Bank Client Accreditation and Ranking: A Case Study of Saderat Bank of Iran

Credit risk assessment is one of the most challenging issues in financial analysis especially in the banking sector. One of the ways to reduce this risk is to design a credit rating system for facility recipients. Accreditation is a method of assessing a loan applicant's credit risk that uses past data and statistical techniques to investigate the impact of different features of a loan applicant on the likelihood of default or default on the loan. This research on credit risk management methods using Logistic Regression and Validation methods and real customer ratings of Saderat Bank Supervision Center is performed and characteristics such as age, gender, amount and collateral of facilities are considered as independent variables. This study examines the relationship between the results of this model and the credit status of selected customers. The results show that the variables of age and education have an impact on the status and credit rating of the customers, while the other variables mentioned have a significant relationship with the credit status of the customer.