Creditabili Account BaDuration oPayment StPurpose Credit Am Value Savi Length of InstalmentSex & Marit

1 2 12 4 1 1860 1 1 4 3
1 4 6 2 5 660 3 4 2 4
0 2 36 2 0 14318 1 5 4 3
0 1 45 2 3 1845 1 3 4 3
1 4 54 0 1 9436 5 3 2 3
1 1 48 2 6 7476 1 4 4 3
1 4 21 4 1 3275 1 5 1 3
1 4 12 2 3 3059 4 4 2 1
0 4 36 4 2 7127 1 2 2 2
0 2 60 1 10 14782 2 5 3 2
1 1 24 4 1 2957 1 5 4 3
1 1 6 4 0 609 1 4 4 2
0 2 27 2 9 3915 1 3 4 3
0 1 6 1 6 1198 1 5 4 2
1 1 24 4 1 6419 1 5 2 2
0 2 24 4 2 4736 1 2 2 2
1 4 22 2 0 1283 5 4 4 2
1 4 12 2 0 2133 5 5 4 2
1 4 36 2 9 5742 2 4 2 3
1 3 36 2 3 5848 1 3 4 3
1 2 24 3 9 4712 5 3 4 3
0 2 15 3 5 1512 4 3 3 4
0 3 15 4 3 1271 5 3 3 3
1 4 24 4 2 3777 4 3 4 3
0 1 48 2 0 7763 1 5 4 3
1 2 15 4 3 2728 5 4 4 3
1 4 24 2 3 1901 2 3 4 3
1 2 6 3 2 1050 1 1 4 3
1 1 42 2 2 7882 1 4 2 3
1 4 24 4 1 5804 4 3 4 3
1 4 18 2 3 1505 1 3 4 3
1 1 24 2 1 2924 1 3 3 3
1 2 24 2 2 4351 5 3 1 2
1 4 18 4 3 1582 4 5 4 3
0 1 12 4 0 4843 1 5 3 3
1 2 6 3 9 1449 2 5 1 1
1 4 24 4 2 5150 1 5 4 3
1 4 12 2 3 886 5 3 4 2
1 4 15 2 3 1213 3 5 4 3
0 1 48 4 1 6331 1 5 4 3
1 1 12 2 6 1200 5 3 4 2
0 4 36 3 9 9572 1 2 1 1
1 2 12 2 3 2930 1 4 2 2
0 1 48 2 3 6999 1 4 1 4
1 2 18 2 1 2779 1 3 1 4
1 4 12 2 6 1393 1 5 4 3
1 4 24 2 3 3430 3 5 3 3
1 4 6 2 8 1238 5 1 4 3
1 2 30 2 2 3832 1 2 2 4
1 4 9 2 9 1449 1 4 3 2
1 4 24 2 1 2670 1 5 4 3
1 4 6 4 3 1898 5 3 1 3
1 1 18 2 3 3509 1 4 4 2
1 4 6 0 0 1204 2 3 4 3
1 1 6 4 3 338 3 5 4 3
0 4 10 2 2 2210 1 3 2 3
1 3 6 4 0 1299 1 3 1 3
1 1 30 4 1 6187 2 4 1 4
1 4 10 2 0 1287 5 5 4 3
0 1 15 2 4 1275 5 3 4 2
1 1 13 4 9 1797 1 2 3 3
0 1 18 2 2 1131 1 1 4 2
0 4 24 2 3 5943 5 2 1 2
1 2 18 4 9 1887 5 3 4 4
1 4 15 3 1 3594 1 2 1 2
1 4 12 2 2 1574 1 3 4 3
0 3 30 3 9 1908 1 5 4 3
0 4 24 2 9 4591 4 3 2 3
1 4 6 4 3 1237 2 3 1 2
1 1 48 2 1 4788 1 4 4 3
1 1 24 1 2 2483 3 3 4 3
1 2 21 2 2 3976 5 4 2 3
1 4 12 2 3 2073 2 3 4 2
0 4 18 3 2 1808 1 4 4 2
0 1 24 2 0 3123 1 2 4 2
1 1 15 2 0 1403 1 3 2 2
1 3 12 2 2 1474 1 2 4 2
1 2 24 3 2 2333 5 2 4 3
1 1 36 4 2 2348 1 3 3 4
0 2 48 2 0 6560 2 4 3 3
1 4 18 3 3 2320 1 1 2 4
1 2 6 2 3 484 1 4 3 4
1 4 24 2 0 3757 1 5 4 2
1 2 7 2 3 2329 1 2 1 2
1 4 21 4 2 2288 1 2 4 2
1 4 12 2 0 2859 5 1 4 3
0 1 36 2 3 2302 1 3 4 1
0 3 9 0 3 1337 1 2 4 3
1 1 20 2 2 2212 5 4 4 3
0 3 15 2 3 2327 1 2 2 2
1 4 24 2 3 3105 5 2 4 3
0 4 18 1 0 6458 1 5 2 3
0 1 12 2 0 1274 1 2 3 2
1 4 9 2 6 3832 5 5 1 3
1 3 10 2 2 1275 1 2 4 2
1 4 9 4 6 1244 5 5 4 2
1 4 36 2 1 8133 1 3 1 2
0 1 21 1 0 1647 5 3 4 3
1 4 12 2 2 763 1 3 4 2
1 3 4 2 0 1494 5 2 1 3
1 2 60 3 3 7418 5 3 1 3
1 1 6 2 0 1374 5 1 4 2
1 4 12 2 9 1542 1 4 2 3
0 2 36 2 2 9034 2 2 4 3
1 4 30 3 9 4272 2 3 2 3
0 2 12 2 5 639 1 3 4 3
1 4 24 2 3 1413 1 3 4 4
1 4 48 3 3 7238 5 5 3 3
1 4 33 4 1 7253 1 4 3 3
1 4 18 4 0 1055 1 2 4 2
1 3 24 2 2 3749 1 2 2 2
1 4 12 2 1 1413 4 4 3 3
1 4 15 2 1 4657 1 3 3 3
0 2 36 2 6 12612 2 3 1 3
1 1 24 2 2 4020 1 3 2 3
1 3 15 2 6 1905 1 5 4 3
1 4 36 2 3 3835 5 5 2 2
1 4 15 1 3 1569 2 5 4 3
1 3 24 4 3 3148 5 3 3 3
0 2 24 4 3 1216 2 2 4 3
1 4 28 1 1 7824 5 2 3 3
0 1 6 4 2 3384 1 3 1 1
1 1 12 4 0 2121 1 3 4 3
1 1 39 4 2 14179 5 4 4 3
1 1 15 2 0 1721 1 2 2 3
1 4 6 2 2 2978 3 3 1 3
0 1 24 1 2 3349 3 2 4 3
1 4 9 2 0 3577 2 3 1 3
1 2 15 2 5 1308 1 5 4 3
1 4 10 2 3 1924 1 3 1 3
1 4 6 2 3 518 1 3 3 2
1 2 12 4 4 1424 1 4 4 3
1 4 15 2 4 874 5 2 4 2
1 4 24 2 3 1311 2 4 4 4
1 2 48 1 9 3566 2 4 4 3
1 4 24 2 0 1249 1 2 4 4
0 1 15 0 0 950 1 5 4 3
1 3 12 2 0 1330 1 2 4 3
0 2 24 3 2 2064 1 1 3 2
0 1 48 0 1 4605 1 5 3 3
1 4 18 4 3 629 3 5 4 3
1 2 18 2 9 2622 2 3 4 3
0 1 24 2 2 3345 1 5 4 3
1 4 36 2 0 3079 5 3 4 3
1 4 48 2 3 10222 5 4 4 3
1 2 18 2 9 1941 4 3 4 3
1 4 24 2 2 2835 3 5 3 3
0 1 30 2 2 6350 5 5 4 3
0 2 48 2 3 5951 1 3 2 2
0 4 12 4 9 2292 1 1 4 3
1 2 21 4 9 3652 1 4 2 3
1 3 12 2 3 1881 1 3 2 2
1 4 24 2 2 5511 2 3 4 3
1 2 24 4 0 3878 2 2 4 1
1 4 24 2 1 9277 5 3 2 1
0 1 12 2 4 741 2 1 4 2
1 4 12 4 3 1291 1 3 4 2
1 4 4 2 2 601 1 2 1 2
1 4 4 4 0 1455 1 4 2 3
1 1 30 0 9 8072 5 2 2 3
1 4 24 2 0 1393 1 3 2 3
1 2 9 2 3 2118 1 3 2 3
1 2 20 2 1 6468 5 1 1 1
1 3 10 2 0 3949 1 2 1 3
1 2 18 2 5 3872 1 1 2 2
1 4 14 3 0 802 1 3 4 3
0 1 12 2 0 759 1 4 4 3
1 4 6 2 3 2108 1 4 2 4
1 4 24 4 0 1940 4 5 4 3
1 1 36 2 0 3249 1 4 2 3
1 4 21 3 2 1591 2 4 4 3
0 4 6 2 2 4611 1 2 1 2
1 1 6 2 0 1203 2 5 3 3
0 1 24 3 3 1659 1 2 4 2
0 2 72 2 3 5595 2 3 2 4
1 1 21 4 0 571 1 5 4 3
1 1 18 1 3 1940 1 2 3 3
0 1 18 2 1 7511 5 5 1 3
1 4 18 2 3 1453 1 2 3 2
1 2 30 2 3 1715 5 3 4 2
1 4 24 4 3 1516 4 3 4 2
1 4 12 4 2 1935 1 5 4 3
1 4 36 4 3 3342 5 5 4 3
1 2 8 2 9 907 1 2 3 4
1 4 24 4 3 2578 4 5 2 3
1 3 30 4 3 3017 1 5 4 3
0 4 9 2 2 1980 1 2 2 2
0 1 36 4 1 9629 1 4 4 3
1 4 28 4 3 2743 1 5 4 3
1 4 12 2 9 1076 1 3 2 4
1 1 24 4 3 1231 4 5 4 2
0 2 12 2 0 1223 1 5 1 1
1 4 10 2 0 1364 1 3 2 2
1 3 10 4 3 1347 5 4 4 3
1 2 18 2 9 4439 1 5 1 3
0 4 18 3 9 2169 1 3 4 4
1 4 36 4 1 5711 4 5 4 3
1 4 30 4 3 5771 1 4 4 2
0 1 21 2 3 1835 1 3 3 2
0 4 48 2 9 4844 1 1 3 3
GuarantorsDuration i Most valuab
Age (years)ConcurrentType of apNo of CrediOccupatio No of dep Telephone
1 2 3 34 3 2 2 4 1 2
1 4 1 23 3 1 1 2 1 1
1 2 4 57 3 3 1 4 1 2
1 4 4 23 3 3 1 3 1 2
1 2 2 39 3 2 1 2 2 1
1 1 4 50 3 3 1 4 1 2
1 4 3 36 3 2 1 4 1 2
1 4 1 61 3 2 1 2 1 1
1 4 2 23 3 1 2 3 1 2
1 4 4 60 1 3 2 4 1 2
1 4 2 63 3 2 2 3 1 2
1 3 2 37 3 2 2 3 1 1
1 2 3 36 3 2 1 3 2 2
1 4 4 35 3 3 1 3 1 1
1 4 4 44 3 3 2 4 2 2
1 4 3 25 1 2 1 2 1 1
1 4 2 25 3 1 1 3 1 1
1 4 4 52 3 3 1 4 1 2
1 2 3 31 3 2 2 3 1 2
1 1 3 24 3 2 1 3 1 1
1 2 2 34 1 2 2 4 1 2
1 3 2 61 2 2 2 3 1 1
1 4 4 39 3 3 2 3 1 2
1 4 1 40 3 2 1 3 1 2
1 4 4 42 1 3 1 4 1 1
3 2 1 35 1 2 3 3 1 2
1 4 3 29 3 1 1 4 1 2
1 1 2 35 2 2 2 4 1 2
3 4 2 45 3 3 1 3 2 1
1 2 1 27 3 2 2 3 1 1
1 2 4 32 3 3 1 4 1 2
3 4 4 63 1 2 1 3 2 2
1 4 2 48 3 2 1 2 1 2
1 4 3 46 3 2 2 3 1 1
2 4 2 43 3 1 2 3 1 2
1 2 3 31 1 2 2 3 2 1
1 4 3 33 3 2 1 3 1 2
1 2 3 21 3 2 1 3 1 1
1 3 2 47 2 2 1 3 1 2
1 4 4 46 3 3 2 3 1 2
1 4 2 23 1 1 1 3 1 2
1 1 3 28 3 2 2 3 1 1
1 1 1 27 3 2 1 3 1 1
3 1 1 34 3 2 2 3 1 2
1 3 3 21 3 1 1 3 1 2
1 4 2 47 1 2 3 3 2 2
1 2 3 31 3 2 1 3 2 2
1 4 2 36 3 2 1 4 2 2
1 1 2 22 3 2 1 3 1 1
1 2 3 27 3 2 2 3 1 1
1 4 3 35 3 2 1 4 1 2
1 2 1 34 3 2 2 2 2 1
3 1 1 25 3 2 1 3 1 1
1 1 4 35 1 1 1 3 1 1
1 4 3 52 3 2 2 3 1 1
1 2 1 25 3 1 1 2 1 1
1 1 1 74 3 2 3 1 2 1
1 4 3 24 3 1 2 3 1 1
2 2 2 45 3 2 1 2 1 1
1 2 3 24 3 1 1 3 1 1
1 1 2 28 1 2 2 2 1 1
1 2 3 33 3 2 1 3 1 1
1 1 3 44 3 2 2 3 1 2
1 4 1 28 1 2 2 3 1 1
1 2 2 46 3 2 2 2 1 1
1 2 1 50 3 2 1 3 1 1
1 4 1 66 3 2 1 4 1 2
1 3 2 54 3 2 3 4 1 2
1 1 2 27 3 2 2 3 1 1
1 3 2 26 3 2 1 3 2 1
1 4 1 22 2 2 1 3 1 2
1 3 3 35 3 2 1 3 1 2
2 2 1 28 3 2 1 3 1 1
1 1 1 22 3 2 1 3 1 1
1 1 2 27 3 2 1 3 1 1
1 4 3 28 3 1 1 3 1 1
1 1 2 33 1 2 1 4 1 2
1 2 2 29 1 2 1 2 1 1
1 2 2 46 3 2 2 3 1 2
1 2 2 24 3 2 1 3 1 1
1 3 1 34 3 2 2 3 1 1
3 3 1 28 1 2 1 2 1 1
2 4 4 62 3 3 1 3 1 2
3 1 1 45 3 2 1 3 1 1
1 4 2 23 3 2 1 3 1 2
1 4 4 38 3 2 1 4 1 2
1 4 3 31 3 1 1 3 1 1
1 2 3 34 3 2 2 4 1 2
1 4 3 39 3 2 1 3 1 2
1 3 1 25 3 2 1 2 1 1
1 2 3 25 3 2 2 3 1 1
1 4 4 39 1 2 2 4 2 2
1 1 1 37 1 2 1 2 1 1
1 4 1 64 3 2 1 2 1 1
1 2 2 23 3 2 1 3 1 1
1 4 2 41 3 1 2 2 1 1
1 2 2 30 1 2 1 3 1 1
1 2 2 40 1 2 2 2 2 1
1 1 1 26 3 2 1 3 1 2
1 2 1 29 3 2 1 2 2 1
1 1 1 27 3 2 1 2 1 1
1 3 2 75 3 2 1 4 1 2
1 4 3 36 3 2 1 3 1 2
2 1 4 29 3 1 1 4 1 2
1 2 2 26 3 2 2 2 1 1
1 2 3 30 3 2 1 3 1 1
1 2 2 28 3 2 1 3 1 1
1 3 3 32 1 2 2 3 2 1
1 2 3 35 3 2 2 4 1 2
1 1 2 30 3 2 2 3 1 1
1 4 3 26 3 2 1 3 1 1
1 2 2 55 3 2 1 3 1 1
1 2 3 30 3 2 1 3 1 2
1 4 4 47 3 3 1 3 2 2
1 2 3 27 2 2 1 3 1 1
1 4 3 40 3 1 1 4 1 2
1 4 1 45 3 2 1 2 1 2
1 4 3 34 1 2 1 2 2 1
1 2 3 31 3 2 2 3 1 2
1 4 4 38 1 2 2 3 2 1
3 4 1 40 1 1 2 3 2 2
1 4 1 44 3 1 1 4 1 2
1 2 2 30 3 2 2 3 1 1
1 4 2 30 3 2 2 4 1 2
1 3 1 36 3 2 1 3 1 1
1 2 3 32 3 2 1 3 1 2
1 4 4 30 3 3 1 3 2 2
3 2 1 26 3 1 1 3 2 1
1 4 3 38 3 2 2 2 1 1
1 4 2 38 3 2 1 3 1 2
1 1 1 29 3 2 1 3 1 1
1 3 2 26 3 2 1 3 1 1
1 1 1 24 3 2 1 3 1 1
1 3 2 26 3 2 1 3 1 2
1 2 3 30 3 2 1 3 1 1
1 2 1 28 3 2 1 3 1 1
1 3 3 33 3 1 2 3 2 1
1 1 1 26 3 2 1 3 1 1
1 2 2 34 3 2 1 4 1 2
1 4 4 24 3 3 2 3 2 1
1 3 2 32 1 2 2 4 1 2
1 4 3 34 3 2 1 3 1 1
1 2 2 39 3 1 1 4 1 2
1 4 1 36 3 2 1 3 1 1
1 3 3 37 2 2 1 3 1 2
1 2 2 35 3 2 1 2 1 2
1 4 2 53 3 2 1 3 1 1
1 4 2 31 3 2 1 3 1 1
1 2 1 22 3 2 1 3 1 1
1 2 3 42 2 2 2 4 1 2
1 3 2 27 3 2 2 3 1 1
1 2 3 44 3 1 1 2 1 2
1 1 3 25 2 2 1 3 1 1
1 2 3 37 3 2 1 3 1 2
1 4 4 48 3 3 1 3 1 2
1 3 2 22 3 2 1 3 1 1
1 2 2 35 3 2 2 3 1 1
1 3 1 23 3 1 1 2 2 1
1 1 1 42 3 2 3 2 2 1
1 3 3 25 1 2 3 3 1 1
3 2 1 31 3 2 1 3 1 2
1 2 1 37 3 2 1 2 2 1
1 4 1 60 3 2 1 4 1 2
3 1 2 37 3 2 1 2 2 1
1 4 3 67 3 2 1 3 1 2
1 2 3 27 3 2 2 2 1 1
1 2 1 26 3 2 1 3 1 1
1 2 1 29 3 1 1 3 1 1
1 4 1 60 3 2 1 3 1 2
1 4 4 39 1 3 1 4 2 2
1 3 1 34 3 2 2 4 1 1
1 4 2 32 3 2 1 3 1 1
1 2 2 43 3 2 1 3 1 2
1 2 3 29 3 1 1 2 1 2
1 2 3 24 3 2 1 3 1 1
1 4 1 65 3 2 2 3 1 1
2 4 4 36 1 3 1 4 1 2
1 4 2 51 3 3 1 3 2 2
1 1 1 26 3 2 1 3 1 1
1 1 3 26 3 2 1 3 1 1
1 1 1 43 3 2 2 2 1 1
1 4 1 43 3 2 3 3 1 2
1 2 3 51 3 2 1 3 1 2
1 2 1 26 3 2 1 3 1 2
1 2 3 34 3 2 1 3 1 1
1 4 2 47 3 2 1 3 1 1
2 2 3 19 3 1 2 3 1 1
1 4 3 24 3 2 2 3 1 2
1 2 3 29 3 2 2 3 1 1
1 2 1 26 3 2 1 3 1 2
1 4 2 57 3 1 2 4 1 2
1 1 1 46 3 1 2 3 1 1
1 4 3 64 3 2 1 3 1 2
1 2 2 27 3 2 2 3 1 2
2 1 1 33 1 2 1 4 1 2
1 2 3 28 3 2 1 3 1 2
1 2 3 38 3 2 2 4 1 2
1 2 3 25 3 2 2 3 1 1
1 2 1 25 3 2 2 3 1 2
1 2 3 33 3 1 1 4 1 2
Foreign WoDuration_oCredit_AmAge_group
11 1 2
11 1 1
12 4 3
13 1 1
13 4 2
13 4 2
12 2 2
11 2 3
12 4 1
13 4 3
12 2 3
11 1 2
12 2 2
11 1 2
12 4 2
12 3 1
12 1 1
11 2 3
12 3 2
12 3 1
12 3 2
11 1 3
11 1 2
12 2 2
13 4 2
11 2 2
12 1 2
21 1 2
13 4 2
12 3 2
11 1 2
12 2 3
12 3 2
11 1 2
11 3 2
11 1 2
12 3 2
11 1 1
11 1 2
13 4 2
11 1 1
12 4 2
11 2 2
13 4 2
11 2 1
11 1 2
12 2 2
11 1 2
12 2 1
11 1 2
12 2 2
11 1 2
11 2 1
21 1 2
11 1 3
11 2 1
21 1 3
12 4 1
21 1 2
11 1 1
11 1 2
11 1 2
12 3 2
11 1 2
11 2 2
11 1 2
12 1 3
12 3 3
11 1 2
13 3 2
12 2 1
12 2 2
11 2 2
11 1 1
12 2 2
11 1 2
11 1 2
12 2 2
12 2 2
13 4 1
11 2 2
11 1 2
12 2 3
11 2 2
12 2 1
11 2 2
12 2 2
11 1 2
12 2 2
11 2 1
12 2 1
11 4 2
11 1 2
11 2 3
11 1 1
11 1 2
12 4 2
12 1 2
11 1 2
21 1 2
13 4 2
11 1 3
11 1 2
12 4 2
12 3 2
11 1 2
12 1 2
13 4 2
12 4 2
11 1 2
12 2 2
21 1 3
11 3 2
12 4 2
12 3 2
11 1 2
12 2 2
11 1 2
12 2 2
12 1 2
12 4 2
11 2 2
11 2 2
12 4 2
11 1 2
11 2 2
12 2 2
21 2 2
11 1 2
21 1 2
11 1 2
11 1 2
11 1 1
12 1 2
13 2 2
12 1 2
11 1 2
11 1 2
12 2 2
13 3 1
11 1 2
11 2 2
12 2 2
12 2 2
13 4 2
11 1 2
12 2 3
12 4 2
13 3 1
11 2 2
12 2 2
11 1 2
12 3 1
12 2 2
12 4 2
11 1 1
11 1 2
11 1 1
11 1 2
12 4 1
12 1 2
11 2 2
12 4 3
11 2 2
11 2 3
11 1 2
11 1 2
11 2 2
12 1 3
12 2 2
12 1 2
11 3 2
11 1 2
12 1 2
14 3 1
12 1 3
11 1 2
11 4 3
11 1 2
12 1 2
12 1 2
11 1 2
12 2 3
11 1 2
12 2 2
12 2 2
11 1 1
12 4 1
12 2 2
11 1 2
12 1 3
11 1 2
11 1 3
11 1 2
11 3 2
11 2 2
12 3 2
12 3 1
12 1 1
13 3 2
Coefficients
Estimate Standard Wald Chi-
z p
Error square
(Intercept -17.886 1193.464 -0.015 0.988
) 0.000225
Account 0.616 0.166 3.714 < .001
Balance 13.77036
Payment
Status of 0.554 0.233 2.384 0.017
Previous
Credit
5.653374
Purpose -0.049 0.07 -0.705 0.481 0.49
Value
Savings/S 0.4 0.144 2.778 0.005
tocks 7.716049

Length of
current 0.282 0.174 1.616 0.106
employm
ent
2.626635

Instalmen -0.18 0.207 -0.87 0.384

t per cent
0.756144
Sex &
Marital 0.503 0.285 1.763 0.078
Status 3.114915
Guaranto 0.749 0.471 1.592 0.111
rs 2.528843

Duration
in Current 0.014 0.193 0.074 0.941
address
0.005262
Most
valuable -0.191 0.233 -0.819 0.413
available
asset
0.671978

Concurre -0.285 0.288 -0.989 0.323

nt Credits
0.979275
Type of
apartmen 0.476 0.407 1.169 0.242
t 1.367808
No of
Credits at -0.786 0.429 -1.834 0.067
this Bank
3.356839
Occupati -0.013 0.397 -0.032 0.974
on 0.001072
No of
depende -0.28 0.616 -0.454 0.65
nts 0.206612
Telephon -0.295 0.461 -0.64 0.522
e 0.409489
Foreign 15.489 1193.462 0.013 0.99
Worker 0.000168

Duration_
of_month -0.078 0.363 -0.214 0.83
ly_Credit
0.046172
Credit_A -0.546 0.256 -2.13 0.033
month 4.548889
Age_grou 0.334 0.402 0.83 0.406
p 0.690305

Note. Creditability level '1' coded as class 1.