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KISLINE 서비스 이용안내. January, 2010. 0. 목차. 0. 목 차. 1. I. KISLINE 개요. 서비스 개요 서비스 특징 서비스 구성 담당자 안내. 2 3 5 7. II. 주요 기능. 8 9 10 13 15 16. 자동로그인 아이콘 , 하이퍼링크 검색 기능 ( 통합 , 상세 , 카테고리 ) My Page ( 관심기업 , 히스토리 , 스크랩 , 자주사용하는 메뉴 ) Easy Flash Menu 고객센터. - PowerPoint PPT Presentation

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  • KISLINE January, 2010

  • 0. I. KISLINE II. , (, , )My Page (, , , )Easy Flash Menu KIS (, , , ) (, , )III. 2 3 5 7 17 18 22 23 24 25 28 8 9 10 13 15 160. 1

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  • 3. (1) - (2009. 3. 3 )KISLILNE 1970 30 , ,

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    - [email protected] 02-3771-1334 [email protected] 02-3771-4860

    - [email protected] 02-3771-4888

    - [email protected] 02-3771-1432

    [email protected] 02-3771-1433 [email protected] 02-3771-1700 ()

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  • 2. (2) (KSIC; Korea Standard Industry Code) Best Practices 5 .

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    Chart2

    0.620.2899.0849484536

    0.131.3394.6615318417

    0.414.3188.2601481874

    0.569.3479.5832010743

    1.0812.2869.7916081966

    1.6421.3357.2857379723

    2.8925.1341.5569862205

    4.6418.6324.8259772859

    8.425.4810.4319667014

    19.121.92.0788935658

    Avg(FS)

    All Corporate Financial Scoring Model Distribution

    fs_l5 distribution

    base.bins_L5

    FREQ

    bad * fs_scoring_

    badfs_scoring_

    12345678910

    055480121323002801450853894141110951622512

    0.242.085.269.9812.1519.5523.3717.964.812.2497.64

    0.242.135.3910.2212.4420.0223.9418.394.932.29

    98.2199.7999.8499.9199.7999.5898.8196.0391.4374.89

    1112261965171104173544

    000.010.010.030.080.280.740.450.752.36

    0.180.180.370.371.13.4911.9531.4319.1231.8

    1.790.210.160.090.210.421.193.978.5725.11

    56481121523022807452754544312121368923056

    0.242.095.279.9812.1719.6323.6618.75.262.99100

    FS_Score98.6494.3688.5379.5369.7757.2441.2824.7410.232.09

    70.24

    fs_scoring__TYPE__FREQ_badfs_scoringminfs_scoringmaxfs_scoring

    1156198.635714285797.6100

    21481194.360498960592.697.2

    311215288.52806584368592.4

    412302279.52658557787585

    512807669.76522978276575

    6145271957.23609454385065

    7154546541.28360836083350

    81431217124.74225417441532.8

    91121310410.2341302556514.8

    1016891732.090566037704.8

    fs_l5 distribution

    &A

    Page &P

    fs_l3 distribution

    Avg(FS)

    Large Firm 5 Financial Scoring Model Distribution

    fs_M3 distribution

    EDF

    percent, %

    Large Firm 5 Financial Scoring Model Distribution

    fs_M2 distribution

    base.bins_L5

    FREQ

    bad * fs_scoring_

    badfs_scoring_

    12345678910

    0121592164731573618639479425546160454931170

    0.371.835.099.7611.1919.7724.5617.154.961.796.39

    0.391.95.2810.1311.6120.5125.4817.795.151.76

    99.1810099.9499.6598.9697.9896.0993.8690.6780.62

    110111381323233631651321166

    0000.030.120.4111.120.510.413.61

    0.0900.090.943.2611.3227.731.1314.1511.32

    0.8200.060.351.042.023.916.149.3319.38

    122592164831683656652682655909176968132336

    0.381.835.19.811.3120.1825.5618.275.472.11100

    FS_Score98.8694.1688.2679.6669.9957.5441.3124.5510.021.90

    71.59

    fs_scoring__TYPE__FREQ_badfs_scoringminfs_scoringmaxfs_scoring

    1114098.857142857197.8100

    2196094.1562592.697.2

    31254088.25826771658592.4

    41543379.65819521187585

    51601469.98668885196575

    619451157.54328042335065

    7110182041.30923379173350

    818693824.55397008061532.8

    912984710.0187919463514.8

    101132381.90303030304.8

    fs_M2 distribution

    &A

    Page &P

    fs_S3 distribution

    Avg(FS)

    Large Firm 3 Financial Scoring Model Distribution

    fs_S2 distribution

    EDF

    percent, %

    Large Firm 5 Financial Scoring Model Distribution

    lgedf_All distribution

    base.bins_L5

    FREQ

    bad * fs_scoring_

    badfs_scoring_

    12345678910

    0121592164731573618639479425546160454931170

    0.371.835.099.7611.1919.7724.5617.154.961.796.39

    0.391.95.2810.1311.6120.5125.4817.795.151.76

    99.1810099.9499.6598.9697.9896.0993.8690.6780.62

    110111381323233631651321166

    0000.030.120.4111.120.510.413.61

    0.0900.090.943.2611.3227.731.1314.1511.32

    0.8200.060.351.042.023.916.149.3319.38

    122592164831683656652682655909176968132336

    0.381.835.19.811.3120.1825.5618.275.472.11100

    FS_Score98.8994.9088.4279.6469.7857.2541.6024.9310.221.97

    71.59

    fs_scoring__TYPE__FREQ_badfs_scoringminfs_scoringmaxfs_scoring

    11122198.888524590297.8100

    21592094.896959459592.697.2

    311648188.42415048548592.4

    4131681179.64135101017585

    5136563869.78249452956575

    61652613257.25234446835065

    71826532341.59598306113350

    81590936324.92706041631533

    91176916510.2218202374515

    1016811321.968281938304.8

    lgedf_All distribution

    &A

    Page &P

    fs_MS1 distribution

    Avg(FS)

    Middle Firm 3 Financial Scoring Model Distribution

    fs_U1 distribution

    EDF

    percent, %

    Large Firm 5 Financial Scoring Model Distribution

    fs_All-soho distribution

    base.bins_L5

    FREQ

    bad * fs_scoring_

    badfs_scoring_

    12345678910

    05318961798710791875233918856522709946

    0.511.835.989.5610.4618.1722.6618.276.322.6296.38

    0.531.96.29.9210.8518.8523.5218.956.562.71

    10010099.6899.998.7298.0196.7794.0690.9382.57

    100211438781196557374

    000.020.010.140.370.761.150.630.553.62

    000.530.273.7410.1620.8631.8217.3815.24

    000.320.11.281.993.235.949.0717.43

    53189619988109319132417200471732710320

    0.511.8369.5710.5918.5423.4219.426.953.17100

    FS_Score98.8594.6888.6079.8069.9157.2241.2724.4910.521.59

    71.5

    fs_scoring__TYPE__FREQ_badfs_scoringminfs_scoringmaxfs_scoring

    1153098.849056603897.6100

    21189094.677248677292.697.2

    31619288.60452342498592.4

    41988179.7985829967585

    5110931469.91107044836575

    6119133857.22477783595064.8

    7124177841.26843194043350

    81200411924.49381237521533

    917176510.5174337517515

    101327571.589602446504.6

    fs_All-soho distribution

    &A

    Page &P

    Avg(FS)

    Middle Firm 2 Financial Scoring Model Distribution

    EDF

    percent, %

    Large Firm 5 Financial Scoring Model Distribution

    base.bins_L5

    FREQ

    bad * fs_scoring_

    badfs_scoring_

    12345678910

    09353820324993690012342130899112249761552211

    0.1713.789.2912.8322.9524.3416.944.641.1497.09

    0.181.033.899.5613.2223.6425.0717.454.781.18

    98.9499.6399.3299.2898.798.296.8795.5591.783.67

    1121436912264234242261201563

    000.030.070.170.420.790.790.420.222.91

    0.060.130.92.35.8214.4627.0627.1314.467.68

    1.060.370.680.721.31.83.134.458.316.33

    9454020465029699112568135129536272373553774

    0.1713.89.351323.3725.1317.735.061.37100

    FS_Score98.8394.6488.1979.4969.7457.3041.7624.8510.592.40

    72.66

    fs_scoring__TYPE__FREQ_badfs_scoringminfs_scoringmaxfs_scoring

    1194198.834042553297.8100

    21540294.636296296392.697.2

    3120461488.19247311838592.4

    4150293679.49401471477585

    5169919169.73809183246575

    611256822657.30237110125065

    711351242341.75538780343350

    81953642424.85211828861533

    91272322610.5948586118515

    1017351202.404625850304.8

    &A

    Page &P

    Avg(FS)

    Small Firm 3 Financial Scoring Model Distribution

    EDF

    percent, %

    Large Firm 5 Financial Scoring Model Distribution

    base.bins_L5

    FREQ

    bad * fs_scoring_

    badfs_scoring_

    12345678910

    02510351017392955556059353890112329822138

    0.110.452.237.6212.9524.3626.0117.054.921.3197.01

    0.110.472.37.8613.3525.1226.8117.575.071.35

    10010099.6199.298.6398.0696.9195.5892.584.18

    100214411101891809156683

    000.010.060.180.480.830.790.40.252.99

    000.292.05616.1127.6726.3513.328.2

    000.390.81.371.943.094.427.515.82

    2510351217532996567061244070121435422821

    0.110.452.247.6813.1324.8526.8317.835.321.55100

    FS_Score98.3894.7188.0879.3469.6557.3441.7324.7810.542.42

    76.38

    fs_scoring__TYPE__FREQ_badfs_scoringminfs_scoringmaxfs_scoring

    1125098.38497.6100

    21103094.710679611792.697.2

    31512288.077343758592.4

    4117531479.3399885917584.8

    5129964169.65166889196575

    61567011057.34250440925064.8

    71612418941.73334421953350

    81407018024.77508599511533

    9112149110.539538715515

    101354562.422033898304.8

    &A

    Page &P

    Avg(FS)

    Small Firm 2 Financial Scoring Model Distribution

    EDF

    percent, %

    Large Firm 5 Financial Scoring Model Distribution

    base.bins_L5

    FREQ

    bad * lg_scoring

    badlg_scoring

    12345678910

    042118183656142993255145039347093045060001152170095

    0.241.042.098.1618.5725.6919.817.373.420.6697.03

    0.251.072.158.4119.1426.4820.4117.93.530.68

    10099.9599.9299.7999.5698.7397.3293.6486.9268.82

    10133014557995420689035225205

    0000.020.080.330.541.180.520.32.97

    00.020.060.582.7911.1218.3339.7317.3510.03

    00.050.080.210.441.272.686.3613.0831.18

    42118193659143293269645618356633251869031674175300

    0.241.042.098.1718.6526.0220.3418.553.940.95100

    0.00184851550.00861108730.02650268110.10509549050.41660390791.28739258922.8895926196.081720470813.266485295732.3694517038

    69.8

    lg_scoring_TYPE__FREQ_badedfminedfmaxedfy

    1142100.00184851550.00012576020.0031892788-11.0632283728

    21181910.00861108730.00320002520.0139999962-9.4323154578

    31365930.02650268110.01400065490.0399847614-8.2789694923

    4114329300.10509549050.040010920.1799683879-6.9405859783

    51326961450.41660390790.18001399230.7029768851-5.5478063801

    61456185791.28739258920.70300229472.0109649375-4.3838981946

    71356639542.8895926192.01100340253.9998602891-3.534110206

    813251820686.08172047084.00003540639.9976767759-2.769745081

    91690390313.266485295710.000279546519.9960903046-1.8952656405

    101167452232.369451703820.010266089388.4253140927-0.7750609112

    &A

    Page &P

    EDF

    percent, %

    All Corporate Rating Logit Model Distribution

    base.bins_L5

    FREQ

    bad * fs_scoring_

    badfs_scoring_

    12345678910

    0121323125425753338516770845745156534827520

    0.431.144.449.1211.8218.325.0820.345.541.2397.45

    0.441.174.569.3612.1318.7825.7420.885.691.26

    10010099.2199.0898.8598.5397.5696.2893.3885.29

    1001024397717722211160720

    000.040.080.140.270.630.790.390.212.55

    001.393.335.4210.6924.5830.8315.428.33

    000.790.921.151.472.443.726.6214.71

    121323126425993377524472615967167640828240

    0.431.144.489.211.9618.5725.7121.135.931.44100

    FS_Score99.9694.8587.8079.8069.9857.2441.3324.9310.491.81

    72.78

    fs_scoring__TYPE__FREQ_badfs_scoringminfs_scoringmaxfs_scoring

    11121099.960330578597.6100

    21323094.845820433492.697.4

    3112641087.80411392418592.4

    4125992479.80153905357584.8

    5133773969.98495706256574.8

    6152447757.24473684215065

    71726117741.33078088423350

    81596722224.93048433051532.8

    91167611110.4912887828515

    101408601.808333333304.8

    &A

    Page &P

    Avg(FS)

    Middle & Small Firm 1 Financial Scoring Model Distribution

    EDF

    percent, %

    Large Firm 5 Financial Scoring Model Distribution

    base.bins_L5

    FREQ

    bad * fs_scoring_

    badfs_scoring_

    12345678910

    02124120245759435199302047710131238634668608

    00.181.726.5413.4928.529.2814.493.410.4998.11

    00.181.756.6713.7529.0529.8514.773.480.5

    10098.4199.599.3999.1398.5197.9997.7293.7979.91

    10262883301421236158871322

    000.010.040.120.430.60.340.230.121.89

    00.150.452.126.2822.7731.8517.8511.956.58

    01.590.50.610.871.492.012.286.2120.09

    2126120846039518202312089810367254443369930

    00.181.736.5813.6128.9329.8814.823.640.62100

    FS_Score99.5094.1087.7478.7669.0956.8241.7724.7910.182.31

    77.89

    fs_scoring__TYPE__FREQ_badfs_scoringminfs_scoringmaxfs_scoring

    112099.599100

    21126294.10317460329397

    311208687.73675496698592

    4146032878.76015641977584

    5195188369.09014498846574

    612023130156.82245069455064

    712089842141.76839888983349

    811036723624.78692003471532

    91254415810.1772798742514

    101433872.309468822204

    &A

    Page &P

    Avg(FS)

    SOHO Financial Scoring Model Distribution

    EDF

    percent, %

    Large Firm 5 Financial Scoring Model Distribution

    base.bins_L5

    FREQ

    bad * fs_scoring_

    badfs_scoring_

    12345678910

    048223217527162912128836780427763115088012690170106

    0.271.324.299.2912.1420.9824.417.775.021.5397.03

    0.281.364.429.5812.5121.6225.1518.315.171.58

    99.3899.8799.5999.4498.9298.3697.1195.3691.5880.88

    1333191233613127515178096365211

    000.020.050.130.350.730.870.460.362.97

    0.060.060.591.754.4711.7624.4729.1115.5212.2

    0.620.130.410.561.081.642.894.648.4219.12

    48523247558163822152137393440513266796103326175317

    0.281.334.319.3412.2821.3325.1318.635.481.9100

    FS_Score99.0894.6688.2679.5869.7957.2941.5624.8310.432.08

    72.47

    fs_scoring__TYPE__FREQ_badfs_scoringminfs_scoringmaxfs_scoring

    11485399.084948453697.6100

    212324394.661531841792.697.4

    3175583188.26014818748592.4

    41163829179.58320107437585

    512152123369.79160819666575

    613739361357.28573797235065

    7144051127541.55698622053350

    8132667151724.82597728591533

    91961080910.4319667014515

    10133266362.078893565804.8

    &A

    Page &P

    Avg(FS)

    All Corporate Financial Scoring Model Distribution

    EDF

    percent, %

    Large Firm 5 Financial Scoring Model Distribution

    Chart14

    0.2400.0018485155

    1.040.050.0086110873

    2.090.080.0265026811

    8.170.210.1050954905

    18.650.440.4166039079

    26.021.271.2873925892

    20.342.682.889592619

    18.556.366.0817204708

    3.9413.0813.2664852957

    0.9531.1832.3694517038

    EDF

    percent, %

    All Corporate Rating Logit Model Distribution

    lgedf_l5 distribution

    base.bins_L5

    FREQ

    bad * lg_scoring

    badlg_scoring

    12345678910

    021962517083666555244983460200756221522512

    0.952.717.4115.924.0819.5115.018.72.440.9397.64

    0.972.787.5916.2824.6619.9815.378.922.50.96

    10099.8499.8299.7899.6698.7597.3692.3684.3870.03

    1013819579416610492544

    000.010.030.080.250.410.720.450.42.36

    00.180.551.473.4910.4817.2830.5119.1216.91

    00.160.180.220.341.252.647.6415.6229.97

    21962617113674557145553554217366630723056

    0.952.727.4215.9424.1619.7615.419.422.891.33100

    edf0.00204718770.00617734310.02005911430.08404986160.37541827421.24996589683.21406328697.57364662815.145009867727.0492413234

    48.81

    lg_scoring_TYPE__FREQ_badedfminedfmaxedfy

    1121900.0020471880.000629080.003189279-10.86852406

    2162610.0061773430.0032000250.00909677-9.73176626

    31171130.0200591140.0091084990.033983377-8.581721486

    41367480.0840498620.0340538280.15295119-7.170764111

    515571190.3754182740.1530426390.702976885-5.671989703

    614555571.2499658970.7030328072.010949902-4.415148706

    713554943.2140632872.0110034034.999826909-3.438380333

    8121731667.5736466285.00006920411.99860419-2.532495333

    9166610415.1450098712.0005880419.94471807-1.733506709

    1013079227.0492413220.0233066745.0995051-1.010049228

    lgedf_l5 distribution

    &A

    Page &P

    lgedf_l5 distribution (2)

    lgedf_l3 distribution

    EDF

    percent, %

    Large Firm 5 Logit Model Distribution

    lgedf_l3 distribution (2)

    base.bins_L5

    FREQ

    bad * lg_scoring

    badlg_scoring

    12345678910

    0219107015713829508144982736244784621522512

    0.954.646.8116.6122.0419.5111.8710.613.670.9397.64

    0.974.756.9817.0122.5719.9812.1510.873.760.96

    10099.9199.8199.7999.6398.7597.5193.9386.1570.03

    1013819577015813692544

    000.010.030.080.250.30.690.590.42.36

    00.180.551.473.4910.4812.8729.042516.91

    00.090.190.210.371.252.496.0713.8529.97

    219107115743837510045552806260598230723056

    0.954.656.8316.6422.1219.7612.1711.34.261.33100

    edf0.00204718770.00838262650.02576752880.09789711630.39475989011.24996589682.87685601746.269238842313.811676626427.0492413234

    48.82

    lg_scoring_TYPE__FREQ_badedfminedfmaxedfy

    1121900.00204718770.00062907960.0031892788-10.8685240562

    21107110.00838262650.00320002520.0139999962-9.4605867939

    31157430.02576752880.01400197880.0399847614-8.3090701557

    41383780.09789711630.04001389050.1799664778-7.0171123144

    515100190.39475989010.18001399230.7029768851-5.6047114295

    614555571.24996589680.70303280692.0109499025-4.4151487063

    712806702.87685601742.01100340253.9998502824-3.5386970037

    8126051586.26923884234.00059923799.992371194-2.7379852368

    9198213613.811676626410.001513067819.9447180743-1.8488759615

    1013079227.049241323420.023306674445.0995050998-1.0100492283

    lgedf_l3 distribution (2)

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    lgedf_M3 distribution

    lgedf_M2 distribution

    EDF

    percent, %

    Large Firm 5 Logit Model Distribution

    lgedf_S3 distribution

    base.bins_L5

    FREQ

    bad * lg_scoring

    badlg_scoring

    12345678910

    0231603366781088932710460169534609

    0.483.357.0414.2122.8119.5414.889.643.541.1196.62

    0.53.477.2914.7123.6120.2215.49.983.671.15

    10010010099.7199.4598.7396.9991.0988.9550

    1000261222452153161

    0000.040.130.250.460.940.441.113.38

    0001.243.737.4513.6627.9513.0432.92

    0000.290.551.273.018.9111.0550

    2316033668010949447325051901064770

    0.483.357.0414.2622.9419.7915.3510.593.982.22100

    0.00024701360.00200659920.01083039560.0625529490.43522621181.58559507283.47796269066.902715155412.958687470452.795706861

    51.93

    lg_scoring_TYPE__FREQ_badedfminedfmaxedfy

    112300.00024701360.00012576020.0003716291-12.9579952323

    2116000.00200659920.0004003130.0039593993-11.0070274193

    3133600.01083039560.0040241680.0199737127-9.2256315189

    4168020.0625529490.02018939710.1339257785-7.5146610397

    51109460.43522621180.13401415070.8894706746-5.5725641298

    61944121.58559507280.89002497612.4393482687-4.1678263813

    71732223.47796269062.44003092974.8444300176-3.3433378101

    81505456.90271515544.8500142919.9906137531-2.622451159

    911902112.958687470410.005704694819.8318760527-1.9190842042

    1011065352.79570686120.154596971588.42531409270.1729517178

    lgedf_S3 distribution

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    lgedf_S2 distribution

    lgedf_MS1 distribution

    EDF

    percent, %

    Large Firm 3 Logit Model Distribution

    lgedf_All distribution

    base.bins_L5

    FREQ

    bad * lg_scoring

    badlg_scoring

    12345678910

    0149273311593786897735643169534609

    3.125.726.5212.4316.4818.8115.4113.483.541.1196.62

    3.235.926.7512.8717.0519.4615.9513.953.671.15

    10010010099.6699.4998.99891.9988.9550

    1000241015562153161

    0000.040.080.210.311.170.441.113.38

    0001.242.486.219.3234.7813.0432.92

    0000.340.511.128.0111.0550

    1492733115957909077506991901064770

    3.125.726.5212.4716.5619.0115.7214.653.982.22100

    0.00135986940.00786399130.02510993180.09517371570.40095022231.28787027832.8763241766.212162565212.958687470452.795706861

    55.58

    0.00140.00790.02510.09520.40101.28792.87636.212212.958752.7957

    lg_scoring_TYPE__FREQ_badedfminedfmaxedfy

    1114900.00135986940.00012576020.00313507-11.4879011581

    2127300.00786399130.0032528850.0139828479-9.5344808721

    3131100.02510993180.01403972330.0397842031-8.3339833255

    4159520.09517371570.04011243790.1797013338-7.0512603763

    5179040.40095022230.1800156370.7025298517-5.5927480638

    61907101.28787027830.70339820342.0101923868-4.3830261587

    71750152.8763241762.0130312863.9997894786-3.5394088222

    81699566.21216256524.00994498789.9906137531-2.7485017844

    911902112.958687470410.005704694819.8318760527-1.9190842042

    1011065352.79570686120.154596971588.42531409270.1729517178

    lgedf_All distribution

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    EDF

    percent, %

    Large Firm 3 Logit Model Distribution

    base.bins_L5

    FREQ

    bad * lg_scoring

    badlg_scoring

    12345678910

    0514853525965544767364346314152839331170

    0.020.461.658.0317.1523.7319.919.534.731.2296.4

    0.020.471.728.3317.7924.6220.6420.264.91.26

    10010010099.9299.7398.7697.1993.1785.7572.78

    1000215961864632541471163

    0000.010.050.30.581.430.790.453.6

    0000.171.298.2515.9939.8121.8412.64

    0000.080.271.242.816.8314.2527.22

    514853525985559776966206777178254032333

    0.020.461.658.0417.1924.0320.4720.965.511.67100

    0.00289619390.00982810560.02697336550.10595888170.4165169781.29788890522.89412857026.17320348813.356929588134.9104370023

    72.64

    lg_scoring_TYPE__FREQ_badedfminedfmaxedfy

    11500.00289619390.00262726940.0030567712-10.4507854294

    2114800.00982810560.00328542840.0139831822-9.2848521848

    3153500.02697336550.01400065490.0399630815-8.2605337177

    41259820.10595888170.04001154560.1799597224-6.9293862295

    515559150.4165169780.1800225810.7027481369-5.5493718147

    617769961.29788890520.70300229472.0109649375-4.3755927526

    7166201862.89412857022.01111060593.9995092206-3.532152891

    8167774636.1732034884.00053878049.9974781167-2.7541035173

    91178225413.356929588110.000279546519.9960903046-1.8878430048

    10154014734.910437002320.017381230980.7762738373-0.6643541213

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    EDF

    percent, %

    Middle Firm 3 Logit Model Distribution

    base.bins_L5

    FREQ

    bad * lg_scoring

    badlg_scoring

    12345678910

    048195330101315812272192919395181139938

    0.471.893.29.8315.3422.0418.7118.815.021.196.4

    0.481.963.3210.1915.9122.8619.4119.515.211.14

    10010010010099.2598.7497.4293.0489.1661.41

    100001229511456371371

    00000.120.280.491.410.610.693.6

    00003.237.8213.7539.0816.9819.14

    00000.751.262.586.9610.8438.59

    481953301013159323011980208458118410309

    0.471.893.29.8315.4522.3219.2120.225.641.78100

    0.00234977910.00880589610.02628927130.09916996140.40318952551.28981313162.886599936.167488740913.370707879638.2519704181

    69.17

    lg_scoring_TYPE__FREQ_badedfminedfmaxedfy

    114800.00234977910.00140289080.003163753-10.6971078528

    2119500.00880589610.00327173820.0139803374-9.3999441726

    3133000.02628927130.01404006330.0398118517-8.2890618844

    41101300.09916996140.04013669810.1797518004-7.003001914

    511593120.40318952550.1800597950.7026365101-5.5827239811

    612301291.28981313160.70523013042.0108465636-4.3828927237

    711980512.886599932.01432355293.9964420422-3.5356572551

    8120841456.16748874094.00309654659.9962972745-2.7554858264

    915816313.370707879610.009455296919.97833935-1.8864113295

    1011847138.251970418120.02378932475.0674342221-0.519998676

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    EDF

    percent, %

    Middle Firm 2 Logit Model Distribution

    base.bins_L5

    FREQ

    bad * lg_scoring

    badlg_scoring

    12345678910

    009667234959606140731187110627161215952211

    00.181.256.517.8626.1722.0819.7630.397.09

    00.181.296.6918.426.9522.7420.353.090.3

    010010099.899.5398.7397.3893.688.0471.3

    1000745181320727219641563

    0000.010.080.340.61.350.410.122.91

    0000.452.8811.5820.4746.5114.014.09

    0000.20.471.272.626.411.9628.7

    09667235029651142541219111354183122353774

    00.181.256.5117.9526.5122.6721.113.40.41100

    00.0099511760.02798649060.10940415010.41884217421.29196173532.91240642366.03851769313.007343076625.1179473829

    74.1

    lg_scoring_TYPE__FREQ_badedfminedfmaxedfy

    11000000

    219600.0099511760.00587695950.0138721752-9.2480988753

    3167200.02798649060.01421475260.039977891-8.2163465947

    41350270.10940415010.040010920.1799683879-6.893544131

    519651450.41884217420.18001547710.702859389-5.5416892347

    61142541811.29196173530.70307351722.0107397642-4.3800996324

    71121913202.91240642362.0112039193.9998602891-3.5258512173

    81113547276.0385176934.00003540639.9968928492-2.7766217797

    91183121913.007343076610.00080682819.993488893-1.9173267993

    1012236425.117947382920.054402939138.1882742697-1.1046800385

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    EDF

    percent, %

    Small Firm 3 Logit Model Distribution

    base.bins_L5

    FREQ

    bad * lg_scoring

    badlg_scoring

    12345678910

    00351801370387663015185436572210422138

    00.150.79616.9827.6122.7219.133.160.4697.01

    00.160.816.1917.5128.4623.4219.723.260.47

    010010099.3599.5498.6297.4494.0786.1671.72

    10009188813627511641683

    0000.040.080.390.61.210.510.182.99

    0001.322.6412.8819.9140.2616.986

    0000.650.461.382.565.9313.8428.28

    0351801379389463895321464083814522821

    00.150.796.0417.062823.3220.333.670.64100

    00.01142709820.02732651450.10949795350.42269303541.30339306312.89765022546.004276524213.211452265525.3229734348

    75.96

    lg_scoring_TYPE__FREQ_badedfminedfmaxedfy

    11000000

    213500.01142709820.00685661610.0139478868-9.0909135303

    3118000.02732651450.0140498830.0399828941-8.2486972901

    41137990.10949795350.04016297910.1799566681-6.8973255486

    513894180.42269303540.18019079430.7029363835-5.5320504366

    616389881.30339306310.70318001592.0109291097-4.3704532412

    7153211362.89765022542.01116134923.999042492-3.5312185766

    8146402756.00427652424.00003577499.9859348108-2.783302353

    9183811613.211452265510.011338755819.9742960974-1.9000007617

    1011454125.322973434820.010266089342.0975067042-1.0966215396

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    EDF

    percent, %

    Small Firm 2 Logit Model Distribution

    base.bins_L5

    FREQ

    bad * lg_scoring

    badlg_scoring

    12345678910

    001571403607793255819411560511527517

    000.24.9721.5233.0220.6114.572.140.4197.45

    000.215.122.0833.8921.1514.952.20.42

    010010099.8699.4898.7597.0694.486.5568.05

    10002321181762449454720

    0000.010.110.420.620.860.330.192.55

    0000.284.4416.3924.4433.8913.067.5

    0000.140.521.252.945.613.4531.95

    01571405610994435995435969916928237

    000.24.9821.6333.4421.2315.442.480.6100

    00.01193440320.03112502840.11657105290.43302405611.27845201262.83964935775.960472108113.011815384730.3128295025

    73.19

    lg_scoring_TYPE__FREQ_badedfminedfmaxedfy

    11000000

    21100.01193440320.01193440320.0119344032-9.03338086

    315700.03112502840.01603629220.0395341536-8.096100846

    41140520.11657105290.04002433250.1799653173-6.8201471656

    516109320.43302405610.18004077530.7028791809-5.503665693

    6194431181.27845201260.70306524792.0107955188-4.3908163282

    7159951762.83964935772.01140937843.9995874137-3.5523122813

    8143592445.96047210814.00027679779.9976767759-2.7909239852

    916999413.011815384710.006649340219.9685643278-1.9167801129

    1011695430.312829502520.106744040661.3715698876-0.8634022524

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    EDF

    percent, %

    Middle & Small Firm 1 Logit Model Distribution

    base.bins_L5

    FREQ

    bad * lg_scoring

    badlg_scoring

    12345678910

    042118183656142993255145039347093045060001152170095

    0.241.042.098.1618.5725.6919.817.373.420.6697.03

    0.251.072.158.4119.1426.4820.4117.93.530.68

    10099.9599.9299.7999.5698.7397.3293.6486.9268.82

    10133014557995420689035225205

    0000.020.080.330.541.180.520.32.97

    00.020.060.582.7911.1218.3339.7317.3510.03

    00.050.080.210.441.272.686.3613.0831.18

    42118193659143293269645618356633251869031674175300

    0.241.042.098.1718.6526.0220.3418.553.940.95100

    0.00184851550.00861108730.02650268110.10509549050.41660390791.28739258922.8895926196.081720470813.266485295732.3694517038

    69.8

    lg_scoring_TYPE__FREQ_badedfminedfmaxedfy

    1142100.00184851550.00012576020.0031892788-11.0632283728

    21181910.00861108730.00320002520.0139999962-9.4323154578

    31365930.02650268110.01400065490.0399847614-8.2789694923

    4114329300.10509549050.040010920.1799683879-6.9405859783

    51326961450.41660390790.18001399230.7029768851-5.5478063801

    61456185791.28739258920.70300229472.0109649375-4.3838981946

    71356639542.8895926192.01100340253.9998602891-3.534110206

    813251820686.08172047084.00003540639.9976767759-2.769745081

    91690390313.266485295710.000279546519.9960903046-1.8952656405

    101167452232.369451703820.010266089388.4253140927-0.7750609112

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    EDF

    percent, %

    All Corporate Rating Logit Model Distribution

    Chart1

    00.00186655370.0595.0817204301

    0.080.00816932360.789.6638888889

    0.090.03946920882.6385.8882429501

    0.230.16008969117.880.2452769445

    0.470.488782222117.0367.8328566165

    1.21.254058572825.652.651887339

    2.782.890308360524.1939.813406583

    6.346.168022611217.0827.9412861199

    12.9713.16063425144.213.5643507818

    36.0134.10367200320.725.5273443656

    EDF

    Avg(FS)

    All Corporate Joint Scoring Grade Distribution

    SC_Grade

    base.bins_L5

    FREQ

    bad * SC_Grade_

    badSC_Grade_

    12345678910

    0931223460613636297184433841231280376401812170095

    0.050.72.637.7816.9525.2923.5215.993.650.4697.03

    0.050.722.718.0217.4726.0724.2416.483.760.48

    10099.9299.9199.7799.5398.897.2293.6687.0363.99

    101431139540118118989544575205

    0000.020.080.310.671.080.540.262.97

    00.020.080.62.6710.3722.6936.4618.338.78

    00.080.090.230.471.22.786.3412.9736.01

    9312244610136672985744878424122993573551269175300

    0.050.72.637.817.0325.624.1917.084.20.72100

    Financial Score95.0889.6685.8980.2567.8352.6539.8127.9413.565.53

    EDF0.00186655370.00816932360.03946920880.16008969110.48878222211.25405857282.89030836056.168022611213.160634251434.1036720032

    SC_Grade__TYPE__FREQ_badFinancial ScoreEDFMin JSCMax JscMin FCMax FCMin EDFMax EDF

    1193095.08172043010.00186655371192.61000.00012576020.003163753

    211224189.66388888890.008169323622651000.00013109220.0394278931

    314610485.88824295010.039469208833261000.00015274830.1799195118

    41136673180.24527694450.16008969114433.21000.00374362470.702815762

    512985713967.83285661650.488782222155151000.01416163962.0104091591

    614487854052.6518873391.254058572866594.60.08075575125.0280292271

    7142412118139.8134065832.8903083605770880.23734168469.9718054877

    8129935189827.94128611996.168022611288081.62.012439873119.9685643278

    91735595413.564350781813.1606342514990724.001287360183.4790545418

    10112694575.527344365634.10367200321010014.820.010266089388.4253140927

    SC_Grade

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    BINS_SCGRADE_FS

    EDF

    Avg(FS)

    All Corporate Joint Scoring Grade Distribution

    BINS_SCGRADE_EDF

    EDF

    percent, %

    All Corporate Joint Scoring Grade Distribution

    bin_TYPE__FREQ_badFinancial ScoreY1(EDF, %)Joint Scoring GradeMin JSCMax JscMin FCMax FCMin EDFMax EDFbadratioY2(Historical PD, %)

    0118314060.75696340815.71033694479.007107709171002.20.27072869288.1961527190.221736755922.1736755871

    1116202433.80938271611.640943768.83930778746102.45.40.200228487788.42531409270.1515

    2117651936.335637393810.14328887118.35317460326105.47.60.122436110887.40417700860.109348441910.9348441926

    3118391728.50081566078.67573603738.22089227426107.69.40.228021938387.1358190710.09352909199.3529091898

    41170214110.40223266758.40111124698.20035252646109.411.20.106815429784.95276717620.08284371338.2843713278

    51178713712.09904868497.97754995858.173475097961011.412.80.080755751284.37859811680.07666480137.6664801343

    61179711813.76071229836.9469037378.048414023461012.814.40.179155060160.26450563610.06566499726.5664997218

    7116339315.09565217396.57669149177.854166666751014.415.80.074060782963.95323488670.0569503985.695039804

    81178011816.47426966296.2136681667.71685393265915.8170.079343390257.86743885220.06629213486.6292134831

    9117458417.69467048715.89140502747.67220630375917.218.40.018596572147.89475689690.04813753584.8137535817

    101176811118.91809954755.9693690557.66987542475918.419.40.044844018283.47905454180.06278280546.278280543

    11117649020.03718820865.38351250697.60204081635919.620.60.11585253546.39921267480.05102040825.1020408163

    12116668621.05258103244.92416092247.52641056425920.621.60.064149767849.00204404910.05162064835.1620648259

    13119408722.13226804124.9858317927.52680412375921.622.60.035762944740.912018120.04484536084.4845360825

    14116569123.1340579714.89959995477.53019323675922.623.60.07091328850.87794288110.05495169085.4951690821

    15117058624.07906158365.08221304997.5378299125923.624.60.046010943442.42547815780.05043988275.0439882698

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    &A

    Page &P

    Y1(EDF, %)

    Y2(Historical PD, %)

    Financial Score

    Joint Scoring Grade

    Percentile

    Percent(%),Score

    All Corporate Joint Scoring GradeBy Financial Score

    Y1(EDF, %)

    Y2(Historical PD, %)

    Financial Score

    Percentile

    Percent(%),Score

    All Corporate Joint Scoring GradeBy Financial Score

    Joint Scoring Grade

    Min JSC

    Max Jsc

    Percentile

    Percent(%)

    All Corporate Joint Scoring GradeBy Financial Score

    Y1(EDF, %)

    Min EDF

    Max EDF

    Y2(Historical PD, %)

    Percentile

    Percent(%)

    All Corporate Joint Scoring GradeBy Financial Score

    Financial Score

    Min FC

    Max FC

    Y2(Historical PD, %)

    Percentile

    Percent(%)

    All Corporate Joint Scoring GradeBy Financial Score

    bin_TYPE__FREQ_badFinancial ScoreY1(EDF, %)Joint Scoring GradeMin JSCMax JscMin FCMax FCMin EDFMax EDFbadratioY2(Historical PD, %)

    011753183.15265259560.00590870912.365088419914261000.00012576020.01106969010.00057045070.0570450656

    111753180.46149458070.01646802363.07758128922517.61000.01106972880.02221780010.00057045070.0570450656

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    311753077.19053051910.04178740613.79235596122519.21000.0351031510.048545510500

    411753276.11694238450.0556208364.08613804913519.41000.04855167770.06301536460.00114090130.1140901312

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    711753473.76006845410.10335913094.158585282436111000.09483441220.11182071530.00228180260.2281802624

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    911753670.95790074160.13998490764.25784369653515.61000.13032560740.14937621940.00342270390.3422703936

    1011753170.18208784940.15942884274.2806617228365.41000.14937658690.16915542510.00057045070.0570450656

    1111753469.34717626930.17920572154.60011409013671000.16917029980.18886322150.00228180260.2281802624

    1211753267.97090701650.19958439665.016543069465.21000.18887065630.21057041170.00114090130.1140901312

    1311753167.28419851680.22112336695.0228180262468.21000.21057431210.23172040060.00057045070.0570450656

    1411753366.18425556190.24273202345.05077010844741000.2317411320.25395606110.0017113520.1711351968

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    1811753963.65088419850.34078533085.1140901312469.41000.32759480990.35384635280.00513405590.5134055904

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    2311753660.42738163150.48069525185.20079863094701000.46622907470.49580774390.00342270390.3422703936

    2411753960.62156303480.51158848035.18197375934701000.49583316690.52705995350.00513405590.5134055904

    25117531158.82567027950.54255156125.24415288084651000.52706773440.55903660460.00627495720.6274957216

    2611753958.98539646320.57573147275.2424415288465.61000.55905112020.59200741950.00513405590.5134055904

    2711753958.86115231030.60808825275.2492869367470970.59201053260.62483894750.00513405590.5134055904

    28117531457.95767256130.64220994895.25841414724701000.62484279740.6595030790.00798630920.7986309184

    2911753957.16132344550.67768554275.28807758134731000.65950459830.69584299310.00513405590.5134055904

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    3211753955.85282373070.78805925895.964061608757097.60.76880746280.80703806170.00513405590.5134055904

    33117532255.81369081570.8261960955.97204791795701000.80703997250.84580182660.01254991441.2549914432

    34117531855.54249857390.86627806845.9891614375570970.84582446460.88596995390.01026811181.0268111808

    35117531955.03011979460.90693450215.993154592157097.40.88597581710.92765727320.01083856251.0838562464

    36117531854.10017113520.94816068476.011979463857097.40.92766702440.96939611950.01026811181.0268111808

    37117531753.21140901310.99074009746.028522532857097.40.96943124561.0120869060.00969766120.9697661152

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    47117531750.20467769541.47675789346.096406160957094.21.4490322281.50390398990.00969766120.9697661152

    48117532549.04061608671.53249928786.128921848357093.21.5039369371.56085425010.01426126641.42612664

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    51117533948.46423274391.71031745596.143753565357093.61.67984624611.74031517040.02224757562.2247575585

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    Y1(EDF, %)

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    Financial Score

    Joint Scoring Grade

    Percentile

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    All Corporate Joint Scoring GradeBy EDF

    Y1(EDF, %)

    Y2(Historical PD, %)

    Financial Score

    Percentile

    Percent(%)

    All Corporate Joint Scoring GradeBy EDF

    Joint Scoring Grade

    Min JSC

    Max Jsc

    Percentile

    Grade

    All Corporate Joint Scoring GradeBy EDF

    Y1(EDF, %)

    Min EDF

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    All Corporate Joint Scoring GradeBy EDF

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