Classification performance
| Panel A: firm approval decision | ||
| Predicted | ||
| Actual | Rejected | Approved |
| Rejected | 14,148 | 8,233 |
| Approved | 4,700 | 41,082 |
| Performance metrics | ||
| Overall accuracy | Specificity | Sensitivity |
| 81% | 63% | 90% |
| Panel B: customer acceptance decision | ||
| Predicted | ||
| Actual | Rejected | Accepted |
| Rejected | 10,197 | 9,076 |
| Accepted | 4,644 | 21,865 |
| Performance metrics | ||
| Overall accuracy | Specificity | Sensitivity |
| 70% | 53% | 82% |
| Predicted | ||
| Actual | Rejected | Approved |
| Rejected | 14,148 | 8,233 |
| Approved | 4,700 | 41,082 |
| Performance metrics | ||
| Overall accuracy | Specificity | Sensitivity |
| 81% | 63% | 90% |
| Predicted | ||
| Actual | Rejected | Accepted |
| Rejected | 10,197 | 9,076 |
| Accepted | 4,644 | 21,865 |
| Performance metrics | ||
| Overall accuracy | Specificity | Sensitivity |
| 70% | 53% | 82% |
Note:
Threshold = 0.50