We have customer's data,we need to predict whether or not give a loan
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Asset: profit making products for Bank, simply loan/credits that will make profit for the bank.Loan product-Housing loan, Vehicle loan,Group loan, Education loan,Credit Card
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Liabilities: Products for which bank is loosing money or has to give money to a person,loss making products for banks- Current account,Savings account(CASA), Fixed deposit(FD), Recurring Deposit(RD)
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NPA: Non Performing Asset, loan that is default, loan account when DPD > 90 Days
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Disbursed Amount: loan amount given to a customer
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OSP(Outstanding Principle): let's say you took loan of 1 lack with EMI of 10k monthly, after 4 months you have paid 40k and remaining Bakaya/Balance is 60k that you have to pay. This Bakaya/Balance is OSP. OSP should be zero at the end of the loan cycle.
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EMI(Equated Monthly Installment)
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DSP(Days Past Due): Days I am late to pay. DPD ideally should be zero. when DPD become greater than zero, you become defaulted(you missed your EMI)
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PAR(Portfolio at Risk): OSP when DPD > 0, they remaining money of bank that is at risk
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Deliquency: Doing default
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CIBIL: Credit Information Bureau India Limited. It's a credit information company that collects and maintains records of credit card-related activities for individuals and businesses.Records loan and credit card repayments.Provides credit scores and reports to lenders.CIBIL credit score ranges from 300 to 900.More your credit score, better you are
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TL: Trande Line or loan or Assets
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Secured TL: loan that is secured by collateral
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DPD(zero): NDA(Non deliquent account),person who never become default = No default account
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DPD(0 to 30): SMA1(Standard Monitoring Account)
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DPD(31 to 60): SMA2(Standard Monitoring Account)
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DPD(61 to 90): SMA3(Standard Monitoring Account)
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DPD(90 to 180): NPA
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DPD(>180): Writen-off(Loan which is not present), bank will remove that NPA from book because,NPA improve = Loan portfolio quality of the bank will be better= Market sentiment will be good = stock price will improve
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GNPA: Gross NPA (3-5%) = OSP default,means that bank gave loan of 100 tk and 2-5 tk could not recover
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NNPA: Net NPA (0.01-0.06 %), Provisioning Amount subtracted
we have two dataset, one CIBIL dataset that shows data of credit card users.second dataset is about the user that took any kind of product(loan) from bank
- Target Column: Approved_Flag(P1-P4) shows priority level of an user. P1= Really good
| Column Name | Description |
|---|---|
| time_since_recent_payment | Time since recent payment made |
| time_since_first_deliquency | Time since first delinquency (missed payment) |
| time_since_recent_deliquency | Time since recent delinquency |
| num_times_delinquent | Number of times delinquent |
| max_delinquency_level | Maximum delinquency level |
| max_recent_level_of_deliq | Maximum recent level of delinquency |
| num_deliq_6mts | Number of times delinquent in last 6 months |
| num_deliq_12mts | Number of times delinquent in last 12 months |
| num_deliq_6_12mts | Number of times delinquent between last 6 and 12 months |
| max_deliq_6mts | Maximum delinquency level in last 6 months |
| max_deliq_12mts | Maximum delinquency level in last 12 months |
| num_times_30p_dpd | Number of times 30+ DPD (days past due) |
| num_times_60p_dpd | Number of times 60+ DPD (days past due) |
| num_std | Number of standard payments |
| num_std_6mts | Number of standard payments in last 6 months |
| num_std_12mts | Number of standard payments in last 12 months |
| num_sub | Number of sub-standard payments (not making full payments) |
| num_sub_6mts | Number of sub-standard payments in last 6 months |
| num_sub_12mts | Number of sub-standard payments in last 12 months |
| num_dbt | Number of doubtful payments |
| num_dbt_6mts | Number of doubtful payments in last 6 months |
| num_dbt_12mts | Number of doubtful payments in last 12 months |
| num_lss | Number of loss accounts |
| num_lss_6mts | Number of loss accounts in last 6 months |
| num_lss_12mts | Number of loss accounts in last 12 months |
| recent_level_of_deliq | Recent level of delinquency |
| tot_enq | Total enquiries |
| CC_enq | Credit card enquiries |
| CC_enq_L6m | Credit card enquiries in last 6 months |
| CC_enq_L12m | Credit card enquiries in last 12 months |
| PL_enq | Personal loan enquiries |
| PL_enq_L6m | Personal loan enquiries in last 6 months |
| PL_enq_L12m | Personal loan enquiries in last 12 months |
| time_since_recent_enq | Time since recent enquiry |
| enq_L12m | Enquiries in last 12 months |
| enq_L6m | Enquiries in last 6 months |
| enq_L3m | Enquiries in last 3 months |
| MARITALSTATUS | Marital status |
| EDUCATION | Education level |
| AGE | Age |
| GENDER | Gender |
| NETMONTHLYINCOME | Net monthly income |
| Time_With_Curr_Empr | Time with current employer |
| pct_of_active_TLs_ever | Percent active accounts ever |
| pct_opened_TLs_L6m_of_L12m | Percent accounts opened in last 6 months to last 12 months |
| pct_currentBal_all_TL | Percent current balance of all accounts |
| CC_utilization | Credit card utilization |
| CC_Flag | Credit card flag |
| PL_utilization | Personal loan utilization |
| PL_Flag | Personal loan flag |
| pct_PL_enq_L6m_of_L12m | Percent enquiries PL in last 6 months to last 12 months |
| pct_CC_enq_L6m_of_L12m | Percent enquiries CC in last 6 months to last 12 months |
| pct_PL_enq_L6m_of_ever | Percent enquiries PL in last 6 months to ever |
| pct_CC_enq_L6m_of_ever | Percent enquiries CC in last 6 months to ever |
| max_unsec_exposure_inPct | Maximum unsecured exposure in percent |
| HL_Flag | Housing loan flag |
| GL_Flag | Gold loan flag |
| last_prod_enq2 | Latest product enquired for |
| first_prod_enq2 | First product enquired for |
| Credit_Score | Applicant's credit score |
| Approved_Flag | Priority levels |
- Target Column:
| Column Name | Description |
|---|---|
| Total_TL | Total trade lines/accounts in Bureau |
| Tot_Closed_TL | Total closed trade lines/accounts |
| Tot_Active_TL | Total active accounts |
| Total_TL_opened_L6M | Total accounts opened in last 6 months |
| Tot_TL_closed_L6M | Total accounts closed in last 6 months |
| pct_tl_open_L6M | Percent accounts opened in last 6 months |
| pct_tl_closed_L6M | Percent accounts closed in last 6 months |
| pct_active_tl | Percent active accounts |
| pct_closed_tl | Percent closed accounts |
| Total_TL_opened_L12M | Total accounts opened in last 12 months |
| Tot_TL_closed_L12M | Total accounts closed in last 12 months |
| pct_tl_open_L12M | Percent accounts opened in last 12 months |
| pct_tl_closed_L12M | Percent accounts closed in last 12 months |
| Tot_Missed_Pmnt | Total missed payments |
| Auto_TL | Count of automobile accounts |
| CC_TL | Count of credit card accounts |
| Consumer_TL | Count of consumer goods accounts |
| Gold_TL | Count of gold loan accounts |
| Home_TL | Count of housing loan accounts |
| PL_TL | Count of personal loan accounts |
| Secured_TL | Count of secured accounts |
| Unsecured_TL | Count of unsecured accounts |
| Other_TL | Count of other accounts |
| Age_Oldest_TL | Age of oldest opened account |
| Age_Newest_TL | Age of newest opened account |