December 2011

B

S.E.

Wald

df

Sig.

Exp(B)

Step 1^a

Years

−0.010

0.008

1.575

1

0.209

0.990

Owfac

−0.319

0.116

7.589

1

0.006

0.727

Bank

Relationship

no customer

21.043

3

0.000

deploan

−0.076

0.158

0.229

1

0.633

0.927

deposits

−0.518

0.274

3.581

1

0.058

0.596

loans

0.388

0.137

8.006

1

0.005

1.475

Residence Status

with parents

13.242

2

0.001

homeowner

−0.091

0.162

0.314

1

0.575

0.913

rental

0.448

0.188

5.712

1

0.017

1.566

Age

0.009

0.007

1.732

1

0.188

1.009

Adverse

0.464

0.180

6.622

1

0.010

1.590

Collateral

unsecured

7.586

3

0.055

cash collateral

−0.478

0.330

2.100

1

0.147

0.620

checks

−0.415

0.168

6.097

1

0.014

0.661

mortgage

−0.063

0.130

0.234

1

0.629

0.939

Property

−0.752

0.128

34.539

1

0.000

0.471

LTT

0.158

0.434

0.133

1

0.715

1.854

Constant

−1.109

0.304

13.281

1

0.000

0.330