3 3. a. (4m) (4m) Use the Excel file Credit Risk data VI: Compute the combined savings and checking account balance. Then sort by the number of months as customer of the bank. From examining of the data, does it appear that customers with a longer association with the bank has more asset? Justify your answer. b. Apply Pareto analysis to draw conclusions about the combined amount of money in checking and savings account. Use Excel's filtering capability to extract all records for a new car loans How many individuals with new car loans are Single? Married? Divorced? d. Use Excel's filtering capability to extract all records for individuals employed less than 12 months. What conclusions can you draw about the credit risk of these individuals? C. (3m) (3m) 0 14 20 4 M M M F M M M M M M M Small Appliance $0 $3,529 Business $2.715 $1,435 Other $560 $887 Small Appliance $895 $243 New Car $305 $4,553 Small Appliance $0 $418 New Car $0 $771 Furniture SO $463 Business $8.948 $110 Used Car $0 $10,099 Used Car $0 $13,428 Small Appliance $0 $208 Small Appliance $0 $552 Education $0 $3,105 Small Appliance $483 $415 Large Appliance SO $1,238 Education $0 $239 Furniture $0 $127 Business $663 $0 New Car S624 $785 Repairs SO $718 Furniture $0 $493 Small Appliance $152 $757 New Car $0 $9,125 Small Appliance $0 $364 Business $498 $598 New Car $0 $374 Small Appliance $156 $0 Used Car $1,336 $0 New Car $0 $508 Small Appliance SO $956 Furniture $0 $636 New Car $2.641 $0 Used Car $0 $1,519 Business SO $922 Furniture $0 $180 Used Car $0 $701 Small Appliance SO $296 Small Appliance $887 $519 Business $o $800 Furniture $0 $736 Small Appliance $0 $11.838 Small Appliance SO $364 New Car $18.408 $212 New Car $497 $888 Used Car $0 $999 Small Appliance $946 $0 Business $986 $578 Education $8,122 $136 Furniture $0 $734 Business $778 $861 Other $645 $855 14 49 25 13 7 19 25 11 31 16 7 13 13 16 19 13 13 31 19 37 19 13 49 13 13 37 10 13 37 13 25 22 13 40 19 5 22 16 7 49 13 7 5 13 16 25 16 28 22 37 49 25 4 0 13 90 108 0 23 15 19 6 0 2 35 57 9 0 21 45 24 12 14 19 58 11 M F F M M F F M M F M M F F F M M F M M M Divorced 63 Divorced 37 Single 38 Married 22 Divorced 31 Single 31 Single 42 Single 24 Single 65 Single 22 Divorced 22 Single 51 Divorced 23 Divorced 30 Married 32 Divorced 21 Divorced 52 Divorced 22 Single 41 Divorced 53 Divorced 54 Single 37 Single 27 Divorced 25 Divorced 34 Divorced 29 Single 27 Divorced 32 Single 29 Single 32 Divorced 28 Divorced 25 Divorced 51 Single 44 Single 33 Divorced 22 Single 35 Single 30 Married 27 Divorced 23 Divorced 19 Single 44 Single 41 Divorced 35 Divorced 25 Single 28 Single 34 Divorced 31 Divorced 32 Single 41 Single 22 Single 28 4 41 71 74 29 2 108 8 42 2 6 70 35 9 3 0 83 1 4 111 21 17 M M F M M F M M Canned with Cumanne New Car Small Appliance New Car Used Car Education Furniture Large Appliance Furniture Furniture Business Used Car Small Appliance Small Appliance Used Car Small Appliance Repairs Furniture Used Car New Car New Car New Car Repairs Furniture Used Car Small Appliance New Car Business Small Appliance Small Appliance Business Furniture Furniture Small Appliance Small Appliance Furniture Used Car Business New Car New Car Furniture New Car Small Appliance Furniture Small Appliance Business Small Appliance New Car Education New Car New Car New Car Furniture $942 $3,036 $0 $643 $3,329 $0 $0 $6,345 $0 $922 $0 $909 $0 $775 $0 $979 $0 $948 $339 $2,790 $0 $309 $0 $762 $0 $970 $105 $320 $0 5861 $216 $262 $113 $892 $109 $540 $0 $470 $0 $192 $8,176 $12,230 SO $772 $468 $14,186 57,885 $6,330 $0 $18,716 SO $886 $0 $750 $0 $3,870 $0 $3,273 $0 $406 SO $461 $0 $340 $0 $6.490 $734 $348 $0 $506 $0 $14,717 $172 $0 $644 $1,571 $0 $0 S617 $411 $0 $544 $586 SO $0 5835 $0 $823 $0 $5,180 $0 $408 $0 $821 $522 $385 $585 $2,223 $5,588 SO $0 $605 $352 $7,525 25 19 19 25 37 25 19 25 19 22 49 10 13 28 13 37 11 37 13 7 7 25 22 16 19 22 37 25 13 6 13 19 19 7 25 28 25 19 25 31 25 13 19 25 22 16 48 10 16 22 37 13 36 6 15 19 9 3 8 48 2 55 37 1 14 54 111 2 14 1 0 2 5 19 24 14 93 96 2 11 4 35 48 4 85 100 3 7 36 1 19 3 0 0 42 47 4 12 5 66 0 10 20 4 M M M M F M M M F M F F M M M M M F M M M M M M M M F M M Single 37 Single 31 Single 67 Single 26 Divorced 24 Single 21 Married 46 Single 22 Divorced 20 Divorced 60 Single 25 Divorced 21 Divorced 22 Single 29 Single 56 Single 32 Divorced 30 Married 27 Divorced 37 Single 39 Married 26 Divorced 32 Single 31 Single 35 Single 31 Single 64 Divorced 27 Divorced 31 Married 32 Single 73 Divorced 30 Married 42 Single 45 Single 27 Divorced 22 Single 26 Single 33 Divorced 27 Divorced 24 Married 21 Divorced 28 Single 51 Divorced 21 Single 27 Single 40 Single 34 Divorced 34 Single 63 Single 33 Divorced 28 Divorced 24 Divorced 18 M M M M &ss F M M M M M M M Canned with Cumanne M M Furniture SO $4,486 New Car $682 $2,017 New Car $19,812 $0 Business SO $500 Used Car $0 $859 Business $859 $3,305 Small Appliance $0 $1,218 New Car $0 $9,016 New Car $0 $11,587 Furniture $0 $8,944 Repairs $0 $807 Small Appliance $0 $867 Small Appliance $795 $16,804 Furniture So $347 Furniture $0 $836 Furniture $0 $142 Furniture $0 $169 Other $852 $3,613 Education $0 $403 Small Appliance $0 $836 New Car $425 $0 Business $0 $11,481 Business SO $3,285 Education SO $164 New Car $11,072 $891 Used Car SO SO Used Car $219 $841 New Car $8,060 $607 New Car $0 $486 New Car $0 Small Appliance SO $0 New Car $0 $113 New Car $1,613 $0 Furniture $757 $208 Retraining SO $603 New Car $0 $343 Education $977 $463 Education $197 SO Furniture $0 $299 New Car $0 $490 Small Appliance $0 $6,628 Business $0 $859 New Car SO $750 Small Appliance $256 $954 New Car $296 $591 Furniture $0 $13,970 New Car $0 $857 Furniture $0 $5,857 Small Appliance $298 $3,326 Small Appliance $0 $726 Furniture $8.636 $214 New Car SO $207 10 37 25 25 31 25 13 49 22 25 25 31 49 16 16 7 19 61 7 25 19 25 7 13 61 37 43 19 12 25 43 25 25 25 13 19 10 37 19 13 37 19 13 10 37 13 11 19 73 19 11 13 3 85 37 1 89 26 38 22 46 66 75 27 40 5 4 53 6 83 5 0 7 18 21 65 17 49 0 71 22 52 28 31 118 36 35 22 61 17 11 15 65 23 14 13 103 24 34 20 15 7 3 119 F M F M M F M M M Divorced 21 Single 41 Single 36 Single 26 Single 37 Single 35 Single 34 Single 43 Divorced 30 Single 31 Single 43 Divorced 24 Single 26 Divorced 45 Single 26 Divorced 48 Single 43 Divorced 59 Divorced 55 Single 29 Divorced 32 Single 53 Single 33 Divorced 56 Single 33 Single 46 Single 54 Divorced 22 Single 35 Single 46 Divorced 29 Divorced 22 Married 53 Divorced 42 Married 20 Divorced 35 Divorced 33 Married 26 Single 46 Divorced 28 Single 38 Single 35 Single 47 Single 23 Single 56 Divorced 28 Single 48 Single 27 Married 23 Divorced 24 Divorced 22 Single 42 $108 M M M M M Canned with Cumanne $127 54 90 13 22 28 14 36 M F F M M M M F F F M M F M M F M M M 4 28 81 57 2 67 New Car SO $713 New Car $19,766 $2,141 New Car $0 $483 New Car $0 Furniture SO $367 Small Appliance $0 $813 Furniture $4,089 $0 New Car so $102 Repairs $271 $759 New Car $949 $0 Small Appliance SO $503 Small Appliance $911 $823 New Car SO $693 Used Car SO $973 New Car $0 $648 Other SO $523 Used Car $271 $7,090 Small Appliance SO $596 Used Car $0 $904 New Car $0 $541 Furniture SO $154 New Car $4.802 $0 Business $177 $0 Small Appliance SO $337 New Car $0 $716 Education $996 $837 Education $705 $0 Furniture $0 $7.710 New Car SO $531 Small Appliance $5.960 $129 Furniture $0 $941 Furniture $759 $596 Furniture SO $987 Small Appliance $651 $0 Business $257 $460 Small Appliance $955 $0 Small Appliance $0 $798 Small Appliance $8,249 SO Small Appliance SO $959 Small Appliance $956 $1,482 New Car $382 $883 Furniture SO $12,721 Education $842 $0 Repairs $3.111 $0 Small Appliance $0 $302 Furniture $0 $538 Small Appliance $2.846 $0 Small Appliance $231 $702 Repairs $0 $2,688 Small Appliance $17.366 $0 Small Appliance SO $425 New Car $332 $214 13 11 19 7 37 43 7 7 19 49 13 46 19 49 15 37 25 13 49 19 37 37 49 25 19 49 25 25 13 13 13 10 37 37 49 49 25 31 11 46 31 37 37 13 10 25 13 10 10 16 13 25 13 2 12 9 107 33 83 24 114 5 16 111 18 101 102 75 29 42 77 21 19 20 31 9 27 30 59 14 99 89 21 10 2 M M M M M F M M M M F M M F M M M M M F F M F M M M M M M M Single 25 Divorced 47 Divorced 32 Single 25 Single 36 Single 25 Married 26 Divorced 53 Divorced 66 Divorced 23 Single 25 Single 24 Single 31 Divorced 57 Divorced 44 Divorced 42 Divorced 27 Single 51 Single 23 Single 31 Divorced 22 Single 35 Single 37 Single 35 Single 30 Single 49 Divorced 32 Single 52 Single 45 Married 23 Single 41 Divorced 28 Single 30 Single 50 Divorced 58 Single 36 Single 23 Single 48 Single 37 Single 20 Divorced 23 Divorced 39 Single 34 Divorced 22 Single 21 Single 38 Single 36 Single 26 Single 47 Single 38 Single 27 Single 25 Canned with Cumanne $492 16 88 1 41 22 14 New Car SO $369 Retraining $644 $0 Furniture $305 New Car $9.621 $308 Education SO $127 Business $0 $565 Furniture $0 $12,632 New Car $0 $116 Used Car $0 $178 Small Appliance $6,851 $901 Furniture $13.496 $650 Business $509 $241 Used Car $0 $609 Furniture $19.155 $131 Furniture $0 $544 Small Appliance 0 $10,853 Used Car $374 SO Large Appliance $0 $409 Furniture $828 $391 Furniture $0 $322 Small Appliance $829 $583 Small Appliance $0 $12.242 Furniture $0 $479 New Car $939 $496 New Car $0 $466 New Car $889 $1,583 Furniture $876 $1,533 Small Appliance $893 $0 Business $12.760 $4,873 Furniture $0 $0 Small Appliance SO $717 Small Appliance $959 $7,876 Small Appliance $0 $4,449 Other $0 $0 Business SO $104 Repairs $0 $897 New Car $698 $4,033 Furniture SO $945 Furniture SO $836 Small Appliance SO $325 Small Appliance $12.974 $19,568 Furniture SO $803 Small Appliance $317 $10,980 Business $0 $265 Repairs $0 $609 Small Appliance $0 $1,851 Furniture $192 $199 New Car $0 $500 New Car $0 $509 Used Car $0 $270 New Car $0 $457 Used Car $0 $260 10 13 19 25 13 19 16 49 13 13 19 25 37 25 19 25 25 49 9 13 7 25 19 19 25 37 31 16 13 13 22 28 25 25 25 19 16 13 25 19 13 13 13 13 31 12 25 28 16 25 13 25 45 89 21 20 14 6 24 15 81 14 15 12 9 18 53 0 56 42 79 21 94 73 94 10 20 87 54 23 2 20 6 99 13 7 89 17 10 3 M M F M M M F M M F M M M F F M M F F F M M M M M F M M M F M M M M Single 20 Single 37 Divorced 26 Single 37 Single 39 Married 27 Divorced 19 Single 45 Single 34 Divorced 43 Single 33 Single 35 Single 31 Single 25 Divorced 27 Divorced 56 Single 45 Single 53 Divorced 23 Divorced 25 Divorced 63 Single 34 Single 24 Single 35 Single 30 Single 29 Divorced 20 Single 49 Single 56 Single 48 Divorced 24 Single 22 Single 30 Single 39 Married 20 Divorced 22 Married 24 Divorced 41 Single 32 Divorced 23 Divorced 41 Single 52 Single 65 Divorced 26 Divorced 33 Divorced 56 Divorced 24 Divorced 20 Single 35 Single 34 Single 38 Single 34 M M F M F F F M M M Canned with Cumanne Small Appliance SO $897 Small Appliance $265 $947 Furniture $4.256 $0 Business $870 $917 New Car $162 $595 Used Car SO $789 Education $0 $0 Furniture $0 $746 New Car $461 $140 New Car $0 $659 Furniture $0 $717 New Car $0 $667 New Car $580 $0 Small Appliance $0 $763 New Car $0 $1,366 Small Appliance $0 $552 Small Appliance $0 $14,643 Business $758 $2,665 Used Car $399 $0 Furniture $513 $442 Furniture $0 $8.357 New Car $0 $0 Small Appliance $565 $863 Business SO $322 Furniture $0 $800 Small Appliance $0 $656 New Car $166 $922 Business 59.783 $885 Business $674 $2,886 Repairs $0 $626 Business $15,328 $0 New Car $0 $904 Education $713 $784 New Car SO $806 Education $0 $3,281 New Car $0 $759 Small Appliance SO $680 Used Car SO $104 Small Appliance $303 $899 Small Appliance $900 $1,732 Furniture SO $706 Education $1.257 $0 Small Appliance $0 $576 Repairs $273 $904 Business $522 $194 Small Appliance $0 $710 Small Appliance $0 $5,564 Small Appliance $0 $192 New Car $0 $637 Small Appliance $514 $405 Furniture $457 $318 Small Appliance $5,133 $698 19 25 16 28 22 25 37 13 19 19 37 29 11 13 19 25 16 13 31 7 25 22 10 28 13 37 13 13 49 43 25 12 61 19 19 16 25 37 13 37 31 10 7 7 25 25 25 46 13 49 19 19 5 5 36 6 10 28 114 16 32 5 60 10 8 46 17 4 115 31 0 0 5 9 81 28 69 85 2 3 32 0 9 6 17 3 20 59 3 25 3 11 14 65 14 2 79 1 93 13 21 13 108 14 M M F M M M M F M F M M M F M M M M F M M M M M M F F M M M M M Married 38 Married 21 Divorced 32 Single 35 Divorced 46 Single 37 Single 39 Divorced 29 Single 27 Divorced 22 Single 40 Single 44 Single 26 Divorced 57 Single 34 Married 47 Single 46 Single 38 Divorced 52 Single 34 Single 29 Single 39 Single 36 Single 25 Single 59 Single 27 Divorced 24 Divorced 25 Single 29 Single 64 Single 31 Single 38 Single 41 Divorced 22 Divorced 29 Single 32 Divorced 34 Single 23 Single 21 Divorced 49 Divorced 31 Divorced 40 Divorced 28 Married 21 Divorced 30 Divorced 37 Single 33 Single 22 Divorced 23 Divorced 21 Single 40 Single 36 M M M M M M M Canned with Cumanne Credit Risk Data Loan Purpose Checking Savings Months Custome Months Employed Gender Marital Status Age Small Appliance SO $739 13 12 M Single 23 Furniture $0 $1,230 25 0 M Divorced 32 New Car $0 $389 19 119 M Single 38 Furniture $638 $347 13 14 M Single 36 Education $963 $4,754 40 45 M Single 31 Furniture $2.827 SO 11 13 M Married 25 New Car $0 $229 13 16 M Married 26 Business SO $533 14 2 M Single 27 Small Appliance $6,509 $493 37 9 M Single 25 Small Appliance $966 $0 25 4 F Divorced 43 Business SO $989 49 0 M Single 32 New Car $0 $3,305 11 15 M Single 34 Business $322 $578 10 14 M Married 26 New Car SO $821 25 63 M Single 44 New Car $396 $228 13 26 M Single 46 Used Car SO $129 31 8 M Divorced 39 Furniture $652 $732 49 4 F Divorced 25 New Car $708 $683 13 33 M Single 31 Repairs $207 $0 28 116 M Single 47 Education $287 $12,348 2 F Divorced 23 Furniture $0 $17,545 34 16 Divorced 22 Furniture $101 $3,871 13 5 F Divorced 26 Furniture $0 $0 25 23 M Married 19 Furniture $0 $485 37 23 Divorced 27 New Car $0 $10,723 11 15 M Single 39 Business $141 $245 22 33 M Single 26 Used Car $0 $0 19 58 M Single 50 Used Car $2,484 SO 49 46 M Small Appliance Single 34 $237 $236 37 24 M Single 23 Small Appliance 0 $485 19 12 M Single 23 Education $335 $1,708 37 7 M Single 46 Small Appliance $3.565 $0 31 32 M Single 35 Small Appliance $0 $407 13 2 F Divorced 28 Business $16.647 $895 16 34 M Single 25 Business SO $150 49 46 F Divorced 36 Small Appliance SO $490 5 41 M Single 41 Furniture $0 $162 25 1 M Divorced 54 Small Appliance $940 $715 9 40 F Divorced 43 Small Appliance $0 $323 49 42 M Married 33 New Car $0 $128 13 74 M Single 34 Other $218 $0 49 0 M Single 39 Used Car $0 $109 25 26 M Single 34 Small Appliance $16.935 $189 60 M Single 30 Furniture 5664 $537 33 M Single 48 Furniture $150 $6,520 12 1 F Divorced 19 Small Appliance $0 $139 7 119 M Married 29 Furniture $216 $0 19 3 F Divorced 26 New Car SO $660 17 75 M Single 42 Business $0 $724 25 8 M Single 30 Canned with Cumanne Own Rent Rent Own Other Own Own Other Own Own Own Own 4 Skilled 3 Skilled 4 Skilled 4 Skilled 4 Unskilled 3 Skilled 2 Unskilled 4 Skilled 4 Skilled 2 Skilled 2 Skilled 3 Management High High Low Low High Low High Low High High High Low Canned with Cumanne Own Other Rent Rent High High High LOW Low High Low Low Low Low Low High High Own Own Own Own Own Own Own Own Other Other Own Own Rent Own Other Own Rent Own Other Own High High Low High Low High High Own Other Own Own Own 2 Skilled 4 Unskilled 4 Skilled 3 Skilled 2 Skilled 2 Skilled 2 Skilled 4 Unemployed 4 Skilled 2 Skilled 2 Skilled 2 Unskilled 4 Unskilled 4 Unskilled 4 Management 3 Management 4 Skilled 4 Skilled 4 Skilled 2 Skilled 4 Skilled 4 Skilled 4 Skilled 1 Management 2 Skilled 4 Skiled 2 Skilled 4 Skilled 2 Skilled 1 Skilled 4 Skilled 2 Skilled 4 Skilled 2 Skilled 3 Skilled 3 Skilled 4 Unskilled 4 Unskilled 4 Skilled 4 Skilled 2 Skilled 4 Skilled 4 Unskilled 4 Skiled 2 Skilled 2 Management 4 Skilled 4 Unskilled 4 Skilled 4 Skilled 2 Skilled 1 Skilled Own N Own Own Own Own Rent Own Rent Own Own Rent Own Own Other Own Own Rent Other Own Own Other Rent Own High Low Low Low High High Low Low High Low Low High High Low High Low High Low Low High High Low Low Low High High Low Low Low High High LOW Canned with Cumanne Own Own Own Rent Own Own Other Rent Own Rent Rent Own Own Own Own Own Own Rent Own Rent Other Own Own Own Own Own Own Own Own Own NN 4 Skilled 2 Skilled 3 Management 1 Skilled 1 Unskilled 2 Skilled 2 Skilled 2 Unskilled 4 Management 4 Skilled 2 Unemployed 4 Skilled 4 Unskilled 3 Skilled 2 Skilled 3 Skilled 4 Skilled 4 Skilled 2 Skilled 2 Skilled 4 Unemployed 3 Unskilled 4 Skilled 2 Skilled 2 Skilled 2 Management 3 Unskilled 3 Unskilled 2 Management 1 Unskilled 2 Unskilled 4 Unskilled 4 Management 2 Management 1 Skilled 3 Unskilled 4 Management 2 Skilled 3 Unskilled 4 Skilled 4 Skilled 4 Unskilled 1 Unskilled 2 Skilled 1 Unemployed 2 Management 2 Skilled 1 Skilled 1 Skilled 2 Skilled 2 Skilled 3 Management Low High High High High Low High High High Low Low Low High Low High High High High Low Low High Low High High Low High High High Low High High Low Low Low Low Low Low LOW Low High High Low Low Low High Low Low Low High High High Rent Rent Other Own Own Rent Own Own Own Rent Rent Own Own Own Rent Other Own Own Rent Own Own Own High Canned with Cumanne Rent Own Own Own Other Rent Own Other Low High High High Low Low Low High LOW Low Low Own GNN LOW High Rent Other Own Own Rent Own Own Own Other Own Own Own Own Own Other Other Other Other 4 Skilled 4 Management 2 Unskilled 2 Skilled 4 Management 4 Management 1 Skilled Skilled 2 Management Skiled 4 Skilled 2 Skilled 2 Skilled 1 Skilled 3 Unskilled 1 Skilled 3 Skilled 4 Management 2 Skilled 2 Management 2 Skilled 3 Management 2 Unskilled 4 Unskilled 4 Skilled 4 Skilled 2 Management 2 Management 2 Skilled 4 Unskilled 3 Management 4 Skilled 4 Skilled 3 Skilled 4 Skilled 3 Skilled 3 Management 2 Skilled 4 Skilled 2 Skilled 4 Skilled 2 Skilled 4 Skilled 3 Skilled 4 Skilled 4 Unskilled 3 Skilled 2 Skilled 2 Skilled 4 Skilled 2 Skilled 4 Skilled Own Rent Own Own Rent Own Own Rent Own Own Own Other Own Own Own Own Own Other Rent Own Own Own Rent Own Low Low Low High High Low High High High Low Low Low High Low Low Low High High High Low High High Low High Low Low High Low High High Low High High Low Low High High Low Rent High Canned with Cumanne Own Low High Low High Low Low High Own Rent Own Own Own Own Own Rent Rent Own Own Own Own Own Own Own Own Own Own Other Own Own Own Own Own Rent Own Own Own Own Own 4 Skilled 1 Skilled 4 Unskilled 2 Skilled 4 Skilled 3 Management 4 Management 3 Skilled 3 Unskilled 3 Skilled 2 Skilled 2 Unskilled 4 Unskilled 3 Unskilled 4 Unskilled 4 Skilled 3 Skilled Unskilled 1 Management 1 Management 4 Skilled 2 Unskilled 4 Unskilled 4 Skilled 3 Skilled 2 Skilled 1 Skilled 1 Unemployed 2 Skilled 4 Unemployed 4 Skilled 4 Unskilled 4 Unskilled 2 Skilled 3 Skilled 4 Skilled 4 Skilled 1 Skilled 4 Skilled 2 Skilled 4 Unskilled 1 Skilled 1 Unskilled 4 Skilled 3 Skilled 2 Skilled 4 Skilled 2 Unskilled 2 Skilled 1 Skilled 2 Skilled Low Low High High High High Low Low High Low Low High Low High High Low Low High Low High High Low Low Low Low High High High High High High High High Low Low Low Low High Low Low High High High Low Other Skilled Own Own Rent Own Own Own Other Own Rent Own Own Own Own Own Other Own Own Own Own High Canned with Cumanne Own LOW Housing Years Job Credit Risk 3 Unskilled LOW Own 1 Skilled High Own 4 Management High Own 2 Unskilled High Rent 3 Skilled Own 1 Skilled Low Own 3 Unskilled Low Own 1 Unskilled Low Own 2 Skilled High Own 1 Skilled High Rent 2 Management High Rent 2 Unskilled Low Own 1 Skilled Low Own 1 Skilled High Own 3 Unskilled Low Own 4 Management Low Own 2 Skilled High Own 2 Skilled Low Own 4 Skilled Low Rent 2 Skilled High Own Skiled High Rent 4 Skilled High Own 4 Skilled High Own 2 Management High Rent 2 Unskilled Low Own 3 Skilled Low Other 4 Skilled High 1 Skilled Low Rent 4 Skilled Low Own 2 Skilled Low Other 4 Skiled High Own 3 Skilled Low Own 2 Skilled Rent 4 Skilled Low 4 Skiled High Own 1 Unskilled Low Own 1 Skilled High 2 Unskilled Low Own 1 Skidled High Own 3 Skilled High Other 4 Unemployed Low Own 3 Unskilled Low Own 2 Skilled Low Own 2 Skilled High Own 1 Skilled Low Rent 2 Skilled Low Rent 3 Skilled High Rent 4 Skilled High Rent 2 Skilled High Other LOW Rent Own 2 Canned with Cumanne Own Low Low Low High High High Low High High Low High High Low Low Low Low Low High High Low Low High GA Own Own Other Rent Own Rent Other Other Rent Own Own Other Own Own Rent Own Own Own Own Own Own Own Own Own Other Rent Own Rent Rent Own Own Own Own Own Own Rent Own Own Own Rent Other Own Own Own Own Own Rent Own Own Own Own 1 Skilled 4 Skilled 1 Skilled 3 Skilled 4 Unskilled 2 Skilled 4 Skilled 4 Skilled 4 Skilled 2 Unskilled 1 Unskilled 4 Unskilled 2 Management 2 Skilled 2 Skilled 4 Management 4 Management 4 Skilled 4 Skilled Skilled 3 Skilled 2 Skilled 1 Unemployed 4 Skilled 3 Skilled 3 Skilled Skilled 4 Skilled 4 Unskilled 4 Skilled 2 Skilled 2 Unskilled 4 Skilled 3 Management 2 Unskilled 4 Skilled 2 Skilled 1 Skilled 4 Sked 2 Skilled 3 Skilled 4 Management 3 Unskilled 2 Skilled 1 Unskilled 4 Unskilled 4 Unskilled 3 Skilled 3 Skilled 3 Skilled 4 Management 4 Management High High High Low High Low Low Low High High High High Low High High Low Low High Low High High Low High Low High High Low Low Low Low Canned with Cumanne Own Other Rent Own Own Other Own Rent Rent Rent Own Rent Own Own Own Rent Own Rent Own Own Own Own Own Own Own Own Own Low Low High Low High Low High High Low High Low High Low Low High High Low High Low 3 Skilled 2 Management 4 Skilled 2 Skilled 2 Management 1 Skilled 3 Unskilled 4 Skilled 4 Skilled 2 Unskilled 3 Skilled 4 Skilled 1 Skiled 2 Management 4 Unskilled 1 Unskilled 2 Unskilled 4 Management 2 Unemployed 4 Unskilled 2 Unemployed 2 Skilled 2 Skilled 2 Skilled 3 Management Skilled 1 Skilled 2 Unskilled 3 Unskilled 4 Unskilled 4 Unskilled 1 Unskilled 4 Skilled 4 Skilled 4 Unskilled 2 Skilled 3 Skilled 3 Skilled 4 Skilled 1 Skilled 4 Unemployed 1 Management 1 Skilled 2 Skilled 2 Unskilled 4 Skilled 1 Unskilled 4 Unskilled 2 Management 4 Skilled 2 Skilled 4 Unskilled Own Own Own Own Own Own Own Rent Own Own Own Rent Own Rent Own Own Own Own Other Own Own Own Own Own Rent Low Low Low Low Low Low Low High High High Low Low High Low Low High Low Low High High Low High High High Low High Low Low Low High High High LOW Canned with Cumanne $983 37 13 13 New Car Furniture Used Car Used Car Education New Car New Car Small Appliance Furniture New Car New Car New Car SO $770 $950 $0 S160 $0 $276 $798 $137 $0 $679 $193 $2,684 $497 $0 $0 $0 $0 $0 SO $712 $0 $912 F F M M F M F M M F F M 5 7 91 25 70 5 51 53 103 6 39 13 7 31 25 16 Divorced 33 Divorced 24 Married 40 Single 62 Divorced 33 Married 29 Divorced 22 Single 35 Single 30 Divorced 28 Divorced 28 Single 44 Canned with Cumanne $983 37 13 13 New Car Furniture Used Car Used Car Education New Car New Car Small Appliance Furniture New Car New Car New Car SO $770 $950 $0 S160 $0 $276 $798 $137 $0 $679 $193 $2,684 $497 $0 $0 $0 $0 $0 SO $712 $0 $912 F F M M F M F M M F F M 5 7 91 25 70 5 51 53 103 6 39 13 7 31 25 16 Divorced 33 Divorced 24 Married 40 Single 62 Divorced 33 Married 29 Divorced 22 Single 35 Single 30 Divorced 28 Divorced 28 Single 44 Canned with Cumanne SO 6 90 1 95 32 62 46 92 73 19 7 9 13 49 49 25 37 49 31 25 13 31 43 19 19 37 37 25 13 8 9 40 5 2 16 0 7 41 Small Appliance $242 New Car $0 $272 Business $929 $124 Small Appliance $0 $17,124 Used Car $0 $612 New Car $0 $862 Furniture $0 $146 New Car $0 $14,190 Used Car $0 $396 Small Appliance $0 $519 Used Car $646 SO New Car $538 $344 Furniture $0 S204 Small Appliance $0 $148 Furniture $0 $435 Small Appliance SO $914 New Car $135 $0 Used Car $2,472 $0 New Car $0 $412 New Car $10,417 $19,811 Small Appliance $211 $822 Small Appliance $16.630 $0 Furniture $0 $3,369 Furniture S642 $0 Small Appliance $0 $707 Small Appliance $296 $818 Business $898 $177 New Car $478 $4,071 New Car $315 $466 New Car $122 $460 Furniture SO $991 Small Appliance $0 $17,653 Education $497 Business $670 $4,014 Business $444 $921 New Car $3,880 $0 Used Car $819 $0 Used Car SO $607 Large Appliance $0 $15,800 Furniture $0 $369 Business $0 $4,973 Furniture $0 $0 New Car $0 $761 Education $0 $471 Used Car $0 $674 New Car $0 $547 Furniture $161 $524 Furniture $0 $815 Used Car $0 $0 New Car $789 $989 Small Appliance $765 $10.406 Furniture $0 $957 27 5 47 17 65 26 93 105 40 3 109 25 13 7 19 22 10 13 37 7 22 41 31 28 23 13 37 16 7 25 40 25 7 37 13 13 19 11 31 10 19 >>>>>>>>> :::: :::: :: :: : : sssssss ssss : Single 28 Single 67 Married 25 Married 34 Single 38 Single 41 Single 26 Single 35 Single 45 Divorced 32 Divorced 47 Married 24 Divorced 30 Single 33 Divorced 23 Divorced 21 Single 36 Single 30 Single 52 Married 27 Divorced 44 Single 26 Single 24 Divorced 24 Single 50 Married 31 Divorced 38 Single 28 Single 48 Single 56 Divorced 31 Divorced 28 Single 26 Divorced 25 Divorced 41 Divorced 24 Single 29 Single 25 Single 35 Single 35 Single 26 Single 29 Single 59 Divorced 34 Single 41 Divorced 35 Single 27 Single 41 Divorced 30 Married 27 Divorced 65 Divorced 19 30 4 24 21 51 37 23 17 40 23 17 30 92 52 69 40 106 13 4 0 24 11 Canned with Cumanne 3. a. (4m) (4m) Use the Excel file Credit Risk data VT: Compute the combined savings and checking account balance. Then sort by the number of months as customer of the bank. From examining of the data, does it appear that customers with a longer association with the bank has more asset? Justify your answer. b. Apply Pareto analysis to draw conclusions about the combined amount of money in checking and savings account, Use Excel's filtering capability to extract all records for a new car loans. How many individuals with new car loans are Single? Married? Divorced? d. Use Excel's filtering capability to extract all records for individuals employed less than 12 months. What conclusions can you draw about the credit risk of these individuals? (3. (3m 3 3. a. (4m) (4m) Use the Excel file Credit Risk data VI: Compute the combined savings and checking account balance. Then sort by the number of months as customer of the bank. From examining of the data, does it appear that customers with a longer association with the bank has more asset? Justify your answer. b. Apply Pareto analysis to draw conclusions about the combined amount of money in checking and savings account. Use Excel's filtering capability to extract all records for a new car loans How many individuals with new car loans are Single? Married? Divorced? d. Use Excel's filtering capability to extract all records for individuals employed less than 12 months. What conclusions can you draw about the credit risk of these individuals? C. (3m) (3m) 0 14 20 4 M M M F M M M M M M M Small Appliance $0 $3,529 Business $2.715 $1,435 Other $560 $887 Small Appliance $895 $243 New Car $305 $4,553 Small Appliance $0 $418 New Car $0 $771 Furniture SO $463 Business $8.948 $110 Used Car $0 $10,099 Used Car $0 $13,428 Small Appliance $0 $208 Small Appliance $0 $552 Education $0 $3,105 Small Appliance $483 $415 Large Appliance SO $1,238 Education $0 $239 Furniture $0 $127 Business $663 $0 New Car S624 $785 Repairs SO $718 Furniture $0 $493 Small Appliance $152 $757 New Car $0 $9,125 Small Appliance $0 $364 Business $498 $598 New Car $0 $374 Small Appliance $156 $0 Used Car $1,336 $0 New Car $0 $508 Small Appliance SO $956 Furniture $0 $636 New Car $2.641 $0 Used Car $0 $1,519 Business SO $922 Furniture $0 $180 Used Car $0 $701 Small Appliance SO $296 Small Appliance $887 $519 Business $o $800 Furniture $0 $736 Small Appliance $0 $11.838 Small Appliance SO $364 New Car $18.408 $212 New Car $497 $888 Used Car $0 $999 Small Appliance $946 $0 Business $986 $578 Education $8,122 $136 Furniture $0 $734 Business $778 $861 Other $645 $855 14 49 25 13 7 19 25 11 31 16 7 13 13 16 19 13 13 31 19 37 19 13 49 13 13 37 10 13 37 13 25 22 13 40 19 5 22 16 7 49 13 7 5 13 16 25 16 28 22 37 49 25 4 0 13 90 108 0 23 15 19 6 0 2 35 57 9 0 21 45 24 12 14 19 58 11 M F F M M F F M M F M M F F F M M F M M M Divorced 63 Divorced 37 Single 38 Married 22 Divorced 31 Single 31 Single 42 Single 24 Single 65 Single 22 Divorced 22 Single 51 Divorced 23 Divorced 30 Married 32 Divorced 21 Divorced 52 Divorced 22 Single 41 Divorced 53 Divorced 54 Single 37 Single 27 Divorced 25 Divorced 34 Divorced 29 Single 27 Divorced 32 Single 29 Single 32 Divorced 28 Divorced 25 Divorced 51 Single 44 Single 33 Divorced 22 Single 35 Single 30 Married 27 Divorced 23 Divorced 19 Single 44 Single 41 Divorced 35 Divorced 25 Single 28 Single 34 Divorced 31 Divorced 32 Single 41 Single 22 Single 28 4 41 71 74 29 2 108 8 42 2 6 70 35 9 3 0 83 1 4 111 21 17 M M F M M F M M Canned with Cumanne New Car Small Appliance New Car Used Car Education Furniture Large Appliance Furniture Furniture Business Used Car Small Appliance Small Appliance Used Car Small Appliance Repairs Furniture Used Car New Car New Car New Car Repairs Furniture Used Car Small Appliance New Car Business Small Appliance Small Appliance Business Furniture Furniture Small Appliance Small Appliance Furniture Used Car Business New Car New Car Furniture New Car Small Appliance Furniture Small Appliance Business Small Appliance New Car Education New Car New Car New Car Furniture $942 $3,036 $0 $643 $3,329 $0 $0 $6,345 $0 $922 $0 $909 $0 $775 $0 $979 $0 $948 $339 $2,790 $0 $309 $0 $762 $0 $970 $105 $320 $0 5861 $216 $262 $113 $892 $109 $540 $0 $470 $0 $192 $8,176 $12,230 SO $772 $468 $14,186 57,885 $6,330 $0 $18,716 SO $886 $0 $750 $0 $3,870 $0 $3,273 $0 $406 SO $461 $0 $340 $0 $6.490 $734 $348 $0 $506 $0 $14,717 $172 $0 $644 $1,571 $0 $0 S617 $411 $0 $544 $586 SO $0 5835 $0 $823 $0 $5,180 $0 $408 $0 $821 $522 $385 $585 $2,223 $5,588 SO $0 $605 $352 $7,525 25 19 19 25 37 25 19 25 19 22 49 10 13 28 13 37 11 37 13 7 7 25 22 16 19 22 37 25 13 6 13 19 19 7 25 28 25 19 25 31 25 13 19 25 22 16 48 10 16 22 37 13 36 6 15 19 9 3 8 48 2 55 37 1 14 54 111 2 14 1 0 2 5 19 24 14 93 96 2 11 4 35 48 4 85 100 3 7 36 1 19 3 0 0 42 47 4 12 5 66 0 10 20 4 M M M M F M M M F M F F M M M M M F M M M M M M M M F M M Single 37 Single 31 Single 67 Single 26 Divorced 24 Single 21 Married 46 Single 22 Divorced 20 Divorced 60 Single 25 Divorced 21 Divorced 22 Single 29 Single 56 Single 32 Divorced 30 Married 27 Divorced 37 Single 39 Married 26 Divorced 32 Single 31 Single 35 Single 31 Single 64 Divorced 27 Divorced 31 Married 32 Single 73 Divorced 30 Married 42 Single 45 Single 27 Divorced 22 Single 26 Single 33 Divorced 27 Divorced 24 Married 21 Divorced 28 Single 51 Divorced 21 Single 27 Single 40 Single 34 Divorced 34 Single 63 Single 33 Divorced 28 Divorced 24 Divorced 18 M M M M &ss F M M M M M M M Canned with Cumanne M M Furniture SO $4,486 New Car $682 $2,017 New Car $19,812 $0 Business SO $500 Used Car $0 $859 Business $859 $3,305 Small Appliance $0 $1,218 New Car $0 $9,016 New Car $0 $11,587 Furniture $0 $8,944 Repairs $0 $807 Small Appliance $0 $867 Small Appliance $795 $16,804 Furniture So $347 Furniture $0 $836 Furniture $0 $142 Furniture $0 $169 Other $852 $3,613 Education $0 $403 Small Appliance $0 $836 New Car $425 $0 Business $0 $11,481 Business SO $3,285 Education SO $164 New Car $11,072 $891 Used Car SO SO Used Car $219 $841 New Car $8,060 $607 New Car $0 $486 New Car $0 Small Appliance SO $0 New Car $0 $113 New Car $1,613 $0 Furniture $757 $208 Retraining SO $603 New Car $0 $343 Education $977 $463 Education $197 SO Furniture $0 $299 New Car $0 $490 Small Appliance $0 $6,628 Business $0 $859 New Car SO $750 Small Appliance $256 $954 New Car $296 $591 Furniture $0 $13,970 New Car $0 $857 Furniture $0 $5,857 Small Appliance $298 $3,326 Small Appliance $0 $726 Furniture $8.636 $214 New Car SO $207 10 37 25 25 31 25 13 49 22 25 25 31 49 16 16 7 19 61 7 25 19 25 7 13 61 37 43 19 12 25 43 25 25 25 13 19 10 37 19 13 37 19 13 10 37 13 11 19 73 19 11 13 3 85 37 1 89 26 38 22 46 66 75 27 40 5 4 53 6 83 5 0 7 18 21 65 17 49 0 71 22 52 28 31 118 36 35 22 61 17 11 15 65 23 14 13 103 24 34 20 15 7 3 119 F M F M M F M M M Divorced 21 Single 41 Single 36 Single 26 Single 37 Single 35 Single 34 Single 43 Divorced 30 Single 31 Single 43 Divorced 24 Single 26 Divorced 45 Single 26 Divorced 48 Single 43 Divorced 59 Divorced 55 Single 29 Divorced 32 Single 53 Single 33 Divorced 56 Single 33 Single 46 Single 54 Divorced 22 Single 35 Single 46 Divorced 29 Divorced 22 Married 53 Divorced 42 Married 20 Divorced 35 Divorced 33 Married 26 Single 46 Divorced 28 Single 38 Single 35 Single 47 Single 23 Single 56 Divorced 28 Single 48 Single 27 Married 23 Divorced 24 Divorced 22 Single 42 $108 M M M M M Canned with Cumanne $127 54 90 13 22 28 14 36 M F F M M M M F F F M M F M M F M M M 4 28 81 57 2 67 New Car SO $713 New Car $19,766 $2,141 New Car $0 $483 New Car $0 Furniture SO $367 Small Appliance $0 $813 Furniture $4,089 $0 New Car so $102 Repairs $271 $759 New Car $949 $0 Small Appliance SO $503 Small Appliance $911 $823 New Car SO $693 Used Car SO $973 New Car $0 $648 Other SO $523 Used Car $271 $7,090 Small Appliance SO $596 Used Car $0 $904 New Car $0 $541 Furniture SO $154 New Car $4.802 $0 Business $177 $0 Small Appliance SO $337 New Car $0 $716 Education $996 $837 Education $705 $0 Furniture $0 $7.710 New Car SO $531 Small Appliance $5.960 $129 Furniture $0 $941 Furniture $759 $596 Furniture SO $987 Small Appliance $651 $0 Business $257 $460 Small Appliance $955 $0 Small Appliance $0 $798 Small Appliance $8,249 SO Small Appliance SO $959 Small Appliance $956 $1,482 New Car $382 $883 Furniture SO $12,721 Education $842 $0 Repairs $3.111 $0 Small Appliance $0 $302 Furniture $0 $538 Small Appliance $2.846 $0 Small Appliance $231 $702 Repairs $0 $2,688 Small Appliance $17.366 $0 Small Appliance SO $425 New Car $332 $214 13 11 19 7 37 43 7 7 19 49 13 46 19 49 15 37 25 13 49 19 37 37 49 25 19 49 25 25 13 13 13 10 37 37 49 49 25 31 11 46 31 37 37 13 10 25 13 10 10 16 13 25 13 2 12 9 107 33 83 24 114 5 16 111 18 101 102 75 29 42 77 21 19 20 31 9 27 30 59 14 99 89 21 10 2 M M M M M F M M M M F M M F M M M M M F F M F M M M M M M M Single 25 Divorced 47 Divorced 32 Single 25 Single 36 Single 25 Married 26 Divorced 53 Divorced 66 Divorced 23 Single 25 Single 24 Single 31 Divorced 57 Divorced 44 Divorced 42 Divorced 27 Single 51 Single 23 Single 31 Divorced 22 Single 35 Single 37 Single 35 Single 30 Single 49 Divorced 32 Single 52 Single 45 Married 23 Single 41 Divorced 28 Single 30 Single 50 Divorced 58 Single 36 Single 23 Single 48 Single 37 Single 20 Divorced 23 Divorced 39 Single 34 Divorced 22 Single 21 Single 38 Single 36 Single 26 Single 47 Single 38 Single 27 Single 25 Canned with Cumanne $492 16 88 1 41 22 14 New Car SO $369 Retraining $644 $0 Furniture $305 New Car $9.621 $308 Education SO $127 Business $0 $565 Furniture $0 $12,632 New Car $0 $116 Used Car $0 $178 Small Appliance $6,851 $901 Furniture $13.496 $650 Business $509 $241 Used Car $0 $609 Furniture $19.155 $131 Furniture $0 $544 Small Appliance 0 $10,853 Used Car $374 SO Large Appliance $0 $409 Furniture $828 $391 Furniture $0 $322 Small Appliance $829 $583 Small Appliance $0 $12.242 Furniture $0 $479 New Car $939 $496 New Car $0 $466 New Car $889 $1,583 Furniture $876 $1,533 Small Appliance $893 $0 Business $12.760 $4,873 Furniture $0 $0 Small Appliance SO $717 Small Appliance $959 $7,876 Small Appliance $0 $4,449 Other $0 $0 Business SO $104 Repairs $0 $897 New Car $698 $4,033 Furniture SO $945 Furniture SO $836 Small Appliance SO $325 Small Appliance $12.974 $19,568 Furniture SO $803 Small Appliance $317 $10,980 Business $0 $265 Repairs $0 $609 Small Appliance $0 $1,851 Furniture $192 $199 New Car $0 $500 New Car $0 $509 Used Car $0 $270 New Car $0 $457 Used Car $0 $260 10 13 19 25 13 19 16 49 13 13 19 25 37 25 19 25 25 49 9 13 7 25 19 19 25 37 31 16 13 13 22 28 25 25 25 19 16 13 25 19 13 13 13 13 31 12 25 28 16 25 13 25 45 89 21 20 14 6 24 15 81 14 15 12 9 18 53 0 56 42 79 21 94 73 94 10 20 87 54 23 2 20 6 99 13 7 89 17 10 3 M M F M M M F M M F M M M F F M M F F F M M M M M F M M M F M M M M Single 20 Single 37 Divorced 26 Single 37 Single 39 Married 27 Divorced 19 Single 45 Single 34 Divorced 43 Single 33 Single 35 Single 31 Single 25 Divorced 27 Divorced 56 Single 45 Single 53 Divorced 23 Divorced 25 Divorced 63 Single 34 Single 24 Single 35 Single 30 Single 29 Divorced 20 Single 49 Single 56 Single 48 Divorced 24 Single 22 Single 30 Single 39 Married 20 Divorced 22 Married 24 Divorced 41 Single 32 Divorced 23 Divorced 41 Single 52 Single 65 Divorced 26 Divorced 33 Divorced 56 Divorced 24 Divorced 20 Single 35 Single 34 Single 38 Single 34 M M F M F F F M M M Canned with Cumanne Small Appliance SO $897 Small Appliance $265 $947 Furniture $4.256 $0 Business $870 $917 New Car $162 $595 Used Car SO $789 Education $0 $0 Furniture $0 $746 New Car $461 $140 New Car $0 $659 Furniture $0 $717 New Car $0 $667 New Car $580 $0 Small Appliance $0 $763 New Car $0 $1,366 Small Appliance $0 $552 Small Appliance $0 $14,643 Business $758 $2,665 Used Car $399 $0 Furniture $513 $442 Furniture $0 $8.357 New Car $0 $0 Small Appliance $565 $863 Business SO $322 Furniture $0 $800 Small Appliance $0 $656 New Car $166 $922 Business 59.783 $885 Business $674 $2,886 Repairs $0 $626 Business $15,328 $0 New Car $0 $904 Education $713 $784 New Car SO $806 Education $0 $3,281 New Car $0 $759 Small Appliance SO $680 Used Car SO $104 Small Appliance $303 $899 Small Appliance $900 $1,732 Furniture SO $706 Education $1.257 $0 Small Appliance $0 $576 Repairs $273 $904 Business $522 $194 Small Appliance $0 $710 Small Appliance $0 $5,564 Small Appliance $0 $192 New Car $0 $637 Small Appliance $514 $405 Furniture $457 $318 Small Appliance $5,133 $698 19 25 16 28 22 25 37 13 19 19 37 29 11 13 19 25 16 13 31 7 25 22 10 28 13 37 13 13 49 43 25 12 61 19 19 16 25 37 13 37 31 10 7 7 25 25 25 46 13 49 19 19 5 5 36 6 10 28 114 16 32 5 60 10 8 46 17 4 115 31 0 0 5 9 81 28 69 85 2 3 32 0 9 6 17 3 20 59 3 25 3 11 14 65 14 2 79 1 93 13 21 13 108 14 M M F M M M M F M F M M M F M M M M F M M M M M M F F M M M M M Married 38 Married 21 Divorced 32 Single 35 Divorced 46 Single 37 Single 39 Divorced 29 Single 27 Divorced 22 Single 40 Single 44 Single 26 Divorced 57 Single 34 Married 47 Single 46 Single 38 Divorced 52 Single 34 Single 29 Single 39 Single 36 Single 25 Single 59 Single 27 Divorced 24 Divorced 25 Single 29 Single 64 Single 31 Single 38 Single 41 Divorced 22 Divorced 29 Single 32 Divorced 34 Single 23 Single 21 Divorced 49 Divorced 31 Divorced 40 Divorced 28 Married 21 Divorced 30 Divorced 37 Single 33 Single 22 Divorced 23 Divorced 21 Single 40 Single 36 M M M M M M M Canned with Cumanne Credit Risk Data Loan Purpose Checking Savings Months Custome Months Employed Gender Marital Status Age Small Appliance SO $739 13 12 M Single 23 Furniture $0 $1,230 25 0 M Divorced 32 New Car $0 $389 19 119 M Single 38 Furniture $638 $347 13 14 M Single 36 Education $963 $4,754 40 45 M Single 31 Furniture $2.827 SO 11 13 M Married 25 New Car $0 $229 13 16 M Married 26 Business SO $533 14 2 M Single 27 Small Appliance $6,509 $493 37 9 M Single 25 Small Appliance $966 $0 25 4 F Divorced 43 Business SO $989 49 0 M Single 32 New Car $0 $3,305 11 15 M Single 34 Business $322 $578 10 14 M Married 26 New Car SO $821 25 63 M Single 44 New Car $396 $228 13 26 M Single 46 Used Car SO $129 31 8 M Divorced 39 Furniture $652 $732 49 4 F Divorced 25 New Car $708 $683 13 33 M Single 31 Repairs $207 $0 28 116 M Single 47 Education $287 $12,348 2 F Divorced 23 Furniture $0 $17,545 34 16 Divorced 22 Furniture $101 $3,871 13 5 F Divorced 26 Furniture $0 $0 25 23 M Married 19 Furniture $0 $485 37 23 Divorced 27 New Car $0 $10,723 11 15 M Single 39 Business $141 $245 22 33 M Single 26 Used Car $0 $0 19 58 M Single 50 Used Car $2,484 SO 49 46 M Small Appliance Single 34 $237 $236 37 24 M Single 23 Small Appliance 0 $485 19 12 M Single 23 Education $335 $1,708 37 7 M Single 46 Small Appliance $3.565 $0 31 32 M Single 35 Small Appliance $0 $407 13 2 F Divorced 28 Business $16.647 $895 16 34 M Single 25 Business SO $150 49 46 F Divorced 36 Small Appliance SO $490 5 41 M Single 41 Furniture $0 $162 25 1 M Divorced 54 Small Appliance $940 $715 9 40 F Divorced 43 Small Appliance $0 $323 49 42 M Married 33 New Car $0 $128 13 74 M Single 34 Other $218 $0 49 0 M Single 39 Used Car $0 $109 25 26 M Single 34 Small Appliance $16.935 $189 60 M Single 30 Furniture 5664 $537 33 M Single 48 Furniture $150 $6,520 12 1 F Divorced 19 Small Appliance $0 $139 7 119 M Married 29 Furniture $216 $0 19 3 F Divorced 26 New Car SO $660 17 75 M Single 42 Business $0 $724 25 8 M Single 30 Canned with Cumanne Own Rent Rent Own Other Own Own Other Own Own Own Own 4 Skilled 3 Skilled 4 Skilled 4 Skilled 4 Unskilled 3 Skilled 2 Unskilled 4 Skilled 4 Skilled 2 Skilled 2 Skilled 3 Management High High Low Low High Low High Low High High High Low Canned with Cumanne Own Other Rent Rent High High High LOW Low High Low Low Low Low Low High High Own Own Own Own Own Own Own Own Other Other Own Own Rent Own Other Own Rent Own Other Own High High Low High Low High High Own Other Own Own Own 2 Skilled 4 Unskilled 4 Skilled 3 Skilled 2 Skilled 2 Skilled 2 Skilled 4 Unemployed 4 Skilled 2 Skilled 2 Skilled 2 Unskilled 4 Unskilled 4 Unskilled 4 Management 3 Management 4 Skilled 4 Skilled 4 Skilled 2 Skilled 4 Skilled 4 Skilled 4 Skilled 1 Management 2 Skilled 4 Skiled 2 Skilled 4 Skilled 2 Skilled 1 Skilled 4 Skilled 2 Skilled 4 Skilled 2 Skilled 3 Skilled 3 Skilled 4 Unskilled 4 Unskilled 4 Skilled 4 Skilled 2 Skilled 4 Skilled 4 Unskilled 4 Skiled 2 Skilled 2 Management 4 Skilled 4 Unskilled 4 Skilled 4 Skilled 2 Skilled 1 Skilled Own N Own Own Own Own Rent Own Rent Own Own Rent Own Own Other Own Own Rent Other Own Own Other Rent Own High Low Low Low High High Low Low High Low Low High High Low High Low High Low Low High High Low Low Low High High Low Low Low High High LOW Canned with Cumanne Own Own Own Rent Own Own Other Rent Own Rent Rent Own Own Own Own Own Own Rent Own Rent Other Own Own Own Own Own Own Own Own Own NN 4 Skilled 2 Skilled 3 Management 1 Skilled 1 Unskilled 2 Skilled 2 Skilled 2 Unskilled 4 Management 4 Skilled 2 Unemployed 4 Skilled 4 Unskilled 3 Skilled 2 Skilled 3 Skilled 4 Skilled 4 Skilled 2 Skilled 2 Skilled 4 Unemployed 3 Unskilled 4 Skilled 2 Skilled 2 Skilled 2 Management 3 Unskilled 3 Unskilled 2 Management 1 Unskilled 2 Unskilled 4 Unskilled 4 Management 2 Management 1 Skilled 3 Unskilled 4 Management 2 Skilled 3 Unskilled 4 Skilled 4 Skilled 4 Unskilled 1 Unskilled 2 Skilled 1 Unemployed 2 Management 2 Skilled 1 Skilled 1 Skilled 2 Skilled 2 Skilled 3 Management Low High High High High Low High High High Low Low Low High Low High High High High Low Low High Low High High Low High High High Low High High Low Low Low Low Low Low LOW Low High High Low Low Low High Low Low Low High High High Rent Rent Other Own Own Rent Own Own Own Rent Rent Own Own Own Rent Other Own Own Rent Own Own Own High Canned with Cumanne Rent Own Own Own Other Rent Own Other Low High High High Low Low Low High LOW Low Low Own GNN LOW High Rent Other Own Own Rent Own Own Own Other Own Own Own Own Own Other Other Other Other 4 Skilled 4 Management 2 Unskilled 2 Skilled 4 Management 4 Management 1 Skilled Skilled 2 Management Skiled 4 Skilled 2 Skilled 2 Skilled 1 Skilled 3 Unskilled 1 Skilled 3 Skilled 4 Management 2 Skilled 2 Management 2 Skilled 3 Management 2 Unskilled 4 Unskilled 4 Skilled 4 Skilled 2 Management 2 Management 2 Skilled 4 Unskilled 3 Management 4 Skilled 4 Skilled 3 Skilled 4 Skilled 3 Skilled 3 Management 2 Skilled 4 Skilled 2 Skilled 4 Skilled 2 Skilled 4 Skilled 3 Skilled 4 Skilled 4 Unskilled 3 Skilled 2 Skilled 2 Skilled 4 Skilled 2 Skilled 4 Skilled Own Rent Own Own Rent Own Own Rent Own Own Own Other Own Own Own Own Own Other Rent Own Own Own Rent Own Low Low Low High High Low High High High Low Low Low High Low Low Low High High High Low High High Low High Low Low High Low High High Low High High Low Low High High Low Rent High Canned with Cumanne Own Low High Low High Low Low High Own Rent Own Own Own Own Own Rent Rent Own Own Own Own Own Own Own Own Own Own Other Own Own Own Own Own Rent Own Own Own Own Own 4 Skilled 1 Skilled 4 Unskilled 2 Skilled 4 Skilled 3 Management 4 Management 3 Skilled 3 Unskilled 3 Skilled 2 Skilled 2 Unskilled 4 Unskilled 3 Unskilled 4 Unskilled 4 Skilled 3 Skilled Unskilled 1 Management 1 Management 4 Skilled 2 Unskilled 4 Unskilled 4 Skilled 3 Skilled 2 Skilled 1 Skilled 1 Unemployed 2 Skilled 4 Unemployed 4 Skilled 4 Unskilled 4 Unskilled 2 Skilled 3 Skilled 4 Skilled 4 Skilled 1 Skilled 4 Skilled 2 Skilled 4 Unskilled 1 Skilled 1 Unskilled 4 Skilled 3 Skilled 2 Skilled 4 Skilled 2 Unskilled 2 Skilled 1 Skilled 2 Skilled Low Low High High High High Low Low High Low Low High Low High High Low Low High Low High High Low Low Low Low High High High High High High High High Low Low Low Low High Low Low High High High Low Other Skilled Own Own Rent Own Own Own Other Own Rent Own Own Own Own Own Other Own Own Own Own High Canned with Cumanne Own LOW Housing Years Job Credit Risk 3 Unskilled LOW Own 1 Skilled High Own 4 Management High Own 2 Unskilled High Rent 3 Skilled Own 1 Skilled Low Own 3 Unskilled Low Own 1 Unskilled Low Own 2 Skilled High Own 1 Skilled High Rent 2 Management High Rent 2 Unskilled Low Own 1 Skilled Low Own 1 Skilled High Own 3 Unskilled Low Own 4 Management Low Own 2 Skilled High Own 2 Skilled Low Own 4 Skilled Low Rent 2 Skilled High Own Skiled High Rent 4 Skilled High Own 4 Skilled High Own 2 Management High Rent 2 Unskilled Low Own 3 Skilled Low Other 4 Skilled High 1 Skilled Low Rent 4 Skilled Low Own 2 Skilled Low Other 4 Skiled High Own 3 Skilled Low Own 2 Skilled Rent 4 Skilled Low 4 Skiled High Own 1 Unskilled Low Own 1 Skilled High 2 Unskilled Low Own 1 Skidled High Own 3 Skilled High Other 4 Unemployed Low Own 3 Unskilled Low Own 2 Skilled Low Own 2 Skilled High Own 1 Skilled Low Rent 2 Skilled Low Rent 3 Skilled High Rent 4 Skilled High Rent 2 Skilled High Other LOW Rent Own 2 Canned with Cumanne Own Low Low Low High High High Low High High Low High High Low Low Low Low Low High High Low Low High GA Own Own Other Rent Own Rent Other Other Rent Own Own Other Own Own Rent Own Own Own Own Own Own Own Own Own Other Rent Own Rent Rent Own Own Own Own Own Own Rent Own Own Own Rent Other Own Own Own Own Own Rent Own Own Own Own 1 Skilled 4 Skilled 1 Skilled 3 Skilled 4 Unskilled 2 Skilled 4 Skilled 4 Skilled 4 Skilled 2 Unskilled 1 Unskilled 4 Unskilled 2 Management 2 Skilled 2 Skilled 4 Management 4 Management 4 Skilled 4 Skilled Skilled 3 Skilled 2 Skilled 1 Unemployed 4 Skilled 3 Skilled 3 Skilled Skilled 4 Skilled 4 Unskilled 4 Skilled 2 Skilled 2 Unskilled 4 Skilled 3 Management 2 Unskilled 4 Skilled 2 Skilled 1 Skilled 4 Sked 2 Skilled 3 Skilled 4 Management 3 Unskilled 2 Skilled 1 Unskilled 4 Unskilled 4 Unskilled 3 Skilled 3 Skilled 3 Skilled 4 Management 4 Management High High High Low High Low Low Low High High High High Low High High Low Low High Low High High Low High Low High High Low Low Low Low Canned with Cumanne Own Other Rent Own Own Other Own Rent Rent Rent Own Rent Own Own Own Rent Own Rent Own Own Own Own Own Own Own Own Own Low Low High Low High Low High High Low High Low High Low Low High High Low High Low 3 Skilled 2 Management 4 Skilled 2 Skilled 2 Management 1 Skilled 3 Unskilled 4 Skilled 4 Skilled 2 Unskilled 3 Skilled 4 Skilled 1 Skiled 2 Management 4 Unskilled 1 Unskilled 2 Unskilled 4 Management 2 Unemployed 4 Unskilled 2 Unemployed 2 Skilled 2 Skilled 2 Skilled 3 Management Skilled 1 Skilled 2 Unskilled 3 Unskilled 4 Unskilled 4 Unskilled 1 Unskilled 4 Skilled 4 Skilled 4 Unskilled 2 Skilled 3 Skilled 3 Skilled 4 Skilled 1 Skilled 4 Unemployed 1 Management 1 Skilled 2 Skilled 2 Unskilled 4 Skilled 1 Unskilled 4 Unskilled 2 Management 4 Skilled 2 Skilled 4 Unskilled Own Own Own Own Own Own Own Rent Own Own Own Rent Own Rent Own Own Own Own Other Own Own Own Own Own Rent Low Low Low Low Low Low Low High High High Low Low High Low Low High Low Low High High Low High High High Low High Low Low Low High High High LOW Canned with Cumanne $983 37 13 13 New Car Furniture Used Car Used Car Education New Car New Car Small Appliance Furniture New Car New Car New Car SO $770 $950 $0 S160 $0 $276 $798 $137 $0 $679 $193 $2,684 $497 $0 $0 $0 $0 $0 SO $712 $0 $912 F F M M F M F M M F F M 5 7 91 25 70 5 51 53 103 6 39 13 7 31 25 16 Divorced 33 Divorced 24 Married 40 Single 62 Divorced 33 Married 29 Divorced 22 Single 35 Single 30 Divorced 28 Divorced 28 Single 44 Canned with Cumanne $983 37 13 13 New Car Furniture Used Car Used Car Education New Car New Car Small Appliance Furniture New Car New Car New Car SO $770 $950 $0 S160 $0 $276 $798 $137 $0 $679 $193 $2,684 $497 $0 $0 $0 $0 $0 SO $712 $0 $912 F F M M F M F M M F F M 5 7 91 25 70 5 51 53 103 6 39 13 7 31 25 16 Divorced 33 Divorced 24 Married 40 Single 62 Divorced 33 Married 29 Divorced 22 Single 35 Single 30 Divorced 28 Divorced 28 Single 44 Canned with Cumanne SO 6 90 1 95 32 62 46 92 73 19 7 9 13 49 49 25 37 49 31 25 13 31 43 19 19 37 37 25 13 8 9 40 5 2 16 0 7 41 Small Appliance $242 New Car $0 $272 Business $929 $124 Small Appliance $0 $17,124 Used Car $0 $612 New Car $0 $862 Furniture $0 $146 New Car $0 $14,190 Used Car $0 $396 Small Appliance $0 $519 Used Car $646 SO New Car $538 $344 Furniture $0 S204 Small Appliance $0 $148 Furniture $0 $435 Small Appliance SO $914 New Car $135 $0 Used Car $2,472 $0 New Car $0 $412 New Car $10,417 $19,811 Small Appliance $211 $822 Small Appliance $16.630 $0 Furniture $0 $3,369 Furniture S642 $0 Small Appliance $0 $707 Small Appliance $296 $818 Business $898 $177 New Car $478 $4,071 New Car $315 $466 New Car $122 $460 Furniture SO $991 Small Appliance $0 $17,653 Education $497 Business $670 $4,014 Business $444 $921 New Car $3,880 $0 Used Car $819 $0 Used Car SO $607 Large Appliance $0 $15,800 Furniture $0 $369 Business $0 $4,973 Furniture $0 $0 New Car $0 $761 Education $0 $471 Used Car $0 $674 New Car $0 $547 Furniture $161 $524 Furniture $0 $815 Used Car $0 $0 New Car $789 $989 Small Appliance $765 $10.406 Furniture $0 $957 27 5 47 17 65 26 93 105 40 3 109 25 13 7 19 22 10 13 37 7 22 41 31 28 23 13 37 16 7 25 40 25 7 37 13 13 19 11 31 10 19 >>>>>>>>> :::: :::: :: :: : : sssssss ssss : Single 28 Single 67 Married 25 Married 34 Single 38 Single 41 Single 26 Single 35 Single 45 Divorced 32 Divorced 47 Married 24 Divorced 30 Single 33 Divorced 23 Divorced 21 Single 36 Single 30 Single 52 Married 27 Divorced 44 Single 26 Single 24 Divorced 24 Single 50 Married 31 Divorced 38 Single 28 Single 48 Single 56 Divorced 31 Divorced 28 Single 26 Divorced 25 Divorced 41 Divorced 24 Single 29 Single 25 Single 35 Single 35 Single 26 Single 29 Single 59 Divorced 34 Single 41 Divorced 35 Single 27 Single 41 Divorced 30 Married 27 Divorced 65 Divorced 19 30 4 24 21 51 37 23 17 40 23 17 30 92 52 69 40 106 13 4 0 24 11 Canned with Cumanne 3. a. (4m) (4m) Use the Excel file Credit Risk data VT: Compute the combined savings and checking account balance. Then sort by the number of months as customer of the bank. From examining of the data, does it appear that customers with a longer association with the bank has more asset? Justify your answer. b. Apply Pareto analysis to draw conclusions about the combined amount of money in checking and savings account, Use Excel's filtering capability to extract all records for a new car loans. How many individuals with new car loans are Single? Married? Divorced? d. Use Excel's filtering capability to extract all records for individuals employed less than 12 months. What conclusions can you draw about the credit risk of these individuals? (3. (3m