December 2010

B

S.E.

Wald

df

Sig.

Exp(B)

Step 1^a

Years

−0.044

0.012

12.859

1

0.000

0.957

Owfac

−0.994

0.171

33.999

1

0.000

0.370

Bank Relationship

No customer

34.825

3

0.000

Deposits & loan

−0.721

0.234

9.489

1

0.002

0.486

deposits

−1.875

0.552

11.538

1

0.001

0.153

loans

0.329

0.176

3.505

1

0.061

1.390

Residence Status

With parents

11.588

2

0.003

homeowner

0.415

0.226

3.381

1

0.066

1.514

rental

0.831

0.248

11.196

1

0.001

2.295

Age

0.006

0.009

0.395

1

0.529

1.006

Adverse

0.904

0.224

16.293

1

0.000

2.470

Property

−0.724

0.168

18.490

1

0.000

0.485

LTT

0.632

0.454

1.935

1

0.164

1.882

Collateral

unsecured

9.278

3

0.026

cash collateral

−0.425

0.421

1.020

1

0.312

0.529

checks

0.036

0.203

0.032

1

0.858

1.037

mortgage

−0.505

0.196

6.647

1

0.010

0.604

Constant

−1.537

0.400

14.728

1

0.000

0.215