Age distribution by outcome
Percentage within each outcome group.
HISTORICAL DATA ANALYSIS
Model Explainability
Explore historical patterns in applicant age, income and requested credit.
Applicant age
Compare the age profiles of applicants with and without recorded payment difficulties. Each outcome group is scaled separately.
Payment difficulty by age group
Percentage of applicants with TARGET = 1.
Income and credit
Compare reported income and requested credit relative to reported income.
Income distribution
The top 1% of positive income values is excluded for readability.
Credit-to-income ratio
Invalid ratios and ratios above 10 are omitted. The box plot compares the median and spread.
How to interpret these charts
- Age distribution: compares the age profiles of applicants with and without recorded difficulties. Bar heights show each outcome group's own distribution, not their population sizes.
- Age-group rate: shows the percentage with TARGET = 1 in each age group, allowing fairer comparisons between groups of different sizes.
- Income distribution: shows the shape of reported income within each outcome group, excluding the top 1% of positive values.
- Credit-to-income ratio: compares requested credit with reported income. A higher ratio means the requested credit is larger relative to reported income.
These charts describe historical data, not causes of payment difficulties. TARGET = 1 represents recorded payment difficulties in this dataset, not certainty about future default.