Oblast pro vložení dat. decile # cleints absolutely cumulatively # bad clients Bad rate abs. Lift # bad clients Bad rate cum. Lift 1 4521 541 12.0% 8.34 541 12.0% 8.34 2 4523 39 0.9% 0.60 580 6.4% 4.47 3 4521 16 0.4% 0.25 596 4.4% 3.06 4 4519 19 0.4% 0.29 615 3.4% 2.37 5 4522 15 0.3% 0.23 630 2.8% 1.94 6 4521 3 0.1% 0.05 633 2.3% 1.63 7 4521 7 0.2% 0.11 640 2.0% 1.41 8 4522 5 0.1% 0.08 645 1.8% 1.24 9 4522 4 0.1% 0.06 649 1.6% 1.11 10 4520 0 0.0% - 649 1.4% 1.00 All 45212 649 1.4% abs. Lift cum. Lift 1 8.34 8.34 2 0.60 4.47 3 0.25 3.06 4 0.29 2.37 5 0.23 1.94 6 0.05 1.63 7 0.11 1.41 8 0.08 1.24 9 0.06 1.11 10 - 1.00 Fgood Fbad Fbad-Fgood rozdil soucet 0 0 0 0.000 3980 0.099995576 0.09 0.833590139 0.744 0.833590139 0.09 0.074449403 4484 0.200035389 0.19 0.893682589 0.704 0.06009245 0.28 0.016780523 4505 0.300030965 0.29 0.918335901 0.627 0.024653313 0.48 0.011857246 4500 0.399982306 0.39 0.94761171 0.556 0.029275809 0.68 0.019996344 4507 0.5 0.49 0.970724191 0.478 0.023112481 0.89 0.020458044 4518 0.599995576 0.59 0.975346687 0.381 0.004622496 1.09 0.005027767 4514 0.699991153 0.70 0.986132512 0.290 0.010785824 1.29 0.013917521 4517 0.800008847 0.80 0.993836672 0.197 0.00770416 1.49 0.011502387 4518 0.900026542 0.90 1 0.101 0.006163328 1.70 0.010451504 4520 1 1.00 1 0.000 0 1.90 0 44563 0.184440739 KS: 0.744 Gini: 0.82 c-stat 0.908 QLift QLift_Ideal QLift_rnd RLift Rlift_Ideal Rlift_rnd 0 14.67 69.66 1 0 0.21 1 0.014354596 1 8.34 10.00 1 1.150150854 1 1 0.83 1 0.1 0.052208112 2 4.47 5.00 1 0.640194629 0.75 2 0.89 1 0.2 0.086357575 3 3.06 3.33 1 0.376421308 0.416666667 3 0.92 1 0.3 0.09058828 4 2.37 2.50 1 0.271496891 0.291666667 4 0.95 1 0.4 0.093294738 5 1.94 2.00 1 0.215529123 0.225 5 0.97 1 0.5 0.095918891 6 1.63 1.67 1 0.178351909 0.183333333 6 0.98 1 0.6 0.097303903 7 1.41 1.43 1 0.151718417 0.154761905 7 0.99 1 0.7 0.098074943 8 1.24 1.25 1 0.132553032 0.133928571 8 0.99 1 0.8 0.098998533 9 1.11 1.11 1 0.117668022 0.118055556 9 1.00 1 0.9 0.09968981 10 1.00 1.00 1 0.105553917 0.105555556 10 1.00 1 1 0.099998526 3.339638102 3.378968254 LR 0.983467559 IRL 0.912 decile # cleints # bad clients #good % bad [1] % good [2] [3] = [2] - [1] [4] = [2] / [1] [5] = ln[4] [6] = [3] * [5] cum. [6] 1 4521 541 " 3,980 " 83.4% 8.9% -0.74 0.11 -2.23 1.66 1.66 541 " 3,980 " 541 " 3,980 " 2 4523 39 " 4,484 " 6.0% 10.1% 0.04 1.67 0.52 0.02 1.68 78 " 8,968 " 156 " 17,936 " 3 4521 16 " 4,505 " 2.5% 10.1% 0.08 4.10 1.41 0.11 1.79 48 " 13,515 " 144 " 40,545 " 4 4519 19 " 4,500 " 2.9% 10.1% 0.07 3.45 1.24 0.09 1.88 76 " 18,000 " 304 " 72,000 " 5 4522 15 " 4,507 " 2.3% 10.1% 0.08 4.38 1.48 0.12 2.00 75 " 22,535 " 375 " 112,675 " 6 4521 3 " 4,518 " 0.5% 10.1% 0.10 21.93 3.09 0.30 2.29 18 " 27,108 " 108 " 162,648 " 7 4521 7 " 4,514 " 1.1% 10.1% 0.09 9.39 2.24 0.20 2.50 49 " 31,598 " 343 " 221,186 " 8 4522 5 " 4,517 " 0.8% 10.1% 0.09 13.16 2.58 0.24 2.74 40 " 36,136 " 320 " 289,088 " 9 4522 4 " 4,518 " 0.6% 10.1% 0.10 16.45 2.80 0.27 3.00 36 " 40,662 " 324 " 365,958 " 10 4520 0 " 4,520 " 0.0% 10.1% 0.10 #DIV/0! #DIV/0! #DIV/0! #DIV/0! 0 " 45,200 " - " 452,000 " All 45212 649 " 44,563 " Info. Value #DIV/0! " 2,615 " " 1,738,016 " I_diff I_LR prumer 1.480739599 5.56 1 -0.74 -2.23 4 39 2 0.04 0.52 0.78 rozptyl 1.84 8.10 3 0.08 1.41 0.04 4 0.07 1.24 -0.00 spolecne 8.01 5 0.08 1.48 0.01 sigma 2.8310 3.1530 6 0.10 3.09 0.02 D 1.44036 1.2933 7 0.09 2.24 -0.01 8 0.09 2.58 0.00 Parametricky odhad: 9 0.10 2.80 0.00 gini 0.6916 0.8041 10 0.10 #DIV/0! 0.01 I_diif * I_LR cum. I_diff * I_LR 1 1.66 1.66 2 0.02 1.68 -1.64 3 0.11 1.79 0.09 4 0.09 1.88 -0.02 5 0.12 2.00 0.03 6 0.30 2.29 0.18 7 0.20 2.50 -0.10 8 0.24 2.74 0.04 9 0.27 3.00 0.03 10 #DIV/0! #DIV/0! #DIV/0! ##### Sheet/List 2 ##### decile # cleints absolutely cumulatively # bad clients Bad rate abs. Lift # bad clients Bad rate cum. Lift 1 100 20 20.0% 2.00 20 20.0% 2.00 541 4521 2 100 18 18.0% 1.80 38 19.0% 1.90 39 4523 3 100 17 17.0% 1.70 55 18.3% 1.83 16 4521 4 100 15 15.0% 1.50 70 17.5% 1.75 19 4519 5 100 12 12.0% 1.20 82 16.4% 1.64 15 4522 6 100 6 6.0% 0.60 88 14.7% 1.47 3 4521 7 100 4 4.0% 0.40 92 13.1% 1.31 7 4521 8 100 3 3.0% 0.30 95 11.9% 1.19 5 4522 9 100 3 3.0% 0.30 98 10.9% 1.09 4 4522 10 100 2 2.0% 0.20 100 10.0% 1.00 0 4520 All 1000 100 10.0% 649 45212 abs. Lift cum. Lift 1 2.00 2.00 2 1.80 1.90 3 1.70 1.83 4 1.50 1.75 5 1.20 1.64 6 0.60 1.47 7 0.40 1.31 8 0.30 1.19 9 0.30 1.09 10 0.20 1.00 Fgood Fbad Fbad-Fgood rozdil soucet 0 0 0 0.000 80 0.1 0.09 0.2 0.111 0.2 0.09 0.017777778 82 0.2 0.18 0.38 0.200 0.18 0.27 0.0484 83 0.3 0.27 0.55 0.278 0.17 0.45 0.076877778 85 0.4 0.37 0.7 0.333 0.15 0.64 0.095833333 88 0.5 0.46 0.82 0.356 0.12 0.83 0.099733333 94 0.6 0.57 0.88 0.311 0.06 1.03 0.062 96 0.7 0.68 0.92 0.244 0.04 1.24 0.049777778 97 0.8 0.78 0.95 0.167 0.03 1.46 0.043766667 97 0.9 0.89 0.98 0.089 0.03 1.67 0.050233333 98 1 1.00 1 0.000 0.02 1.89 0.037822222 900 0.582222222 KS: 0.356 Gini: 0.42 c-stat 0.709 QLift QLift_Ideal QLift_rnd RLift Rlift_Ideal Rlift_rnd 0 2.13 10.00 1 0 0.21 1 0.1 1 2.00 10.00 1 0.206666667 1 1 0.20 1 0.1 0.020666667 2 1.90 5.00 1 0.195 0.75 2 0.38 1 0.2 0.029 3 1.83 3.33 1 0.186666667 0.416666667 3 0.55 1 0.3 0.0465 4 1.75 2.50 1 0.179166667 0.291666667 4 0.70 1 0.4 0.0625 5 1.64 2.00 1 0.1695 0.225 5 0.82 1 0.5 0.076 6 1.47 1.67 1 0.155333333 0.183333333 6 0.88 1 0.6 0.085 7 1.31 1.43 1 0.139047619 0.154761905 7 0.92 1 0.7 0.09 8 1.19 1.25 1 0.125089286 0.133928571 8 0.95 1 0.8 0.0935 9 1.09 1.11 1 0.113819444 0.118055556 9 0.98 1 0.9 0.0965 10 1.00 1.00 1 0.104444444 0.105555556 10 1.00 1 1 0.099 1.574734127 3.378968254 LR 0.241589658 IRL 0.699 decile # cleints # bad clients #good % bad [1] % good [2] [3] = [2] - [1] [4] = [2] / [1] [5] = ln[4] [6] = [3] * [5] cum. [6] 1 100 20 80 20.0% 8.9% -0.11 0.44 -0.81 0.09 0.09 20 80 20 80 2 100 18 82 18.0% 9.1% -0.09 0.51 -0.68 0.06 0.15 36 164 72 328 3 100 17 83 17.0% 9.2% -0.08 0.54 -0.61 0.05 0.20 51 249 153 747 4 100 15 85 15.0% 9.4% -0.06 0.63 -0.46 0.03 0.22 60 340 240 " 1,360 " 5 100 12 88 12.0% 9.8% -0.02 0.81 -0.20 0.00 0.23 60 440 300 " 2,200 " 6 100 6 94 6.0% 10.4% 0.04 1.74 0.55 0.02 0.25 36 564 216 " 3,384 " 7 100 4 96 4.0% 10.7% 0.07 2.67 0.98 0.07 0.32 28 672 196 " 4,704 " 8 100 3 97 3.0% 10.8% 0.08 3.59 1.28 0.10 0.42 24 776 192 " 6,208 " 9 100 3 97 3.0% 10.8% 0.08 3.59 1.28 0.10 0.52 27 873 243 " 7,857 " 10 100 2 98 2.0% 10.9% 0.09 5.44 1.69 0.15 0.67 20 980 200 " 9,800 " All 1000 100 900 Info. Value 0.67 " 1,832 " " 36,668 " I_diff I_LR prumer 3.62 5.71 1 -0.11 -0.81 18 41 2 -0.09 -0.68 0.02 rozptyl 5.22 8.15 3 -0.08 -0.61 0.01 4 -0.06 -0.46 0.02 spolecne 7.86 5 -0.02 -0.20 0.03 sigma 2.8031 3.6560 6 0.04 0.55 0.07 D 0.74521 0.5714 7 0.07 0.98 0.02 8 0.08 1.28 0.01 Parametricky odhad: 9 0.08 1.28 0.00 gini 0.4018 0.4322 10 0.09 1.69 0.01 I_diif * I_LR cum. I_diff * I_LR 1 0.09 0.09 2 0.06 0.15 -0.03 3 0.05 0.20 -0.01 4 0.03 0.22 -0.02 5 0.00 0.23 -0.02 6 0.02 0.25 0.02 7 0.07 0.32 0.04 8 0.10 0.42 0.03 9 0.10 0.52 0.00 10 0.15 0.67 0.05