Portfolio intelligence
Financial risk, in context.
A governed view of exposure, emerging signals and expected financial impact.
Total exposure
184.6M TND
24,820 active customers
Expected loss
6.8M TND
3.7% of exposure
High-risk exposure
18.7%
+1.9 pts over 90 days
Accounts under watch
428
37 require review
Portfolio evolution
Average risk score · last 12 months
4.9%Portfolio PD37%Average LGD3.2%Delinquency
Risk distribution
Exposure by risk band
Low68.4M
12,420 customers · PD 1.4%
Moderate49.7M
7,840 customers · PD 3.8%
Medium-High32M
3,218 customers · PD 9.6%
High34.5M
1,342 customers · PD 22.4%
Priority reviews
Accounts with material changes in risk signals
| Customer | Segment | Exposure | Risk score | PD | Expected loss | Warning | Status |
|---|---|---|---|---|---|---|---|
| C-01482 | SME | 125,000 TND | 72 / 100 | 14.2% | 2,850 TND | Elevated | Watch |
| C-10284 | Retail | 18,500 TND | 24 / 100 | 2.1% | 210 TND | Normal | Healthy |
| C-09211 | Corporate | 2,800,000 TND | 81 / 100 | 21.8% | 184,000 TND | Critical | Review |
Governed workflow
Financial data
Validation
Feature engineering
Risk models
Score & expected loss
Explainability
Early warning
Human review
Decision support