Case Study 1: A MAJOR LARGE BANK CLIENT. PerformanceNo. Businesses Performance in % Defaulted45% Not Defaulted8495% Total88 Sample size: 88 Customers. Total Customers:504 Period :
CompanyDefault InsitutionNo. Defaults Period Of default after verification. Company 1Other Bank12 years Company 2Other Bank11 year Company 3Other Bank22 years Company 4Other Bank22 years Case Study 1: Of the 4 Companies that defaulted… None of them defaulted with the Bank doing the Site Verification but defaults happened with their other lenders. Company 1 and 2 were listed with dormant accounts whose defaulted amount <1,000 suggesting the proprietors may have just assumed they finished paying off the loans. Company 3 and 4 had both a loan and overdraft facility with other institutions. The loans appears to have been taken around the same period the application to the Bank was made. Additionally, the defaults for 3 and 4 started 2 years after the site verification highlighting the need for regular monitoring.
Ratings AssignedNumber Prompt Payment Irregular Payment Default ed A1485%15%0 B1965%35%0 C1475%25%0 NB1100%0%0 NR2673%27%0 Total74%26%0 Case Study 2: A MAJOR REGIONAL HOTEL. Sample size: 74 Total Customers :504 Period