Week 2 01-05-25

MANAGEMENT MEETING
Duration: 8:30 am - 12:37 pm
Venue: Virtual Via Google Meet
Presided by: Faith Ozegbe

ATTENDEES

ABDULLAHI NAJIMUDEEN       - Lead, Internal Operations

ADEDOYINABDULLAAH ADEYEMIODUNMBAKU    -  RecoveryPortfolio Risk Analyst
ADETAYO OLUKOGA                 -  Asset Creation
ANTHONIA OGBU                    - Lead, Underwriting
CHIEMERIE CHINEDU               - Marketing Communications
CHIMA AGU                              - Ag, Lead Client Experience Management
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
MERCY UMA                                - Profit Center Head, Port Harcourt
NWANNE IKEJI                            - Sales
OLUSEGUN AKEJU                      -  Lead Data Science Unit/Loan Portfolio Unit
OLUWADAMILARE OLAYINKA     - Lead, Transformation
OLUWOLE EWEJOBI                     -  Head, Information Technology
OMOWALE BELLO                        -  Cooperate Lease
OMOWASINUOLA IJASANMI       - Product Manager
OWOICHO AGADA                       - Human Resources 
PETER OJUKWU                           - Asset Remedial Management
RALPH BRAYILLA                         - Head, Business Operations
SAMUEL UKOR                             - Brokers
SAMUEL OTTAH  AMOS                          - ProductInformation ManagerTechnology Support
SOPHIA DAGI                             -  Deputy National Channel Manager
USIWOMASUNDAY IGBIKALU                            - Wealth ManagementBrokers

Faith Ozegbe said the opening prayer 

MINUTE ADOPTION
Sophia Dagi 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, Information Technology, and Internal Operations.

ACTIVITY REPORT (28th October – 1st November, 2024)

Client Experience Management Team Report
For the period in review, 242 inquiries were recorded: Lagos: 86.63%, Port Harcourt: 5.17%, Abuja: 8.19%. The complaint breakdown: Wrong debit @ 69.23%, Credit Update @15.38%, Disbursement @11.54%, Double debit @3.83%. 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 6.7M  with the core telesales and customer retention team consummating 840K (8% of the week’s target) at 2 counts and 5.9M (31% of the week’s target) at 3 counts respectively.

 Asset Creation report
For the period in review, Transactions disbursed are 143.2M. The total consummated by all sales channels is 178M

Brokers Admin Team Report
The week in review shows liability generation is 4.9% (2.8M) of the budget. Risk Asset Transaction Disbursed for the week Nil, Fresh Fund (RTN) for the Week Nil, Reap Fund for the week 500K, Rollover for the week 2M, Liquidation for the week 4.2M. 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 shows Core underwriters approved 139 transactions and pushed back 57 transactions. The senior underwriters approved 201 transactions and pushed back 18. 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).

Product Development Team Report
Captures ongoing and completed projects.

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.

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

GENERATIONREPORT     Corporate Credit   B2B  

ROSABONB FINANCIAL2 SERVICES LTD-C RISK ASSETASSETS	WEEK	1	Ending		4-Jan-2025
LAGOS	BAL B/F	WEEK 1	CUMULATIVE 2025 BUDGET	PERFORMANCE YEAR TO DATE 2025	PERFORMANCE YEAR TO DATE 2024	BUDGET VARIANCE YEAR TO DATE 2024	% CHANGE BETWEEN 2024 & 2025	BUDGET PERFORMANCE RATE
				LAGOS BRANCH PERFORMANCE
	WEEK28-Dec-2024	442025	2025	Ending2025	2024	2024	2025 Vs 2024	2024
B2C				02-Nov-24
	BAL B/F	WEEK 44	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
Personal Loan / Public Sector Employee Loan / Group Loan	-	78,580,000.00	88,217,830.58	78,580,000.00	830,000.00	(9,637,830.58)	9367%	89%
Cash Backed loan / Credit Card	-		5,904,267.87	-	0.00	(5,904,267.87)	0%	0%
Consumer Leases	-		377,815.38	-	0.00	(377,815.38)	0%	0%
Asset Cash Loan	-			-	0.00		0%
SPBS	-			-	0.00		0%
Sub-Total	-	78,580,000.00	94,499,913.83	78,580,000.00	830,000.00	(15,919,913.83)	9367%	83%
		2024	2024	2024	2024	2024	2024	2023	2024 Vs 2023
PRODUCTSABUJA					4-Jan-2025
Personal Loan / Public Sector Employee Loan / Group Loan	2,126,795,048.19-	80,570,215,000.00	2,207,365,048.1963,957,927.17	215,000.00	463,000.00	(63,742,927.17)	224%	2%
Cash Backed loan / Credit Card	-	2,207,365,048.19	3,881,584,545.54590,426.79	-43%	1,436,162,016.84-	54%(590,426.79)	0%	0%
Consumer Leases	1,709,520.00-		1,709,520.00 137,387.41	-	-	(137,387.41)	1,709,520.000%	16,623,876.83	-90%	4,533,941.97	-62%0%
Asset Cash Loan	-			-	-		0%
SPBS	-			-	-		0%
Sub-Total Abuja	-	215,000.00	64,685,741.37	215,000.00	463,000.00	(64,470,741.37)	-54%	0%
SPBS
ANAMBRA					4-Jan-2025			-
Personal Loan / Public Sector Employee Loan / Group Loan	-			-	150,000.00		-100%
Cash Backed loan / Credit Card	-			-	31,408,900.00-		0%
Consumer Leases	-100%			-	-		0%
Asset Cash Loan	-			-	-
SPBS	-			-	-
				-	-
Sub-Total	2,128,504,568.19	80,570,000.00	2,209,074,568.19ANAMBRA	-	2,209,074,568.19	3,898,208,422.37-	-43.33%	-	150,000.00	-	52430%
SUB -TOTAL B 2 C GLOBAL	-	78,795,000.00	159,185,655.20	78,795,000.00	1,472,104,858.81443,000.00	50%(80,390,655.20)	-100%	0%
B 2 B LEASE RISK ASSETS
RISK ASSET GENERATION REPORT		1	Ending	4-Jan-2025
LAGOS	BAL B/F	WEEK 1	CUMULATIVE 2025 BUDGET	PERFORMANCE YEAR TO DATE 2025	PERFORMANCE YEAR TO DATE 2024	BUDGET VARIANCE YEAR TO DATE 2024	% CHANGE BETWEEN 2024 & 2025	BUDGET PERFORMANCE RATE
Corporate Leases	92,125,000.00-		92,125,000.00672,570.24	-	92,125,000.00-	29,593,090.63(672,570.24)	0%		0%
Operating Leases	-		-	19,134,918.40	-	841,936,409.67-	(19,134,918.40)	0%	55000000	-100%0%
Business Support Loan/ACL-Corporate	34,000,000.00-		34,000,000.00196,579.68	-	34,000,000.00-	8,649,505.96(196,579.68)	0%	20000000	70%0%
Sub-Total	126,125,000.00B 2 B Leases	-	126,125,000.00-	20,004,068.32	-	126,125,000.00-	880,179,006.26(20,004,068.32)	-85.67%	75,000,000.00	68%0%
ABUJA
Corporate Lease	-		96,081.46	-		(96,081.46)	0%	0%
Operating Leases	-		2,976,542.86	-		(2,976,542.86)	0%	0%
Business Support Loan/ACL-Corporate	-		108,118.82	-
Sub-Total B 2 B Leases	-	-	3,180,743.15	-	-	(3,180,743.15)	0%	0%
TOTAL B 2 B Global	-	-	23,184,811.47	-	-	(23,184,811.47)	0%	0%
TOTAL RISK ASSETS (LAGOS) & ANNEX	0.00	78,795,000.00	182,370,466.68	78,795,000.00	1,443,000.00	(103,575,466.68)	5360%	43%
		1	Ending		4-Jan-2025
PORT HARCOURT	BAL B/F	WEEK 1	CUMULATIVE 2025 BUDGET	PERFORMANCE YEAR TO DATE 2025	PERFORMANCE YEAR TO DATE 2024	BUDGET VARIANCE YEAR TO DATE 2024	% CHANGE BETWEEN 2024 & 2025	BUDGET PERFORMANCE RATE
B2C - Products	2,128,504,568.19	80,570,000.00	2,209,074,568.19	-	2,209,074,568.19	3,898,208,422.37	-43%	1,472,104,858.81	50%
B2B - Products	126,125,000.00	-	126,125,000.00	-	126,125,000.00	880,179,006.26	-86%	75,000,000.00	68%
TOTAL FOR LAGOS	2,254,629,568.19	80,570,000.00	2,335,199,568.19	-	2,335,199,568.19	4,778,387,428.62	-51.13%	1,547,104,858.81	51%
Cash Backed loan / Credit Card	83,675,359.81		83,675,359.81		83,675,359.81	259,787,786.25	-68%	19,600,000.00	327%
Total Risk Assets & Cash-Backed Loan	2,338,304,928.00	80,570,000.00	2,418,874,928.00	-	2,418,874,928.00	5,038,175,214.87	-51.99%	1,566,704,858.81	54%
ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ABUJA BRANCH PERFORMANCE
	WEEK	44		Ending				02-Nov-24
	BAL B/F	WEEK 44	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	501,288,428.53-	31,274,1,500,000.00	532,562,428.5368,368,818.70	1,500,000.00	3,120,000.00	(66,868,818.70)	0%
Cash Backed loan / Credit Card	-	532,562,428.53	2,814,148,795.511,939,973.73	-81%	368,448,069.86	45%(1,939,973.73)	0%	0%
Consumer Leases	-		171,734.26	-		- (171,734.26)	6,045,046.12	-100%	0%	0%
Asset Cash Loan	-			-			0%
SPBS	-			-			0%
Sub-Total	-	1,500,000.00	70,480,526.69	1,500,000.00	3,120,000.00	(68,980,526.69)	-52%	2%
B2B
Business Support Loan/ACL-Corporate	-		186,750.70	-	-	(186,750.70)	0%	0%
SPBS		Leases	-		-	0%	0%
Sub-Total Abuja	501,288,428.53	31,274,000.00	532,562,428.53	-	532,562,428.53	2,820,193,841.63	-81%	368,448,069.86	45%
Corporate Lease		192,162.93	-		-(192,162.93)	4,227,584.38	-100%	0%	0%
Operating Leases			-		-	130,967,885.95	-100%		0%
Business Support Loan/ACL-Corporate		20,410,579.63	-		-	4,757,228.27(20,410,579.63)	-100%	0%	0%
Sub-Total B 2 B Leases	-	-	-20,789,493.25	-	-	139,952,698.60	-100%	-(20,789,493.25)	0%
					-
B2C - Products	501,288,428.53	31,274,000.00	532,562,428.53	-	532,562,428.53	2,820,193,841.63	-81%	368,448,069.86	45%
B2B - Products	-	-	-	-	-	139,952,698.60	-100%	-	0%
TOTAL FORB ABUJA2 B Global	501,288,428.530.00	31,274,3,000,000.00	532,562,428.5391,270,019.94	-3,000,000.00	532,562,428.536,240,000.00	2,960,146,540.23#REF!	-82%#REF!	368,448,069.86	45%3%
CashRISK BackedASSET loanGENERATION /REPORT	Card	1	Ending		4-Jan-2025			-
OYO	BAL B/F	-WEEK 1	25,978,778.62CUMULATIVE 2025 BUDGET	-100%PERFORMANCE YEAR TO DATE 2025	PERFORMANCE YEAR TO DATE 2024	0%BUDGET VARIANCE YEAR TO DATE 2024	% CHANGE BETWEEN 2024 & 2025	BUDGET PERFORMANCE RATE
Total Risk Assets & Cash-Backed Loan	501,288,428.53	31,274,000.00	532,562,428.53	-	532,562,428.53	2,986,125,318.85	-82%	368,448,069.86	45%
ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					PORT-HARCOURT BRANCH PERFORMANCE
	WEEK	44		Ending				02-Nov-24
	BAL B/F	WEEK 44	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	B2C
Personal Loan / Public Sector Employee Loan / Group Loan	578,250,993.33-	19,820,000.00	598,070,993.33	-	598,070,993.33	3,008,228,022.78-	-80%	411,209,596.080%	45%
Cash Backed loan / Credit Card	-					-	0%
	-
Consumer Leases	159,300.00-		159,300.00		159,300.00	7,556,307.65	-98%	0%		0%
Asset Cash Loan	-							0%
SPBS	-							0%
Sub-Total	-	-	-	-	-	-
B2B
Business Support Loan/ACL-Corporate	-					-	0%	0%
Corporate Leases	-					-	0%	0%
Operating Leases	-			-	-	-	0%	0%
	0.00	0.00	0.00	0.00	0.00	0.00
RISK ASSET GENERATION REPORT		1	Ending		4-Jan-2025
ONDO	BAL B/F	WEEK 1	CUMULATIVE 2025 BUDGET	PERFORMANCE YEAR TO DATE 2025	PERFORMANCE YEAR TO DATE 2024	BUDGET VARIANCE YEAR TO DATE 2024	% CHANGE BETWEEN 2024 & 2025	BUDGET PERFORMANCE RATE
B2C
Personal Loan / Public Sector Employee Loan / Group Loan	-		-	-	-	-	0%
Cash Backed loan / Credit Card	-		-			-	0%
	-
Consumer Leases	-		-			-	0%
Asset Cash Loan	-						0%
SPBS	-						0%
Sub-Total	-	-	-	-	-	-
B2B
Business Support Loan/ACL-Corporate			-		-	0%		0%
SPBS			-		-	0%	7,150,000.00	-100%
Sub-Total Port Harcourt	578,410,293.33	19,820,000.00	598,230,293.33	0	598,230,293.33	3,015,784,330.43	-80.16%	418,359,596.08	43%0%
Corporate Leases			-			-	8,455,168.750%	0%
Operating Leases			-100%			-	0%	0%
	0.00	0.00	0.00	0.00	0.00	0.00
RISK ASSET GENERATION REPORT		1	Ending		4-Jan-2025
KANO	BAL B/F	WEEK 1	CUMULATIVE 2025 BUDGET	PERFORMANCE YEAR TO DATE 2025	PERFORMANCE YEAR TO DATE 2024	BUDGET VARIANCE YEAR TO DATE 2024	% CHANGE BETWEEN 2024 & 2025	BUDGET PERFORMANCE RATE
B2C
Personal Loan / Public Sector Employee Loan / Group Loan	-		-	-	-	-	0%
Cash Backed loan / Credit Card	-		-			-	0%
	-
Consumer Leases	-		-			-	0%
Asset Cash Loan	-						0%
SPBS	-						0%
Sub-Total	-	-	-	-	-	-
B2B
Business Support Loan/ACL-Corporate	-		-			-	0%	0%
Corporate Leases	-		-			-	0%	0%
Operating Leases	-		-		-	-	0%	0%
	0.00	0.00	0.00	0.00	0.00	0.00
RISK ASSET GENERATION REPORT		1	Ending		4-Jan-2025
OSUN	BAL B/F	WEEK 1	CUMULATIVE 2025 BUDGET	PERFORMANCE YEAR TO DATE 2025	PERFORMANCE YEAR TO DATE 2024	BUDGET VARIANCE YEAR TO DATE 2024	% CHANGE BETWEEN 2024 & 2025	BUDGET PERFORMANCE RATE
B2C
Personal Loan / Public Sector Employee Loan / Group Loan	-	3,013,000.00	-	3,013,000.00	-	3,013,000.00	0%
Cash Backed loan / Credit Card	-		-			-	0%
	-
Consumer Leases	-		-			-	0%
Asset Cash Loan	-						0%
SPBS							0%
Sub-Total	-	-	-	-	-	-
B2B
Business Support Loan/ACL-Corporate	-		-			-	0%	0%
Corporate Leases			-			-	0%	0%
Operating Leases			-		-	898,065,503.64-	0%	0%
	0.00	3,013,000.00	0.00	3,013,000.00	0.00	3,013,000.00
RISK ASSET GENERATION REPORT		1	Ending		4-Jan-2025
CROSS RIVER	BAL B/F	WEEK 1	CUMULATIVE 2025 BUDGET	PERFORMANCE YEAR TO DATE 2025	PERFORMANCE YEAR TO DATE 2024	BUDGET VARIANCE YEAR TO DATE 2024	% CHANGE BETWEEN 2024 & 2025	BUDGET PERFORMANCE RATE
B2C
Personal Loan / Public Sector Employee Loan / Group Loan	-100%	336,000,250.00	-100%	-	-	-	-	0%
Cash Backed loan / Credit Card			-			-	0%
Consumer Leases			-			-	0%
Asset Cash Loan							0%
SPBS							0%
Sub-Total	-	-	-	-	-	-
B2B
Business Support Loan/ACL-Corporate			-			-	8,217,030.660%	0%
Corporate Leases			-100%	15,400,		-	0%	0%
Operating Leases			-		-	-	0%	0%
	0.00	0.00	0.00	0.00	0.00	0.00
RISK ASSET GENERATION REPORT		1	Ending		4-Jan-2025
BENUE	BAL B/F	WEEK 1	CUMULATIVE 2025 BUDGET	PERFORMANCE YEAR TO DATE 2025	PERFORMANCE YEAR TO DATE 2024	BUDGET VARIANCE YEAR TO DATE 2024	% CHANGE BETWEEN 2024 & 2025	BUDGET PERFORMANCE RATE
B2C
Personal Loan / Public Sector Employee Loan / Group Loan	-	830,000.00	-100%	830,000.00	-	830,000.00	0%
Cash Backed loan / Credit Card			-			-	0%
Consumer Leases			-			-	0%
Asset Cash Loan							0%
SPBS							0%
Sub-Total	-	-	-	-	-	-
B2B
Business Support Loan/ACL-Corporate			-			-	0%	0%
Corporate Leases	0	0	0	0	0	914,737,703.06	-100.00%	351,400,250.		-	0%	0%
Operating Leases			-		-	-	0%	0%
	0.00	830,000.00	0.00	830,000.00	0.00	830,000.00
RISK ASSET GENERATION REPORT		1	Ending		4-Jan-2025
OGUN	BAL B/F	WEEK 1	CUMULATIVE 2025 BUDGET	PERFORMANCE YEAR TO DATE 2025	PERFORMANCE YEAR TO DATE 2024	BUDGET VARIANCE YEAR TO DATE 2024	% CHANGE BETWEEN 2024 & 2025	BUDGET PERFORMANCE RATE
B2C
Personal Loan / Public Sector Employee Loan / Group Loan		-	-	-	-	-	0%
Cash Backed loan / Credit Card			-			-	0%
Consumer Leases			-			-	0%
Asset Cash Loan							0%
SPBS							0%
Sub-Total	-	-	-	-	-	-
B2B
Business Support Loan/ACL-Corporate			-			-	0%	0%
Corporate Leases			-			-	0%	0%
Operating Leases			-		-	-	0%	0%
	0.00	0.00	0.00	0.00	0.00	0.00
CONSOLIDATED	BAL B/F	WEEK 1	CUMULATIVE 2025 BUDGET	PERFORMANCE YEAR TO DATE 2025	PERFORMANCE YEAR TO DATE 2024	BUDGET VARIANCE YEAR TO DATE 2024	% CHANGE BETWEEN 2024 & 2025	BUDGET PERFORMANCE RATE
Personal Loan / Public Sector Employee Loan / Group Loan	-	84,138,000.00	220,544,576.45	84,138,000.00	4,563,000.00	(136,406,576.45)	1744%	38%
Cash Backed loan / Credit Card	-	-	8,434,668.38	-	-	(8,434,668.38)	0%	0%
Consumer Leases	-	-	686,937.06	-	-	(686,937.06)	0%	0%
Asset Cash Loan	-	-		-
SPBS	-	-		-	-
Business Support Loan/ACL-Corporate	-	-	491,449.20	-	-	(491,449.20)	0%	0%
Corporate Leases	-	-	960,814.63	-	-	(960,814.63)	0%	0%
Operating Leases	-	-	42,522,040.89	-	-	(42,522,040.89)	0%	0%
	-	84,138,000.00	273,640,486.62	84,138,000.00	4,563,000.00	(189,502,486.62)	1744%	31%

WEALTH MANAGEMENT REPORT

ROSABON FINANCIAL SERVICES		ROSABON FINANCIAL SERVICES				LIABILITY GENERATION REPORT
			WEEK			WEEK	1	Ending	4-Jan2025
LAGOS	BAL B/F (YEAR 2013) 30-Dec-2013	BAL B/F (YEAR 2015)	BAL B/F (YEAR 2016)	BAL B/F (YEAR 2018)	BAL B/F (YEAR 2019)	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 2025 & 2024 (ACTUAL)
		31-Dec-2015	31-Dec-2016	31-Dec-2018	31-Dec-2019
	2013	2015	2016	2018	2019		2025	2025	2025	2025	2025	2024	2025
TENOR FUND	69,328,683.69	228,081,719.83	173,899,810.71	659,993,636.95	1,090,847,935.79	-	86,550,000.00	128,632,781.45	(42,082,781.45)	16,628,945.29	(42,082,781.45)	62,236,356.08	(58,711,726.74)	-168%
R-WIN	15,899,625.68	(6,116,064.72)	(7,340,069.56)	7,944,342.22	16,282,206.47	-	1,595,000.00	1,312,498.86	282,501.14	365,471.33	282,501.14	1,841,677.38	(82,970.19)	-85%
REAP PRODUCT	979,644.13	13,443,708.70	4,882,456.53	18,683,065.36	35,986,611.16	-	460,000.00	30,000.00	430,000.00	1,279,149.64	430,000.00	(2,669,333.86)	(849,149.64)	-116%
RBIP	108,169,956.33	17,163,271.83	42,421,463.54		59493828.77									-
TOTAL	194,377,909.83	252,572,635.64	213,863,661.22	686,330,592.14	1,202,610,582.19	-	88,605,000.00	129,975,280.31	(41,370,280.31)	18,273,566.26	(41,370,280.31)	61,408,699.60	(59,643,846.57)	-167%
ABUJA
TENOR FUND	69,328,683.69			49,772,301.37	92,151,827.23	-		720,034.23	(720,034.23)	7,390,642.35	(720,034.23)	(988,205.31)	(8,110,676.58)	-27%
R-WIN	15,899,625.68			-	-	-			-	162,431.70	-	-	(162,431.70)	-
REAP PRODUCT	979,644.13			(500,000.00)	100,000.00	-	100,000.00		100,000.00	568,510.95	100,000.00	100,000.00	(468,510.95)	0%
TOTAL				49,272,301.37	92,251,827.23	-	100,000.00	720,034.23	(620,034.23)	8,121,585.00	(620,034.23)	(888,205.31)	(8,741,619.23)	-30%
WARRI
TENOR FUND	69,328,683.69			-	2,519,013.70		-	-	-		-		-	0%
R-WIN	15,899,625.68			-	140,000.00		-	-	-		-	-	-	0%
REAP PRODUCT	979,644.13			(486,071.60)	138,098.57		-	-	-		-	-	-	0%
TOTAL				(486,071.60)	2,797,112.27		-	-	-	-	-	-	-	0%
TOTAL		252,572,635.64	213,863,661.22	735,116,821.91	1,297,659,521.69	-	88,705,000.00	130,695,314.54	(41,990,314.54)	26,395,151.26	(41,990,314.54)	60,520,494.29	-	-169%
PORT-HARCOURT
								WEEK 1
TENOR FUND	(17,634,265.11)	64,162,583.72	93,099,960.29	37,632,571.40	53,577,501.52	-	20,800,000.00	17,117,412.53	3,682,587.47	12,933,624.11	3,682,587.47	21,287,191.78	(9,251,036.64)	-83%
R-WIN	857,817.43	3,785,936.07	(2,476,830.83)	1,223,764.82	6,212,521.35	-			-	284,255.49	-	-	(284,255.49)	0%
REAP PRODUCT	-	2,882,160.66	(1,352,905.82)	7,215,221.10	(246,503.17)	-			-	994,894.15	-	50,000.00	(994,894.15)	-100%
							-		0%
B2C - Products	578,410,293.33	19,820,000.00	598,230,293.33	-	598,230,293.33	3,015,784,330.43	-80%	418,359,596.08	43%
B2B - Products	-	-	-	-	-	914,737,703.06	-100%	351,400,250.00	-100%
TOTAL FOR PORT HARCOURT	578,410,293.33	19,820,000.00	598,230,293.33	0	598,230,293.33	3,930,522,033.49	-84.78%	769,759,846.08	-22%
							0%
	0%
Cash Backed loan / Credit Card(16,776,447.68)	50,000,70,830,680.45	92,872,503.40	46,071,557.32	59,543,519.70	-	20,800,000.00	17,117,412.53	50,000,000.003,682,587.47	14,212,773.75	50,000,000.003,682,587.47	85,358,844.0521,337,191.78	(10,530,186.28)	-41%	550,000.00	8991%83%
							0%		0%
Total Risk Assets & Cash-Backed Loan	628,410,293.33	19,820,000.00	648,230,293.33	0	648,230,293.33	4,015,880,877.55	-83.86%	770,309,846.08	-16%
ROSABON FINANCIAL SERVICES LTD- RISK ASSET GENERATION REPORT					ANAMBRA BRANCH PERFORMANCE
	WEEK	WEEK 44		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	33,962,000.00		33,962,000.00		33,962,000.00		0%	32,019,000.00	6%
Consumer Leases			-		-		0%		0%
Asset Cash Loan			-		-		0%		0%
SPBS			-		-		0%		0%
Sub-Total Port Harcourt	33,962,000.00	0	33,962,000.00	0	33,962,000.00	0	0.00%	32,019,000.00	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	33,962,000.00	-	33,962,000.00	-	33,962,000.00	-	0%	32,019,000.00	6%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ANAMBRA	33,962,000.00	0	33,962,000.00	0	33,962,000.00	0	0.00%	32,019,000.00	6%
							0%		0%
Cash Backed loan / Credit Card							0%		0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	33,962,000.00	0	33,962,000.00	0	33,962,000.00	0	0.00%	32,019,000.00	6%
	CONSOLIDATED
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 VARIANCE2019) 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	40,060,000.00	250,000.00	40,310,000.00		40,310,000.00		0%	30,725,000.00	31%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	40,060,000.00	250,000.00	40,310,000.00	0	40,310,000.00	0	0.00%	30,725,000.00	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	40,060,000.00	250,000.00	40,310,000.00	-	40,310,000.00	-	0%	30,725,000.00	31%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR OYO	40,060,000.00	250,000.00	40,310,000.00	0	40,310,000.00	0	0.00%	30,725,000.00	31%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	40,060,000.00	250,000.00	40,310,000.00	0	40,310,000.00	0	0.00%	30,725,000.00	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		12,130,000.00		12,130,000.00		0%	8,120,000.00	49%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	12,130,000.00	0	12,130,000.00	0	12,130,000.00	0	0.00%	8,120,000.00	49%
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	-	12,130,000.00	-	12,130,000.00	-	0%	8,120,000.00	49%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	12,130,000.00	0	12,130,000.00	0	12,130,000.00	0	0.00%	8,120,000.00	49%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	12,130,000.00	0	12,130,000.00	0	12,130,000.00	0	0.00%	8,120,000.00	49%
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	46,389,000.00	335,000.00	46,724,000.00		46,724,000.00		0%	5,275,000.00	786%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	46,389,000.00	335,000.00	46,724,000.00	0	46,724,000.00	0	0.00%	5,275,000.00	786%
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	46,389,000.00	335,000.00	46,724,000.00	-	46,724,000.00	-	0%	5,275,000.00	786%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	46,389,000.00	335,000.00	46,724,000.00	0	46,724,000.00	0	0.00%	5,275,000.00	786%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	46,389,000.00	335,000.00	46,724,000.00	0	46,724,000.00	0	0.00%	5,275,000.00	786%
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	178,974,000.00	16,213,000.00	195,187,000.00		195,187,000.00		0%		0%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	178,974,000.00	16,213,000.00	195,187,000.00	0	195,187,000.00	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	178,974,000.00	16,213,000.00	195,187,000.00	-	195,187,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	178,974,000.00	16,213,000.00	195,187,000.00	0	195,187,000.00	0	0.00%	0	0%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	178,974,000.00	16,213,000.00	195,187,000.00	0	195,187,000.00	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	950,000.00	2,300,000.00	3,250,000.00		3,250,000.00		0%		0%
Consumer Leases					-		0%		0%
Asset Cash Loan					-		0%		0%
SPBS					-		0%		0%
Sub-Total Port Harcourt	950,000.00	2,300,000.00	3,250,000.00	0	3,250,000.00	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	950,000.00	2,300,000.00	3,250,000.00	-	3,250,000.00	-	0%	-	0%
B2B - Products	-	-	-	-	-	-	0%	-	0%
TOTAL FOR ONDO	950,000.00	2,300,000.00	3,250,000.00	0	3,250,000.00	0	0.00%	0	0%
							0%		0%
Cash Backed loan / Credit Card							0%	0	0%
							0%		0%
Total Risk Assets & Cash-Backed Loan	950,000.00	2,300,000.00	3,250,000.00	0	3,250,000.00	0	0.00%	0	0%

WEALTH MANAGEMENT REPORT

ROSABON FINANCIAL SERVICES	LIABILITY GENERATION REPORT
	WEEK	44	Ending	02-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 20242023 & 20232022 (ACTUAL)
		2024	2024	2024	2024	2024	2023	2024
TENOR FUND	742,063,378.2751,694,418.58	10,400,292,264,303.55	266,999,771.00	747,398,509.72	1,239,096,278.24	-	107,350,000.00	77,144,946.88146,470,228.21	(39,120,228.21)	36,953,211.75	(39,120,228.21)	82,535,342.55	(76,073,439.96)	-66,744,946.88	2,969,825,594.67	675,318,431.39	-1,240,250,203.78	-2,294,507,163.28	-154%147%
R-WIN	13,606,206.5016,757,443.11	(2,840,217,490.66)	(9,816,900.39)	9,168,107.04	22,634,727.82	-	1,595,000.00	607,439.791,312,498.86	2,232,560.21282,501.14	63,187,778.61812,158.52	15,838,766.71282,501.14	1,841,677.38	(529,657.38)	-11,374,982.04	-47,349,011.90	-239%85%
REAP PRODUCT	37,581,953.18979,644.13	855,18,325,869.36	3,529,550.71	24,912,214.86	35,978,206.56	-	560,000.00	368,433.6230,000.00	486,566.38530,000.00	126,375,557.222,842,554.74	38,068,519.56530,000.00	14,030,493.64(2,519,333.86)	(2,312,554.74)	-88,307,037.66	171%121%
RBIP									-
TOTAL	793,251,537.95	14,095,000.00	78,120,820.29	-64,025,820.29	3,159,388,930.50	729,225,717.66	-1,237,594,692.18	-2,430,163,212.84	-159%
ABUJA
TENOR FUND	198,340,358.42		11,500,000.00	-11,500,000.00	1,652,088,410.28	186,840,358.42	-19,636,500.97	-1,465,248,051.86	-1051%
R-WIN	-			-	35,150,817.24	-	-	-35,150,817.24	-
REAP PRODUCT	-1,195,725.48			-	70,301,634.48	-1,195,725.48	-799,879.33	-71,497,359.96	49%
TOTAL	197,144,632.94	-	11,500,000.00	-11,500,000.00	1,757,540,862.00	185,644,632.94	-20,436,380.30	-1,571,896,229.06	-1008%
OSUN
TENOR FUND	-		-	-		-		-	0%
R-WIN		-	-	-		-	-	-	0%
REAP PRODUCT		-	-	-		-	-	-	0%
TOTAL	-	-	-	-	-	-	-	-	0%
TOTAL	990,396,170.89	14,095,000.00	89,620,820.29	-75,525,820.29	4,916,929,792.50	914,870,350.60	-1,258,031,072.48	-	-173%
PORT-HARCOURT
			WEEK 44
TENOR FUND	143,280,630.80	6,000,000.00	24,812,862.69	-18,812,862.69	1,933,992,385.05	124,467,768.11	386,801,368.01	-1,809,524,616.94	-68%
R-WIN	-1,874,486.88	100,000.00		100,000.00	41,148,774.15	-1,774,486.88	1,275,000.00	-42,923,261.03	-239%
REAP PRODUCT	2,734,959.55	300,000.00	855,932.11	-555,932.11	82,297,548.30	2,179,027.44	1,510,267.40	-80,118,520.86	44%
	144,141,103.47	6,400,000.00	25,668,794.80	-19,268,794.80	2,057,438,707.50	124,872,308.67	389,586,635.41	-1,932,566,398.83	-68%
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	1,083,684,367.49	16,400,000.00	113,457,809.57	-97,057,809.57	6,555,906,390.00	986,626,557.92	-873,085,336.74	-5,569,279,832.08	-213%
R-WIN	11,731,719.62	2,940,000.00	607,439.79	2,332,560.21	139,487,370.00	14,064,279.83	-10,099,982.04	-125,423,090.17	-239%
REAP PRODUCT	39,121,187.25	1,155,000.00	1,224,365.73	-69,365.73	278,974,740.00	39,051,821.52	14,740,881.71	-239,922,918.48	165%
RBIP59,493,828.77	-				-	-			0%
	1,134,537,274.3669,431,505.82	20,495,325,535,954.08	306,736,164.62	781,188,379.23	1,357,203,041.39	-	109,505,000.00	115,289,615.09147,812,727.07	(38,307,727.07)	40,607,925.01	(38,307,727.07)	81,857,686.07	(78,915,652.08)	-94,794,615.09	6,974,368,500.00	1,039,742,659.27	-868,444,437.07	-5,934,625,840.73	-220%147%

MEETING ADJOURNMENT
SophiaEzinne DagiUmorzurike seconded by OwoichoOzegbe AgadaFaith adjourned the meeting