Commercial Banking Data Analytic.

1. Big Data and Advanced
Analytics in Banking: A
multimillion Rupees Revenue
Opportunity
D A T A
MI NI NG

2. How advance analytics are
redefining banking

3. Exploratory data analysis of loan
customers’ characteristics
• 5000 observations with 14 variables
• What combination of parameters makes a
customer more likely to accept a personal
loan.

4. Personal
Loan
People with high credit
card spending and
income take Loan

5. Person with
low income
and Credit Card
spending does
not take loan

6. Among Loan takersPeople with 2
family member
have highest
income
People with 4
family member
have lowest
income

7. People with 1 family
member has lowest
CC spending
People with 3
family member has
highest CC
spending
Effect of CC spending and Family size on Loan
Among loan takers

8. Personal
Loan

9. Personal
LoanOnline Banking

10. Personal
Loan
Online Banking

11. CreditCardSpending Education Level
Income

18. Reference
• Kalender, Burcu: Analysis of loan customers’
characteristics, Data Mining Project, 2008
Prepared by: yashrajlamsal@gmail.com