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Bank Loan Underwriting Practices: Can Examiners’ Risk Assessments Contribute to Early-Warning Systems?



 
A bar chart that shows percent correct of prediction group 1 of the management rating prediction. In 1997, Specification 1 was 68.8 percent. Specification 2 was 76.3 percent. Specification 3 was 85.9 percent. Specification 4 was 85.6 percent. In 1998, Specification 1 was 69.0 percent. Specification 2 was 69.2 percent. Specification 3 was 87.1 percent. Specification 4 was 87.1 percent. In 2000, Specification 1 was 58.7 percent. Specification 2 was 63.1 percent. Specification 3 was 86.7 percent. Specification 4 was 86.7 percent. In 2001, Specification 1 was 60.4 percent. Specification 2 was 68.0 percent. Specification 3 was 83.9 percent. Specification 4 was 83.8 percent.
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