Royal Group Ltd
CIF-00035 · U75034UA2014PLC100035 · Financial Services · Large Corporate · UAE
RM: Isabella Williams
Credit Risk Manager: Ava Johnson
Exposure: $23.68M
CBRB: Normal
Internal: OLEM
Risk Score:33 · Medium
Total Exposure
$23.68M
Prev: $22.98M3.0%
Utilization
73.2%
Prev: 77.0%3.8pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Normal
Prev: Normal
Internal Rating
OLEM
Prev: Normal
Open Alerts
1
C 0
H 1
M 0
L 0
Exposure Trend Analysis · 24 Months
Funded · Non-Funded · Total
Utilization Trend · Reporting Bank vs Other Banks
Threshold 70%
Rating Migration Timeline
No rating changes in the last 24 months. Currently Normal.
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 2
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 3/14/2026 | Utilization Above 70% | High | Facility utilization breached the 70% early-warning threshold. | Open | Joseph Jackson | — |
| 2/20/2026 | Exposure Reduction | Medium | System-wide exposure declined materially over the prior month. | Dismissed | Michael Miller | — |
AI Risk Score
33
/ 100
Medium Risk
Low
0-30
0-30
Med
31-60
31-60
High
61-80
61-80
Crit
81-100
81-100
Risk Driver Analysis
Utilization Level+18
CBRB Rating Migration+15
Industry Concentration+13
Internal Rating Drift+12
Banking Relationship Growth+6
Exposure Growth Trend+5
AI Risk Commentary
AI
Customer exposure increased by 3.0% month-over-month, currently at $23.68M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating remained stable from Normal to Normal. Current utilization is 73.2% — above the 70% early warning threshold. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
HighEscalate to Credit Committee
LowInitiate Monthly Monitoring
MediumRelationship Team
Relationship Manager
Isabella Williams
isabella.williams@bank.com
+1 555 0110
Portfolio: $2.11B
Credit Risk Manager
Ava Johnson
ava.johnson@bank.com
+1 555 0198
Portfolio: $1.94B
Business Head
Grace Lee
grace.lee@bank.com
+1 555 0264
Portfolio: $2.12B
| Month | Funded | Non-Funded | Total | Utilization | Banks | Rating |
|---|---|---|---|---|---|---|
| 2026-06 | $13.32M | $10.35M | $23.68M | 73.2% | 2 | Normal |
| 2026-05 | $13.91M | $9.07M | $22.98M | 77.0% | 2 | Normal |
| 2026-04 | $13.88M | $10.08M | $23.96M | 72.8% | 2 | Normal |
| 2026-03 | $13.85M | $8.57M | $22.42M | 75.0% | 2 | Normal |
| 2026-02 | $14.49M | $8.16M | $22.66M | 79.4% | 2 | Normal |
| 2026-01 | $12.44M | $10.63M | $23.07M | 78.1% | 2 | Normal |
| 2025-12 | $14.46M | $8.18M | $22.65M | 79.0% | 2 | Normal |
| 2025-11 | $14.21M | $8.50M | $22.71M | 78.2% | 2 | Normal |
| 2025-10 | $13.71M | $7.90M | $21.61M | 78.3% | 2 | Normal |
| 2025-09 | $12.62M | $7.64M | $20.26M | 74.0% | 2 | Normal |
| 2025-08 | $13.69M | $7.60M | $21.29M | 78.8% | 2 | Normal |
| 2025-07 | $13.77M | $8.28M | $22.05M | 78.4% | 2 | Normal |