Credit Card Analysis of Czech Bank

ITCS6265 : Fall Semester of 2002
Instructor: Dr. Mirsad Hadzikadic

UNC-Charlotte  |  College of IT  |  Dr. Mirsad Hadzikadic  |  ITCS6265   


Site Index   Domain
· Goal
· Domain
· Accounts
· Clients
· Disposition
· Loans
· Permanent Orders
· Transactions
· Demographics
· Credit Cards
· Pre-Processing
· Methodology
· Results
· Next Steps
· References
· Authors

Domain Description
This database was prepared by Petr Berka and Marta Sochorova.
We will refer to the dataset as The Berka Dataset throughout this report.

The Berka dataset is a collection of financial information from a Czech bank. The dataset deals with over 5,300 bank clients with approximately 1,000,000 transactions. Additionally, the bank represented in the dataset has extended close to 700 loans and issued nearly 900 credit cards, all of which are represented in the data.

Data Description
Entity-Relationship Description
domain
  • Each account has both static characteristics (e.g. date of creation, address of the branch) given in relation "account" and dynamic characteristics (e.g. payments debited or credited, balances) given in relations "permanent order" and "transaction".
  • Relation "client" describes characteristics of persons who can manipulate with the accounts.
  • One client can have more accounts, more clients can manipulate with single account; clients and accounts are related together in relation "disposition".
  • Relations "loan" and "credit card" describe some services which the bank offers to its clients;
  • More than one credit card can be issued to an account,
  • At most one loan can be granted for an account.
  • Relation "demographic data" gives some publicly available information about the districts (e.g. the unemployment rate); additional information about the clients can be deduced from this.

Table Descriptions

ACCOUNTS
Each record describes static characteristics of an account
Size: 4500 objects in the file
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CLIENTS
Each record describes characteristics of a client
Size : 5369 objects in the file
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DISPOSITON (DISP)
Each record relates together a client with an account i.e. this relation describes the rights of clients to operate accounts
Size: 5369 objects in the file
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PERMANENT ORDERS, Debits only (ORDER)
Each record describes characteristics of a payment order
Size : 6471 objects in the file
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TRANSACTIONS (TRANS)
Each record describes one transaction on an account
Size: 1056320 objects in the file
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LOANS
Each record describes a loan granted for a given account
Size: 682 objects in the file
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CREDIT CARDS (CARD)
Each record describes a credit card issued to an account
Size : 892 objects in the file
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DEMOGRAPHIC DATA (DISTRICT)
Each record describes demographic characteristics of a district
Size: 77 objects in the file
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