 0% | |||||
| SPBS | - | - | 0% | 0% | |||||
| Sub-Total Abuja | 551,416,428.53 | 4,185,000.00 | 555,601,428.53 | - | 555,601,428.53 | 3,076,575,099.96 | -82% | 372,533,069.86 | 49% |
| Corporate Lease | 66,600,000.00 | 66,600,000.00 | 66,600,000.00 | 4,611,910.23 | 1344% | 0% | |||
| Operating Leases | - | - | 142,874,057.40 | -100% | 0% | ||||
| Business Support Loan/ACL-Corporate | - | - | 5,189,703.57 | -100% | 0% | ||||
| Sub-Total B 2 B Leases | 66,600,000.00 | - | 66,600,000.00 | - | 66,600,000.00 | 152,675,671.20 | -56% | - | 0% |
| - | |||||||||
| B2C - Products | 551,416,428.53 | 4,185,000.00 | 555,601,428.53 | - | 555,601,428.53 | 3,076,575,099.96 | -82% | 372,533,069.86 | 49% |
| B2B - Products | 66,600,000.00 | - | 66,600,000.00 | - | 66,600,000.00 | 152,675,671.20 | -56% | - | 0% |
| TOTAL FOR ABUJA | 618,016,428.53 | 4,185,000.00 | 622,201,428.53 | - | 622,201,428.53 | 3,229,250,771.16 | -81% | 372,533,069.86 | 67% |
| Cash Backed loan / Credit Card | - | - | 28,340,485.77 | -100% | 0% | ||||
| Total Risk Assets & Cash-Backed Loan | 618,016,428.53 | 4,185,000.00 | 622,201,428.53 | - | 622,201,428.53 | 3,257,591,256.93 | -81% | 372,533,069.86 | 67% |
| ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT | PORT-HARCOURT BRANCH PERFORMANCE | ||||||||
| WEEK | 48 | Ending | 30-Nov-24 | ||||||
| BAL B/F | WEEK 48 | 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 | 625,445,993.33 | 12,510,000.00 | 637,955,993.33 | - | 637,955,993.33 | 3,281,703,297.58 | -81% | 414,741,596.08 | 54% |
| Consumer Leases | 159,300.00 | 159,300.00 | 159,300.00 | 8,243,244.71 | -98% | 0% | |||
| Asset Cash Loan | - | - | 0% | 0% | |||||
| SPBS | - | - | 0% | 7,150,000.00 | -100% | ||||
| Sub-Total Port Harcourt | 625,605,293.33 | 12,510,000.00 | 638,115,293.33 | 0 | 638,115,293.33 | 3,289,946,542.29 | -80.60% | 421,891,596.08 | 51% |
| Corporate Leases | - | - | 9,223,820.46 | -100% | 0% | ||||
| Operating Leases | - | - | 979,707,822.16 | -100% | 336,000,250.00 | -100% | |||
| Business Support Loan/ACL-Corporate | - | - | 8,964,033.45 | -100% | 15,400,000.00 | -100% | |||
| Sub-Total B 2 B Leases | 0 | 0 | 0 | 0 | 0 | 997,895,676.06 | -100.00% | 351,400,250.00 | -100% |
| - | 0% | ||||||||
| B2C - Products | 625,605,293.33 | 12,510,000.00 | 638,115,293.33 | - | 638,115,293.33 | 3,289,946,542.29 | -81% | 421,891,596.08 | 51% |
| B2B - Products | - | - | - | - | - | 997,895,676.06 | -100% | 351,400,250.00 | -100% |
| TOTAL FOR PORT HARCOURT | 625,605,293.33 | 12,510,000.00 | 638,115,293.33 | 0 | 638,115,293.33 | 4,287,842,218.36 | -85.12% | 773,291,846.08 | -17% |
| 0% | 0% | ||||||||
| Cash Backed loan / Credit Card | 50,000,000.00 | 50,000,000.00 | 50,000,000.00 | 93,118,738.97 | -46% | 550,000.00 | 8991% | ||
| 0% | 0% | ||||||||
| Total Risk Assets & Cash-Backed Loan | 675,605,293.33 | 12,510,000.00 | 688,115,293.33 | 0 | 688,115,293.33 | 4,380,960,957.32 | -84.29% | 773,841,846.08 | -11% |
| ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT | ANAMBRA BRANCH PERFORMANCE | ||||||||
| WEEK | WEEK 48 | 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 | 34,942,000.00 | 2,082,000.00 | 37,024,000.00 | 37,024,000.00 | 0% | 33,594,000.00 | 10% | ||
| Consumer Leases | - | - | 0% | 0% | |||||
| Asset Cash Loan | - | - | 0% | 0% | |||||
| SPBS | - | - | 0% | 0% | |||||
| Sub-Total Port Harcourt | 34,942,000.00 | 2,082,000.00 | 37,024,000.00 | 0 | 37,024,000.00 | 0 | 0.00% | 33,594,000.00 | 10% |
| 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 | 34,942,000.00 | 2,082,000.00 | 37,024,000.00 | - | 37,024,000.00 | - | 0% | 33,594,000.00 | 10% |
| B2B - Products | - | - | - | - | - | - | 0% | - | 0% |
| TOTAL FOR ANAMBRA | 34,942,000.00 | 2,082,000.00 | 37,024,000.00 | 0 | 37,024,000.00 | 0 | 0.00% | 33,594,000.00 | 10% |
| 0% | 0% | ||||||||
| Cash Backed loan / Credit Card | 0% | 0% | |||||||
| 0% | 0% | ||||||||
| Total Risk Assets & Cash-Backed Loan | 34,942,000.00 | 2,082,000.00 | 37,024,000.00 | 0 | 37,024,000.00 | 0 | 0.00% | 33,594,000.00 | 10% |
| 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 | 40,310,000.00 | 40,310,000.00 | 40,310,000.00 | 0% | 30,825,000.00 | 31% | |||
| Consumer Leases | - | 0% | 0% | ||||||
| Asset Cash Loan | - | 0% | 0% | ||||||
| SPBS | - | 0% | 0% | ||||||
| Sub-Total Port Harcourt | 40,310,000.00 | 0 | 40,310,000.00 | 0 | 40,310,000.00 | 0 | 0.00% | 30,825,000.00 | 31% |
| 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 | 40,310,000.00 | - | 40,310,000.00 | - | 40,310,000.00 | - | 0% | 30,825,000.00 | 31% |
| B2B - Products | - | - | - | - | - | - | 0% | - | 0% |
| TOTAL FOR OYO | 40,310,000.00 | 0 | 40,310,000.00 | 0 | 40,310,000.00 | 0 | 0.00% | 30,825,000.00 | 31% |
| 0% | 0% | ||||||||
| Cash Backed loan / Credit Card | 0% | 0 | 0% | ||||||
| 0% | 0% | ||||||||
| Total Risk Assets & Cash-Backed Loan | 40,310,000.00 | 0 | 40,310,000.00 | 0 | 40,310,000.00 | 0 | 0.00% | 30,825,000.00 | 31% |
| 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 | 12,130,000.00 | 486,000.00 | 12,616,000.00 | 12,616,000.00 | 0% | 8,120,000.00 | 55% | ||
| Consumer Leases | - | 0% | 0% | ||||||
| Asset Cash Loan | - | 0% | 0% | ||||||
| SPBS | - | 0% | 0% | ||||||
| Sub-Total Port Harcourt | 12,130,000.00 | 486,000.00 | 12,616,000.00 | 0 | 12,616,000.00 | 0 | 0.00% | 8,120,000.00 | 55% |
| 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 | 12,130,000.00 | 486,000.00 | 12,616,000.00 | - | 12,616,000.00 | - | 0% | 8,120,000.00 | 55% |
| B2B - Products | - | - | - | - | - | - | 0% | - | 0% |
| TOTAL FOR ONDO | 12,130,000.00 | 486,000.00 | 12,616,000.00 | 0 | 12,616,000.00 | 0 | 0.00% | 8,120,000.00 | 55% |
| 0% | 0% | ||||||||
| Cash Backed loan / Credit Card | 0% | 0 | 0% | ||||||
| 0% | 0% | ||||||||
| Total Risk Assets & Cash-Backed Loan | 12,130,000.00 | 486,000.00 | 12,616,000.00 | 0 | 12,616,000.00 | 0 | 0.00% | 8,120,000.00 | 55% |
| 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 | 48,934,000.00 | 2,250,000.00 | 51,184,000.00 | 51,184,000.00 | 0% | 5,275,000.00 | 870% | ||
| Consumer Leases | - | 0% | 0% | ||||||
| Asset Cash Loan | - | 0% | 0% | ||||||
| SPBS | - | 0% | 0% | ||||||
| Sub-Total Port Harcourt | 48,934,000.00 | 2,250,000.00 | 51,184,000.00 | 0 | 51,184,000.00 | 0 | 0.00% | 5,275,000.00 | 870% |
| 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 | 48,934,000.00 | 2,250,000.00 | 51,184,000.00 | - | 51,184,000.00 | - | 0% | 5,275,000.00 | 870% |
| B2B - Products | - | - | - | - | - | - | 0% | - | 0% |
| TOTAL FOR ONDO | 48,934,000.00 | 2,250,000.00 | 51,184,000.00 | 0 | 51,184,000.00 | 0 | 0.00% | 5,275,000.00 | 870% |
| 0% | 0% | ||||||||
| Cash Backed loan / Credit Card | 0% | 0 | 0% | ||||||
| 0% | 0% | ||||||||
| Total Risk Assets & Cash-Backed Loan | 48,934,000.00 | 2,250,000.00 | 51,184,000.00 | 0 | 51,184,000.00 | 0 | 0.00% | 5,275,000.00 | 870% |
| 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 | 215,617,000.00 | 20,530,000.00 | 236,147,000.00 | 236,147,000.00 | 0% | 0% | |||
| Consumer Leases | - | 0% | 0% | ||||||
| Asset Cash Loan | - | 0% | 0% | ||||||
| SPBS | - | 0% | 0% | ||||||
| Sub-Total Port Harcourt | 215,617,000.00 | 20,530,000.00 | 236,147,000.00 | 0 | 236,147,000.00 | 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 | 215,617,000.00 | 20,530,000.00 | 236,147,000.00 | - | 236,147,000.00 | - | 0% | - | 0% |
| B2B - Products | - | - | - | - | - | - | 0% | - | 0% |
| TOTAL FOR ONDO | 215,617,000.00 | 20,530,000.00 | 236,147,000.00 | 0 | 236,147,000.00 | 0 | 0.00% | 0 | 0% |
| 0% | 0% | ||||||||
| Cash Backed loan / Credit Card | 0% | 0 | 0% | ||||||
| 0% | 0% | ||||||||
| Total Risk Assets & Cash-Backed Loan | 215,617,000.00 | 20,530,000.00 | 236,147,000.00 | 0 | 236,147,000.00 | 0 | 0.00% | 0 | 0% |
| ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT | CROSS RIVERBRANCH 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 | 14,115,000.00 | 5,315,000.00 | 19,430,000.00 | 19,430,000.00 | 0% | 0% | |||
| Consumer Leases | - | 0% | 0% | ||||||
| Asset Cash Loan | - | 0% | 0% | ||||||
| SPBS | - | 0% | 0% | ||||||
| Sub-Total Port Harcourt | 14,115,000.00 | 5,315,000.00 | 19,430,000.00 | 0 | 19,430,000.00 | 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 | 14,115,000.00 | 5,315,000.00 | 19,430,000.00 | - | 19,430,000.00 | - | 0% | - | 0% |
| B2B - Products | - | - | - | - | - | - | 0% | - | 0% |
| TOTAL FOR ONDO | 14,115,000.00 | 5,315,000.00 | 19,430,000.00 | 0 | 19,430,000.00 | 0 | 0.00% | 0 | 0% |
| 0% | 0% | ||||||||
| Cash Backed loan / Credit Card | 0% | 0 | 0% | ||||||
| 0% | 0% | ||||||||
| Total Risk Assets & Cash-Backed Loan | 14,115,000.00 | 5,315,000.00 | 19,430,000.00 | 0 | 19,430,000.00 | 0 | 0.00% | 0 | 0% |
| ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT | BENUE 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 | 3,940,000.00 | 620,000.00 | 4,560,000.00 | 4,560,000.00 | 0% | 0% | |||
| Consumer Leases | - | 0% | 0% | ||||||
| Asset Cash Loan | - | 0% | 0% | ||||||
| SPBS | - | 0% | 0% | ||||||
| Sub-Total Port Harcourt | 3,940,000.00 | 620,000.00 | 4,560,000.00 | 0 | 4,560,000.00 | 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 | 3,940,000.00 | 620,000.00 | 4,560,000.00 | - | 4,560,000.00 | - | 0% | - | 0% |
| B2B - Products | - | - | - | - | - | - | 0% | - | 0% |
| TOTAL FOR ONDO | 3,940,000.00 | 620,000.00 | 4,560,000.00 | 0 | 4,560,000.00 | 0 | 0.00% | 0 | 0% |
| 0% | 0% | ||||||||
| Cash Backed loan / Credit Card | 0% | 0 | 0% | ||||||
| 0% | 0% | ||||||||
| Total Risk Assets & Cash-Backed Loan | 3,940,000.00 | 620,000.00 | 4,560,000.00 | 0 | 4,560,000.00 | 0 | 0.00% | 0 | 0% |
WEALTH MANAGEMENT REPORT
| ROSABON FINANCIAL SERVICES | LIABILITY GENERATION REPORT | ||||||||
| WEEK | 48 | Ending | 30-Nov-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 | 421,628,239.81 | 23,535,100.00 | 28,642,457.21 | -5,107,357.21 | 3,239,809,739.64 | 416,520,882.60 | -1,348,607,676.37 | -2,823,288,857.04 | -131% |
| R-WIN | 14,678,801.65 | 2,520,000.00 | 90,000.00 | 2,430,000.00 | 68,932,122.12 | 17,108,801.65 | -11,054,691.99 | -51,823,320.47 | -255% |
| REAP PRODUCT | 43,583,240.48 | 560,000.00 | 560,000.00 | 137,864,244.24 | 44,143,240.48 | 12,746,813.96 | -93,721,003.76 | 246% | |
| RBIP | - | ||||||||
| TOTAL | 479,890,281.94 | 26,615,100.00 | 28,732,457.21 | -2,117,357.21 | 3,446,606,106.00 | 477,772,924.73 | -1,346,915,554.40 | -2,968,833,181.27 | -135% |
| ABUJA | |||||||||
| TENOR FUND | 197,914,444.42 | 276,102.21 | -276,102.21 | 1,802,278,265.76 | 197,638,342.21 | -3,886,500.97 | -1,604,639,923.55 | -5185% | |
| R-WIN | - | - | 38,346,346.08 | - | - | -38,346,346.08 | - | ||
| REAP PRODUCT | -6,026,490.51 | - | 76,692,692.16 | -6,026,490.51 | -629,879.33 | -82,719,182.67 | 857% | ||
| TOTAL | 191,887,953.91 | - | 276,102.21 | -276,102.21 | 1,917,317,304.00 | 191,611,851.70 | -4,516,380.30 | -1,725,705,452.30 | -4343% |
| OSUN | |||||||||
| TENOR FUND | - | - | - | - | - | 0% | |||
| R-WIN | - | - | - | - | - | - | 0% | ||
| REAP PRODUCT | - | - | - | - | - | - | 0% | ||
| TOTAL | - | - | - | - | - | - | - | - | 0% |
| TOTAL | 671,778,235.85 | 26,615,100.00 | 29,008,559.42 | -2,393,459.42 | 5,363,923,410.00 | 669,384,776.43 | -1,351,431,934.70 | - | -150% |
| PORT-HARCOURT | |||||||||
| WEEK 48 | |||||||||
| TENOR FUND | -107,279,932.73 | 86,150,000.00 | 89,515,026.80 | -3,365,026.80 | 2,109,809,874.60 | -110,644,959.53 | 707,442,714.76 | -2,220,454,834.13 | -116% |
| R-WIN | -1,364,486.88 | 60,000.00 | 60,000.00 | 44,889,571.80 | -1,304,486.88 | 3,575,000.00 | -46,194,058.68 | -136% | |
| REAP PRODUCT | 3,073,567.70 | 380,000.00 | 380,000.00 | 89,779,143.60 | 3,453,567.70 | 3,165,888.64 | -86,325,575.90 | 9% | |
| -105,570,851.91 | 86,590,000.00 | 89,515,026.80 | -2,925,026.80 | 2,244,478,590.00 | -108,495,878.71 | 714,183,603.40 | -2,352,974,468.71 | -115% | |
| 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 | 512,262,751.50 | 109,685,100.00 | 118,433,586.22 | -8,748,486.22 | 7,151,897,880.00 | 503,514,265.28 | -645,051,462.58 | -6,648,383,614.72 | -178% |
| R-WIN | 13,314,314.77 | 2,580,000.00 | 90,000.00 | 2,490,000.00 | 152,168,040.00 | 15,804,314.77 | -7,479,691.99 | -136,363,725.23 | -311% |
| REAP PRODUCT | 40,630,317.67 | 940,000.00 | - | 940,000.00 | 304,336,080.00 | 41,570,317.67 | 15,282,823.27 | -262,765,762.33 | 172% |
| RBIP | - | - | - | 0% | |||||
| 566,207,383.94 | 113,205,100.00 | 118,523,586.22 | -5,318,486.22 | 7,608,402,000.00 | 560,888,897.72 | -637,248,331.30 | -7,047,513,102.28 | -188% |
MEETING ADJOURNMENT
Lawrence Dukoni seconded by Sophia Dagi adjourned the meeting
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