Royal Capital SA
CIF-00085 · U75084AU2014PLC100085 · Healthcare · Commercial · Australia
RM: Isabella Williams
Credit Risk Manager: Ava Johnson
Exposure: $46.17M
CBRB: Substandard
Internal: Substandard
Risk Score:48 · Medium
Total Exposure
$46.17M
Prev: $44.51M3.7%
Utilization
19.8%
Prev: 23.8%4.0pp
Banking Relationships
2
Prev: 20.0
CBRB Rating
Substandard
Prev: OLEM
Internal Rating
Substandard
Prev: Substandard
Open Alerts
2
C 1
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
2024-07
OLEMStart
2026-06
SubstandardDowngrade
Banking Relationship Trend · Number of Banks (CBRB)
Increase Decrease No Change
Alert History · 3
| Date | Alert Type | Severity | Description | Status | Assigned To | Resolved |
|---|---|---|---|---|---|---|
| 2/9/2026 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to Substandard. | Dismissed | Grace Lee | — |
| 6/9/2026 | Rating Downgrade | Critical | Borrower rating migrated from OLEM to Substandard. | Open | Michael Miller | — |
| 2/28/2026 | Exposure Shift to Other Banks | High | Exposure with our bank declined while CBRB system exposure remained stable, indicating a shift to competitors. | Open | Lucas White | — |
AI Risk Score
48
/ 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
CBRB Rating Migration+27
Industry Concentration+12
Banking Relationship Growth+6
Utilization Level+5
Exposure Growth Trend+5
Internal Rating Drift+5
AI Risk Commentary
AI
Customer exposure increased by 3.7% month-over-month, currently at $46.17M. Banking relationships moved from 2 to 2 banks per CBRB data. CBRB rating deteriorated from OLEM to Substandard. Current utilization is 19.8%. Overall borrower risk is assessed as medium.
Recommended Actions
Review Credit Facility Structure
HighSchedule Customer Meeting
MediumReassess Collateral Coverage
MediumEscalate 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 | $26.27M | $19.90M | $46.17M | 19.8% | 2 | Substandard |
| 2026-05 | $29.89M | $14.62M | $44.51M | 23.8% | 2 | OLEM |
| 2026-04 | $22.61M | $19.71M | $42.32M | 27.3% | 2 | OLEM |
| 2026-03 | $22.88M | $17.92M | $40.80M | 22.8% | 2 | OLEM |
| 2026-02 | $21.93M | $18.50M | $40.43M | 22.0% | 2 | OLEM |
| 2026-01 | $22.56M | $16.63M | $39.19M | 27.3% | 2 | OLEM |
| 2025-12 | $21.45M | $17.21M | $38.66M | 29.0% | 2 | OLEM |
| 2025-11 | $25.80M | $14.08M | $39.88M | 23.8% | 2 | OLEM |
| 2025-10 | $22.56M | $18.88M | $41.44M | 28.9% | 2 | OLEM |
| 2025-09 | $28.59M | $14.33M | $42.93M | 28.3% | 2 | OLEM |
| 2025-08 | $26.44M | $18.74M | $45.18M | 29.0% | 2 | OLEM |
| 2025-07 | $23.78M | $19.13M | $42.91M | 34.9% | 2 | OLEM |