Score de Admisión

Acumulado
Obs Min Max Total Malos Buenos PD WOE
Buenos
1 0 0.024 626 9 617 1% 2.22 617
2 0.024 0.035 543 11 532 2% 1.87 1149
3 0.035 0.047 546 12 534 2% 1.79 1683
4 0.047 0.06 585 23 562 4% 1.19 2245
5 0.06 0.073 562 38 524 7% 0.62 2769
6 0.073 0.092 578 59 519 10% 0.17 3288
7 0.092 0.124 563 92 471 16% -0.37 3759
8 0.124 0.186 567 99 468 17% -0.45 4227
9 0.186 0.28 579 140 439 24% -0.86 4666
10 0.28 1 563 195 368 35% -1.37 5034
5,712 678 5,034 12%
 A B
Acumulado Acumulado Acumulado
ABi + ABi-1 AMi - AMi-1 A*B D
Malos Buenos % Malos %
9 12% 1% 12% 1% 0% 11%
20 23% 3% 35% 2% 1% 20%
32 33% 5% 56% 2% 1% 29%
55 45% 8% 78% 3% 3% 36%
93 55% 14% 100% 6% 6% 41%
152 65% 22% 120% 9% 10% 43%
244 75% 36% 140% 14% 19% 39%
343 84% 51% 159% 15% 23% 33%
483 93% 71% 177% 21% 36% 21%
678 100% 100% 193% 29% 55% 0%
154.49%

D=1-A*B 54.49%

KS Gini ROC
43% 54% 77%
Score de Admisión
"Determinación del Punto de Corte"

Acumulado Acumulado
Obs Min Max Total Malos Buenos PD
Buenos Malos
0 0 0 0 0 0 100.00% 0 0
1 -125 132 7,365 1,238 6,127 16.81% 6,127 1,238
2 133 226 7,396 272 7,124 3.68% 13,251 1,510
3 227 274 7,273 74 7,199 1.02% 20,450 1,584
4 275 310 7,456 49 7,407 0.66% 27,857 1,633
5 311 342 7,287 26 7,261 0.36% 35,118 1,659
6 343 379 7,539 35 7,504 0.46% 42,622 1,694
7 380 423 7,275 11 7,264 0.15% 49,886 1,705
8 424 459 7,340 18 7,322 0.25% 57,208 1,723
9 460 500 7,396 7 7,389 0.10% 64,597 1,730
10 501 708 7,379 3 7,376 0.04% 71,973 1,733
1,733 71,973

Cut Off

20% 100%

18% 90%

16% 80%

14% 70%

12% 60%
PD

10% 50%

8% 40%

6% 30%

4% 20%

2% 10%

0% 0 132 226 274 310 342 379 423 459 500 708
0%
6% 30%

4% 20%

2% 10%

0% 0 132 226 274 310 342 379 423 459 500 708
0%

Score
 Acumulado Acumulado Aprobación
D Tasa Aprobación PD objetivo PD
Buenos % Malos % Objetivo
0% 0% 0% 100% 70% 2.00% 100.00%
9% 71% 63% 100% 70% 2.00% 16.81%
18% 87% 69% 90% 70% 2.00% 3.68%
28% 91% 63% 80% 70% 2.00% 1.02%
39% 94% 56% 70% 70% 2.00% 0.66%
49% 96% 47% 60% 70% 2.00% 0.36%
59% 98% 39% 50% 70% 2.00% 0.46%
69% 98% 29% 40% 70% 2.00% 0.15%
79% 99% 20% 30% 70% 2.00% 0.25%
90% 100% 10% 20% 70% 2.00% 0.10%
100% 100% 0% 10% 70% 2.00% 0.04%

Aprobados 70.00%
PD 2.00%

100%
80%
Punto de Corte Negocio 310
Punto de Corte Riesgo 274 70%
90%
60%

80% 50%

40%

70% 30%
Tasa de Aprobación

20%
60%
10%

0%
50% 0 132

40%

30%

20%

10%

0%
500 708
 T
30%

20%

10%

0%
500 708
 score max CO-Negocio Artificio score max CO-Riesgo CO N CO R
0 310 0 0 274 100 100
132 310 0 132 274 100 100
226 310 0 226 274 100 100
274 310 1 274 274 100 0
310 310 1 310 274 0 0
342 310 1 342 274 0 0
379 310 1 379 274 0 0
423 310 1 423 274 0 0
459 310 1 459 274 0 0
500 310 1 500 274 0 0
708 310 1 708 274 0 0

Distancia Máxima
80%

70%

60%

50%

40%

30%

20%

10%

0%
0 132 226 274 310 342 379 423 459 500 708