Book 9

F_DEMO_ACCEPTED_SALARY: Monthly Salary
Known Population ETTD Population

Raw Factored Statistics Raw Factored Statistics
Obs ATTRIBUTE Good Bad Good Bad Good% Bad% KGB KGB IV KGB KGB Bad Accept Reject Accept Reject Accept% Reject% AR AR IV
WOE Odds Rate WOE
1 LOW TO 1244 312 32 657 32 6.24% 5.45% 0.135 0.001 20.524 4.65% 433 23 838 59 5.54% 5.19% 0.065 0.000
2 1244 TO 1780 127 33 267 33 2.54% 5.62% -0.794 0.024 8.101 10.99% 323 29 574 74 3.80% 6.55% -0.545 0.015
3 1780 TO 2000 173 32 364 32 3.46% 5.45% -0.455 0.009 11.380 8.08% 329 22 605 56 4.00% 4.97% -0.217 0.002
4 2000 TO 2476 234 33 493 33 4.68% 5.62% -0.183 0.002 14.926 6.28% 494 30 907 77 6.00% 6.77% -0.122 0.001
5 2476 TO 2513 134 33 282 33 2.68% 5.62% -0.741 0.022 8.548 10.47% 245 26 446 67 2.95% 5.87% -0.688 0.020
6 2513 TO 2700 137 35 288 35 2.74% 5.96% -0.778 0.025 8.240 10.82% 309 31 554 79 3.66% 7.00% -0.648 0.022
7 2700 TO 2973 169 30 356 30 3.38% 5.11% -0.413 0.007 11.858 7.78% 334 38 613 97 4.05% 8.58% -0.751 0.034
8 2973 TO 3064 205 32 432 32 4.10% 5.45% -0.285 0.004 13.485 6.90% 353 27 659 69 4.35% 6.09% -0.337 0.006
9 3064 TO 3394 222 33 467 33 4.44% 5.62% -0.236 0.003 14.161 6.60% 418 34 774 87 5.12% 7.67% -0.405 0.010
10 3394 TO 3614 175 33 368 33 3.50% 5.62% -0.474 0.010 11.163 8.22% 340 23 623 59 4.12% 5.19% -0.231 0.002
11 3614 TO 4000 360 41 758 41 7.20% 6.98% 0.030 0.000 18.483 5.13% 554 36 1,056 92 6.98% 8.13% -0.152 0.002
12 4000 TO 4411 211 24 444 24 4.22% 4.09% 0.032 0.000 18.506 5.13% 366 25 688 64 4.55% 5.64% -0.215 0.002
13 4411 TO 4800 361 34 760 34 7.22% 5.79% 0.220 0.003 22.350 4.28% 591 23 1,123 59 7.42% 5.19% 0.358 0.008
14 4800 TO 5134 288 31 606 31 5.76% 5.28% 0.087 0.000 19.556 4.86% 391 15 758 38 5.01% 3.39% 0.392 0.006
15 5134 TO 6333 451 33 949 33 9.02% 5.62% 0.473 0.016 28.768 3.36% 624 20 1,218 51 8.05% 4.51% 0.578 0.020
16 6333 TO 8166 396 32 834 32 7.92% 5.45% 0.374 0.009 26.049 3.70% 549 19 1,069 49 7.06% 4.29% 0.499 0.014
17 8166 TO 13000 550 34 1,158 34 11.00% 5.79% 0.641 0.033 34.051 2.85% 712 9 1,407 23 9.30% 2.03% 1.521 0.111
18 13000 TO HIGH 495 32 1,042 32 9.90% 5.45% 0.597 0.027 32.562 2.98% 610 13 1,214 33 8.02% 2.93% 1.005 0.051
19 SYS_MISSING . . . . . . . . . . 3 . 5 . 0.03% . . .
20 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.196 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.327
F_DEMO_SEX_CODE: Gender
WOE Odds Rate WOE
1 F 1,244 147 2,619 147 24.88% 25.04% -0.007 0.000 17.814 5.32% 2,003 116 3,795 297 25.08% 26.19% -0.043 0.000
2 M 3,748 440 7,890 440 74.96% 74.96% 0.000 0.000 17.931 5.28% 5,967 327 11,321 839 74.81% 73.81% 0.013 0.000
3 USER_MISSING (N) 8 . 17 . 0.16% . . . . . 8 . 17 . 0.11% . . .
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.000 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.001
F_DEMO_MARITAL_STATUS_CODE: Marital Status

WOE Odds Rate WOE
1 D 34 6 72 6 0.68% 1.02% -0.408 0.001 11.928 7.73% 64 6 118 15 0.78% 1.35% -0.553 0.003
2 M 4,091 448 8,612 448 81.82% 76.32% 0.070 0.004 19.222 4.95% 6,283 329 11,992 844 79.25% 74.27% 0.065 0.003
3 S 780 119 1,642 119 15.60% 20.27% -0.262 0.012 13.797 6.76% 1,442 85 2,674 218 17.67% 19.19% -0.082 0.001
4 W 4 . 8 . 0.08% . . . . . 6 . 12 . 0.08% . . .
5 USER_MISSING (N) 91 14 192 14 1.82% 2.39% -0.270 0.002 13.682 6.81% 183 23 337 59 2.23% 5.19% -0.847 0.025
6 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.019 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.033
F_DEMO_AGE: Age
WOE Odds Rate WOE
1 LOW TO 26 141 49 297 49 2.82% 8.35% -1.085 0.060 6.057 14.17% 338 26 595 67 3.93% 5.87% -0.401 0.008
2 26 TO 28 159 28 335 28 3.18% 4.77% -0.405 0.006 11.953 7.72% 317 21 581 54 3.84% 4.74% -0.210 0.002
3 28 TO 29 113 22 238 22 2.26% 3.75% -0.506 0.008 10.812 8.47% 225 10 411 26 2.72% 2.26% 0.185 0.001
4 29 TO 31 312 52 657 52 6.24% 8.86% -0.350 0.009 12.630 7.34% 557 36 1,033 92 6.83% 8.13% -0.174 0.002
5 31 TO 32 164 24 345 24 3.28% 4.09% -0.220 0.002 14.384 6.50% 282 14 527 36 3.48% 3.16% 0.098 0.000
6 32 TO 33 183 25 385 25 3.66% 4.26% -0.152 0.001 15.409 6.09% 326 17 609 44 4.02% 3.84% 0.047 0.000
7 33 TO 35 377 50 794 50 7.54% 8.52% -0.122 0.001 15.872 5.93% 643 41 1,207 105 7.97% 9.26% -0.149 0.002
8 35 TO 36 204 21 429 21 4.08% 3.58% 0.131 0.001 20.449 4.66% 327 22 622 56 4.11% 4.97% -0.189 0.002
9 36 TO 38 361 34 760 34 7.22% 5.79% 0.220 0.003 22.350 4.28% 572 24 1,091 62 7.21% 5.42% 0.286 0.005
10 38 TO 39 182 23 383 23 3.64% 3.92% -0.074 0.000 16.657 5.66% 293 18 554 46 3.66% 4.06% -0.104 0.000
11 39 TO 41 349 40 735 40 6.98% 6.81% 0.024 0.000 18.366 5.16% 559 36 1,060 92 7.01% 8.13% -0.148 0.002
12 41 TO 43 353 37 743 37 7.06% 6.30% 0.113 0.001 20.083 4.74% 528 34 1,012 87 6.69% 7.67% -0.138 0.001
13 43 TO 45 358 24 754 24 7.16% 4.09% 0.560 0.017 31.400 3.09% 520 23 1,010 59 6.67% 5.19% 0.251 0.004
14 45 TO 47 305 44 642 44 6.10% 7.50% -0.206 0.003 14.591 6.41% 457 29 868 74 5.73% 6.55% -0.133 0.001
15 47 TO 49 291 24 613 24 5.82% 4.09% 0.353 0.006 25.523 3.77% 426 13 823 33 5.44% 2.93% 0.617 0.015
16 49 TO 52 365 36 768 36 7.30% 6.13% 0.174 0.002 21.342 4.48% 550 34 1,055 87 6.97% 7.67% -0.096 0.001
17 52 TO 55 329 29 693 29 6.58% 4.94% 0.287 0.005 23.881 4.02% 448 24 873 62 5.77% 5.42% 0.063 0.000
18 55 TO HIGH 446 25 939 25 8.92% 4.26% 0.739 0.034 37.553 2.59% 602 21 1,184 54 7.83% 4.74% 0.501 0.015
19 SYS_MISSING 8 . 17 . 0.16% . . . . . 8 . 17 . 0.11% . . .
20 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.159 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.062
F_DEMO_RACE_CD: Race
WOE Odds Rate WOE
1 ARB 8 3 17 3 0.16% 0.51% -1.161 0.004 5.613 15.12% 16 1 28 3 0.19% 0.23% -0.190 0.000
2 BUR 5 . 11 . 0.10% . . . . . 5 2 11 5 0.07% 0.45% -1.870 0.007
3 CHI 4,335 492 9,125 492 86.70% 83.82% 0.034 0.001 18.547 5.12% 6,619 292 12,630 749 83.47% 65.91% 0.236 0.041
4 EUP 80 5 168 5 1.60% 0.85% 0.630 0.005 33.680 2.88% 108 3 212 8 1.40% 0.68% 0.727 0.005
5 EUR 22 6 46 6 0.44% 1.02% -0.843 0.005 7.718 11.47% 40 2 72 5 0.48% 0.45% 0.059 0.000
6 FIL 8 . 17 . 0.16% . . . . . 13 1 25 3 0.17% 0.23% -0.302 0.000
7 IDO 19 1 40 1 0.38% 0.17% 0.802 0.002 39.995 2.44% 32 2 61 5 0.40% 0.45% -0.110 0.000
8 IND 202 19 425 19 4.04% 3.24% 0.222 0.002 22.379 4.28% 375 39 703 100 4.65% 8.80% -0.639 0.027
9 JAP 11 1 23 1 0.22% 0.17% 0.256 0.000 23.155 4.14% 16 1 31 3 0.20% 0.23% -0.101 0.000
10 JEW 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
11 KOR 14 2 29 2 0.28% 0.34% -0.196 0.000 14.735 6.36% 21 . 40 . 0.26% . . .
12 MAL 201 40 423 40 4.02% 6.81% -0.528 0.015 10.578 8.64% 564 89 1,006 228 6.65% 20.09% -1.106 0.149
13 SIK 7 . 15 . 0.14% . . . . . 14 1 27 3 0.18% 0.23% -0.254 0.000
14 THA 3 3 6 3 0.06% 0.51% -2.142 0.010 2.105 32.21% 6 . 9 . 0.06% . . .
15 XXX 70 15 147 15 1.40% 2.56% -0.602 0.007 9.823 9.24% 134 10 245 26 1.62% 2.26% -0.333 0.002
16 USER_MISSING (NUL) 14 . 29 . 0.28% . . . . . 14 . 29 . 0.19% . . .
17 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.050 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.232
F_DEMO_CITI_INCOR_CTRY_CODE: Citizenship
WOE Odds Rate WOE
1 AE 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
2 AU 34 1 72 1 0.68% 0.17% 1.384 0.007 71.570 1.38% 42 1 84 3 0.56% 0.23% 0.904 0.003
3 BD 1 1 2 1 0.02% 0.17% -2.142 0.003 2.105 32.21% 3 . 5 . 0.03% . . .
4 BG 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
5 BN 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
6 BR 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
7 CA 9 1 19 1 0.18% 0.17% 0.055 0.000 18.945 5.01% 11 . 22 . 0.14% . . .
8 CH 5 . 11 . 0.10% . . . . . 5 1 11 3 0.07% 0.23% -1.177 0.002
9 CN 29 3 61 3 0.58% 0.51% 0.127 0.000 20.348 4.68% 44 1 84 3 0.56% 0.23% 0.902 0.003
10 DE 6 . 13 . 0.12% . . . . . 9 . 18 . 0.12% . . .
11 FR 3 . 6 . 0.06% . . . . . 3 . 6 . 0.04% . . .
12 GB 38 1 80 1 0.76% 0.17% 1.495 0.009 79.990 1.23% 52 1 103 3 0.68% 0.23% 1.102 0.005
13 GR . . . . . . . . . . . 2 . 5 . 0.45% . .
14 HK 5 . 11 . 0.10% . . . . . 8 . 16 . 0.10% . . .
15 HN . . . . . . . . . . 1 . 2 . 0.01% . . .
16 ID 48 4 101 4 0.96% 0.68% 0.343 0.001 25.260 3.81% 74 2 142 5 0.94% 0.45% 0.732 0.004
17 IN 62 3 131 3 1.24% 0.51% 0.886 0.006 43.503 2.25% 87 2 170 5 1.13% 0.45% 0.915 0.006
18 IT 1 1 2 1 0.02% 0.17% -2.142 0.003 2.105 32.21% 2 . 3 . 0.02% . . .
19 JP 10 1 21 1 0.20% 0.17% 0.160 0.000 21.050 4.54% 15 1 29 3 0.19% 0.23% -0.171 0.000
20 KH 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
21 KR 14 3 29 3 0.28% 0.51% -0.602 0.001 9.823 9.24% 22 . 41 . 0.27% . . .
22 MM 10 2 21 2 0.20% 0.34% -0.533 0.001 10.525 8.68% 14 1 26 3 0.17% 0.23% -0.257 0.000
23 MV 2 . 4 . 0.04% . . . . . 3 . 6 . 0.04% . . .
24 MY 344 38 724 38 6.88% 6.47% 0.061 0.000 19.056 4.99% 543 21 1,033 54 6.83% 4.74% 0.365 0.008
25 NL 3 2 6 2 0.06% 0.34% -1.737 0.005 3.158 24.05% 5 . 8 . 0.05% . . .
26 NT . . . . . . . . . . 1 . 2 . 0.01% . . .
27 NZ 4 . 8 . 0.08% . . . . . 7 . 13 . 0.09% . . .
28 PH 7 . 15 . 0.14% . . . . . 10 3 20 8 0.13% 0.68% -1.645 0.009
29 PK 2 . 4 . 0.04% . . . . . 3 . 6 . 0.04% . . .
30 PT 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
31 SG 4,312 522 9,077 522 86.24% 88.93% -0.031 0.001 17.388 5.44% 6,951 407 13,158 1,044 86.96% 91.87% -0.055 0.003
32 TF 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
33 TH 3 3 6 3 0.06% 0.51% -2.142 0.010 2.105 32.21% 6 . 9 . 0.06% . . .
34 TR 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
35 TW 12 . 25 . 0.24% . . . . . 14 . 29 . 0.19% . . .
36 US 18 1 38 1 0.36% 0.17% 0.748 0.001 37.890 2.57% 24 . 47 . 0.31% . . .
37 ZA 2 . 4 . 0.04% . . . . . 2 . 4 . 0.03% . . .
38 USER_MISSING (NUL) 8 . 17 . 0.16% . . . . . 8 . 17 . 0.11% . . .
39 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.049 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.042
F_DEMO_RESI_OPER_CTRY_CODE: Residential Country

WOE Odds Rate WOE
1 AU . . . . . . . . . . 2 . 3 . 0.02% . . .
2 CH 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
3 CN . . . . . . . . . . 2 . 3 . 0.02% . . .
4 DE . . . . . . . . . . 1 . 2 . 0.01% . . .
5 GB 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
6 ID 1 1 2 1 0.02% 0.17% -2.142 0.003 2.105 32.21% 2 . 3 . 0.02% . . .
7 MY 5 . 11 . 0.10% . . . . . 10 . 19 . 0.13% . . .
8 NL 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
9 PH 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
10 SG 4,982 586 10,487 586 99.64% 99.83% -0.002 0.000 17.896 5.29% 7,949 443 15,076 1,136 99.63% 100.00% -0.004 0.000
11 USER_MISSING (NUL) 8 . 17 . 0.16% . . . . . 8 . 17 . 0.11% . . .
12 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.003 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.000
F_DEMO_PR_STATUS: Permanent Residence Status

WOE Odds Rate WOE
1 0 4,436 525 9,338 525 88.72% 89.44% -0.008 0.000 17.786 5.32% 7,118 415 13,489 1,064 89.14% 93.68% -0.050 0.002
2 1 564 62 1,187 62 11.28% 10.56% 0.066 0.000 19.149 4.96% 860 28 1,643 72 10.86% 6.32% 0.541 0.025
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.001 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.027
F_DEMO_EDUC_LEVEL_CODE: Education Level

WOE Odds Rate WOE
1 A 78 4 164 4 1.56% 0.68% 0.828 0.007 41.047 2.38% 111 8 217 21 1.43% 1.81% -0.231 0.001
2 B 361 26 760 26 7.22% 4.43% 0.489 0.014 29.227 3.31% 599 9 1,142 23 7.55% 2.03% 1.313 0.072
3 C 15 2 32 2 0.30% 0.34% -0.127 0.000 15.788 5.96% 40 3 72 8 0.48% 0.68% -0.350 0.001
4 D 263 20 554 20 5.26% 3.41% 0.434 0.008 27.681 3.49% 463 18 876 46 5.79% 4.06% 0.354 0.006
5 F 4 . 8 . 0.08% . . . . . 12 . 22 . 0.14% . . .
6 G 7 1 15 1 0.14% 0.17% -0.196 0.000 14.735 6.36% 15 1 28 3 0.18% 0.23% -0.217 0.000
7 H 22 . 46 . 0.44% . . . . . 33 1 65 3 0.43% 0.23% 0.640 0.001
8 M 86 2 181 2 1.72% 0.34% 1.619 0.022 90.515 1.09% 120 1 237 3 1.57% 0.23% 1.936 0.026
9 N 1,376 87 2,896 87 27.52% 14.82% 0.619 0.079 33.293 2.92% 3,177 370 5,865 949 38.76% 83.52% -0.768 0.344
10 O 179 21 377 21 3.58% 3.58% 0.001 0.000 17.943 5.28% 304 21 573 54 3.78% 4.74% -0.225 0.002
11 P 11 3 23 3 0.22% 0.51% -0.843 0.002 7.718 11.47% 17 . 31 . 0.21% . . .
12 S 42 1 88 1 0.84% 0.17% 1.596 0.011 88.410 1.12% 101 11 187 28 1.24% 2.48% -0.698 0.009
13 T 6 . 13 . 0.12% . . . . . 11 . 21 . 0.14% . . .
14 V 3 . 6 . 0.06% . . . . . 8 . 15 . 0.10% . . .
15 SYS_MISSING 2,547 420 5,361 420 50.94% 71.55% -0.340 0.070 12.765 7.26% 2,967 . 5,781 . 38.21% . . .
16 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.213 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.462
F_DEMO_DEPENDENT_CNT: Dependent Count
WOE Odds Rate WOE
1 0 182 9 383 9 3.64% 1.53% 0.865 0.018 42.568 2.30% 397 14 738 36 4.88% 3.16% 0.435 0.007
2 1 76 7 160 7 1.52% 1.19% 0.243 0.001 22.854 4.19% 149 7 278 18 1.84% 1.58% 0.151 0.000
3 2 99 5 208 5 1.98% 0.85% 0.844 0.010 41.679 2.34% 199 5 373 13 2.47% 1.13% 0.781 0.010
4 3 54 1 114 1 1.08% 0.17% 1.847 0.017 113.670 0.87% 109 3 205 8 1.36% 0.68% 0.696 0.005
5 4 20 . 42 . 0.40% . . . . . 30 1 59 3 0.39% 0.23% 0.545 0.001
6 5 5 . 11 . 0.10% . . . . . 9 . 17 . 0.11% . . .
7 6 . . . . . . . . . . 1 . 2 . 0.01% . . .
8 7 . . . . . . . . . . 2 . 3 . 0.02% . . .
9 SYS_MISSING 4,564 565 9,607 565 91.28% 96.25% -0.053 0.003 17.004 5.55% 7,082 413 13,456 1,059 88.92% 93.23% -0.047 0.002
10 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.048 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.026
F_DEMO_RESI_OWNERSHIP_CODE: Residence Ownership

WOE Odds Rate WOE
1 OM 111 7 234 72.22% 1.19% 0.621 0.006 33.379 2.91% 217 9 407 23 2.69% 2.03% 0.281 0.002
2 OU 195 7 410 73.90% 1.19% 1.185 0.032 58.639 1.68% 406 12 760 31 5.03% 2.71% 0.618 0.014
3 PA 105 5 221 52.10% 0.85% 0.902 0.011 44.205 2.21% 243 10 450 26 2.97% 2.26% 0.275 0.002
4 RN 19 2 40 20.38% 0.34% 0.109 0.000 19.998 4.76% 43 3 79 8 0.52% 0.68% -0.260 0.000
5 XX 5 . 11 . 0.10% . . . . . 12 2 22 5 0.15% 0.45% -1.120 0.003
6 USER_MISSING (NU) 4,565 566 9,609 566 91.30% 96.42% -0.055 0.003 16.978 5.56% 7,057 407 13,414 1,044 88.64% 91.87% -0.036 0.001
7 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.053 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.023
F_DEMO_RESI_TYPE_CODE: Residence Type

WOE Odds Rate WOE
1 BG 7 1 15 1 0.14% 0.17% -0.196 0.000 14.735 6.36% 10 . 19 . 0.13% . . .

2 EC 16 . 34 . 0.32% . . . . . 27 . 52 . 0.34% . . .
3 H3 106 5 223 5 2.12% 0.85% 0.912 0.012 44.626 2.19% 285 13 521 33 3.44% 2.93% 0.159 0.001
4 H5 131 9 276 9 2.62% 1.53% 0.536 0.006 30.639 3.16% 302 13 557 33 3.68% 2.93% 0.227 0.002
5 PC 97 3 204 3 1.94% 0.51% 1.334 0.019 68.062 1.45% 167 5 320 13 2.11% 1.13% 0.627 0.006
6 SM 23 1 48 1 0.46% 0.17% 0.993 0.003 48.415 2.02% 37 3 71 8 0.47% 0.68% -0.363 0.001
7 TE 35 1 74 1 0.70% 0.17% 1.413 0.007 73.675 1.34% 56 2 108 5 0.72% 0.45% 0.461 0.001
8 SYS_MISSING 3,002 469 6,319 469 60.04% 79.90% -0.286 0.057 13.474 6.91% 3,471 . 6,788 . 44.86% . . .
9 USER_MISSING (NU) 1,583 98 3,332 98 31.66% 16.70% 0.640 0.096 34.002 2.86% 3,623 407 6,695 1,044 44.25% 91.87% -0.731 0.348
10 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.199 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.359
F_DEMO_RESI_LENGTH: Months at Residence

WOE Odds Rate WOE
1 LOW TO 24 119 3 250 3 2.38% 0.51% 1.538 0.029 83.498 1.18% 251 9 470 23 3.11% 2.03% 0.425 0.005
2 24 TO 48 71 4 149 4 1.42% 0.68% 0.734 0.005 37.364 2.61% 146 8 273 21 1.80% 1.81% -0.002 0.000
3 48 TO 60 39 3 82 3 0.78% 0.51% 0.423 0.001 27.365 3.53% 97 2 178 5 1.17% 0.45% 0.955 0.007
4 60 TO 96 75 4 158 4 1.50% 0.68% 0.789 0.006 39.469 2.47% 165 7 306 18 2.03% 1.58% 0.248 0.001
5 96 TO HIGH 122 4 257 4 2.44% 0.68% 1.276 0.022 64.202 1.53% 252 8 473 21 3.12% 1.81% 0.548 0.007
6 SYS_MISSING 4,574 569 9,628 569 91.48% 96.93% -0.058 0.003 16.921 5.58% 7,067 409 13,432 1,049 88.77% 92.33% -0.039 0.001
7 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.067 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.021
F_DEMO_JOB_DESN_CODE: Job Designation

WOE Odds Rate WOE
1 EXECS 999 121 2,103 121 19.98% 20.61% -0.031 0.000 17.379 5.44% 1,562 84 2,967 215 19.61% 18.96% 0.034 0.000
2 MDMGT 1,547 161 3,256 161 30.94% 27.43% 0.121 0.004 20.226 4.71% 2,352 132 4,500 338 29.74% 29.80% -0.002 0.000
3 NOINC 238 17 501 17 4.76% 2.90% 0.497 0.009 29.470 3.28% 308 12 607 31 4.01% 2.71% 0.393 0.005
4 OPERA 507 71 1,067 71 10.14% 12.10% -0.176 0.003 15.031 6.24% 1,196 106 2,177 272 14.39% 23.93% -0.509 0.049
5 PROFL 428 26 901 26 8.56% 4.43% 0.659 0.027 34.652 2.80% 587 11 1,151 28 7.60% 2.48% 1.119 0.057
6 SELFE 613 117 1,290 117 12.26% 19.93% -0.486 0.037 11.029 8.31% 965 57 1,802 146 11.91% 12.87% -0.077 0.001
7 STUDT 9 . 19 . 0.18% . . . . . 9 . 19 . 0.13% . . .
8 TECHL 261 23 549 23 5.22% 3.92% 0.287 0.004 23.887 4.02% 550 41 1,020 105 6.74% 9.26% -0.317 0.008
9 USER_MISSING (NULL) 398 51 838 51 7.96% 8.69% -0.088 0.001 16.427 5.74% 449 . 889 . 5.87% . . .
10 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.086 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.120
F_DEMO_OCCUP_CODE: Occupation
WOE Odds Rate WOE
1 1 1,251 207 2,633 207 25.02% 35.26% -0.343 0.035 12.722 7.29% 1,458 . 2,840 . 18.77% . . .
2 2 271 21 570 21 5.42% 3.58% 0.415 0.008 27.165 3.55% 292 . 591 . 3.91% . . .
3 3 961 174 2,023 174 19.22% 29.64% -0.433 0.045 11.626 7.92% 1,135 . 2,197 . 14.52% . . .
4 ??? 206 27 434 27 4.12% 4.60% -0.110 0.001 16.060 5.86% 233 . 461 . 3.04% . . .
5 AGFFG 4 . 8 . 0.08% . . . . . 7 . 13 . 0.09% . . .
6 BUSSV 890 67 1,873 67 17.80% 11.41% 0.444 0.028 27.962 3.45% 2,051 236 3,780 605 24.98% 53.27% -0.757 0.214
7 CATER 8 2 17 2 0.16% 0.34% -0.756 0.001 8.420 10.62% 31 3 54 8 0.36% 0.68% -0.638 0.002
8 CHARI 2 . 4 . 0.04% . . . . . 10 3 18 8 0.12% 0.68% -1.758 0.010
9 COMPU 74 1 156 1 1.48% 0.17% 2.162 0.028 155.770 0.64% 150 10 283 26 1.87% 2.26% -0.189 0.001
10 CONST 50 6 105 6 1.00% 1.02% -0.022 0.000 17.542 5.39% 127 15 231 38 1.52% 3.39% -0.798 0.015
11 DOMES 2 1 4 1 0.04% 0.17% -1.449 0.002 4.210 19.19% 9 1 15 3 0.10% 0.23% -0.803 0.001
12 EDUCA 86 1 181 1 1.72% 0.17% 2.312 0.036 181.030 0.55% 211 8 391 21 2.58% 1.81% 0.357 0.003
13 EMBAS 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
14 ENTRR 14 1 29 1 0.28% 0.17% 0.497 0.001 29.470 3.28% 33 4 61 10 0.40% 0.90% -0.811 0.004
15 FINAN 110 3 232 3 2.20% 0.51% 1.460 0.025 77.183 1.28% 202 11 384 28 2.54% 2.48% 0.022 0.000
16 HOTEL 18 2 38 2 0.36% 0.34% 0.055 0.000 18.945 5.01% 52 6 94 15 0.62% 1.35% -0.783 0.006
17 INSUR 33 2 69 2 0.66% 0.34% 0.661 0.002 34.732 2.80% 72 4 134 10 0.88% 0.90% -0.022 0.000
18 INVEB 33 1 69 1 0.66% 0.17% 1.354 0.007 69.465 1.42% 54 3 104 8 0.69% 0.68% 0.016 0.000
19 MASSM 39 1 82 1 0.78% 0.17% 1.521 0.009 82.095 1.20% 91 4 169 10 1.12% 0.90% 0.212 0.000
20 MEDIC 47 2 99 2 0.94% 0.34% 1.015 0.006 49.468 1.98% 86 8 163 21 1.08% 1.81% -0.516 0.004
21 MFGRG 81 4 171 4 1.62% 0.68% 0.866 0.008 42.626 2.29% 181 12 336 31 2.22% 2.71% -0.199 0.001
22 MNING 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
23 NOINC 119 1 250 1 2.38% 0.17% 2.637 0.058 250.495 0.40% 171 12 337 31 2.23% 2.71% -0.195 0.001
24 OCSPR 11 . 23 . 0.22% . . . . . 30 2 55 5 0.36% 0.45% -0.215 0.000
25 PROSV 33 4 69 4 0.66% 0.68% -0.032 0.000 17.366 5.44% 73 7 134 18 0.89% 1.58% -0.579 0.004
26 PUBSV 122 3 257 3 2.44% 0.51% 1.563 0.030 85.603 1.15% 303 17 559 44 3.69% 3.84% -0.038 0.000
27 RTAIL 41 3 86 3 0.82% 0.51% 0.473 0.001 28.768 3.36% 96 15 177 38 1.17% 3.39% -1.064 0.024
28 TRAVL 5 . 11 . 0.10% . . . . . 10 3 19 8 0.13% 0.68% -1.689 0.009
29 TRDIE 26 1 55 1 0.52% 0.17% 1.116 0.004 54.730 1.79% 67 6 123 15 0.81% 1.35% -0.511 0.003
30 TRSPT 116 11 244 11 2.32% 1.87% 0.214 0.001 22.198 4.31% 319 42 578 108 3.82% 9.48% -0.909 0.051
31 UTILI 27 . 57 . 0.54% . . . . . 59 8 111 21 0.73% 1.81% -0.904 0.010
32 X 127 16 267 16 2.54% 2.73% -0.071 0.000 16.708 5.65% 143 . 283 . 1.87% . . .
33 XXXXX 5 1 11 1 0.10% 0.17% -0.533 0.000 10.525 8.68% 10 3 18 8 0.12% 0.68% -1.725 0.010
34 SYS_MISSING 2 . 4 . 0.04% . . . . . 2 . 4 . 0.03% . . .
35 USER_MISSING (NULL) 184 24 387 24 3.68% 4.09% -0.105 0.000 16.138 5.83% 208 . 411 . 2.72% . . .
36 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.337 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.372
F_DEMO_EMP_LEN: Months at Current Employment
WOE Odds Rate WOE
1 LOW TO 6 146 12 307 12 2.92% 2.04% 0.357 0.003 25.611 3.76% 332 35 612 90 4.04% 7.90% -0.670 0.026
2 6 TO 12 153 15 322 15 3.06% 2.56% 0.180 0.001 21.471 4.45% 354 40 650 103 4.29% 9.03% -0.743 0.035
3 12 TO 24 183 11 385 11 3.66% 1.87% 0.669 0.012 35.020 2.78% 461 63 845 162 5.59% 14.22% -0.935 0.081
4 24 TO 36 139 12 293 12 2.78% 2.04% 0.307 0.002 24.383 3.94% 378 55 686 141 4.54% 12.42% -1.007 0.079
5 36 TO 60 233 12 490 12 4.66% 2.04% 0.824 0.022 40.872 2.39% 592 64 1,086 164 7.18% 14.45% -0.700 0.051
6 60 TO 84 197 13 415 13 3.94% 2.21% 0.576 0.010 31.899 3.04% 471 37 867 95 5.73% 8.35% -0.377 0.010
7 84 TO 108 113 9 238 9 2.26% 1.53% 0.388 0.003 26.429 3.65% 283 15 518 38 3.42% 3.39% 0.010 0.000
8 108 TO 120 164 15 345 15 3.28% 2.56% 0.250 0.002 23.015 4.16% 332 34 617 87 4.08% 7.67% -0.632 0.023
9 120 TO 168 147 10 309 10 2.94% 1.70% 0.546 0.007 30.943 3.13% 343 29 632 74 4.18% 6.55% -0.449 0.011
10 168 TO HIGH 430 12 905 12 8.60% 2.04% 1.437 0.094 75.429 1.31% 803 56 1,524 144 10.07% 12.64% -0.227 0.006
11 SYS_MISSING 3,095 466 6,515 466 61.90% 79.39% -0.249 0.044 13.981 6.68% 3,629 15 7,095 38 46.89% 3.39% 2.628 1.143
12 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.199 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 1.464
F_DEMO_HOME_TEL_IND: Home Telephone Indicator

WOE Odds Rate WOE
1 1 1,885 106 3,968 106 37.70% 18.06% 0.736 0.145 37.433 2.60% 4,203 394 7,793 1,010 51.50% 88.94% -0.546 0.205
2 SYS_MISSING 3,115 481 6,557 481 62.30% 81.94% -0.274 0.054 13.632 6.83% 3,775 49 7,339 126 48.50% 11.06% 1.478 0.553
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.198 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.758
F_DEMO_OFFICE_TEL_IND: Office Telephone Indicator

WOE Odds Rate WOE
1 1 1,726 101 3,633 101 34.52% 17.21% 0.696 0.121 35.973 2.70% 3,838 367 7,115 941 47.02% 82.84% -0.566 0.203
2 SYS_MISSING 3,274 486 6,892 486 65.48% 82.79% -0.235 0.041 14.181 6.59% 4,140 76 8,017 195 52.98% 17.16% 1.128 0.404
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.161 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.607
F_DEMO_MOBILE_NUMBER_IND: Mobile Phone Indicator
WOE Odds Rate WOE
1 1 1,979 118 4,166 118 39.58% 20.10% 0.677 0.132 35.303 2.75% 4,473 439 8,279 1,126 54.71% 99.10% -0.594 0.264
2 SYS_MISSING 3,021 469 6,359 469 60.42% 79.90% -0.279 0.054 13.559 6.87% 3,505 4 6,853 10 45.29% 0.90% 3.915 1.738
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.186 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 2.002
F_REF_RELATION: Reference Relationship

WOE Odds Rate WOE
1 FO 1 . 2 . 0.02% . . . . . 6 . 11 . 0.07% . . .
2 SB 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
3 SP . . . . . . . . . . 1 . 2 . 0.01% . . .
4 SYS_MISSING 3,002 469 6,319 469 60.04% 79.90% -0.286 0.057 13.474 6.91% 3,471 . 6,788 . 44.86% . . .
5 USER_MISSING (NU) 1,996 118 4,202 118 39.92% 20.10% 0.686 0.136 35.607 2.73% 4,498 443 8,328 1,136 55.03% 100.00% -0.597 0.269
6 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.193 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.269
F_VEH_VEHICLE_TYPE: Vehicle Type

WOE Odds Rate WOE
1 0 4,630 524 9,746 524 92.60% 89.27% 0.037 0.001 18.600 5.10% 7,304 406 13,885 1,041 91.76% 91.65% 0.001 0.000
2 1 214 18 450 18 4.28% 3.07% 0.333 0.004 25.026 3.84% 473 37 874 95 5.77% 8.35% -0.369 0.010
3 USER_MISSING (9) 156 45 328 45 3.12% 7.67% -0.899 0.041 7.297 12.05% 201 . 373 . 2.47% . . .
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.046 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.010
F_VEH_VEHICLE_BODY: Vehicle Body

WOE Odds Rate WOE
1 10 4,867 566 10,245 566 97.34% 96.42% 0.009 0.000 18.101 5.24% 7,819 442 14,823 1,133 97.96% 99.77% -0.018 0.000
2 11 133 21 280 21 2.66% 3.58% -0.296 0.003 13.332 6.98% 159 1 309 3 2.04% 0.23% 2.204 0.040
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.003 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.040
F_VEH_VEHICLE_CLASS: Vehicle Class

WOE Odds Rate WOE
1 P 5,000 587 10,525 587 100.00% 100.00% 0.000 0.000 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% 0.000 0.000
2 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.000 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.000
F_VEH_VEHICLE_MAKE: Vehicle Make

WOE Odds Rate WOE
1 2 . . . . . . . . . . 7 1 12 3 0.08% 0.23% -1.066 0.002

2 3 . . . . . . . . . . 1 . 2 . 0.01% . . .
3 10 2 . 4 . 0.04% . . . . . 4 1 8 3 0.05% 0.23% -1.506 0.003
4 11 12 2 25 2 0.24% 0.34% -0.350 0.000 12.630 7.34% 16 1 31 3 0.20% 0.23% -0.109 0.000
5 12 44 5 93 5 0.88% 0.85% 0.033 0.000 18.524 5.12% 57 . 111 . 0.73% . . .
6 13 . . . . . . . . . . 1 . 2 . 0.01% . . .
7 14 2 . 4 . 0.04% . . . . . 5 . 9 . 0.06% . . .
8 15 . . . . . . . . . . 1 . 2 . 0.01% . . .
9 16 4 . 8 . 0.08% . . . . . 21 . 37 . 0.24% . . .
10 17 12 3 25 3 0.24% 0.51% -0.756 0.002 8.420 10.62% 20 . 37 . 0.24% . . .
11 18 . . . . . . . . . . 3 . 5 . 0.03% . . .
12 19 5 . 11 . 0.10% . . . . . 14 . 26 . 0.17% . . .
13 20 40 5 84 5 0.80% 0.85% -0.063 0.000 16.840 5.61% 79 2 146 5 0.97% 0.45% 0.762 0.004
14 21 1 . 2 . 0.02% . . . . . 2 2 4 5 0.03% 0.45% -2.893 0.012
15 22 1,554 203 3,271 203 31.08% 34.58% -0.107 0.004 16.114 5.84% 2,601 139 4,893 356 32.34% 31.38% 0.030 0.000
16 24 38 7 80 7 0.76% 1.19% -0.450 0.002 11.427 8.05% 85 13 154 33 1.02% 2.93% -1.057 0.020
17 25 10 1 21 1 0.20% 0.17% 0.160 0.000 21.050 4.54% 16 . 30 . 0.20% . . .
18 26 100 21 210 21 2.00% 3.58% -0.582 0.009 10.024 9.07% 285 36 507 92 3.35% 8.13% -0.886 0.042
19 27 2 . 4 . 0.04% . . . . . 3 . 6 . 0.04% . . .
20 28 1,112 181 2,341 181 22.24% 30.83% -0.327 0.028 12.932 7.18% 2,087 173 3,857 444 25.49% 39.05% -0.427 0.058
21 29 . . . . . . . . . . 1 . 2 . 0.01% . . .
22 30 1,191 72 2,507 72 23.82% 12.27% 0.664 0.077 34.820 2.79% 1,508 31 2,991 79 19.77% 7.00% 1.038 0.133
23 31 6 2 13 2 0.12% 0.34% -1.044 0.002 6.315 13.67% 12 2 21 5 0.14% 0.45% -1.163 0.004
24 32 15 3 32 3 0.30% 0.51% -0.533 0.001 10.525 8.68% 29 . 53 . 0.35% . . .
25 34 10 3 21 3 0.20% 0.51% -0.938 0.003 7.017 12.47% 21 . 38 . 0.25% . . .
26 36 . . . . . . . . . . 5 5 8 13 0.06% 1.13% -3.011 0.032
27 40 5 1 11 1 0.10% 0.17% -0.533 0.000 10.525 8.68% 9 . 17 . 0.11% . . .
28 41 . . . . . . . . . . 1 . 2 . 0.01% . . .
29 42 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
30 43 1 . 2 . 0.02% . . . . . 3 1 5 3 0.04% 0.23% -1.832 0.003
31 44 33 6 69 6 0.66% 1.02% -0.437 0.002 11.577 7.95% 59 . 109 . 0.72% . . .
32 45 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
33 46 32 2 67 2 0.64% 0.34% 0.630 0.002 33.680 2.88% 44 . 86 . 0.57% . . .
34 48 10 5 21 5 0.20% 0.85% -1.449 0.009 4.210 19.19% 25 . 43 . 0.28% . . .
35 49 6 . 13 . 0.12% . . . . . 9 . 18 . 0.12% . . .
36 50 63 6 133 6 1.26% 1.02% 0.209 0.000 22.103 4.33% 87 9 169 23 1.12% 2.03% -0.599 0.005
37 60 25 4 53 4 0.50% 0.68% -0.310 0.001 13.156 7.06% 51 5 94 13 0.62% 1.13% -0.601 0.003
38 70 640 53 1,347 53 12.80% 9.03% 0.349 0.013 25.419 3.79% 771 21 1,531 54 10.12% 4.74% 0.758 0.041
39 89 2 . 4 . 0.04% . . . . . 4 . 8 . 0.05% . . .
40 90 2 1 4 1 0.04% 0.17% -1.449 0.002 4.210 19.19% 4 . 7 . 0.05% . . .
41 91 14 . 29 . 0.28% . . . . . 18 . 36 . 0.24% . . .
42 92 4 1 8 1 0.08% 0.17% -0.756 0.001 8.420 10.62% 5 1 9 3 0.06% 0.23% -1.288 0.002
43 96 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
44 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.159 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.365
F_VEH_VEHICLE_SCHEME: Vehicle Scheme

WOE Odds Rate WOE
1 NO 4,914 580 10,344 580 98.28% 98.81% -0.005 0.000 17.834 5.31% 7,659 405 14,564 1,039 96.25% 91.42% 0.051 0.002
2 OP 86 7 181 7 1.72% 1.19% 0.366 0.002 25.861 3.72% 319 38 568 97 3.75% 8.58% -0.826 0.040
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.002 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.042
F_VEH_PROPELLENT: Vehicle Propellent

WOE Odds Rate WOE
1 10 4,985 586 10,493 586 99.70% 99.83% -0.001 0.000 17.907 5.29% 7,955 412 15,088 1,057 99.71% 93.00% 0.070 0.005
2 30 11 1 23 1 0.22% 0.17% 0.256 0.000 23.155 4.14% 17 . 33 . 0.22% . . .
3 USER_MISSING (NU) 4 . 8 . 0.08% . . . . . 6 31 12 79 0.08% 7.00% -4.498 0.311
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.000 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.316
F_VEH_ENGINE_CAPACITY: Vehicle Engine Capacity

WOE Odds Rate WOE
1 LOW TO 1300 58 8 122 8 1.16% 1.36% -0.161 0.000 15.261 6.15% 243 26 428 67 2.83% 5.87% -0.731 0.022
2 1300 TO 1400 414 58 871 58 8.28% 9.88% -0.177 0.003 15.025 6.24% 736 43 1,373 110 9.08% 9.71% -0.067 0.000
3 1400 TO 1500 1,092 93 2,299 93 21.84% 15.84% 0.321 0.019 24.717 3.89% 1,799 99 3,424 254 22.63% 22.35% 0.012 0.000
4 1500 TO 1600 589 67 1,240 67 11.78% 11.41% 0.032 0.000 18.505 5.13% 868 50 1,663 128 10.99% 11.29% -0.026 0.000
5 1600 TO 1800 973 153 2,048 153 19.46% 26.06% -0.292 0.019 13.387 6.95% 1,755 116 3,259 297 21.54% 26.19% -0.196 0.009
6 1800 TO 2000 626 81 1,318 81 12.52% 13.80% -0.097 0.001 16.268 5.79% 915 44 1,748 113 11.55% 9.93% 0.151 0.002
7 2000 TO 2400 525 63 1,105 63 10.50% 10.73% -0.022 0.000 17.542 5.39% 738 35 1,420 90 9.39% 7.90% 0.172 0.003
8 2400 TO HIGH 723 64 1,522 64 14.46% 10.90% 0.282 0.010 23.780 4.04% 924 30 1,816 77 12.00% 6.77% 0.572 0.030
9 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.053 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.067
F_VEH_LUX_CAR_IND: Luxury Car Indicator

WOE Odds Rate WOE
1 0 4,980 586 10,483 586 99.60% 99.83% -0.002 0.000 17.889 5.29% 7,948 441 15,074 1,131 99.62% 99.55% 0.001 0.000
2 1 20 1 42 1 0.40% 0.17% 0.854 0.002 42.100 2.32% 30 2 58 5 0.38% 0.45% -0.160 0.000
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.002 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.000
F_VEH_MANUFACTURE_YEAR: Vehicle Year of Manufacture

WOE Odds Rate WOE
1 1500 . . . . . . . . . . 1 . 2 . 0.01% . . .
2 1800 . . . . . . . . . . 1 . 2 . 0.01% . . .
3 1998 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
4 1999 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
5 2000 5 1 11 1 0.10% 0.17% -0.533 0.000 10.525 8.68% 7 . 13 . 0.09% . . .
6 2001 15 7 32 7 0.30% 1.19% -1.380 0.012 4.511 18.15% 34 1 59 3 0.39% 0.23% 0.542 0.001
7 2002 23 6 48 6 0.46% 1.02% -0.798 0.004 8.069 11.03% 36 3 66 8 0.44% 0.68% -0.437 0.001
8 2003 52 13 109 13 1.04% 2.21% -0.756 0.009 8.420 10.62% 91 4 166 10 1.10% 0.90% 0.196 0.000
9 2004 121 19 255 19 2.42% 3.24% -0.291 0.002 13.406 6.94% 213 6 396 15 2.62% 1.35% 0.660 0.008
10 2005 172 32 362 32 3.44% 5.45% -0.460 0.009 11.314 8.12% 291 14 540 36 3.57% 3.16% 0.122 0.001
11 2006 3,740 469 7,873 469 74.80% 79.90% -0.066 0.003 16.786 5.62% 5,971 349 11,304 895 74.70% 78.78% -0.053 0.002
12 2007 870 40 1,831 40 17.40% 6.81% 0.937 0.099 45.784 2.14% 1,330 66 2,577 169 17.03% 14.90% 0.134 0.003
13 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.140 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.016
F_VEH_COE_CAT: COE Category

WOE Odds Rate WOE
1 CA 837 42 1,762 42 16.74% 7.16% 0.850 0.081 41.950 2.33% 2,146 214 3,934 549 26.00% 48.31% -0.620 0.138
2 CB 1,157 76 2,435 76 23.14% 12.95% 0.581 0.059 32.046 3.03% 2,351 224 4,391 574 29.02% 50.56% -0.555 0.120
3 CE 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
4 SYS_MISSING 3,002 469 6,319 469 60.04% 79.90% -0.286 0.057 13.474 6.91% 3,471 . 6,788 . 44.86% . . .
5 USER_MISSING (NULL) 3 . 6 . 0.06% . . . . . 9 5 16 13 0.11% 1.13% -2.343 0.024
6 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.197 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.282
F_VEH_NO_TRANSFER: No. of Transfers

WOE Odds Rate WOE
1 0 2,841 422 5,980 422 56.82% 71.89% -0.235 0.035 14.171 6.59% 3,265 1 6,406 3 42.33% 0.23% 5.234 2.204
2 1 146 34 307 34 2.92% 5.79% -0.685 0.020 9.039 9.96% 181 . 343 . 2.27% . . .
3 2 15 13 32 13 0.30% 2.21% -1.999 0.038 2.429 29.16% 29 . 46 . 0.31% . . .
4 3 3 . 6 . 0.06% . . . . . 3 . 6 . 0.04% . . .
5 SYS_MISSING 1,995 118 4,199 118 39.90% 20.10% 0.686 0.136 35.589 2.73% 4,500 442 8,331 1,133 55.05% 99.77% -0.595 0.266
6 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.229 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 2.470
F_VEH_MAC_PURCHASE_AMOUNT: Vehicle Purchase Price

WOE Odds Rate WOE
1 LOW TO 45600.00 332 32 699 32 6.64% 5.45% 0.197 0.002 21.839 4.38% 578 25 1,091 64 7.21% 5.64% 0.245 0.004
2 45600.00 TO 51300.00 361 33 760 33 7.22% 5.62% 0.250 0.004 23.027 4.16% 521 25 1,006 64 6.65% 5.64% 0.164 0.002
3 51300.00 TO 53576.00 252 32 530 32 5.04% 5.45% -0.078 0.000 16.577 5.69% 371 16 709 41 4.68% 3.61% 0.260 0.003
4 53576.00 TO 55988.00 295 33 621 33 5.90% 5.62% 0.048 0.000 18.817 5.05% 448 25 856 64 5.66% 5.64% 0.002 0.000
5 55988.00 TO 59988.00 313 33 659 33 6.26% 5.62% 0.108 0.001 19.966 4.77% 589 48 1,100 123 7.27% 10.84% -0.399 0.014
6 59988.00 TO 65708.00 325 32 684 32 6.50% 5.45% 0.176 0.002 21.379 4.47% 593 39 1,113 100 7.35% 8.80% -0.180 0.003
7 65708.00 TO 68600.00 229 33 482 33 4.58% 5.62% -0.205 0.002 14.607 6.41% 436 32 808 82 5.34% 7.22% -0.303 0.006
8 68600.00 TO 70000.00 246 33 518 33 4.92% 5.62% -0.133 0.001 15.692 5.99% 392 16 741 41 4.90% 3.61% 0.304 0.004
9 70000.00 TO 73000.00 291 34 613 34 5.82% 5.79% 0.005 0.000 18.016 5.26% 481 27 909 69 6.01% 6.09% -0.015 0.000
10 73000.00 TO 74300.00 170 31 358 31 3.40% 5.28% -0.440 0.008 11.544 7.97% 264 14 495 36 3.27% 3.16% 0.034 0.000
11 74300.00 TO 75800.00 152 32 320 32 3.04% 5.45% -0.584 0.014 9.999 9.09% 273 9 502 23 3.31% 2.03% 0.490 0.006
12 75800.00 TO 78800.00 210 33 442 33 4.20% 5.62% -0.292 0.004 13.395 6.95% 398 20 736 51 4.86% 4.51% 0.074 0.000
13 78800.00 TO 84088.00 215 32 453 32 4.30% 5.45% -0.237 0.003 14.143 6.60% 400 31 742 79 4.90% 7.00% -0.356 0.007
14 84088.00 TO 89800.00 224 34 472 34 4.48% 5.79% -0.257 0.003 13.868 6.73% 353 23 665 59 4.40% 5.19% -0.166 0.001
15 89800.00 TO 98988.00 344 32 724 32 6.88% 5.45% 0.233 0.003 22.629 4.23% 493 38 953 97 6.30% 8.58% -0.309 0.007
16 98988.00 TO 123000.00 253 33 533 33 5.06% 5.62% -0.105 0.001 16.138 5.83% 412 17 777 44 5.14% 3.84% 0.292 0.004
17 123000.00 TO 166112.00 352 32 741 32 7.04% 5.45% 0.256 0.004 23.155 4.14% 448 20 881 51 5.82% 4.51% 0.254 0.003
18 166112.00 TO HIGH 436 33 918 33 8.72% 5.62% 0.439 0.014 27.812 3.47% 528 18 1,050 46 6.94% 4.06% 0.535 0.015
19 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.067 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.080
F_FAC_TNR_PROP_TENOR: Loan Tenor in Months

WOE Odds Rate WOE
1 LOW TO 48 902 38 1,899 38 18.04% 6.47% 1.025 0.119 49.966 1.96% 1,046 9 2,115 23 13.98% 2.03% 1.929 0.230
2 48 TO 60 582 42 1,225 42 11.64% 7.16% 0.487 0.022 29.169 3.31% 765 6 1,504 15 9.94% 1.35% 1.993 0.171
3 60 TO 84 2,019 200 4,250 200 40.38% 34.07% 0.170 0.011 21.250 4.49% 2,766 68 5,370 174 35.49% 15.35% 0.838 0.169
4 84 TO 96 216 29 455 29 4.32% 4.94% -0.134 0.001 15.679 6.00% 356 19 670 49 4.43% 4.29% 0.032 0.000
5 96 TO 120 1,281 278 2,697 278 25.62% 47.36% -0.614 0.134 9.700 9.35% 3,045 341 5,473 874 36.17% 76.98% -0.755 0.308
6 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.285 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.879
F_FAC_INT_RATE_VALUE: Interest Rate

WOE Odds Rate WOE
1 LOW TO 2.85 3,264 242 6,871 242 65.28% 41.23% 0.460 0.111 28.391 3.40% 4,768 143 9,235 367 61.03% 32.28% 0.637 0.183
2 2.85 TO 3.50 1,228 181 2,585 181 24.56% 30.83% -0.228 0.014 14.281 6.54% 1,803 91 3,428 233 22.66% 20.54% 0.098 0.002
3 3.50 TO 3.88 244 55 514 55 4.88% 9.37% -0.652 0.029 9.339 9.67% 933 166 1,635 426 10.80% 37.47% -1.244 0.332
4 3.88 TO 4.00 259 108 545 108 5.18% 18.40% -1.267 0.168 5.048 16.53% 468 43 823 110 5.44% 9.71% -0.579 0.025
5 4.00 TO HIGH 5 1 11 1 0.10% 0.17% -0.533 0.000 10.525 8.68% 6 . 12 . 0.08% . . .
6 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.322 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.542
F_APPLICANT_PROP_RAR: Repayment Ability Ratio (RAR)

WOE Odds Rate WOE
1 LOW TO 8.7 487 31 1,025 31 9.74% 5.28% 0.612 0.027 33.069 2.94% 652 6 1,281 15 8.47% 1.35% 1.833 0.130
2 8.7 TO 11.0 342 32 720 32 6.84% 5.45% 0.227 0.003 22.497 4.26% 498 3 960 8 6.35% 0.68% 2.238 0.127
3 11.0 TO 13.7 482 30 1,015 30 9.64% 5.11% 0.635 0.029 33.820 2.87% 713 11 1,383 28 9.14% 2.48% 1.303 0.087
4 13.7 TO 15.9 398 33 838 33 7.96% 5.62% 0.348 0.008 25.388 3.79% 652 10 1,242 26 8.21% 2.26% 1.291 0.077
5 15.9 TO 17.6 314 32 661 32 6.28% 5.45% 0.141 0.001 20.655 4.62% 521 14 987 36 6.52% 3.16% 0.725 0.024
6 17.6 TO 19.4 313 31 659 31 6.26% 5.28% 0.170 0.002 21.254 4.49% 540 8 1,019 21 6.74% 1.81% 1.317 0.065
7 19.4 TO 21.3 328 33 690 33 6.56% 5.62% 0.154 0.001 20.922 4.56% 562 8 1,061 21 7.01% 1.81% 1.357 0.071
8 21.3 TO 22.8 227 32 478 32 4.54% 5.45% -0.183 0.002 14.932 6.28% 415 3 772 8 5.10% 0.68% 2.020 0.089
9 22.8 TO 24.0 162 31 341 31 3.24% 5.28% -0.489 0.010 11.000 8.33% 291 5 537 13 3.55% 1.13% 1.145 0.028
10 24.0 TO 25.4 148 31 312 31 2.96% 5.28% -0.579 0.013 10.050 9.05% 272 9 499 23 3.30% 2.03% 0.484 0.006
11 25.4 TO 27.4 222 34 467 34 4.44% 5.79% -0.266 0.004 13.744 6.78% 378 5 706 13 4.67% 1.13% 1.420 0.050
12 27.4 TO 29.0 158 28 333 28 3.16% 4.77% -0.412 0.007 11.878 7.77% 278 3 515 8 3.41% 0.68% 1.615 0.044
13 29.0 TO 31.2 164 33 345 33 3.28% 5.62% -0.539 0.013 10.461 8.73% 288 7 531 18 3.51% 1.58% 0.798 0.015
14 31.2 TO 33.8 157 33 330 33 3.14% 5.62% -0.582 0.014 10.015 9.08% 273 3 503 8 3.32% 0.68% 1.591 0.042
15 33.8 TO 37.2 159 32 335 32 3.18% 5.45% -0.539 0.012 10.459 8.73% 280 4 516 10 3.41% 0.90% 1.329 0.033
16 37.2 TO 41.6 147 31 309 31 2.94% 5.28% -0.586 0.014 9.982 9.11% 249 4 460 10 3.04% 0.90% 1.214 0.026
17 41.6 TO 54.4 244 31 514 31 4.88% 5.28% -0.079 0.000 16.568 5.69% 367 13 699 33 4.62% 2.93% 0.454 0.008
18 54.4 TO HIGH 298 33 627 33 5.96% 5.62% 0.058 0.000 19.009 5.00% 440 17 844 44 5.57% 3.84% 0.373 0.006
19 USER_MISSING (999) 250 16 526 16 5.00% 2.73% 0.607 0.014 32.891 2.95% 309 310 615 795 4.06% 69.98% -2.847 1.876
20 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.174 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 2.806
F_APPROVER_ID: Approver ID
WOE Odds Rate WOE
1 CBDCSC 10 . 21 . 0.20% . . . . . 11 . 23 . 0.15% . . .

2 CBDLK1 828 60 1,743 60 16.56% 10.22% 0.483 0.031 29.049 3.33% 1,979 . 3,637 . 24.04% . . .
3 CBDLMC 1,145 58 2,410 58 22.90% 9.88% 0.841 0.109 41.556 2.35% 2,495 . 4,640 . 30.67% . . .
4 CBDQSH 6 . 13 . 0.12% . . . . . 8 . 16 . 0.11% . . .
5 CBDTS2 2,645 420 5,568 420 52.90% 71.55% -0.302 0.056 13.256 7.01% 3,065 . 5,988 . 39.57% . . .
6 CBDWWL 357 49 751 49 7.14% 8.35% -0.156 0.002 15.336 6.12% 406 . 800 . 5.29% . . .
7 CCDLKS 7 . 15 . 0.14% . . . . . 10 . 20 . 0.13% . . .
8 GMTWEC 1 . 2 . 0.02% . . . . . 3 . 5 . 0.04% . . .
9 UOBCC1 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
10 USER_MISSING (NULL) . . . . . . . . . . . 443 . 1,136 . 100.00% . .
11 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.198 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . .
F_GTR_NO: No. of Guarantors

WOE Odds Rate WOE
1 0 4,374 429 9,207 429 87.48% 73.08% 0.180 0.026 21.462 4.45% 6,657 359 12,753 921 84.28% 81.04% 0.039 0.001
2 1 624 158 1,314 158 12.48% 26.92% -0.769 0.111 8.313 10.74% 1,299 84 2,341 215 15.47% 18.96% -0.204 0.007
3 2 2 . 4 . 0.04% . . . . . 22 . 38 . 0.25% . . .
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.137 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.008
F_LTP: Loan to Purchase Price

WOE Odds Rate WOE
1 LOW TO 55.8 934 31 1,966 31 18.68% 5.28% 1.263 0.169 63.422 1.55% 1,095 13 2,216 33 14.64% 2.93% 1.607 0.188
2 55.8 TO 67.1 662 34 1,394 34 13.24% 5.79% 0.827 0.062 40.986 2.38% 869 30 1,718 77 11.36% 6.77% 0.517 0.024
3 67.1 TO 72.3 419 32 882 32 8.38% 5.45% 0.430 0.013 27.562 3.50% 685 17 1,307 44 8.64% 3.84% 0.812 0.039
4 72.3 TO 75.0 215 33 453 33 4.30% 5.62% -0.268 0.004 13.714 6.80% 401 9 743 23 4.91% 2.03% 0.882 0.025
5 75.0 TO 78.7 299 33 629 33 5.98% 5.62% 0.062 0.000 19.073 4.98% 601 20 1,115 51 7.37% 4.51% 0.490 0.014
6 78.7 TO 80.6 199 32 419 32 3.98% 5.45% -0.315 0.005 13.090 7.10% 444 17 809 44 5.35% 3.84% 0.332 0.005
7 80.6 TO 82.5 172 33 362 33 3.44% 5.62% -0.491 0.011 10.972 8.35% 375 13 681 33 4.50% 2.93% 0.427 0.007
8 82.5 TO 84.4 191 29 402 29 3.82% 4.94% -0.257 0.003 13.864 6.73% 377 16 695 41 4.59% 3.61% 0.240 0.002
9 84.4 TO 85.7 125 33 263 33 2.50% 5.62% -0.810 0.025 7.973 11.14% 277 12 496 31 3.28% 2.71% 0.191 0.001
10 85.7 TO 87.6 203 35 427 35 4.06% 5.96% -0.384 0.007 12.209 7.57% 397 18 730 46 4.82% 4.06% 0.171 0.001
11 87.6 TO 89.2 211 35 444 35 4.22% 5.96% -0.346 0.006 12.690 7.30% 371 25 689 64 4.56% 5.64% -0.214 0.002
12 89.2 TO 89.8 116 28 244 28 2.32% 4.77% -0.721 0.018 8.721 10.29% 221 18 402 46 2.65% 4.06% -0.426 0.006
13 89.8 TO 90.3 168 34 354 34 3.36% 5.79% -0.545 0.013 10.401 8.77% 286 22 529 56 3.50% 4.97% -0.351 0.005
14 90.3 TO 92.5 208 33 438 33 4.16% 5.62% -0.301 0.004 13.268 7.01% 335 35 629 90 4.16% 7.90% -0.642 0.024
15 92.5 TO 94.0 138 32 290 32 2.76% 5.45% -0.681 0.018 9.078 9.92% 223 19 412 49 2.72% 4.29% -0.455 0.007
16 94.0 TO 95.7 184 35 387 35 3.68% 5.96% -0.483 0.011 11.066 8.29% 294 34 548 87 3.62% 7.67% -0.750 0.030
17 95.7 TO 100.0 556 65 1,170 65 11.12% 11.07% 0.004 0.000 18.006 5.26% 727 123 1,414 315 9.34% 27.77% -1.089 0.201
18 100.0 TO HIGH . . . . . . . . . . . 2 . 5 . 0.45% . .
19 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.369 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.582
F_LTV: Loan to Valuation

WOE Odds Rate WOE
1 LOW TO 57.1 915 31 1,926 31 18.30% 5.28% 1.243 0.162 62.131 1.58% 1,058 8 2,145 21 14.18% 1.81% 2.061 0.255
2 57.1 TO 68.5 659 34 1,387 34 13.18% 5.79% 0.822 0.061 40.800 2.39% 793 4 1,589 10 10.50% 0.90% 2.454 0.236
3 68.5 TO 73.8 383 31 806 31 7.66% 5.28% 0.372 0.009 26.007 3.70% 507 33 994 85 6.57% 7.45% -0.126 0.001
4 73.8 TO 79.5 426 34 897 34 8.52% 5.79% 0.386 0.011 26.374 3.65% 606 9 1,176 23 7.77% 2.03% 1.342 0.077
5 79.5 TO 82.1 237 32 499 32 4.74% 5.45% -0.140 0.001 15.590 6.03% 421 12 786 31 5.20% 2.71% 0.652 0.016
6 82.1 TO 84.9 202 30 425 30 4.04% 5.11% -0.235 0.003 14.174 6.59% 413 14 760 36 5.02% 3.16% 0.463 0.009
7 84.9 TO 87.8 231 35 486 35 4.62% 5.96% -0.255 0.003 13.893 6.71% 415 12 772 31 5.10% 2.71% 0.633 0.015
8 87.8 TO 89.2 150 36 316 36 3.00% 6.13% -0.715 0.022 8.771 10.23% 358 10 641 26 4.24% 2.26% 0.629 0.012
9 89.2 TO 89.8 97 30 204 30 1.94% 5.11% -0.969 0.031 6.806 12.81% 337 8 587 21 3.88% 1.81% 0.765 0.016
10 89.8 TO 90.4 161 33 339 33 3.22% 5.62% -0.557 0.013 10.270 8.87% 382 7 688 18 4.55% 1.58% 1.057 0.031
11 90.4 TO 92.2 204 31 429 31 4.08% 5.28% -0.258 0.003 13.852 6.73% 353 14 659 36 4.35% 3.16% 0.320 0.004
12 92.2 TO 94.0 186 30 392 30 3.72% 5.11% -0.318 0.004 13.051 7.12% 342 9 633 23 4.19% 2.03% 0.723 0.016
13 94.0 TO 94.7 111 36 234 36 2.22% 6.13% -1.016 0.040 6.490 13.35% 274 2 483 5 3.19% 0.45% 1.956 0.054
14 94.7 TO 95.0 80 31 168 31 1.60% 5.28% -1.194 0.044 5.432 15.55% 195 8 341 21 2.25% 1.81% 0.220 0.001
15 95.0 TO 96.8 142 34 299 34 2.84% 5.79% -0.713 0.021 8.791 10.21% 269 10 489 26 3.23% 2.26% 0.359 0.004
16 96.8 TO 99.8 252 30 530 30 5.04% 5.11% -0.014 0.000 17.682 5.35% 465 20 868 51 5.74% 4.51% 0.240 0.003
17 99.8 TO 100.0 564 69 1,187 69 11.28% 11.75% -0.041 0.000 17.206 5.49% 790 108 1,520 277 10.05% 24.38% -0.887 0.127
18 100.0 TO HIGH . . . . . .. . . . . 120 . 308 . 27.09% . .
19 SYS_MISSING . . . . . .. . . . . 35 . 90 . 7.90% . .
20 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.428 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.876
F_OVER_VAL: Overvaluation (Purchase Price / Valuation)

WOE Odds Rate WOE
1 LOW TO 100.0 2,122 236 4,467 236 42.44% 40.20% 0.054 0.001 18.927 5.02% 2,963 92 5,720 236 37.80% 20.77% 0.599 0.102
2 100.0 TO 100.4 389 29 819 29 7.78% 4.94% 0.454 0.013 28.236 3.42% 456 5 912 13 6.03% 1.13% 1.675 0.082
3 100.4 TO 100.9 285 24 600 24 5.70% 4.09% 0.332 0.005 24.997 3.85% 341 3 678 8 4.48% 0.68% 1.889 0.072
4 100.9 TO 102.0 378 38 796 38 7.56% 6.47% 0.155 0.002 20.939 4.56% 494 6 965 15 6.38% 1.35% 1.549 0.078
5 102.0 TO 103.0 279 32 587 32 5.58% 5.45% 0.023 0.000 18.353 5.17% 385 17 744 44 4.91% 3.84% 0.247 0.003
6 103.0 TO 104.3 270 31 568 31 5.40% 5.28% 0.022 0.000 18.334 5.17% 411 13 784 33 5.18% 2.93% 0.569 0.013
7 104.3 TO 105.7 256 33 539 33 5.12% 5.62% -0.093 0.000 16.330 5.77% 423 17 797 44 5.27% 3.84% 0.317 0.005
8 105.7 TO 107.2 192 33 404 33 3.84% 5.62% -0.381 0.007 12.247 7.55% 350 19 647 49 4.28% 4.29% -0.003 0.000
9 107.2 TO 109.4 260 32 547 32 5.20% 5.45% -0.047 0.000 17.103 5.52% 471 33 880 85 5.82% 7.45% -0.247 0.004
10 109.4 TO 111.2 179 34 377 34 3.58% 5.79% -0.481 0.011 11.082 8.28% 385 37 700 95 4.63% 8.35% -0.591 0.022
11 111.2 TO 113.8 186 32 392 32 3.72% 5.45% -0.382 0.007 12.235 7.56% 455 39 822 100 5.43% 8.80% -0.483 0.016
12 113.8 TO HIGH 204 33 429 33 4.08% 5.62% -0.321 0.005 13.013 7.14% 844 127 1,483 326 9.80% 28.67% -1.073 0.203
13 SYS_MISSING . . . . . . . . . . . 35 . 90 . 7.90% . .
14 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.051 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.598
F_COND_GTR: Guarantor Request Flag

WOE Odds Rate WOE
1 N 4,476 447 9,422 447 89.52% 76.15% 0.162 0.022 21.078 4.53% 7,175 438 13,655 1,123 90.24% 98.87% -0.091 0.008
2 Y 524 140 1,103 140 10.48% 23.85% -0.822 0.110 7.879 11.26% 803 5 1,477 13 9.76% 1.13% 2.157 0.186
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.132 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.194
F_COND_LOAN_REDUCE: Loan Reduce Flag

WOE Odds Rate WOE
1 N 4,934 581 10,386 581 98.68% 98.98% -0.003 0.000 17.876 5.30% 6,544 292 12,697 749 83.91% 65.91% 0.241 0.043
2 Y 66 6 139 6 1.32% 1.02% 0.256 0.001 23.155 4.14% 1,434 151 2,435 387 16.09% 34.09% -0.751 0.135
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.001 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.179
F_REQ_LTP: Requested Loan to Purchase Price

WOE Odds Rate WOE
1 LOW TO 55.8 931 31 1,960 31 18.62% 5.28% 1.260 0.168 63.218 1.56% 1,088 4 2,203 10 14.56% 0.90% 2.780 0.380
2 55.8 TO 67.1 661 34 1,391 34 13.22% 5.79% 0.825 0.061 40.924 2.39% 793 6 1,590 15 10.51% 1.35% 2.049 0.188
3 67.1 TO 72.3 416 32 876 32 8.32% 5.45% 0.423 0.012 27.365 3.53% 542 . 1,066 . 7.04% . . .
4 72.3 TO 75.0 215 33 453 33 4.30% 5.62% -0.268 0.004 13.714 6.80% 293 3 561 8 3.71% 0.68% 1.701 0.052
5 75.0 TO 78.8 303 33 638 33 6.06% 5.62% 0.075 0.000 19.328 4.92% 421 6 814 15 5.38% 1.35% 1.379 0.055
6 78.8 TO 80.6 191 31 402 31 3.82% 5.28% -0.324 0.005 12.970 7.16% 288 11 544 28 3.60% 2.48% 0.370 0.004
7 80.6 TO 82.6 178 33 375 33 3.56% 5.62% -0.457 0.009 11.354 8.09% 282 11 527 28 3.48% 2.48% 0.338 0.003
8 82.6 TO 84.5 188 34 396 34 3.76% 5.79% -0.432 0.009 11.639 7.91% 283 11 532 28 3.52% 2.48% 0.348 0.004
9 84.5 TO 85.8 130 32 274 32 2.60% 5.45% -0.740 0.021 8.552 10.47% 224 8 410 21 2.71% 1.81% 0.405 0.004
10 85.8 TO 87.7 195 32 410 32 3.90% 5.45% -0.335 0.005 12.827 7.23% 316 15 592 38 3.91% 3.39% 0.145 0.001
11 87.7 TO 89.2 206 33 434 33 4.12% 5.62% -0.311 0.005 13.140 7.07% 348 21 650 54 4.29% 4.74% -0.099 0.000
12 89.2 TO 89.9 152 37 320 37 3.04% 6.30% -0.729 0.024 8.648 10.37% 315 39 569 100 3.76% 8.80% -0.851 0.043
13 89.9 TO 90.3 133 27 280 27 2.66% 4.60% -0.548 0.011 10.369 8.80% 282 19 512 49 3.38% 4.29% -0.237 0.002
14 90.3 TO 92.5 209 33 440 33 4.18% 5.62% -0.296 0.004 13.332 6.98% 423 35 777 90 5.14% 7.90% -0.431 0.012
15 92.5 TO 94.0 139 32 293 32 2.78% 5.45% -0.673 0.018 9.144 9.86% 298 23 538 59 3.56% 5.19% -0.378 0.006
16 94.0 TO 95.7 184 35 387 35 3.68% 5.96% -0.483 0.011 11.066 8.29% 424 50 767 128 5.07% 11.29% -0.801 0.050
17 95.7 TO 100.0 563 63 1,185 63 11.26% 10.73% 0.048 0.000 18.811 5.05% 1,338 179 2,445 459 16.16% 40.41% -0.916 0.222
18 100.0 TO HIGH 6 2 13 2 0.12% 0.34% -1.044 0.002 6.315 13.67% 20 2 35 5 0.23% 0.45% -0.674 0.001
19 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.370 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 1.027
F_REQ_LTV: Requested Loan to Valuation

WOE Odds Rate WOE
1 LOW TO 57.1 912 31 1,920 31 18.24% 5.28% 1.239 0.161 61.928 1.59% 1,055 4 2,139 10 14.14% 0.90% 2.751 0.364
2 57.1 TO 68.5 658 34 1,385 34 13.16% 5.79% 0.821 0.060 40.738 2.40% 788 3 1,580 8 10.44% 0.68% 2.736 0.267
3 68.5 TO 73.8 378 31 796 31 7.56% 5.28% 0.359 0.008 25.667 3.75% 475 2 938 5 6.20% 0.45% 2.619 0.150
4 73.8 TO 79.5 426 34 897 34 8.52% 5.79% 0.386 0.011 26.374 3.65% 544 4 1,072 10 7.08% 0.90% 2.060 0.127
5 79.5 TO 82.1 233 32 490 32 4.66% 5.45% -0.157 0.001 15.327 6.12% 327 4 627 10 4.14% 0.90% 1.523 0.049
6 82.1 TO 85.0 209 33 440 33 4.18% 5.62% -0.296 0.004 13.332 6.98% 302 10 574 26 3.79% 2.26% 0.519 0.008
7 85.0 TO 87.9 231 33 486 33 4.62% 5.62% -0.196 0.002 14.735 6.36% 315 7 605 18 4.00% 1.58% 0.928 0.022
8 87.9 TO 89.2 144 34 303 34 2.88% 5.79% -0.699 0.020 8.915 10.09% 216 7 401 18 2.65% 1.58% 0.517 0.006
9 89.2 TO 89.8 98 29 206 29 1.96% 4.94% -0.924 0.028 7.113 12.33% 161 5 292 13 1.93% 1.13% 0.538 0.004
10 89.8 TO 90.4 161 34 339 34 3.22% 5.79% -0.587 0.015 9.968 9.12% 245 3 457 8 3.02% 0.68% 1.495 0.035
11 90.4 TO 92.2 204 31 429 31 4.08% 5.28% -0.258 0.003 13.852 6.73% 298 14 566 36 3.74% 3.16% 0.169 0.001
12 92.2 TO 94.1 194 34 408 34 3.88% 5.79% -0.401 0.008 12.011 7.69% 307 7 575 18 3.80% 1.58% 0.878 0.019
13 94.1 TO 94.7 100 32 210 32 2.00% 5.45% -1.003 0.035 6.578 13.20% 160 1 290 3 1.91% 0.23% 2.137 0.036
14 94.7 TO 95.2 103 33 217 33 2.06% 5.62% -1.004 0.036 6.570 13.21% 169 10 305 26 2.02% 2.26% -0.112 0.000
15 95.2 TO 97.1 138 35 290 35 2.76% 5.96% -0.770 0.025 8.300 10.75% 261 12 473 31 3.13% 2.71% 0.144 0.001
16 97.1 TO 99.8 225 27 474 27 4.50% 4.60% -0.022 0.000 17.542 5.39% 423 11 788 28 5.21% 2.48% 0.741 0.020
17 99.8 TO 100.0 570 68 1,200 68 11.40% 11.58% -0.016 0.000 17.645 5.36% 938 52 1,772 133 11.71% 11.74% -0.002 0.000
18 100.0 TO HIGH 16 2 34 2 0.32% 0.34% -0.063 0.000 16.840 5.61% 994 252 1,677 646 11.08% 56.88% -1.636 0.749
19 SYS_MISSING . . . . . . . . . . . 35 . 90 . 7.90% . .
20 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.416 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 1.861
F_VEH_MAC_VENDOR_CODE_GRP: Dealer Group

WOE Odds Rate WOE
1 1st Tier Distributors 2,594 197 5,460 197 51.88% 33.56% 0.436 0.080 27.718 3.48% 3,217 63 6,374 162 42.12% 14.22% 1.086 0.303
2 2nd Tier 142 26 299 26 2.84% 4.43% -0.444 0.007 11.497 8.00% 212 11 399 28 2.64% 2.48% 0.060 0.000
Distributors/Authoris
3 Finance Brokers/Used Cars 1,225 238 2,579 238 24.50% 40.55% -0.504 0.081 10.835 8.45% 2,884 251 5,206 644 34.40% 56.66% -0.499 0.111
Deal
4 Others 359 64 756 64 7.18% 10.90% -0.418 0.016 11.808 7.81% 611 57 1,136 146 7.51% 12.87% -0.539 0.029
5 Parallel Importers 680 62 1,431 62 13.60% 10.56% 0.253 0.008 23.087 4.15% 1,054 61 2,018 156 13.34% 13.77% -0.032 0.000
6 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.191 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.443
F_GTR_PROP_RAR: Guarantor RAR

WOE Odds Rate WOE
1 LOW TO 12.2 43 2 91 2 0.86% 0.34% 0.926 0.005 45.258 2.16% 116 2 212 5 1.40% 0.45% 1.132 0.011
2 12.2 TO 17.9 40 3 84 3 0.80% 0.51% 0.448 0.001 28.067 3.44% 159 4 282 10 1.87% 0.90% 0.725 0.007
3 17.9 TO 20.3 19 2 40 2 0.38% 0.34% 0.109 0.000 19.998 4.76% 69 . 123 . 0.81% . . .
4 20.3 TO 23.5 19 3 40 3 0.38% 0.51% -0.296 0.000 13.332 6.98% 82 4 144 10 0.95% 0.90% 0.052 0.000
5 23.5 TO 28.0 13 3 27 3 0.26% 0.51% -0.676 0.002 9.122 9.88% 87 5 150 13 0.99% 1.13% -0.132 0.000
6 28.0 TO 30.5 10 2 21 2 0.20% 0.34% -0.533 0.001 10.525 8.68% 55 1 95 3 0.63% 0.23% 1.027 0.004
7 30.5 TO 33.5 11 3 23 3 0.22% 0.51% -0.843 0.002 7.718 11.47% 46 . 80 . 0.53% . . .
8 33.5 TO 38.9 10 2 21 2 0.20% 0.34% -0.533 0.001 10.525 8.68% 57 1 99 3 0.65% 0.23% 1.061 0.005
9 38.9 TO 51.6 14 3 29 3 0.28% 0.51% -0.602 0.001 9.823 9.24% 48 . 85 . 0.56% . . .
10 51.6 TO HIGH 25 3 53 3 0.50% 0.51% -0.022 0.000 17.542 5.39% 48 2 89 5 0.59% 0.45% 0.267 0.000
11 SYS_MISSING 4,374 429 9,207 429 87.48% 73.08% 0.180 0.026 21.462 4.45% 6,657 359 12,753 921 84.28% 81.04% 0.039 0.001
12 USER_MISSING (999) 422 132 888 132 8.44% 22.49% -0.980 0.138 6.730 12.94% 554 65 1,020 167 6.74% 14.67% -0.778 0.062
13 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.177 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.090
UOB_CC: # Unsecured Credit Cards with UOB

WOE Odds Rate WOE
1 0 1,997 257 4,204 257 39.94% 43.78% -0.092 0.004 16.357 5.76% 3,223 261 6,090 669 40.24% 58.92% -0.381 0.071
2 1 1,028 75 2,164 75 20.56% 12.78% 0.476 0.037 28.853 3.35% 1,498 40 2,903 103 19.18% 9.03% 0.754 0.077
3 2 682 55 1,436 55 13.64% 9.37% 0.376 0.016 26.102 3.69% 999 19 1,931 49 12.76% 4.29% 1.090 0.092
4 3 404 24 850 24 8.08% 4.09% 0.681 0.027 35.434 2.74% 569 13 1,111 33 7.35% 2.93% 0.918 0.040
5 4 153 12 322 12 3.06% 2.04% 0.403 0.004 26.839 3.59% 243 3 465 8 3.07% 0.68% 1.513 0.036
6 5 71 5 149 5 1.42% 0.85% 0.511 0.003 29.891 3.24% 101 4 196 10 1.30% 0.90% 0.363 0.001
7 6 27 5 57 5 0.54% 0.85% -0.456 0.001 11.367 8.09% 36 . 69 . 0.45% . . .
8 7 15 1 32 1 0.30% 0.17% 0.566 0.001 31.575 3.07% 17 . 34 . 0.23% . . .
9 8 6 . 13 . 0.12% . . . . . 8 . 16 . 0.11% . . .
10 9 . 1 . 1 . 0.17% . . . . 1 . 1 . 0.01% . . .
11 10 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
12 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
13 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.194 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.352
UOB_PC: # Partially Secured Credit Cards with UOB

WOE Odds Rate WOE
1 0 4,384 435 9,228 435 87.68% 74.11% 0.168 0.023 21.215 4.50% 6,697 340 12,821 872 84.73% 76.75% 0.099 0.008
2 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
UOB_SC: # Secured Credit Cards with UOB

WOE Odds Rate WOE
1 0 4,351 434 9,159 434 87.02% 73.94% 0.163 0.021 21.103 4.52% 6,658 338 12,742 867 84.21% 76.30% 0.099 0.008
2 1 19 1 40 1 0.38% 0.17% 0.802 0.002 39.995 2.44% 23 1 46 3 0.30% 0.23% 0.298 0.000
3 2 6 . 13 . 0.12% . . . . . 8 1 16 3 0.11% 0.23% -0.759 0.001
4 3 6 . 13 . 0.12% . . . . . 6 . 13 . 0.08% . . .
5 4 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
6 7 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
7 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.042
UOB_HD: # HDB Loan with UOB

WOE Odds Rate WOE
1 0 4,354 430 9,165 430 87.08% 73.25% 0.173 0.024 21.314 4.48% 6,644 339 12,722 869 84.08% 76.52% 0.094 0.007
2 1 30 5 63 5 0.60% 0.85% -0.350 0.001 12.630 7.34% 53 1 98 3 0.65% 0.23% 1.058 0.004
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.126 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.045
UOB_PR: # Private Real Estate Loan with UOB

WOE Odds Rate WOE
1 0 4,119 412 8,670 412 82.38% 70.19% 0.160 0.020 21.045 4.54% 6,332 330 12,111 846 80.03% 74.49% 0.072 0.004
2 1 223 19 469 19 4.46% 3.24% 0.321 0.004 24.706 3.89% 303 7 591 18 3.91% 1.58% 0.905 0.021
3 2 38 2 80 2 0.76% 0.34% 0.802 0.003 39.995 2.44% 52 3 102 8 0.68% 0.68% -0.003 0.000
4 3 4 2 8 2 0.08% 0.34% -1.449 0.004 4.210 19.19% 8 . 14 . 0.09% . . .
5 4 . . . . . . . . . . 1 . 2 . 0.01% . . .
6 5 . . . . . . . . . . 1 . 2 . 0.01% . . .
7 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.131 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.059
UOB_RL: # Real Estate Loan with UOB

WOE Odds Rate WOE
1 0 4,382 435 9,224 435 87.64% 74.11% 0.168 0.023 21.205 4.50% 6,695 340 12,817 872 84.70% 76.75% 0.099 0.008
2 1 2 . 4 . 0.04% . . . . . 2 . 4 . 0.03% . . .
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
UOB_MV: # Motor Vehicle Loan with UOB

WOE Odds Rate WOE
1 0 3,919 404 8,249 404 78.38% 68.82% 0.130 0.012 20.420 4.67% 6,099 310 11,639 795 76.92% 69.98% 0.095 0.007
2 1 454 31 956 31 9.08% 5.28% 0.542 0.021 30.828 3.14% 587 30 1,158 77 7.65% 6.77% 0.122 0.001
3 2 10 . 21 . 0.20% . . . . . 10 . 21 . 0.14% . . .
4 4 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
5 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
6 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.134 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
UOB_OD: # Unsecured Overdraft with UOB

WOE Odds Rate WOE
1 0 3,675 357 7,736 357 73.50% 60.82% 0.189 0.024 21.669 4.41% 5,541 299 10,630 767 70.25% 67.49% 0.040 0.001
2 1 707 78 1,488 78 14.14% 13.29% 0.062 0.001 19.080 4.98% 1,152 41 2,183 105 14.43% 9.26% 0.444 0.023
3 2 2 . 4 . 0.04% . . . . . 4 . 8 . 0.05% . . .
4 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
5 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.125 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.058
UOB_PO: # Partially Secured Overdraft with UOB

WOE Odds Rate WOE
1 0 4,384 435 9,228 435 87.68% 74.11% 0.168 0.023 21.215 4.50% 6,697 340 12,821 872 84.73% 76.75% 0.099 0.008
2 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
UOB_SO: # Secured Overdraft with UOB

WOE Odds Rate WOE
1 0 4,353 432 9,163 432 87.06% 73.59% 0.168 0.023 21.211 4.50% 6,659 339 12,746 869 84.23% 76.52% 0.096 0.007
2 1 28 2 59 2 0.56% 0.34% 0.497 0.001 29.470 3.28% 34 1 68 3 0.45% 0.23% 0.684 0.002
3 2 3 1 6 1 0.06% 0.17% -1.044 0.001 6.315 13.67% 4 . 7 . 0.05% . . .
4 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
5 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.126 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.042
UOB_PL: # Unsecured Personal Loan with UOB

WOE Odds Rate WOE
1 0 4,384 435 9,228 435 87.68% 74.11% 0.168 0.023 21.215 4.50% 6,697 340 12,821 872 84.73% 76.75% 0.099 0.008
2 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
UOB_PP: # Partially Secured Personal Loan with UOB
WOE Odds Rate WOE
1 0 4,384 435 9,228 435 87.68% 74.11% 0.168 0.023 21.215 4.50% 6,697 340 12,821 872 84.73% 76.75% 0.099 0.008
2 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
UOB_SP: # Secured Personal Loan with UOB

WOE Odds Rate WOE
1 0 4,384 435 9,228 435 87.68% 74.11% 0.168 0.023 21.215 4.50% 6,697 340 12,821 872 84.73% 76.75% 0.099 0.008
2 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
UOB_OTH: # Other Facilities with UOB

WOE Odds Rate WOE
1 0 4,328 429 9,110 429 86.56% 73.08% 0.169 0.023 21.236 4.50% 6,612 332 12,658 851 83.65% 74.94% 0.110 0.010
2 1 49 5 103 5 0.98% 0.85% 0.140 0.000 20.629 4.62% 76 8 145 21 0.96% 1.81% -0.633 0.005
3 2 5 1 11 1 0.10% 0.17% -0.533 0.000 10.525 8.68% 7 . 13 . 0.09% . . .
4 3 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
5 15 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
6 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
7 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.048
OTH_CC: # Unsecured Credit Cards with Other Banks

WOE Odds Rate WOE
1 0 673 99 1,417 99 13.46% 16.87% -0.226 0.008 14.310 6.53% 1,100 110 2,067 282 13.66% 24.83% -0.598 0.067
2 1 607 67 1,278 67 12.14% 11.41% 0.062 0.000 19.071 4.98% 927 59 1,770 151 11.70% 13.32% -0.130 0.002
3 2 689 60 1,450 60 13.78% 10.22% 0.299 0.011 24.172 3.97% 1,010 46 1,949 118 12.88% 10.38% 0.216 0.005
4 3 626 51 1,318 51 12.52% 8.69% 0.365 0.014 25.838 3.73% 921 38 1,779 97 11.76% 8.58% 0.315 0.010
5 4 466 39 981 39 9.32% 6.64% 0.338 0.009 25.152 3.82% 690 36 1,331 92 8.80% 8.13% 0.079 0.001
6 5 354 36 745 36 7.08% 6.13% 0.144 0.001 20.699 4.61% 559 7 1,065 18 7.04% 1.58% 1.494 0.082
7 6 270 24 568 24 5.40% 4.09% 0.278 0.004 23.681 4.05% 401 8 772 21 5.10% 1.81% 1.039 0.034
8 7 166 14 349 14 3.32% 2.39% 0.331 0.003 24.959 3.85% 255 5 490 13 3.24% 1.13% 1.053 0.022
9 8 136 18 286 18 2.72% 3.07% -0.120 0.000 15.904 5.92% 210 9 398 23 2.63% 2.03% 0.259 0.002
10 9 105 9 221 9 2.10% 1.53% 0.315 0.002 24.558 3.91% 163 4 312 10 2.06% 0.90% 0.827 0.010
11 10 67 4 141 4 1.34% 0.68% 0.676 0.004 35.259 2.76% 107 7 206 18 1.36% 1.58% -0.151 0.000
12 11 48 1 101 1 0.96% 0.17% 1.729 0.014 101.040 0.98% 78 5 151 13 1.00% 1.13% -0.124 0.000
13 12 47 4 99 4 0.94% 0.68% 0.322 0.001 24.734 3.89% 83 2 157 5 1.04% 0.45% 0.830 0.005
14 13 35 2 74 2 0.70% 0.34% 0.720 0.003 36.837 2.64% 54 1 104 3 0.69% 0.23% 1.116 0.005
15 14 25 2 53 2 0.50% 0.34% 0.384 0.001 26.312 3.66% 38 1 73 3 0.48% 0.23% 0.761 0.002
16 15 31 1 65 1 0.62% 0.17% 1.292 0.006 65.255 1.51% 36 . 73 . 0.48% . . .
17 16 12 . 25 . 0.24% . . . . . 17 1 34 3 0.22% 0.23% -0.014 0.000
18 17 7 1 15 1 0.14% 0.17% -0.196 0.000 14.735 6.36% 10 . 19 . 0.13% . . .
19 18 5 1 11 1 0.10% 0.17% -0.533 0.000 10.525 8.68% 8 . 15 . 0.10% . . .
20 19 5 . 11 . 0.10% . . . . . 11 . 21 . 0.14% . . .
21 20 2 . 4 . 0.04% . . . . . 3 . 6 . 0.04% . . .
22 21 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
23 22 1 . 2 . 0.02% . . . . . 4 . 7 . 0.05% . . .
24 23 2 . 4 . 0.04% . . . . . 3 1 6 3 0.04% 0.23% -1.758 0.003
25 24 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
26 25 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
27 26 . 1 . 1 . 0.17% . . . . 1 . 1 . 0.01% . . .
28 27 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
29 28 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
30 29 . 1 . 1 . 0.17% . . . . 1 . 1 . 0.01% . . .
31 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
32 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.181 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.283
OTH_PC: # Partially Secured Credit Cards with Other Banks

WOE Odds Rate WOE
1 0 4,384 435 9,228 435 87.68% 74.11% 0.168 0.023 21.215 4.50% 6,697 340 12,821 872 84.73% 76.75% 0.099 0.008
2 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
OTH_SC: # Secured Credit Cards with Other Banks

WOE Odds Rate WOE
1 0 4,360 434 9,178 434 87.20% 73.94% 0.165 0.022 21.147 4.52% 6,665 340 12,758 872 84.31% 76.75% 0.094 0.007
2 1 18 1 38 1 0.36% 0.17% 0.748 0.001 37.890 2.57% 23 . 46 . 0.30% . . .
3 2 3 . 6 . 0.06% . . . . . 4 . 8 . 0.05% . . .
4 3 2 . 4 . 0.04% . . . . . 4 . 8 . 0.05% . . .
5 5 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
6 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
7 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
OTH_HD: # HDB Loan with Other Banks

WOE Odds Rate WOE
1 0 4,323 426 9,100 426 86.46% 72.57% 0.175 0.024 21.361 4.47% 6,510 299 12,487 767 82.52% 67.49% 0.201 0.030
2 1 58 9 122 9 1.16% 1.53% -0.279 0.001 13.566 6.87% 181 40 323 103 2.13% 9.03% -1.443 0.100
3 2 2 . 4 . 0.04% . . . . . 4 . 8 . 0.05% . . .
4 3 1 . 2 . 0.02% . . . . . 2 1 4 3 0.03% 0.23% -2.200 0.004
5 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
6 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.126 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.168
OTH_PR: # Private Real Estate Loan with Other Banks

WOE Odds Rate WOE
1 0 4,042 416 8,508 416 80.84% 70.87% 0.132 0.013 20.453 4.66% 6,179 323 11,818 828 78.10% 72.91% 0.069 0.004
2 1 291 17 613 17 5.82% 2.90% 0.698 0.020 36.033 2.70% 447 15 863 38 5.70% 3.39% 0.522 0.012
3 2 44 1 93 1 0.88% 0.17% 1.642 0.012 92.620 1.07% 59 2 117 5 0.77% 0.45% 0.539 0.002
4 3 6 1 13 1 0.12% 0.17% -0.350 0.000 12.630 7.34% 11 . 20 . 0.13% . . .
5 4 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
6 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
7 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.146 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.051
OTH_RL: # Real Estate Loan with Other Banks

WOE Odds Rate WOE
1 0 3,748 363 7,890 363 74.96% 61.84% 0.192 0.025 21.734 4.40% 5,820 306 11,126 785 73.53% 69.07% 0.062 0.003
2 1 504 54 1,061 54 10.08% 9.20% 0.091 0.001 19.647 4.84% 682 30 1,323 77 8.75% 6.77% 0.256 0.005
3 2 111 14 234 14 2.22% 2.39% -0.072 0.000 16.690 5.65% 162 2 310 5 2.05% 0.45% 1.512 0.024
4 3 13 3 27 3 0.26% 0.51% -0.676 0.002 9.122 9.88% 22 2 40 5 0.27% 0.45% -0.524 0.001
5 4 6 1 13 1 0.12% 0.17% -0.350 0.000 12.630 7.34% 8 . 15 . 0.10% . . .
6 5 2 . 4 . 0.04% . . . . . 3 . 6 . 0.04% . . .
7 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.129 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.066
OTH_MV: # Motor Vehicle Loan with Other Banks

WOE Odds Rate WOE
1 0 2,441 210 5,138 210 48.82% 35.78% 0.311 0.041 24.468 3.93% 3,601 198 6,946 508 45.90% 44.70% 0.027 0.000
2 1 1,857 210 3,909 210 37.14% 35.78% 0.037 0.001 18.614 5.10% 2,957 137 5,615 351 37.11% 30.93% 0.182 0.011
3 2 76 13 160 13 1.52% 2.21% -0.376 0.003 12.306 7.52% 122 5 228 13 1.51% 1.13% 0.291 0.001
4 3 7 1 15 1 0.14% 0.17% -0.196 0.000 14.735 6.36% 12 . 22 . 0.15% . . .
5 4 2 1 4 1 0.04% 0.17% -1.449 0.002 4.210 19.19% 3 . 5 . 0.03% . . .
6 6 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
7 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.146 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.046
OTH_OD: # Unsecured Overdraft with Other Banks
WOE Odds Rate WOE
1 0 2,410 220 5,073 220 48.20% 37.48% 0.252 0.027 23.059 4.16% 3,524 200 6,796 513 44.91% 45.15% -0.005 0.000
2 1 1,090 103 2,294 103 21.80% 17.55% 0.217 0.009 22.276 4.30% 1,679 69 3,215 177 21.24% 15.58% 0.310 0.018
3 2 512 74 1,078 74 10.24% 12.61% -0.208 0.005 14.564 6.42% 834 43 1,569 110 10.37% 9.71% 0.066 0.000
4 3 223 21 469 21 4.46% 3.58% 0.220 0.002 22.353 4.28% 391 15 738 38 4.87% 3.39% 0.364 0.005
5 4 101 10 213 10 2.02% 1.70% 0.170 0.001 21.260 4.49% 179 9 337 23 2.23% 2.03% 0.092 0.000
6 5 30 5 63 5 0.60% 0.85% -0.350 0.001 12.630 7.34% 64 3 117 8 0.77% 0.68% 0.132 0.000
7 6 14 2 29 2 0.28% 0.34% -0.196 0.000 14.735 6.36% 20 1 38 3 0.25% 0.23% 0.112 0.000
8 7 4 . 8 . 0.08% . . . . . 6 . 12 . 0.08% . . .
9 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
10 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.145 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.057
OTH_PO: # Partially Secured Overdraft with Other Banks

WOE Odds Rate WOE
1 0 4,383 435 9,226 435 87.66% 74.11% 0.168 0.023 21.210 4.50% 6,696 340 12,819 872 84.71% 76.75% 0.099 0.008
2 1 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
OTH_SO: # Secured Overdraft with Other Banks

WOE Odds Rate WOE
1 0 4,370 432 9,199 432 87.40% 73.59% 0.172 0.024 21.294 4.49% 6,673 339 12,777 869 84.43% 76.52% 0.098 0.008
2 1 14 3 29 3 0.28% 0.51% -0.602 0.001 9.823 9.24% 24 1 44 3 0.29% 0.23% 0.259 0.000
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.126 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
OTH_PL: # Unsecured Personal Loan with Other Banks
WOE Odds Rate WOE
1 0 4,216 401 8,875 401 84.32% 68.31% 0.211 0.034 22.131 4.32% 6,282 293 12,075 751 79.80% 66.14% 0.188 0.026
2 1 145 24 305 24 2.90% 4.09% -0.343 0.004 12.718 7.29% 337 38 612 97 4.04% 8.58% -0.752 0.034
3 2 20 9 42 9 0.40% 1.53% -1.344 0.015 4.678 17.61% 66 9 113 23 0.75% 2.03% -0.998 0.013
4 3 3 1 6 1 0.06% 0.17% -1.044 0.001 6.315 13.67% 11 . 19 . 0.13% . . .
5 4 . . . . . . . . . . 1 . 2 . 0.01% . . .
6 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
7 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.155 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.106
OTH_PP: # Partially Secured Personal Loan with Other Banks

WOE Odds Rate WOE
1 0 4,384 435 9,228 435 87.68% 74.11% 0.168 0.023 21.215 4.50% 6,697 340 12,821 872 84.73% 76.75% 0.099 0.008
2 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
OTH_SP: # Secured Personal Loan with Other Banks

WOE Odds Rate WOE
1 0 4,374 435 9,207 435 87.48% 74.11% 0.166 0.022 21.166 4.51% 6,679 339 12,786 869 84.50% 76.52% 0.099 0.008
2 1 9 . 19 . 0.18% . . . . . 17 1 32 3 0.21% 0.23% -0.053 0.000
3 2 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
4 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
5 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.123 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
OTH_OTH: # Other Facilities with Other Banks

WOE Odds Rate WOE
1 0 4,313 419 9,079 419 86.26% 71.38% 0.189 0.028 21.668 4.41% 6,495 288 12,462 739 82.36% 65.01% 0.236 0.041
2 1 67 15 141 15 1.34% 2.56% -0.646 0.008 9.402 9.61% 173 28 309 72 2.04% 6.32% -1.130 0.048
3 2 4 1 8 1 0.08% 0.17% -0.756 0.001 8.420 10.62% 27 22 46 56 0.31% 4.97% -2.785 0.130
4 3 . . . . . . . . . . 1 2 2 5 0.01% 0.45% -3.705 0.016
5 4 . . . . . . . . . . 1 . 2 . 0.01% . . .
6 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
7 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.138 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.269
TOTAL_CC: # Unsecured Credit Cards

WOE Odds Rate WOE
1 0 450 78 947 78 9.00% 13.29% -0.390 0.017 12.144 7.61% 781 104 1,451 267 9.59% 23.48% -0.896 0.124
2 1 463 56 975 56 9.26% 9.54% -0.030 0.000 17.404 5.43% 725 57 1,377 146 9.10% 12.87% -0.346 0.013
3 2 537 54 1,130 54 10.74% 9.20% 0.155 0.002 20.933 4.56% 808 43 1,549 110 10.24% 9.71% 0.053 0.000
4 3 588 53 1,238 53 11.76% 9.03% 0.264 0.007 23.354 4.11% 865 32 1,667 82 11.02% 7.22% 0.422 0.016
5 4 504 39 1,061 39 10.08% 6.64% 0.417 0.014 27.203 3.55% 738 27 1,428 69 9.44% 6.09% 0.437 0.015
6 5 400 38 842 38 8.00% 6.47% 0.212 0.003 22.158 4.32% 607 20 1,164 51 7.69% 4.51% 0.533 0.017
7 6 325 31 684 31 6.50% 5.28% 0.208 0.003 22.069 4.33% 489 12 939 31 6.20% 2.71% 0.829 0.029
8 7 288 20 606 20 5.76% 3.41% 0.525 0.012 30.312 3.19% 415 8 806 21 5.33% 1.81% 1.082 0.038
9 8 169 12 356 12 3.38% 2.04% 0.503 0.007 29.645 3.26% 246 7 477 18 3.15% 1.58% 0.691 0.011
10 9 147 15 309 15 2.94% 2.56% 0.140 0.001 20.629 4.62% 220 7 422 18 2.79% 1.58% 0.568 0.007
11 10 109 9 229 9 2.18% 1.53% 0.352 0.002 25.494 3.77% 173 3 331 8 2.19% 0.68% 1.172 0.018
12 11 87 6 183 6 1.74% 1.02% 0.532 0.004 30.522 3.17% 140 5 268 13 1.77% 1.13% 0.451 0.003
13 12 61 4 128 4 1.22% 0.68% 0.582 0.003 32.101 3.02% 98 5 188 13 1.24% 1.13% 0.095 0.000
14 13 44 5 93 5 0.88% 0.85% 0.033 0.000 18.524 5.12% 75 2 141 5 0.93% 0.45% 0.727 0.004
15 14 53 4 112 4 1.06% 0.68% 0.442 0.002 27.891 3.46% 74 4 144 10 0.95% 0.90% 0.054 0.000
16 15 35 4 74 4 0.70% 0.68% 0.027 0.000 18.419 5.15% 60 1 113 3 0.75% 0.23% 1.196 0.006
17 16 23 . 48 . 0.46% . . . . . 34 1 67 3 0.44% 0.23% 0.672 0.001
18 17 20 2 42 2 0.40% 0.34% 0.160 0.000 21.050 4.54% 32 . 61 . 0.40% . . .
19 18 19 1 40 1 0.38% 0.17% 0.802 0.002 39.995 2.44% 27 . 53 . 0.35% . . .
20 19 24 . 51 . 0.48% . . . . . 27 . 56 . 0.37% . . .
21 20 5 . 11 . 0.10% . . . . . 12 . 22 . 0.15% . . .
22 21 10 1 21 1 0.20% 0.17% 0.160 0.000 21.050 4.54% 13 1 25 3 0.17% 0.23% -0.296 0.000
23 22 6 . 13 . 0.12% . . . . . 7 . 14 . 0.09% . . .
24 23 4 1 8 1 0.08% 0.17% -0.756 0.001 8.420 10.62% 8 . 14 . 0.10% . . .
25 24 4 . 8 . 0.08% . . . . . 5 . 10 . 0.07% . . .
26 25 2 . 4 . 0.04% . . . . . 3 . 6 . 0.04% . . .
27 26 1 . 2 . 0.02% . . . . . 1 1 2 3 0.01% 0.23% -2.787 0.006
28 27 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
29 28 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
30 29 1 . 2 . 0.02% . . . . . 3 . 5 . 0.04% . . .
31 31 . . . . . . . . . . 2 . 3 . 0.02% . . .
32 32 2 1 4 1 0.04% 0.17%
-1.449 0.002 4.210 19.19% 3 . 5 . 0.03% . . .
33 33 1 . 2 . 0.02% .
. . . . 1 . 2 . 0.01% . . .
34 38 . 1 . 1 . 0.17% . . . . 1 . 1 . 0.01% . . .
35 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
36 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.182 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.342
TOTAL_PC: # Partially Secured Credit Cards

WOE Odds Rate WOE
1 0 4,384 435 9,228 435 87.68% 74.11% 0.168 0.023 21.215 4.50% 6,697 340 12,821 872 84.73% 76.75% 0.099 0.008
2 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
TOTAL_SC: # Secured Credit Cards

WOE Odds Rate WOE
1 0 4,329 433 9,113 433 86.58% 73.76% 0.160 0.021 21.045 4.54% 6,628 338 12,683 867 83.81% 76.30% 0.094 0.007
2 1 35 2 74 2 0.70% 0.34% 0.720 0.003 36.837 2.64% 44 1 87 3 0.58% 0.23% 0.940 0.003
3 2 8 . 17 . 0.16% . . . . . 11 1 22 3 0.14% 0.23% -0.445 0.000
4 3 8 . 17 . 0.16% . . . . . 10 . 20 . 0.13% . . .
5 4 2 . 4 . 0.04% . . . . . 2 . 4 . 0.03% . . .
6 5 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
7 7 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
8 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
9 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.044
TOTAL_HD: # HDB Loan
WOE Odds Rate WOE
1 0 4,293 421 9,037 421 85.86% 71.72% 0.180 0.025 21.465 4.45% 6,457 298 12,388 764 81.87% 67.27% 0.196 0.029
2 1 88 14 185 14 1.76% 2.39% -0.304 0.002 13.231 7.03% 234 41 421 105 2.78% 9.26% -1.202 0.078
3 2 2 . 4 . 0.04% . . . . . 4 . 8 . 0.05% . . .
4 3 1 . 2 . 0.02% . . . . . 2 1 4 3 0.03% 0.23% -2.200 0.004
5 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
6 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.128 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.144
TOTAL_PR: # Private Real Estate Loan

WOE Odds Rate WOE
1 0 3,795 395 7,988 395 75.90% 67.29% 0.120 0.010 20.224 4.71% 5,845 314 11,166 805 73.79% 70.88% 0.040 0.001
2 1 481 32 1,013 32 9.62% 5.45% 0.568 0.024 31.641 3.06% 695 21 1,351 54 8.92% 4.74% 0.633 0.026
3 2 94 5 198 5 1.88% 0.85% 0.792 0.008 39.574 2.46% 130 4 255 10 1.69% 0.90% 0.624 0.005
4 3 13 3 27 3 0.26% 0.51% -0.676 0.002 9.122 9.88% 23 1 42 3 0.28% 0.23% 0.210 0.000
5 4 1 . 2 . 0.02% . . . . . 3 . 5 . 0.04% . . .
6 6 . . . . . . . . . . 1 . 2 . 0.01% . . .
7 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.145 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.066
TOTAL_RL: # Real Estate Loan

WOE Odds Rate WOE
1 0 3,746 363 7,885 363 74.92% 61.84% 0.192 0.025 21.723 4.40% 5,818 306 11,122 785 73.50% 69.07% 0.062 0.003
2 1 506 54 1,065 54 10.12% 9.20% 0.095 0.001 19.725 4.83% 684 30 1,328 77 8.77% 6.77% 0.259 0.005
3 2 111 14 234 14 2.22% 2.39% -0.072 0.000 16.690 5.65% 162 2 310 5 2.05% 0.45% 1.512 0.024
4 3 13 3 27 3 0.26% 0.51% -0.676 0.002 9.122 9.88% 22 2 40 5 0.27% 0.45% -0.524 0.001
5 4 6 1 13 10.12% 0.17% -0.350 0.000 12.630 7.34% 8 . 15 . 0.10% . . .
6 5 2 . 4 . 0.04% . . . . . 3 . 6 . 0.04% . . .
7 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.129 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.067
TOTAL_MV: # Motor Vehicle Loan

WOE Odds Rate WOE
1 0 2,018 186 4,248 186 40.36% 31.69% 0.242 0.021 22.838 4.19% 3,059 172 5,871 441 38.80% 38.83% -0.001 0.000
2 1 2,235 227 4,705 227 44.70% 38.67% 0.145 0.009 20.725 4.60% 3,443 159 6,581 408 43.49% 35.89% 0.192 0.015
3 2 117 20 246 20 2.34% 3.41% -0.376 0.004 12.314 7.51% 171 9 323 23 2.14% 2.03% 0.051 0.000
4 3 10 1 21 1 0.20% 0.17% 0.160 0.000 21.050 4.54% 18 . 34 . 0.22% . . .
5 4 2 1 4 1 0.04% 0.17% -1.449 0.002 4.210 19.19% 3 . 5 . 0.03% . . .
6 6 . . . . . . . . . . 1 . 2 . 0.01% . . .
7 7 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
8 8 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
9 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
10 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.136 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.048
TOTAL_OD: # Unsecured Overdraft

WOE Odds Rate WOE
1 0 2,246 204 4,728 204 44.92% 34.75% 0.257 0.026 23.176 4.14% 3,278 191 6,324 490 41.79% 43.12% -0.031 0.000
2 1 1,077 103 2,267 103 21.54% 17.55% 0.205 0.008 22.011 4.35% 1,648 69 3,157 177 20.86% 15.58% 0.292 0.015
3 2 530 65 1,116 65 10.60% 11.07% -0.044 0.000 17.164 5.51% 849 45 1,608 115 10.62% 10.16% 0.045 0.000
4 3 277 38 583 38 5.54% 6.47% -0.156 0.001 15.344 6.12% 476 14 892 36 5.89% 3.16% 0.623 0.017
5 4 141 10 297 10 2.82% 1.70% 0.504 0.006 29.680 3.26% 238 12 453 31 2.99% 2.71% 0.100 0.000
6 5 69 10 145 10 1.38% 1.70% -0.211 0.001 14.525 6.44% 125 6 233 15 1.54% 1.35% 0.126 0.000
7 6 28 3 59 3 0.56% 0.51% 0.091 0.000 19.647 4.84% 59 2 109 5 0.72% 0.45% 0.467 0.001
8 7 13 2 27 2 0.26% 0.34% -0.270 0.000 13.683 6.81% 19 1 36 3 0.24% 0.23% 0.055 0.000
9 8 3 . 6 . 0.06% . . . . . 5 . 10 . 0.06% . . .
10 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
11 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.143 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.068
TOTAL_PO: # Partially Secured Overdraft
WOE Odds Rate WOE
1 0 4,383 435 9,226 435 87.66% 74.11% 0.168 0.023 21.210 4.50% 6,696 340 12,819 872 84.71% 76.75% 0.099 0.008
2 1 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
TOTAL_SO: # Secured Overdraft

WOE Odds Rate WOE
1 0 4,340 429 9,136 429 86.80% 73.08% 0.172 0.024 21.295 4.49% 6,636 338 12,704 867 83.95% 76.30% 0.096 0.007
2 1 40 5 84 5 0.80% 0.85% -0.063 0.000 16.840 5.61% 56 2 108 5 0.71% 0.45% 0.455 0.001
3 2 4 1 8 1 0.08% 0.17% -0.756 0.001 8.420 10.62% 5 . 9 . 0.06% . . .
4 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
5 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.125 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.042
TOTAL_PL: # Unsecured Personal Loan

WOE Odds Rate WOE
1 0 4,216 401 8,875 401 84.32% 68.31% 0.211 0.034 22.131 4.32% 6,282 293 12,075 751 79.80% 66.14% 0.188 0.026
2 1 145 24 305 24 2.90% 4.09% -0.343 0.004 12.718 7.29% 337 38 612 97 4.04% 8.58% -0.752 0.034
3 2 20 9 42 9 0.40% 1.53% -1.344 0.015 4.678 17.61% 66 9 113 23 0.75% 2.03% -0.998 0.013
4 3 3 1 6 1 0.06% 0.17% -1.044 0.001 6.315 13.67% 11 . 19 . 0.13% . . .
5 4 . . . . . . . . . . 1 . 2 . 0.01% . . .
6 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
7 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.155 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.106
TOTAL_PP: # Partially Secured Personal Loan

WOE Odds Rate WOE
1 0 4,384 435 9,228 435 87.68% 74.11% 0.168 0.023 21.215 4.50% 6,697 340 12,821 872 84.73% 76.75% 0.099 0.008
2 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
3 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
TOTAL_SP: # Secured Personal Loan

WOE Odds Rate WOE
1 0 4,374 435 9,207 435 87.48% 74.11% 0.166 0.022 21.166 4.51% 6,679 339 12,786 869 84.50% 76.52% 0.099 0.008
2 1 9 . 19 . 0.18% . . . . . 17 1 32 3 0.21% 0.23% -0.053 0.000
3 2 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
4 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
5 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.123 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
TOTAL_OTH: # Other Facilities

WOE Odds Rate WOE
1 0 4,260 413 8,967 413 85.20% 70.36% 0.191 0.028 21.713 4.40% 6,415 283 12,309 726 81.35% 63.88% 0.242 0.042
2 1 110 20 232 20 2.20% 3.41% -0.437 0.005 11.577 7.95% 240 32 436 82 2.88% 7.22% -0.918 0.040
3 2 12 2 25 2 0.24% 0.34% -0.350 0.000 12.630 7.34% 37 22 66 56 0.44% 4.97% -2.433 0.110
4 3 1 . 2 . 0.02% . . . . . 3 2 5 5 0.04% 0.45% -2.525 0.010
5 4 . . . . . . . . . . 1 1 2 3 0.01% 0.23% -3.011 0.006
6 15 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
7 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.135 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.243
ABN_CUST: ABN Customer Flag

WOE Odds Rate WOE
1 0 3,640 337 7,662 337 72.80% 57.41% 0.237 0.037 22.736 4.21% 5,451 290 10,477 744 69.24% 65.46% 0.056 0.002
2 1 744 98 1,566 98 14.88% 16.70% -0.115 0.002 15.981 5.89% 1,246 50 2,343 128 15.49% 11.29% 0.316 0.013
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.139 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.049
AMEXBANK_CUST: AMEX Customer Flag

WOE Odds Rate WOE
1 0 4,067 394 8,561 394 81.34% 67.12% 0.192 0.027 21.729 4.40% 6,101 288 11,712 739 77.40% 65.01% 0.174 0.022
2 1 317 41 667 41 6.34% 6.98% -0.097 0.001 16.275 5.79% 596 52 1,108 133 7.33% 11.74% -0.472 0.021
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.129 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.076
CITI_CUST: Citibank Customer Flag

WOE Odds Rate WOE
1 0 2,166 233 4,559 233 43.32% 39.69% 0.087 0.003 19.568 4.86% 3,295 187 6,299 480 41.63% 42.21% -0.014 0.000
2 1 2,218 202 4,669 202 44.36% 34.41% 0.254 0.025 23.113 4.15% 3,402 153 6,522 392 43.10% 34.54% 0.221 0.019
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.129 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.053
DBS_CUST: DBS Customer Flag

WOE Odds Rate WOE
1 0 1,818 211 3,827 211 36.36% 35.95% 0.011 0.000 18.137 5.23% 2,838 208 5,398 533 35.67% 46.95% -0.275 0.031
2 1 2,566 224 5,401 224 51.32% 38.16% 0.296 0.039 24.114 3.98% 3,859 132 7,423 338 49.05% 29.80% 0.499 0.096
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.140 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.161
HONGLEONG_CUST: Hong Leong Customer Flag

WOE Odds Rate WOE
1 0 4,140 396 8,715 396 82.80% 67.46% 0.205 0.031 22.007 4.35% 6,299 299 12,075 767 79.80% 67.49% 0.167 0.021
2 1 244 39 514 39 4.88% 6.64% -0.309 0.005 13.170 7.06% 398 41 746 105 4.93% 9.26% -0.630 0.027
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.138 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.081
HSBC_CUST: HSBC Customer Flag

WOE Odds Rate WOE
1 0 3,051 310 6,422 310 61.02% 52.81% 0.144 0.012 20.717 4.60% 4,659 248 8,915 636 58.91% 55.98% 0.051 0.001
2 1 1,333 125 2,806 125 26.66% 21.29% 0.225 0.012 22.448 4.26% 2,038 92 3,906 236 25.81% 20.77% 0.218 0.011
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.125 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.046
MAYBANK_CUST: Maybank Customer Flag

WOE Odds Rate WOE
1 0 3,697 364 7,782 364 73.94% 62.01% 0.176 0.021 21.380 4.47% 5,574 274 10,690 703 70.64% 61.85% 0.133 0.012
2 1 687 71 1,446 71 13.74% 12.10% 0.127 0.002 20.368 4.68% 1,123 66 2,131 169 14.08% 14.90% -0.056 0.000
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.124 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.046
OCBC_CUST: OCBC Customer Flag

WOE Odds Rate WOE
1 0 2,193 241 4,616 241 43.86% 41.06% 0.066 0.002 19.155 4.96% 3,377 202 6,443 518 42.58% 45.60% -0.069 0.002
2 1 2,191 194 4,612 194 43.82% 33.05% 0.282 0.030 23.773 4.04% 3,320 138 6,378 354 42.15% 31.15% 0.302 0.033
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.133 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.069
RHB_CUST: RHB Customer Flag

WOE Odds Rate WOE
1 0 4,368 432 9,195 432 87.36% 73.59% 0.171 0.024 21.284 4.49% 6,657 338 12,749 867 84.25% 76.30% 0.099 0.008
2 1 16 3 34 3 0.32% 0.51% -0.468 0.001 11.227 8.18% 40 2 72 5 0.48% 0.45% 0.052 0.000
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.125 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.041
SCB_CUST: Stanchart Customer Flag

WOE Odds Rate WOE
1 0 3,199 296 6,734 296 63.98% 50.43% 0.238 0.032 22.750 4.21% 4,773 216 9,179 554 60.66% 48.76% 0.218 0.026
2 1 1,185 139 2,494 139 23.70% 23.68% 0.001 0.000 17.946 5.28% 1,924 124 3,642 318 24.07% 27.99% -0.151 0.006
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.133 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.065
UOB_CUST: UOB Customer Flag

WOE Odds Rate WOE
1 0 1,617 221 3,404 221 32.34% 37.65% -0.152 0.008 15.402 6.10% 2,674 227 5,030 582 33.24% 51.24% -0.433 0.078
2 1 2,767 214 5,825 214 55.34% 36.46% 0.417 0.079 27.217 3.54% 4,023 113 7,790 290 51.48% 25.51% 0.702 0.182
3 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.188 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.294
ACTIVE_BANK: # Banks with Active Loan Facilities

WOE Odds Rate WOE
1 1 760 105 1,600 105 15.20% 17.89% -0.163 0.004 15.236 6.16% 1,214 107 2,292 274 15.14% 24.15% -0.467 0.042
2 2 774 73 1,629 73 15.48% 12.44% 0.219 0.007 22.319 4.29% 1,191 73 2,281 187 15.07% 16.48% -0.089 0.001
3 3 867 70 1,825 70 17.34% 11.93% 0.374 0.020 26.072 3.69% 1,262 36 2,441 92 16.13% 8.13% 0.686 0.055
4 4 714 62 1,503 62 14.28% 10.56% 0.302 0.011 24.241 3.96% 1,055 47 2,034 121 13.44% 10.61% 0.237 0.007
5 5 522 46 1,099 46 10.44% 7.84% 0.287 0.007 23.887 4.02% 756 27 1,461 69 9.65% 6.09% 0.460 0.016
6 6 322 45 678 45 6.44% 7.67% -0.174 0.002 15.062 6.23% 518 17 977 44 6.45% 3.84% 0.520 0.014
7 7 185 15 389 15 3.70% 2.56% 0.370 0.004 25.962 3.71% 294 10 562 26 3.72% 2.26% 0.499 0.007
8 8 113 10 238 10 2.26% 1.70% 0.283 0.002 23.786 4.03% 191 10 362 26 2.39% 2.26% 0.059 0.000
9 9 75 6 158 6 1.50% 1.02% 0.384 0.002 26.312 3.66% 128 8 243 21 1.61% 1.81% -0.118 0.000
10 10 32 2 67 2 0.64% 0.34% 0.630 0.002 33.680 2.88% 60 4 113 10 0.75% 0.90% -0.189 0.000
11 11 17 1 36 1 0.34% 0.17% 0.691 0.001 35.785 2.72% 25 1 49 3 0.32% 0.23% 0.352 0.000
12 12 2 . 4 . 0.04% . . . . . 2 . 4 . 0.03% . . .
13 13 1 . 2 . 0.02% . . . . . 1 . 2 . 0.01% . . .
14 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
15 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.164 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.177
CC_BANK: # Banks with Active Unsecured Credit Cards

WOE Odds Rate WOE
1 0 24 1 51 1 0.48% 0.17% 1.036 0.003 50.520 1.94% 29 2 58 5 0.38% 0.45% -0.159 0.000
2 1 749 84 1,577 84 14.98% 14.31% 0.046 0.000 18.770 5.06% 1,158 75 2,207 192 14.59% 16.93% -0.149 0.003
3 2 875 87 1,842 87 17.50% 14.82% 0.166 0.004 21.171 4.51% 1,331 53 2,549 136 16.85% 11.96% 0.342 0.017
4 3 870 65 1,831 65 17.40% 11.07% 0.452 0.029 28.175 3.43% 1,264 43 2,449 110 16.19% 9.71% 0.511 0.033
5 4 597 56 1,257 56 11.94% 9.54% 0.224 0.005 22.441 4.27% 868 28 1,674 72 11.06% 6.32% 0.560 0.027
6 5 374 32 787 32 7.48% 5.45% 0.316 0.006 24.602 3.91% 585 11 1,120 28 7.40% 2.48% 1.092 0.054
7 6 222 11 467 11 4.44% 1.87% 0.863 0.022 42.483 2.30% 309 10 606 26 4.01% 2.26% 0.573 0.010
8 7 118 14 248 14 2.36% 2.39% -0.011 0.000 17.742 5.34% 199 11 375 28 2.48% 2.48% -0.002 0.000
9 8 73 6 154 6 1.46% 1.02% 0.357 0.002 25.611 3.76% 119 3 227 8 1.50% 0.68% 0.795 0.007
10 9 46 1 97 1 0.92% 0.17% 1.686 0.013 96.830 1.02% 69 1 135 3 0.89% 0.23% 1.373 0.009
11 10 7 1 15 10.14% 0.17% -0.196 0.000 14.735 6.36% 11 1 21 3 0.14% 0.23% -0.497 0.000
12 11 3 . 6 . 0.06% . . . . . 3 . 6 . 0.04% . . .
13 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
14 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.199 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.299
ADV_1M: Cash Advance Indicator 1 Month

WOE Odds Rate WOE
1 0 3,657 288 7,698 288 73.14% 49.06% 0.399 0.096 26.729 3.61% 5,282 133 10,234 341 67.63% 30.02% 0.812 0.305
2 1 301 70 634 70 6.02% 11.93% -0.684 0.040 9.052 9.95% 663 105 1,195 269 7.89% 23.70% -1.099 0.174
3 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.250 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.618

WOE Odds Rate WOE
1 0 3,552 261 7,477 261 71.04% 44.46% 0.469 0.125 28.647 3.37% 5,069 115 9,850 295 65.09% 25.96% 0.919 0.360
2 1 406 97 855 97 8.12% 16.52% -0.711 0.060 8.811 10.19% 876 123 1,579 315 10.43% 27.77% -0.979 0.170
3 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.298 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.668

WOE Odds Rate WOE
1 0 3,452 250 7,266 250 69.04% 42.59% 0.483 0.128 29.066 3.33% 4,899 105 9,529 269 62.97% 23.70% 0.977 0.384
2 1 506 108 1,065 108 10.12% 18.40% -0.598 0.049 9.862 9.21% 1,046 133 1,899 341 12.55% 30.02% -0.872 0.152
3 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.291 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.675
WOE Odds Rate WOE
1 0 3,333 230 7,016 230 66.66% 39.18% 0.531 0.146 30.504 3.17% 4,689 86 9,139 221 60.40% 19.41% 1.135 0.465
2 1 625 128 1,316 128 12.50% 21.81% -0.556 0.052 10.278 8.87% 1,256 152 2,289 390 15.13% 34.31% -0.819 0.157
3 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.312 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.761
PMT_1M: Full Payment Indicator 1 Month

WOE Odds Rate WOE
1 0 2,705 132 5,694 132 54.10% 22.49% 0.878 0.278 43.137 2.27% 3,578 24 7,072 62 46.73% 5.42% 2.155 0.890
2 1 1,253 226 2,638 226 25.06% 38.50% -0.429 0.058 11.671 7.89% 2,367 214 4,357 549 28.79% 48.31% -0.518 0.101
3 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.449 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 1.130

WOE Odds Rate WOE
1 0 2,027 83 4,267 83 40.54% 14.14% 1.053 0.278 51.408 1.91% 2,622 10 5,211 26 34.43% 2.26% 2.725 0.877
2 1 1,931 275 4,065 275 38.62% 46.85% -0.193 0.016 14.781 6.34% 3,323 228 6,218 585 41.09% 51.47% -0.225 0.023
3 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.408 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 1.039

WOE Odds Rate WOE
1 0 1,573 65 3,311 65 31.46% 11.07% 1.044 0.213 50.941 1.93% 2,008 9 3,998 23 26.42% 2.03% 2.565 0.626
2 1 2,385 293 5,020 293 47.70% 49.91% -0.045 0.001 17.135 5.51% 3,937 229 7,430 587 49.10% 51.69% -0.051 0.001
3 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.328 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.766

WOE Odds Rate WOE
1 0 1,194 41 2,513 41 23.88% 6.98% 1.229 0.208 61.302 1.61% 1,504 6 3,007 15 19.87% 1.35% 2.686 0.497
2 1 2,764 317 5,818 317 55.28% 54.00% 0.023 0.000 18.354 5.17% 4,441 232 8,422 595 55.66% 52.37% 0.061 0.002
3 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.322 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.638
DLQ_CC_1M: Credit Card Delinquency Status 1 Month

WOE Odds Rate WOE
1 1 58 7 122 7 1.16% 1.19% -0.028 0.000 17.441 5.42% 92 38 174 97 1.15% 8.58% -2.007 0.149
2 2 117 7 246 7 2.34% 1.19% 0.674 0.008 35.184 2.76% 156 3 307 8 2.03% 0.68% 1.098 0.015
3 3 3,751 335 7,896 335 75.02% 57.07% 0.273 0.049 23.570 4.07% 5,631 172 10,828 441 71.56% 38.83% 0.611 0.200
4 4 23 9 48 9 0.46% 1.53% -1.204 0.013 5.379 15.68% 54 19 94 49 0.62% 4.29% -1.928 0.071
5 5 9 . 19 . 0.18% . . . . . 12 5 24 13 0.16% 1.13% -1.963 0.019
6 6 . . . . . . . . . . . 1 . 3 . 0.23% . .
7 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.184 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.593

WOE Odds Rate WOE
1 1 2 1 4 1 0.04% 0.17% -1.449 0.002 4.210 19.19% 3 24 5 62 0.03% 5.42% -5.058 0.272
2 2 66 5 139 5 1.32% 0.85% 0.438 0.002 27.786 3.47% 92 4 179 10 1.18% 0.90% 0.271 0.001
3 3 3,817 329 8,035 329 76.34% 56.05% 0.309 0.063 24.422 3.93% 5,690 161 10,960 413 72.43% 36.34% 0.690 0.249
4 4 60 22 126 22 1.20% 3.75% -1.139 0.029 5.741 14.83% 139 36 244 92 1.61% 8.13% -1.617 0.105
5 5 13 1 27 1 0.26% 0.17% 0.423 0.000 27.365 3.53% 21 12 40 31 0.27% 2.71% -2.324 0.057
6 6 . . . . . . . . . . . 1 . 3 . 0.23% . .
7 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.210 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.823

WOE Odds Rate WOE
1 1 1 1 2 1 0.02% 0.17% -2.142 0.003 2.105 32.21% 2 23 3 59 0.02% 5.19% -5.533 0.286
2 2 51 3 107 3 1.02% 0.51% 0.691 0.004 35.785 2.72% 70 4 137 10 0.91% 0.90% 0.005 0.000
3 3 3,783 308 7,963 308 75.66% 52.47% 0.366 0.085 25.855 3.72% 5,608 145 10,822 372 71.52% 32.73% 0.782 0.303
4 4 102 43 215 43 2.04% 7.33% -1.278 0.068 4.993 16.69% 229 49 399 126 2.64% 11.06% -1.434 0.121
5 5 19 2 40 2 0.38% 0.34% 0.109 0.000 19.998 4.76% 33 16 62 41 0.41% 3.61% -2.174 0.070
6 6 2 1 4 1 0.04% 0.17% -1.449 0.002 4.210 19.19% 3 1 5 3 0.03% 0.23% -1.880 0.004
7 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.275 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.922

WOE Odds Rate WOE
1 1 1 1 2 1 0.02% 0.17% -2.142 0.003 2.105 32.21% 2 17 3 44 0.02% 3.84% -5.231 0.200
2 2 39 2 82 2 0.78% 0.34% 0.828 0.004 41.048 2.38% 51 3 101 8 0.67% 0.68% -0.015 0.000
3 3 3,679 275 7,744 275 73.58% 46.85% 0.451 0.121 28.161 3.43% 5,414 131 10,474 336 69.22% 29.57% 0.850 0.337
4 4 206 69 434 69 4.12% 11.75% -1.048 0.080 6.284 13.73% 407 54 725 138 4.79% 12.19% -0.934 0.069
5 5 31 9 65 9 0.62% 1.53% -0.905 0.008 7.251 12.12% 67 29 120 74 0.79% 6.55% -2.114 0.122
6 6 2 2 4 2 0.04% 0.34% -2.142 0.006 2.105 32.21% 4 4 6 10 0.04% 0.90% -3.091 0.027
7 SYS_MISSING 1,042 229 2,193 229 20.84% 39.01% -0.627 0.114 9.578 9.45% 2,033 205 3,704 526 24.48% 46.28% -0.637 0.139
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.336 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.893
DLQ_MV_1M: Motor Vehicle Loan Delinquency Status 1 Month

WOE Odds Rate WOE
1 1 174 25 366 25 3.48% 4.26% -0.202 0.002 14.651 6.39% 265 12 502 31 3.32% 2.71% 0.203 0.001
2 2 1 1 2 1 0.02% 0.17% -2.142 0.003 2.105 32.21% 3 . 5 . 0.03% . . .
3 3 2,177 213 4,583 213 43.54% 36.29% 0.182 0.013 21.514 4.44% 3,324 65 6,366 167 42.07% 14.67% 1.053 0.289
4 4 14 10 29 10 0.28% 1.70% -1.806 0.026 2.947 25.34% 45 73 75 187 0.49% 16.48% -3.507 0.561
5 5 . . . . . . . . . . 1 10 2 26 0.01% 2.26% -5.314 0.119
6 6 . . . . . . . . . . . 8 . 21 . 1.81% . .
7 SYS_MISSING 2,634 338 5,545 338 52.68% 57.58% -0.089 0.004 16.404 5.75% 4,340 275 8,183 705 54.07% 62.08% -0.138 0.011
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.048 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.981

WOE Odds Rate WOE
1 1 2 1 4 1 0.04% 0.17% -1.449 0.002 4.210 19.19% 3 . 5 . 0.03% . . .

2 2 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
3 3 2,333 229 4,911 229 46.66% 39.01% 0.179 0.014 21.445 4.46% 3,543 51 6,789 131 44.87% 11.51% 1.360 0.454
4 4 30 18 63 18 0.60% 3.07% -1.631 0.040 3.508 22.18% 88 84 148 215 0.98% 18.96% -2.962 0.533
5 5 . 1 . 1 . 0.17% . . . . 2 22 3 56 0.02% 4.97% -5.636 0.279
6 6 . . . . . . . . . . . 11 . 28 . 2.48% . .
7 SYS_MISSING 2,634 338 5,545 338 52.68% 57.58% -0.089 0.004 16.404 5.75% 4,340 275 8,183 705 54.07% 62.08% -0.138 0.011
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.060 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 1.276

WOE Odds Rate WOE
1 1 1 1 2 1 0.02% 0.17% -2.142 0.003 2.105 32.21% 2 . 3 . 0.02% . . .

2 2 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
3 3 2,321 219 4,886 219 46.42% 37.31% 0.219 0.020 22.309 4.29% 3,504 46 6,725 118 44.45% 10.38% 1.454 0.495
4 4 41 26 86 26 0.82% 4.43% -1.687 0.061 3.319 23.15% 123 78 206 200 1.36% 17.61% -2.558 0.415
5 5 1 3 2 3 0.02% 0.51% -3.241 0.016 0.702 58.77% 6 31 8 79 0.06% 7.00% -4.829 0.335
6 6 1 . 2 . 0.02% . . . . . 1 13 2 33 0.01% 2.93% -5.352 0.156
7 SYS_MISSING 2,634 338 5,545 338 52.68% 57.58% -0.089 0.004 16.404 5.75% 4,340 275 8,183 705 54.07% 62.08% -0.138 0.011
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.104 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 1.413

WOE Odds Rate WOE
1 2 1 . 2 . 0.02% . . . . . 2 . 4 . 0.03% . . .
2 3 2,298 204 4,837 204 45.96% 34.75% 0.280 0.031 23.712 4.05% 3,437 32 6,613 82 43.70% 7.22% 1.800 0.657
3 4 62 40 131 40 1.24% 6.81% -1.704 0.095 3.263 23.46% 185 81 310 208 2.05% 18.28% -2.189 0.355
4 5 3 5 6 5 0.06% 0.85% -2.653 0.021 1.263 44.19% 12 42 18 108 0.12% 9.48% -4.376 0.410
5 6 2 . 4 . 0.04% . . . . . 2 13 4 33 0.03% 2.93% -4.658 0.135
6 SYS_MISSING 2,634 338 5,545 338 52.68% 57.58% -0.089 0.004 16.404 5.75% 4,340 275 8,183 705 54.07% 62.08% -0.138 0.011
7 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.152 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 1.568
DLQ_1M: Delinquency Status 1 Month

WOE Odds Rate WOE
1 1 55 10 116 10 1.10% 1.70% -0.437 0.003 11.578 7.95% 96 27 178 69 1.18% 6.09% -1.646 0.081
2 2 69 4 145 4 1.38% 0.68% 0.706 0.005 36.311 2.68% 95 . 186 . 1.23% . . .
3 3 4,186 396 8,812 396 83.72% 67.46% 0.216 0.035 22.251 4.30% 6,333 152 12,151 390 80.30% 34.31% 0.850 0.391
4 4 59 24 124 24 1.18% 4.09% -1.243 0.036 5.175 16.19% 149 95 259 244 1.71% 21.44% -2.527 0.499
5 5 14 . 29 . 0.28% . . . . . 22 39 43 100 0.28% 8.80% -3.435 0.293
6 6 1 1 2 1 0.02% 0.17% -2.142 0.003 2.105 32.21% 2 27 3 69 0.02% 6.09% -5.694 0.346
7 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.183 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 1.643

WOE Odds Rate WOE
1 1 2 1 4 1 0.04% 0.17% -1.449 0.002 4.210 19.19% 3 20 5 51 0.03% 4.51% -4.876 0.218
2 2 41 3 86 3 0.82% 0.51% 0.473 0.001 28.768 3.36% 59 . 115 . 0.76% . . .
3 3 4,189 371 8,818 371 83.78% 63.20% 0.282 0.058 23.768 4.04% 6,264 112 12,054 287 79.66% 25.28% 1.148 0.624
4 4 128 57 269 57 2.56% 9.71% -1.333 0.095 4.727 17.46% 325 112 562 287 3.71% 25.28% -1.918 0.414
5 5 22 2 46 2 0.44% 0.34% 0.256 0.000 23.155 4.14% 42 58 79 149 0.52% 13.09% -3.227 0.406
6 6 2 1 4 1 0.04% 0.17% -1.449 0.002 4.210 19.19% 4 38 7 97 0.05% 8.58% -5.238 0.447
7 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.260 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 2.143

WOE Odds Rate WOE
1 1 1 1 2 1 0.02% 0.17% -2.142 0.003 2.105 32.21% 2 18 3 46 0.02% 4.06% -5.288 0.214
2 2 35 2 74 2 0.70% 0.34% 0.720 0.003 36.837 2.64% 48 . 94 . 0.62% . . .
3 3 4,120 334 8,673 334 82.40% 56.90% 0.370 0.094 25.966 3.71% 6,084 94 11,747 241 77.63% 21.22% 1.297 0.732
4 4 185 90 389 90 3.70% 15.33% -1.422 0.165 4.327 18.77% 482 103 827 264 5.47% 23.25% -1.447 0.257
5 5 34 6 72 6 0.68% 1.02% -0.408 0.001 11.928 7.73% 66 82 121 210 0.80% 18.51% -3.140 0.556
6 6 9 2 19 2 0.18% 0.34% -0.638 0.001 9.473 9.55% 15 43 28 110 0.18% 9.71% -3.972 0.378
7 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.369 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 2.171

WOE Odds Rate WOE
1 1 . . . . . . . . . . . 13 . 33 . 2.93% . .
2 2 31 2 65 2 0.62% 0.34% 0.599 0.002 32.627 2.97% 42 . 82 . 0.54% . . .
3 3 3,960 289 8,336 289 79.20% 49.23% 0.475 0.142 28.844 3.35% 5,786 78 11,209 200 74.07% 17.61% 1.437 0.811
4 4 327 125 688 125 6.54% 21.29% -1.181 0.174 5.507 15.37% 728 99 1,277 254 8.44% 22.35% -0.974 0.135
5 5 50 15 105 15 1.00% 2.56% -0.938 0.015 7.017 12.47% 115 96 204 246 1.35% 21.67% -2.776 0.564
6 6 16 4 34 4 0.32% 0.68% -0.756 0.003 8.420 10.62% 26 54 48 138 0.32% 12.19% -3.654 0.434
7 SYS_MISSING 616 152 1,297 152 12.32% 25.89% -0.743 0.101 8.531 10.49% 1,281 103 2,311 264 15.27% 23.25% -0.420 0.034
8 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.436 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 1.978
MONTHS_SINCE_LAST_OPEN: # Months Since Last Facility Open Date

WOE Odds Rate WOE
1 LOW TO 1.5 267 25 562 25 5.34% 4.26% 0.226 0.002 22.481 4.26% 411 9 787 23 5.20% 2.03% 0.940 0.030
2 1.5 TO 2.4 359 24 756 24 7.18% 4.09% 0.563 0.017 31.487 3.08% 508 8 990 21 6.54% 1.81% 1.287 0.061
3 2.4 TO 3 192 25 404 25 3.84% 4.26% -0.104 0.000 16.166 5.83% 319 2 601 5 3.97% 0.45% 2.174 0.076
4 3 TO 3.5 157 27 330 27 3.14% 4.60% -0.382 0.006 12.240 7.55% 257 8 480 21 3.17% 1.81% 0.564 0.008
5 3.5 TO 4.4 272 24 573 24 5.44% 4.09% 0.286 0.004 23.857 4.02% 423 14 810 36 5.35% 3.16% 0.527 0.012
6 4.4 TO 5.4 249 27 524 27 4.98% 4.60% 0.079 0.000 19.413 4.90% 393 11 748 28 4.94% 2.48% 0.688 0.017
7 5.4 TO 6.5 266 22 560 22 5.32% 3.75% 0.350 0.006 25.451 3.78% 404 8 777 21 5.13% 1.81% 1.045 0.035
8 6.5 TO 7.7 222 25 467 25 4.44% 4.26% 0.042 0.000 18.692 5.08% 337 8 644 21 4.25% 1.81% 0.857 0.021
9 7.7 TO 9.1 265 26 558 26 5.30% 4.43% 0.179 0.002 21.455 4.45% 386 21 744 54 4.91% 4.74% 0.036 0.000
10 9.1 TO 11.1 279 24 587 24 5.58% 4.09% 0.311 0.005 24.471 3.93% 417 18 803 46 5.31% 4.06% 0.267 0.003
11 11.1 TO 12.8 198 24 417 24 3.96% 4.09% -0.032 0.000 17.366 5.44% 293 9 560 23 3.70% 2.03% 0.600 0.010
12 12.8 TO 16.1 310 25 653 25 6.20% 4.26% 0.376 0.007 26.102 3.69% 474 22 911 56 6.02% 4.97% 0.193 0.002
13 16.1 TO 21.2 297 25 625 25 5.94% 4.26% 0.333 0.006 25.007 3.85% 464 30 889 77 5.87% 6.77% -0.142 0.001
14 21.2 TO 27.7 297 25 625 25 5.94% 4.26% 0.333 0.006 25.007 3.85% 418 33 812 85 5.36% 7.45% -0.329 0.007
15 27.7 TO 35.1 245 25 516 25 4.90% 4.26% 0.140 0.001 20.629 4.62% 396 36 753 92 4.97% 8.13% -0.491 0.015
16 35.1 TO 42.8 223 25 469 25 4.46% 4.26% 0.046 0.000 18.777 5.06% 338 50 646 128 4.27% 11.29% -0.973 0.068
17 42.8 TO 51.7 160 25 337 25 3.20% 4.26% -0.286 0.003 13.472 6.91% 277 44 516 113 3.41% 9.93% -1.068 0.070
18 51.7 TO HIGH 193 25 406 25 3.86% 4.26% -0.098 0.000 16.251 5.80% 309 57 584 146 3.86% 12.87% -1.204 0.108
19 SYS_MISSING 549 139 1,156 139 10.98% 23.68% -0.769 0.098 8.314 10.74% 1,154 55 2,078 141 13.73% 12.42% 0.101 0.001
20 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.162 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.546
NEW_FAC_6MTH: Facility Opened in Last 6 Months Flag

WOE Odds Rate WOE
1 0 3,331 419 7,012 419 66.62% 71.38% -0.069 0.003 16.734 5.64% 5,408 385 10,218 987 67.53% 86.91% -0.252 0.049
2 1 1,648 165 3,469 165 32.96% 28.11% 0.159 0.008 21.024 4.54% 2,546 56 4,866 144 32.16% 12.64% 0.934 0.182
3 SYS_MISSING 21 3 44 3 0.42% 0.51% -0.196 0.000 14.735 6.36% 24 2 47 5 0.31% 0.45% -0.370 0.001
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.011 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.232
NEW_FAC_12MTH: Facility Opened in Last 12 Months Flag

WOE Odds Rate WOE
1 0 2,347 319 4,940 319 46.94% 54.34% -0.146 0.011 15.487 6.07% 3,937 329 7,396 844 48.88% 74.27% -0.418 0.106
2 1 2,632 265 5,540 265 52.64% 45.14% 0.154 0.012 20.907 4.56% 4,017 112 7,688 287 50.81% 25.28% 0.698 0.178
3 SYS_MISSING 21 3 44 3 0.42% 0.51% -0.196 0.000 14.735 6.36% 24 2 47 5 0.31% 0.45% -0.370 0.001
4 TOTAL 5,000 587 10,525 587 100.00% 100.00% . 0.023 17.930 5.28% 7,978 443 15,132 1,136 100.00% 100.00% . 0.285
Statistics
AR
Odds
14.215
7.724
10.718
11.793
6.693
6.966
6.288
9.512
8.882
10.568
11.439
10.738
19.048
19.714
23.744
21.941
60.963
36.402
.
13.320
Statistics
AR
Odds
12.756
13.500
.
13.320
Statistics
AR
Odds
7.664
14.214
12.267
.
5.709
13.320
Statistics
AR
Odds
8.919
10.794
16.035
11.193
14.687
13.961
11.478
11.024
17.735
12.004
11.487
11.608
17.118
11.667
24.693
12.099
14.183
21.988
.
13.320
Statistics
AR
Odds
11.015
2.052
16.867
27.567
14.133
9.845
11.927
7.031
12.042
.
.
4.409
10.336
.
9.544
.
13.320
Statistics
AR
Odds
.
32.889
.
.
.
.
.
4.104
32.843
.
.
40.107
.
.
.
27.693
33.244
.
11.221
.
.
10.300
.
19.179
.
.
.
2.571
.
.
12.607
.
.
.
.
.
.
.
13.320
Statistics
AR
Odds
.
.
.
.
.
.
.
.
.
13.271
.
13.320
Statistics
AR
Odds
12.676
22.878
13.320
Statistics
AR
Odds
10.575
49.497
9.391
18.984
.
10.726
25.271
92.356
6.182
10.634
.
6.627
.
.
.
13.320
Statistics
AR
Odds
20.569
15.484
29.101
26.707
22.974
.
.
.
12.705
13.320
Statistics
AR
Odds
17.640
24.713
17.534
10.267
4.347
12.852
13.320
Statistics
AR
Odds
.
.
15.619
16.712
24.945
9.265
21.117
.
6.415
13.320
Statistics
AR
Odds
20.381
13.299
34.622
17.073
23.040
12.807
13.320
Statistics
AR
Odds
13.774
13.295
19.729
8.010
40.789
12.332
.
9.698
.
13.320
Statistics
AR
Odds
.
.
.
.
.
6.246
7.039
2.296
11.031
5.996
5.966
19.036
.
5.921
13.620
6.089
13.032
13.531
16.461
7.953
10.916
.
10.959
10.743
7.465
12.825
4.595
2.461
7.993
5.367
5.393
.
2.372
.
.
13.320
Statistics
AR
Odds
6.817
6.335
5.231
4.866
6.616
9.133
13.455
7.082
8.501
10.613
184.461
13.320
Statistics
AR
Odds
7.713
58.407
13.320
Statistics
AR
Odds
7.561
41.134
13.320
Statistics
AR
Odds
7.354
668.149
13.320
Statistics
AR
Odds
.
.
.
.
7.331
13.320
Statistics
AR
Odds
13.337
9.208
.
13.320
Statistics
AR
Odds
13.078
120.644
13.320
Statistics
AR
Odds
13.320
13.320
Statistics
AR
Odds
4.590
.
2.953
11.942
.
.
.
.
.
.
.
.
28.538
0.738
13.728
4.627
.
5.495
.
8.694
.
37.625
4.164
.
.
0.656
.
.
.
2.132
.
.
.
.
.
7.317
7.301
28.437
.
.
.
3.673
.
13.320
Statistics
AR
Odds
14.023
5.829
13.320
Statistics
AR
Odds
14.281
.
0.148
13.320
Statistics
AR
Odds
6.415
12.455
13.487
12.972
10.955
15.496
15.825
23.609
13.320
Statistics
AR
Odds
13.329
11.354
13.320
Statistics
AR
Odds
.
.
.
.
.
22.911
8.603
16.200
25.766
15.051
12.631
15.229
13.320
Statistics
AR
Odds
7.169
7.645
.
.
1.279
13.320
Statistics
AR
Odds
###
.
.
.
7.350
13.320
Statistics
AR
Odds
17.013
15.699
17.274
13.348
8.940
11.128
9.842
18.056
13.126
13.782
21.734
14.344
9.332
11.279
9.778
17.833
17.169
22.747
13.320
Statistics
AR
Odds
91.639
97.762
30.794
13.758
6.259
13.320
Statistics
AR
Odds
25.183
14.692
3.840
7.464
.
13.320
Statistics
AR
Odds
83.285
124.840
49.013
48.448
27.498
49.691
51.738
100.366
41.865
21.617
55.097
66.979
29.594
65.388
50.338
44.827
20.977
19.350
0.773
13.320
Statistics
AR
Odds
.
.
.
.
.
.
.
.
.
.
13.320
Statistics
AR
Odds
13.853
10.867
.
13.320
Statistics
AR
Odds
66.463
22.337
29.991
32.186
21.734
18.558
20.425
16.940
16.125
15.807
10.752
8.701
9.375
7.007
8.448
6.290
4.482
.
13.320
Statistics
AR
Odds
104.578
154.945
11.741
50.964
25.557
21.156
25.080
24.994
28.626
38.327
18.351
27.444
94.212
16.604
19.080
16.927
5.489
.
.
13.320
Statistics
AR
Odds
24.246
71.109
88.097
62.708
17.060
23.527
18.286
13.286
10.402
7.377
8.219
4.554
.
13.320
Statistics
AR
Odds
12.158
115.174
13.320
Statistics
AR
Odds
16.957
6.288
13.320
Statistics
AR
Odds
214.734
103.352
.
72.954
52.887
19.286
18.685
18.871
19.980
15.393
12.068
5.688
10.510
8.660
9.124
5.982
5.327
6.786
13.320
Statistics
AR
Odds
208.540
205.446
182.826
104.507
61.098
22.377
33.704
22.340
22.809
59.401
15.775
32.044
112.925
11.906
15.386
27.940
13.291
2.595
.
13.320
Statistics
AR
Odds
39.452
14.141
8.088
7.770
12.901
13.320
Statistics
AR
Odds
41.314
27.515
.
14.026
11.678
37.182
.
38.493
.
17.402
13.853
6.121
13.320
Statistics
AR
Odds
9.099
28.302
39.635
33.342
60.471
19.156
.
.
.
.
.
8.750
13.320
Statistics
AR
Odds
14.705
8.750
13.320
Statistics
AR
Odds
14.701
17.954
6.237
.
.
.
8.750
13.320
Statistics
AR
Odds
14.635
38.378
8.750
13.320
Statistics
AR
Odds
14.311
32.923
13.280
.
.
.
8.750
13.320
Statistics
AR
Odds
14.700
.
8.750
13.320
Statistics
AR
Odds
14.642
15.055
.
.
8.750
13.320
Statistics
AR
Odds
13.864
20.766
.
8.750
13.320
Statistics
AR
Odds
14.705
8.750
13.320
Statistics
AR
Odds
14.662
26.387
.
8.750
13.320
Statistics
AR
Odds
14.705
8.750
13.320
Statistics
AR
Odds
14.705
8.750
13.320
Statistics
AR
Odds
14.705
8.750
13.320
Statistics
AR
Odds
14.868
7.075
.
.
.
8.750
13.320
Statistics
AR
Odds
7.328
11.700
16.524
18.256
14.418
59.348
37.644
38.180
17.264
30.457
11.452
11.761
30.561
40.657
28.514
.
13.129
.
.
.
.
.
.
2.297
.
.
.
.
.
.
8.750
13.320
Statistics
AR
Odds
14.705
8.750
13.320
Statistics
AR
Odds
14.632
.
.
.
.
8.750
13.320
Statistics
AR
Odds
16.286
3.147
.
1.477
8.750
13.320
Statistics
AR
Odds
14.268
22.443
22.844
.
.
8.750
13.320
Statistics
AR
Odds
14.179
17.203
60.418
7.888
.
.
8.750
13.320
Statistics
AR
Odds
13.679
15.984
17.819
.
.
.
8.750
13.320
Statistics
AR
Odds
13.251
18.168
14.227
19.175
14.599
15.197
14.895
.
8.750
13.320
Statistics
AR
Odds
14.702
.
8.750
13.320
Statistics
AR
Odds
14.697
17.252
8.750
13.320
Statistics
AR
Odds
16.071
6.277
4.910
.
.
8.750
13.320
Statistics
AR
Odds
14.705
8.750
13.320
Statistics
AR
Odds
14.709
12.633
.
8.750
13.320
Statistics
AR
Odds
16.874
4.304
0.823
0.328
.
8.750
13.320
Statistics
AR
Odds
5.439
9.420
14.050
20.319
20.622
22.699
30.506
39.296
26.575
23.507
43.015
20.914
14.654
27.558
14.053
44.059
26.092
.
.
.
.
9.910
.
.
.
.
0.821
.
.
.
.
.
.
.
8.750
13.320
Statistics
AR
Odds
14.705
8.750
13.320
Statistics
AR
Odds
14.633
34.100
8.534
.
.
.
.
8.750
13.320
Statistics
AR
Odds
16.211
4.006
.
1.477
8.750
13.320
Statistics
AR
Odds
13.867
25.078
24.859
16.431
.
.
8.750
13.320
Statistics
AR
Odds
14.173
17.257
60.418
7.888
.
.
8.750
13.320
Statistics
AR
Odds
13.312
16.141
14.015
.
.
.
.
.
8.750
13.320
Statistics
AR
Odds
12.912
17.842
13.932
24.840
14.724
15.117
21.256
14.074
.
8.750
13.320
Statistics
AR
Odds
14.702
.
8.750
13.320
Statistics
AR
Odds
14.657
20.999
.
8.750
13.320
Statistics
AR
Odds
16.071
6.277
4.910
.
.
8.750
13.320
Statistics
AR
Odds
14.705
8.750
13.320
Statistics
AR
Odds
14.709
12.633
.
8.750
13.320
Statistics
AR
Odds
16.962
5.319
1.169
1.066
0.656
.
8.750
13.320
Statistics
AR
Odds
14.089
18.277
8.750
13.320
Statistics
AR
Odds
15.859
8.313
8.750
13.320
Statistics
AR
Odds
13.136
16.623
8.750
13.320
Statistics
AR
Odds
10.120
21.929
8.750
13.320
Statistics
AR
Odds
15.748
7.095
8.750
13.320
Statistics
AR
Odds
14.018
16.557
8.750
13.320
Statistics
AR
Odds
15.214
12.590
8.750
13.320
Statistics
AR
Odds
12.438
18.023
8.750
13.320
Statistics
AR
Odds
14.709
14.036
8.750
13.320
Statistics
AR
Odds
16.571
11.454
8.750
13.320
Statistics
AR
Odds
8.642
26.885
8.750
13.320
Statistics
AR
Odds
8.352
12.183
26.447
16.877
21.100
22.404
21.934
14.124
11.840
11.024
18.934
.
.
8.750
13.320
Statistics
AR
Odds
11.357
11.476
18.757
22.214
23.317
39.713
23.635
13.296
29.497
52.575
8.103
.
7.045
13.320
Statistics
AR
Odds
30.006
4.436
7.045
13.320
Statistics
AR
Odds
33.400
5.005
7.045
13.320
Statistics
AR
Odds
35.390
5.569
7.045
13.320
Statistics
AR
Odds
41.441
5.873
7.045
13.320
Statistics
AR
Odds
114.908
7.939
7.045
13.320
Statistics
AR
Odds
203.198
10.635
7.045
13.320
Statistics
AR
Odds
173.242
12.653
7.045
13.320
Statistics
AR
Odds
195.414
14.156
7.045
13.320
Statistics
AR
Odds
1.791
39.918
24.551
1.938
1.871
.
7.045
13.320
Statistics
AR
Odds
0.085
17.474
26.546
2.645
1.304
.
7.045
13.320
Statistics
AR
Odds
0.053
13.381
29.104
3.175
1.515
2.032
7.045
13.320
Statistics
AR
Odds
0.071
13.117
31.179
5.232
1.609
0.605
7.045
13.320
Statistics
AR
Odds
16.321
.
38.192
0.399
0.066
.
11.603
13.320
Statistics
AR
Odds
.
.
51.914
0.689
0.048
.
11.603
13.320
Statistics
AR
Odds
.
.
57.015
1.032
0.107
0.063
11.603
13.320
Statistics
AR
Odds
.
80.592
1.493
0.168
0.126
11.603
13.320
Statistics
AR
Odds
2.569
.
31.175
1.064
0.429
0.045
8.750
13.320
Statistics
AR
Odds
0.102
.
41.969
1.956
0.528
0.071
8.750
13.320
Statistics
AR
Odds
0.067
.
48.734
3.133
0.577
0.251
8.750
13.320
Statistics
AR
Odds
.
.
56.040
5.032
0.830
0.345
8.750
13.320
Statistics
AR
Odds
34.105
48.251
117.117
23.409
22.565
26.513
37.873
31.374
13.808
17.396
24.272
16.153
11.555
9.591
8.152
5.036
4.577
3.997
14.735
13.320
Statistics
AR
Odds
10.350
33.888
9.204
13.320
Statistics
AR
Odds
8.767
26.770
9.204
13.320

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F_DEMO_ACCEPTED_SALARY: Monthly Salary

Known Population ETTD Population

F_DEMO_MARITAL_STATUS_CODE: Marital Status

F_DEMO_RESI_OPER_CTRY_CODE: Residential Country

F_DEMO_PR_STATUS: Permanent Residence Status

F_DEMO_EDUC_LEVEL_CODE: Education Level

F_DEMO_RESI_OWNERSHIP_CODE: Residence Ownership

F_DEMO_RESI_TYPE_CODE: Residence Type

1 BG 7 1 15 1 0.14% 0.17% -0.196 0.000 14.735 6.36% 10 . 19 . 0.13% . . .

F_DEMO_RESI_LENGTH: Months at Residence

F_DEMO_JOB_DESN_CODE: Job Designation

F_DEMO_HOME_TEL_IND: Home Telephone Indicator

F_DEMO_OFFICE_TEL_IND: Office Telephone Indicator

F_REF_RELATION: Reference Relationship

F_VEH_VEHICLE_TYPE: Vehicle Type

F_VEH_VEHICLE_BODY: Vehicle Body

F_VEH_VEHICLE_CLASS: Vehicle Class

F_VEH_VEHICLE_MAKE: Vehicle Make

1 2 . . . . . . . . . . 7 1 12 3 0.08% 0.23% -1.066 0.002

F_VEH_VEHICLE_SCHEME: Vehicle Scheme

F_VEH_PROPELLENT: Vehicle Propellent

F_VEH_ENGINE_CAPACITY: Vehicle Engine Capacity

F_VEH_LUX_CAR_IND: Luxury Car Indicator

F_VEH_MANUFACTURE_YEAR: Vehicle Year of Manufacture

F_VEH_COE_CAT: COE Category

F_VEH_NO_TRANSFER: No. of Transfers

F_VEH_MAC_PURCHASE_AMOUNT: Vehicle Purchase Price

F_FAC_TNR_PROP_TENOR: Loan Tenor in Months

F_FAC_INT_RATE_VALUE: Interest Rate

F_APPLICANT_PROP_RAR: Repayment Ability Ratio (RAR)

1 CBDCSC 10 . 21 . 0.20% . . . . . 11 . 23 . 0.15% . . .

F_GTR_NO: No. of Guarantors

F_LTP: Loan to Purchase Price

F_LTV: Loan to Valuation

F_OVER_VAL: Overvaluation (Purchase Price / Valuation)

F_COND_GTR: Guarantor Request Flag

F_COND_LOAN_REDUCE: Loan Reduce Flag

F_REQ_LTP: Requested Loan to Purchase Price

F_REQ_LTV: Requested Loan to Valuation

F_VEH_MAC_VENDOR_CODE_GRP: Dealer Group

F_GTR_PROP_RAR: Guarantor RAR

UOB_CC: # Unsecured Credit Cards with UOB

UOB_PC: # Partially Secured Credit Cards with UOB

UOB_SC: # Secured Credit Cards with UOB

UOB_HD: # HDB Loan with UOB

UOB_PR: # Private Real Estate Loan with UOB

UOB_RL: # Real Estate Loan with UOB

UOB_MV: # Motor Vehicle Loan with UOB

UOB_OD: # Unsecured Overdraft with UOB

UOB_PO: # Partially Secured Overdraft with UOB

UOB_SO: # Secured Overdraft with UOB

UOB_PL: # Unsecured Personal Loan with UOB

UOB_SP: # Secured Personal Loan with UOB

UOB_OTH: # Other Facilities with UOB

OTH_CC: # Unsecured Credit Cards with Other Banks

OTH_PC: # Partially Secured Credit Cards with Other Banks

OTH_SC: # Secured Credit Cards with Other Banks

OTH_HD: # HDB Loan with Other Banks

OTH_PR: # Private Real Estate Loan with Other Banks

OTH_RL: # Real Estate Loan with Other Banks

OTH_MV: # Motor Vehicle Loan with Other Banks

OTH_PO: # Partially Secured Overdraft with Other Banks

OTH_SO: # Secured Overdraft with Other Banks