Validacion BSC CVS & Resilientes

1 Legal Disclaimer

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2 Data: Cargamos cosechas con las fechas seleccionadas

Base Insumo: Aperturas T1 2019 BSC Aperturas de BSC entre 201901 y 2901903.

Generar tabla de validacion y resultados en tres puntos:

1. Desempeno CV Score Aperturas T1 2019 BSC.
2. Desempeno CV Score Mantenimiento 202010.
3. Desempeno Resilientes Mantenimiento 202010.

3 BadRate

1. Aperturas 90+@12 meses: Calculo del desempeno en los primeros 12 meses de comportamiento. Los clientes malos son aquellos que alcanzan mora 90+
2. Mantenimiento a 202010 90+@6 meses: Calculo del desempeno a 6 meses de comportamiento desde 202010. Los clientes malos son aquellos que alcanzan mora 90+. Se eliminan malos evidentes (60+).

3.1 Aperturas 90+@12 meses

## [1] 14503     4

##         
##          COMERCIAL CONSUMO HIPOTECARIO  TDC VEHICULO
##   201901        11    1058          17 2976       67
##   201902        16    1237          10 3656       72
##   201903        37    1341          25 3898       82

## cosechasBSC_1$PTO 
##             Frequency  Percent
## COMERCIAL          64   0.4413
## CONSUMO          3636  25.0707
## HIPOTECARIO        52   0.3585
## TDC             10530  72.6057
## VEHICULO          221   1.5238
## Total           14503 100.0000

## cosechasBSC_1$contador12 
##       Frequency  Percent
## 0            84   0.5792
## 1           124   0.8550
## 2           145   0.9998
## 3           215   1.4825
## 4           229   1.5790
## 5           276   1.9031
## 6           251   1.7307
## 7           266   1.8341
## 8           252   1.7376
## 9           238   1.6410
## 10          297   2.0479
## 11          555   3.8268
## 12        11571  79.7835
## Total     14503 100.0000

## cosechasBSC_1$mmax12 
##       Frequency  Percent
## -Inf         84   0.5792
## 0         11107  76.5842
## 1          2410  16.6173
## 2           371   2.5581
## 3           153   1.0550
## 4            76   0.5240
## 5            73   0.5033
## 6            54   0.3723
## 7           175   1.2066
## Total     14503 100.0000

## cosechasBSC_1$BGI_12M 
##       Frequency Percent
## 0           531   3.661
## 1         11191  77.163
## 2          2781  19.175
## Total     14503 100.000

##              
##                  0    1    2
##   COMERCIAL      5   39   20
##   CONSUMO      113 2567  956
##   HIPOTECARIO    2   31   19
##   TDC          410 8410 1710
##   VEHICULO       1  144   76

3.2 Mantenimiento a 202010 90+@6 meses

## [1] 13517     4

##         
##          COMERCIAL CONSUMO HIPOTECARIO  TDC VEHICULO
##   201901        10     990          16 2788       65
##   201902        13    1171           8 3393       66
##   201903        31    1235          24 3627       80

## cosechasBSC_mant_1$PTO 
##             Frequency  Percent
## COMERCIAL          54   0.3995
## CONSUMO          3396  25.1239
## HIPOTECARIO        48   0.3551
## TDC              9808  72.5605
## VEHICULO          211   1.5610
## Total           13517 100.0000

## cosechasBSC_mant_1$contador6 
##       Frequency Percent
## 0          4101  30.340
## 1           192   1.420
## 2           183   1.354
## 3           185   1.369
## 4           215   1.591
## 5           192   1.420
## 6          8449  62.506
## Total     13517 100.000

## cosechasBSC_mant_1$mmax6 
##       Frequency  Percent
## -Inf       4101  30.3396
## 0          6430  47.5697
## 1          1921  14.2117
## 2           367   2.7151
## 3           172   1.2725
## 4            99   0.7324
## 5            79   0.5844
## 6            52   0.3847
## 7           296   2.1898
## Total     13517 100.0000

## cosechasBSC_mant_1$BGI_6M 
##       Frequency Percent
## 0           698   5.164
## 1         10531  77.909
## 2          2288  16.927
## Total     13517 100.000

##              
##                  0    1    2
##   COMERCIAL      0   41   13
##   CONSUMO      152 2734  510
##   HIPOTECARIO    1   28   19
##   TDC          534 7593 1681
##   VEHICULO      11  135   65

3.3 Tablas de Validacion

3.3.1 Total

3.3.2 Tarjetas

3.3.3 Prestamos