Log For LGD - Bireysel

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The SAS System

10:24 Tuesday, December 9, 2014
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;*';*";*/;quit;run;
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OPTIONS PAGENO=MIN;
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%LET _CLIENTTASKLABEL='LGD_Bireysel';
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%LET _CLIENTPROJECTPATH='';
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%LET _CLIENTPROJECTNAME='';
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%LET _SASPROGRAMFILE=;
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ODS _ALL_ CLOSE;
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OPTIONS DEV=ACTIVEX;
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GOPTIONS XPIXELS=0 YPIXELS=0;
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FILENAME EGSR TEMP;
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ODS tagsets.sasreport13(ID=EGSR) FILE=EGSR STYLE=HtmlBlue
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! STYLESHEET=(URL="file:///C:/Program%20Files/SASHome/SASEnterpriseGuid
e/5.1/Styles/HtmlBlue.css") NOGTITLE NOGFOOTNOTE
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! GPATH=&sasworklocation ENCODING=UTF8 options(rolap="on");
NOTE: Writing TAGSETS.SASREPORT13(EGSR) Body file: EGSR
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GOPTIONS ACCESSIBLE;
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LIBNAME ORCLPIRB ORACLE PATH=PDWH_SAS SCHEMA=PIRB USER=PSASUSR6
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PASSWORD=XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX ;
NOTE: Libref ORCLPIRB was successfully assigned as follows:
Engine:
ORACLE
Physical Name: PDWH_SAS
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/*IHTIYAC MODELI*/
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proc sql;
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connect to oracle (user='PSASUSR6'
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password=XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX path='PDWH_SAS');
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select distinct (datepart(TARIH)) FORMAT=DATE9. into :ay
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from ORCLPIRB.RYB_PARAMETRE;
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quit;
NOTE: PROCEDURE SQL used (Total process time):
real time
0.14 seconds
cpu time
0.01 seconds
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%put &ay;
31OCT2014
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%macro ihtiyac (ay);
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proc sql;
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password='{SAS002}0D36CB1B5A51291A50366D6C24DF9D88' path='PDWH_SAS');
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create table WORK.BIREYSEL_IHTIYAC as
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select * from connection to oracle
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(
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select a.TARIH, a.KREDI_HESAP_ID, a.KREDI_HESAP_NO, nvl(NAKIT_TEMINAT
_TUTARI, 0)
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as NAKIT_TEMINAT_TUTARI, BAKIYE * DOVIZ_ALIS as BAKIYE_TL,
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case when b.HESAP_ACILIS_SUBE_ALT_KANAL_ID = 999 then 34 else c.SUBE
_ADRES_IL_KODU end
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as IL_KODU, case when (&ay - MUSTERI_KAYIT_TARIHI) < 0 then 0 else (
&ay - MUSTERI_KAYIT_TARIHI)
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end as MUSTERIYLE_CALISMA_SURESI, round(a.BAKIYE/e.ACILIS_BAKIYESI,2
)
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as TAKIP_ACILIS_BAKIYESI_ORAN, e.TOPLAM_GECIKME_TAKSIT_SAYISI from P
IRB.RSK_TKONSOLIDE_KREDI a,
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PIRB.RSK_TKUR k, PDWH.DWH_THESAP b
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left outer join PDWH.DWH_TKANAL_SUBE c on b.HESAP_ACILIS_SUBE_ALT_KAN
AL_ID = c.ALT_KANAL_ID
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left outer join PDWH.DWH_TTARAF d on b.HESAP_ANA_SAHIBI_TARAF_ID = d.
TARAF_ID
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left outer join (
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select TARIH, MBB_NO, ANLASMA_ID, sum(NAKIT_TEMINAT_TUTARI) as NAKIT_
TEMINAT_TUTARI from
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(
2
The SAS System
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select a.TARIH, a.MBB_NO, a.TEMINAT_NO, a.ANLASMA_ID, TEMINAT_TUTARI
* DOVIZ_ALIS as
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NAKIT_TEMINAT_TUTARI from PIRB.RSK_TKONSOLIDE_TEMINAT a left outer jo
in PIRB.RSK_TKUR b
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on a.TEMINAT_DOVIZ_KODU = b.DOVIZ_KODU and a.TARIH = b.TARIH
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where a.TARIH = &ay
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and a.PROJE_KODU = 'TMB'
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and a.KAYNAK = 'AK'
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and (BASEL_UYGUNLUK_FLAG = 1 or IRB_FND_UYGUNLUK_FLAG = 1 or IRB_ADV_
UYGUNLUK_FLAG = 1)
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and TEMINAT_TURU = 'Nakit'
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)
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group by TARIH, MBB_NO, ANLASMA_ID) tem on b.ANLASMA_ID = tem.ANLASMA
_ID,
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PDWH.DWH_THSP_TUKETICI_KREDI e
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where a.KREDI_HESAP_ID = b.HESAP_ID
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and b.HESAP_ID = e.HESAP_ID
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and a.DOVIZ_KODU = k.DOVIZ_KODU
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and a.TARIH = k.TARIH
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and a.TARIH = &ay
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and a.PROJE_KODU = 'TUK'
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and IPOTEK_KREDI_TIPI = '6'
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);
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disconnect from oracle;
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quit;
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%mend ihtiyac;
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%ihtiyac (TO_DATE(%str(%')&ay%str(%'),'DD/MM/YYYY'));
NOTE: Table WORK.BIREYSEL_IHTIYAC created, with 1374130 rows and 9 columns.
real time
44.67 seconds
cpu time
3.04 seconds
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DATA WORK.BIREYSEL_IHTIYAC_TUM_DEGSKNLR;
SET WORK.BIREYSEL_IHTIYAC;
*------------------------------------------------------------*;
* EM SCORE CODE;
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* EM Version: 7.1;
* SAS Release: 9.03.01M1P110911;
* Host: sasskr1;
* Encoding: latin5;
* Locale: en_US;
* Project Path: /data01/EM_Projects;
* Project Name: LGD_Model;
* Diagram Id: EMWS8;
* Diagram Name: LGD_IHTIYAC;
* Generated by: 50519;
* Date: 20SEP2013:10:52:10;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TOOL: Input Data Source;
* TYPE: SAMPLE;
The SAS System
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* NODE: Ids4;
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*------------------------------------------------------------*;
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*------------------------------------------------------------*;
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* TOOL: Metadata Node;
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* TYPE: UTILITY;
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* NODE: Meta12;
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*------------------------------------------------------------*;
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*------------------------------------------------------------*;
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* TOOL: Extension Class;
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* TYPE: CREDSCORE;
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* NODE: IGN7;
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*------------------------------------------------------------*;
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length _UFormat $200;
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drop _UFormat;
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_UFormat='';
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*------------------------------------------------------------*;
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* Variable: HESAP_ACIK_KALMASI_GEREKEN_SURE;
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*------------------------------------------------------------*;
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LABEL PROJE_KODU ="PROJE_KODU";
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PROJE_KODU = 'TUK';
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LABEL URUN_TIPI = "URUN_TIPI";
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URUN_TIPI = '73';
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LABEL GRP_HESAP_ACIK_KALMASI_GEREKEN_S = "Grouped: HESAP_ACIK_KALMASI
_GEREKEN_SURE";
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LABEL WOE_HESAP_ACIK_KALMASI_GEREKEN_S = "Weight of Evidence: HESAP_A
CIK_KALMASI_GEREKEN_SURE";
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if MISSING(HESAP_ACIK_KALMASI_GEREKEN_SURE) then do;
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GRP_HESAP_ACIK_KALMASI_GEREKEN_S = 5;
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WOE_HESAP_ACIK_KALMASI_GEREKEN_S = -1.443113828;
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end;
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else if NOT MISSING(HESAP_ACIK_KALMASI_GEREKEN_SURE) then do;
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if HESAP_ACIK_KALMASI_GEREKEN_SURE < 731 then do;
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end;
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else
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if 731 <= HESAP_ACIK_KALMASI_GEREKEN_SURE AND HESAP_ACIK_KALMASI_GERE
KEN_SURE < 1095 then do;
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EKEN_SURE
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WOE_HESAP_ACIK_KALMASI_GEREKEN_S = 0.2281503277;
end;
else
if 1095 <= HESAP_ACIK_KALMASI_GEREKEN_SURE AND HESAP_ACIK_KALMASI_GER
< 1096 then do;
end;
else
if 1096 <= HESAP_ACIK_KALMASI_GEREKEN_SURE then do;
end;
end;
*------------------------------------------------------------*;
* Variable: HESAP_ACIK_SURE;
*------------------------------------------------------------*;
LABEL GRP_HESAP_ACIK_SURE = "Grouped: HESAP_ACIK_SURE";
The SAS System
LABEL WOE_HESAP_ACIK_SURE = "Weight of Evidence: HESAP_ACIK_SURE";
if MISSING(HESAP_ACIK_SURE) then do;
GRP_HESAP_ACIK_SURE = 1;
WOE_HESAP_ACIK_SURE = -0.565852938;
end;
else if NOT MISSING(HESAP_ACIK_SURE) then do;
if HESAP_ACIK_SURE < 284 then do;
end;
else
if 284 <= HESAP_ACIK_SURE AND HESAP_ACIK_SURE < 391 then do;
end;
else
WOE_HESAP_ACIK_SURE = 0.0938492165;
end;
else
end;
else
if 768 <= HESAP_ACIK_SURE then do;
end;
end;
*------------------------------------------------------------*;
* Variable: HESAP_ACIK_SURE_ORAN;
*------------------------------------------------------------*;
LABEL GRP_HESAP_ACIK_SURE_ORAN = "Grouped: HESAP_ACIK_SURE_ORAN";
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_ORAN";
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do;
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do;
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LABEL WOE_HESAP_ACIK_SURE_ORAN = "Weight of Evidence: HESAP_ACIK_SURE

if MISSING(HESAP_ACIK_SURE_ORAN) then do;
GRP_HESAP_ACIK_SURE_ORAN = 5;
WOE_HESAP_ACIK_SURE_ORAN = -1.443113828;
end;
else if NOT MISSING(HESAP_ACIK_SURE_ORAN) then do;
if HESAP_ACIK_SURE_ORAN < 0.28 then do;
end;
else
if 0.28 <= HESAP_ACIK_SURE_ORAN AND HESAP_ACIK_SURE_ORAN < 0.58 then
end;
else
WOE_HESAP_ACIK_SURE_ORAN = 0.2277499814;
end;
The SAS System
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else
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if 0.85 <= HESAP_ACIK_SURE_ORAN then do;
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end;
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end;
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*------------------------------------------------------------*;
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* Variable: MUSTERIYLE_CALISMA_SURESI;
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*------------------------------------------------------------*;
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LABEL GRP_MUSTERIYLE_CALISMA_SURESI = "Grouped: MUSTERIYLE_CALISMA_SU
RESI";
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LABEL WOE_MUSTERIYLE_CALISMA_SURESI = "Weight of Evidence: MUSTERIYLE
_CALISMA_SURESI";
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if MISSING(MUSTERIYLE_CALISMA_SURESI) then do;
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GRP_MUSTERIYLE_CALISMA_SURESI = 1;
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WOE_MUSTERIYLE_CALISMA_SURESI = -0.860231319;
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end;
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else if NOT MISSING(MUSTERIYLE_CALISMA_SURESI) then do;
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if MUSTERIYLE_CALISMA_SURESI < 322 then do;
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end;
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else
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if 322 <= MUSTERIYLE_CALISMA_SURESI AND MUSTERIYLE_CALISMA_SURESI < 4
60 then do;
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end;
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else
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if 460 <= MUSTERIYLE_CALISMA_SURESI then do;
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AYISI";
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WOE_MUSTERIYLE_CALISMA_SURESI = 0.1342421761;
end;
end;
*------------------------------------------------------------*;
* Variable: ODENEN_TAKSIT_SAYISI;
*------------------------------------------------------------*;
LABEL GRP_ODENEN_TAKSIT_SAYISI = "Grouped: ODENEN_TAKSIT_SAYISI";
LABEL WOE_ODENEN_TAKSIT_SAYISI = "Weight of Evidence: ODENEN_TAKSIT_S
if MISSING(ODENEN_TAKSIT_SAYISI) then do;
GRP_ODENEN_TAKSIT_SAYISI = 2;
WOE_ODENEN_TAKSIT_SAYISI = -0.388940902;
end;
else if NOT MISSING(ODENEN_TAKSIT_SAYISI) then do;
if ODENEN_TAKSIT_SAYISI < 2 then do;
end;
else
if 2 <= ODENEN_TAKSIT_SAYISI AND ODENEN_TAKSIT_SAYISI < 8 then do;
end;
else
WOE_ODENEN_TAKSIT_SAYISI = 0.0545646208;
The SAS System
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end;
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else
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end;
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else
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if 19 <= ODENEN_TAKSIT_SAYISI then do;
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end;
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end;
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*------------------------------------------------------------*;
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* Variable: TAKIP_ACILIS_BAKIYESI_ORAN;
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*------------------------------------------------------------*;
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LABEL GRP_TAKIP_ACILIS_BAKIYESI_ORAN = "Grouped: TAKIP_ACILIS_BAKIYES
I_ORAN";
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LABEL WOE_TAKIP_ACILIS_BAKIYESI_ORAN = "Weight of Evidence: TAKIP_ACI
LIS_BAKIYESI_ORAN";
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if MISSING(TAKIP_ACILIS_BAKIYESI_ORAN) then do;
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GRP_TAKIP_ACILIS_BAKIYESI_ORAN = 4;
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WOE_TAKIP_ACILIS_BAKIYESI_ORAN = -0.75338577;
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end;
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else if NOT MISSING(TAKIP_ACILIS_BAKIYESI_ORAN) then do;
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if TAKIP_ACILIS_BAKIYESI_ORAN < 0.51 then do;
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WOE_TAKIP_ACILIS_BAKIYESI_ORAN = 0.7348974611;
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end;
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else
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if 0.51 <= TAKIP_ACILIS_BAKIYESI_ORAN AND TAKIP_ACILIS_BAKIYESI_ORAN
< 0.7 then do;
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end;
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else
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if 0.7 <= TAKIP_ACILIS_BAKIYESI_ORAN AND TAKIP_ACILIS_BAKIYESI_ORAN <
0.85 then do;
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end;
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else
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if 0.85 <= TAKIP_ACILIS_BAKIYESI_ORAN then do;
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end;
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end;
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*------------------------------------------------------------*;
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* Variable: TOPLAM_GECIKME_TAKSIT_SAYISI;
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*------------------------------------------------------------*;
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LABEL GRP_TOPLAM_GECIKME_TAKSIT_SAYISI = "Grouped: TOPLAM_GECIKME_TAK
SIT_SAYISI";
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LABEL WOE_TOPLAM_GECIKME_TAKSIT_SAYISI = "Weight of Evidence: TOPLAM_
GECIKME_TAKSIT_SAYISI";
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if MISSING(TOPLAM_GECIKME_TAKSIT_SAYISI) then do;
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GRP_TOPLAM_GECIKME_TAKSIT_SAYISI = 1;
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WOE_TOPLAM_GECIKME_TAKSIT_SAYISI = -0.689601468;
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end;
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else if NOT MISSING(TOPLAM_GECIKME_TAKSIT_SAYISI) then do;
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if TOPLAM_GECIKME_TAKSIT_SAYISI < 5 then do;
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The SAS System
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end;
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else
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if 5 <= TOPLAM_GECIKME_TAKSIT_SAYISI AND TOPLAM_GECIKME_TAKSIT_SAYISI
< 9 then do;
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end;
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else
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< 17 then do;
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WOE_TOPLAM_GECIKME_TAKSIT_SAYISI = 0.3484393492;
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end;
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else
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if 17 <= TOPLAM_GECIKME_TAKSIT_SAYISI then do;
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end;
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end;
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*------------------------------------------------------------*;
* Variable: VADE_SURESI;
*------------------------------------------------------------*;
LABEL GRP_VADE_SURESI = "Grouped: VADE_SURESI";
LABEL WOE_VADE_SURESI = "Weight of Evidence: VADE_SURESI";
if MISSING(VADE_SURESI) then do;
GRP_VADE_SURESI = 3;
WOE_VADE_SURESI = 0.0398910909;
end;
else if NOT MISSING(VADE_SURESI) then do;
if VADE_SURESI < 18 then do;
end;
else
if 18 <= VADE_SURESI AND VADE_SURESI < 24 then do;
end;
else
end;
else
if 36 <= VADE_SURESI then do;
WOE_VADE_SURESI = -0.153035067;
end;
end;
*------------------------------------------------------------*;
* Variable: YAS;
*------------------------------------------------------------*;
LABEL GRP_YAS = "Grouped: YAS";
LABEL WOE_YAS = "Weight of Evidence: YAS";
if MISSING(YAS) then do;
The SAS System
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GRP_YAS = 4;
WOE_YAS = -0.054713445;
end;
else if NOT MISSING(YAS) then do;
if YAS < 30 then do;
GRP_YAS = 1;
WOE_YAS = 0.2193582141;
end;
else
if 30 <= YAS AND YAS < 35 then do;
GRP_YAS = 2;
WOE_YAS = -0.004025344;
end;
else
GRP_YAS = 3;
WOE_YAS = -0.182443606;
end;
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else
if 42 <= YAS then do;
GRP_YAS = 4;
WOE_YAS = -0.054713445;
end;
end;
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* Variable: BOLGE_KODU;
*------------------------------------------------------------*;
LABEL GRP_BOLGE_KODU = "Grouped: BOLGE_KODU";
LABEL WOE_BOLGE_KODU = "Weight of Evidence: BOLGE_KODU";
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%dmnormip(_UFormat);
if MISSING(_UFORMAT) then do;
GRP_BOLGE_KODU = 1;
WOE_BOLGE_KODU = -0.243858014;
end;
else if NOT MISSING(_UFORMAT) then do;
*------------------------------------------------------------*;
* Variable: YAS_ORJ_KREDI;
*------------------------------------------------------------*;
LABEL GRP_YAS_ORJ_KREDI = "Grouped: YAS_ORJ_KREDI";
LABEL WOE_YAS_ORJ_KREDI = "Weight of Evidence: YAS_ORJ_KREDI";
if MISSING(YAS_ORJ_KREDI) then do;
GRP_YAS_ORJ_KREDI = 5;
WOE_YAS_ORJ_KREDI = -1.374120957;
end;
else if NOT MISSING(YAS_ORJ_KREDI) then do;
if YAS_ORJ_KREDI < 32 then do;
WOE_YAS_ORJ_KREDI = 0.1522830374;
end;
else
if 32 <= YAS_ORJ_KREDI AND YAS_ORJ_KREDI < 34 then do;
end;
else
end;
else
if 44 <= YAS_ORJ_KREDI then do;
end;
end;
*------------------------------------------------------------*;
The SAS System
_UFormat = put(BOLGE_KODU,$CHAR4.0);
________
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WARNING: Variable BOLGE_KODU has already been defined as numeric.
NOTE 484-185: Format CHAR was not found or could not be loaded.
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_UFORMAT
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_UFORMAT
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_UFORMAT
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_UFORMAT
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if (_UFORMAT eq '7000' OR _UFORMAT

eq '7030'
OR _UFORMAT eq '7060' OR _UFORMAT
eq '7160'
) then do;
GRP_BOLGE_KODU = 1;
end;
else
eq '7250'
) then do;
GRP_BOLGE_KODU = 2;
end;
else
) then do;
GRP_BOLGE_KODU = 3;
WOE_BOLGE_KODU = 0.0844038066;
end;
else
eq '7210'
) then do;
GRP_BOLGE_KODU = 4;
end;
else
) then do;
GRP_BOLGE_KODU = 5;
end;
else do;
GRP_BOLGE_KODU = 1;
end;
end;
eq '7010' OR _UFORMAT eq '7020' OR

eq '7190' OR _UFORMAT eq '7230'

eq '7240'
*------------------------------------------------------------*;
* Variable: IL_KODU;
*------------------------------------------------------------*;
LABEL GRP_IL_KODU = "Grouped: IL_KODU";
The SAS System
WARNING: Variable IL_KODU has already been defined as numeric.

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LABEL WOE_IL_KODU = "Weight of Evidence: IL_KODU";
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_UFormat = put(IL_KODU,$CHAR2.0);
________
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GRP_IL_KODU = 1;
WOE_IL_KODU = -0.425571318;
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end;
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if (_UFORMAT eq '1' OR _UFORMAT eq '27' OR _UFORMAT eq '58'
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) then do;
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GRP_IL_KODU = 1;
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WOE_IL_KODU = -0.425571318;
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end;
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else
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if (_UFORMAT eq '2' OR _UFORMAT eq '21' OR _UFORMAT eq '33' OR _UFORM
AT eq '34' OR _UFORMAT
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eq '35' OR _UFORMAT eq '46' OR _UFORMAT eq '55' OR _UFORMAT eq '7' OR
_UFORMAT eq '77'
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) then do;
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GRP_IL_KODU = 2;
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WOE_IL_KODU = -0.170254957;
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end;
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else
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if (_UFORMAT eq '80'
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) then do;
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GRP_IL_KODU = 2;
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WOE_IL_KODU = -0.170254957;
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end;
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else
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if (_UFORMAT eq '16' OR _UFORMAT eq '23' OR _UFORMAT eq '26' OR _UFOR
MAT eq '31' OR _UFORMAT eq
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'32' OR _UFORMAT eq '36' OR _UFORMAT eq '38' OR _UFORMAT eq '40' OR
_UFORMAT eq '41'
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) then do;
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GRP_IL_KODU = 3;
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WOE_IL_KODU = 0.0494518022;
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end;
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else
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'52' OR _UFORMAT eq '54' OR _UFORMAT eq '6' OR _UFORMAT eq '63' OR _U
FORMAT eq '64'
536
) then do;
537
GRP_IL_KODU = 3;
538
WOE_IL_KODU = 0.0494518022;
539
end;
540
else
541
if (_UFORMAT eq '8' OR _UFORMAT eq '9'
542
) then do;
543
GRP_IL_KODU = 3;
544
WOE_IL_KODU = 0.0494518022;
545
end;
546
else
547
MAT eq '14' OR _UFORMAT eq '15'
548
OR _UFORMAT eq '17' OR _UFORMAT eq '18' OR _UFORMAT eq '19' OR _UFOR
MAT eq '20'
549
) then do;
550
GRP_IL_KODU = 4;
551
WOE_IL_KODU = 0.5554518864;
11
The SAS System
552
553
554
end;
else

555
OR _UFORMAT eq '37' OR _UFORMAT eq '39' OR _UFORMAT eq '4' OR _UFORMA
T eq '43'
556
) then do;
557
GRP_IL_KODU = 4;
558
WOE_IL_KODU = 0.5554518864;
559
end;
560
else
561
AT eq '50' OR _UFORMAT eq '51'
562
MAT eq '59'
563
) then do;
564
GRP_IL_KODU = 4;
565
WOE_IL_KODU = 0.5554518864;
566
end;
567
else
568
569
MAT eq '71'
570
) then do;
571
GRP_IL_KODU = 4;
572
WOE_IL_KODU = 0.5554518864;
573
end;
574
else
575
576
OR _UFORMAT eq '78' OR _UFORMAT eq '81'
577
) then do;
578
GRP_IL_KODU = 4;
579
WOE_IL_KODU = 0.5554518864;
580
end;
581
else do;
582
GRP_IL_KODU = 1;
583
WOE_IL_KODU = -0.425571318;
584
end;
585
end;
586
587
*------------------------------------------------------------*;
588
* Variable: SEHIR;
589
*------------------------------------------------------------*;
590
LABEL GRP_SEHIR = "Grouped: SEHIR";
WARNING: Variable SEHIR has already been defined as numeric.
591
LABEL WOE_SEHIR = "Weight of Evidence: SEHIR";
592
593
_UFormat = put(SEHIR,$CHAR14.0);
_________
484
594
595
596
597
598
599
600
VAS'
601
GRP_SEHIR = 2;
WOE_SEHIR = -0.170254957;
end;
if (_UFORMAT eq 'ADANA' OR _UFORMAT eq 'GAZIANTEP' OR _UFORMAT eq 'SI
) then do;
602
603
604
12
GRP_SEHIR = 1;
WOE_SEHIR = -0.425571318;
end;
The SAS System
605
else
606
if (_UFORMAT eq 'ADIYAMAN' OR _UFORMAT eq 'ANTALYA' OR _UFORMAT eq 'D
IYARBAKIR' OR _UFORMAT eq
607
'KAHRAMANMARAS' OR _UFORMAT eq 'OSMANIYE' OR _UFORMAT eq 'SAMSUN' OR
_UFORMAT eq 'YALOVA'
608
) then do;
609
GRP_SEHIR = 2;
610
WOE_SEHIR = -0.170254957;
611
end;
612
else
613
if (_UFORMAT eq 'ISTANBUL' OR _UFORMAT eq 'IZMIR' OR _UFORMAT eq 'IEL'
614
) then do;
615
GRP_SEHIR = 2;
616
WOE_SEHIR = -0.170254957;
617
end;
618
else
619
if (_UFORMAT eq 'ANKARA' OR _UFORMAT eq 'ARTVIN' OR _UFORMAT eq 'AYDI
N' OR _UFORMAT eq 'BURSA'
620
OR _UFORMAT eq 'ELAZIG' OR _UFORMAT eq 'ESKISEHIR' OR _UFORMAT eq 'H
ATAY' OR _UFORMAT eq 'ISPARTA'
621
) then do;
622
GRP_SEHIR = 3;
623
WOE_SEHIR = 0.0494518022;
624
end;
625
else
626
if (_UFORMAT eq 'KARS' OR _UFORMAT eq 'KAYSERI' OR _UFORMAT eq 'KIRSE
HIR' OR _UFORMAT eq 'KOCAELI'
627
OR _UFORMAT eq 'KONYA' OR _UFORMAT eq 'MALATYA' OR _UFORMAT eq 'MANI
SA' OR _UFORMAT eq 'MUGLA'
628
) then do;
629
GRP_SEHIR = 3;
630
WOE_SEHIR = 0.0494518022;
631
end;
632
else
633
if (_UFORMAT eq 'ORDU' OR _UFORMAT eq 'SAKARYA' OR _UFORMAT eq 'USAK'
OR _UFORMAT eq 'SANLIURFA'
634
) then do;
635
GRP_SEHIR = 3;
636
WOE_SEHIR = 0.0494518022;
637
end;
638
else
639
if (_UFORMAT eq 'AFYONKARAHISAR' OR _UFORMAT eq 'AKSARAY' OR _UFORMAT
eq 'AMASYA' OR _UFORMAT eq
640
'BALIKESIR' OR _UFORMAT eq 'BARTIN' OR _UFORMAT eq 'BATMAN' OR _UFORM
AT eq 'BAYBURT'
641
) then do;
642
GRP_SEHIR = 4;
643
WOE_SEHIR = 0.4402443885;
644
end;
645
else
646
if (_UFORMAT eq 'BOLU' OR _UFORMAT eq 'BURDUR' OR _UFORMAT eq 'DENIZL
I' OR _UFORMAT eq 'DZCE'
647
OR _UFORMAT eq 'IGDIR' OR _UFORMAT eq 'KARABK' OR _UFORMAT eq 'KIRIKKA
LE'
648
) then do;
649
GRP_SEHIR = 4;
650
WOE_SEHIR = 0.4402443885;
651
end;
652
else
653
if (_UFORMAT eq 'KIRKLARELI' OR _UFORMAT eq 'KTAHYA' OR _UFORMAT eq 'M
ARDIN' OR _UFORMAT eq 'MUS'
654
OR _UFORMAT eq 'SIIRT' OR _UFORMAT eq 'TEKIRDAG' OR _UFORMAT eq 'TRAB
ZON'
655
) then do;
656
GRP_SEHIR = 4;
657
WOE_SEHIR = 0.4402443885;
658
end;
659
else
660
if (_UFORMAT eq 'ZONGULDAK' OR _UFORMAT eq 'ANKIRI' OR _UFORMAT eq 'ORU
M'
661
) then do;
662
GRP_SEHIR = 4;
13
The SAS System
663
WOE_SEHIR = 0.4402443885;
664
end;
665
else
666
if (_UFORMAT eq 'ARDAHAN' OR _UFORMAT eq 'AGRI' OR _UFORMAT eq 'BILEC
IK' OR _UFORMAT eq 'BINGL'
667
OR _UFORMAT eq 'EDIRNE' OR _UFORMAT eq 'ERZINCAN' OR _UFORMAT eq 'ERZ
URUM'
668
) then do;
669
GRP_SEHIR = 5;
670
WOE_SEHIR = 0.8333365302;
671
end;
672
else
673
if (_UFORMAT eq 'GIRESUN' OR _UFORMAT eq 'KARAMAN' OR _UFORMAT eq 'KA
STAMONU' OR _UFORMAT eq 'NEVSEHIR'
674
OR _UFORMAT eq 'NIGDE' OR _UFORMAT eq 'RIZE' OR _UFORMAT eq 'SINOP'
OR _UFORMAT eq 'TOKAT'
675
) then do;
676
GRP_SEHIR = 5;
677
WOE_SEHIR = 0.8333365302;
678
end;
679
else
680
if (_UFORMAT eq 'VAN' OR _UFORMAT eq 'YOZGAT' OR _UFORMAT eq 'ANAKKALE
' OR _UFORMAT eq 'SIRNAK'
681
) then do;
682
GRP_SEHIR = 5;
683
WOE_SEHIR = 0.8333365302;
684
end;
685
else do;
686
GRP_SEHIR = 2;
687
WOE_SEHIR = -0.170254957;
688
end;
689
end;
690
691
*------------------------------------------------------------*;
692
* Special Code Values
693
*------------------------------------------------------------*;
694
*------------------------------------------------------------*;
695
696
* TYPE: UTILITY;
697
698
699
700
701
702
703
704
705
706
707
708
709
710
711
712
713
714
715
716
717
718
719
720
14
* NODE: Meta14;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TOOL: Partition Class;
* TYPE: SAMPLE;
* NODE: Part6;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TOOL: Regression;
* TYPE: MODEL;
* NODE: Reg6;
*------------------------------------------------------------*;
*************************************;
*** begin scoring code for regression;
*************************************;
721
722
723
724
725
726
727
728
729
730
731
732
733
734
735
736
737
738
739
740
741
742
743
744
745
746
747
748
749
750
751
752
753
*** Unnormalized target values;

ARRAY REG6DRU[2] _TEMPORARY_ (1 0);
length _WARN_ $4;

label _WARN_ = 'Warnings' ;
length I_LGD_BINARY_NEW15 $ 12;
label I_LGD_BINARY_NEW15 = 'Into: LGD_BINARY_NEW15' ;
*** Target Values;
array REG6DRF [2] $12 _temporary_ ('1' '0' );
label U_LGD_BINARY_NEW15 = 'Unnormalized Into: LGD_BINARY_NEW15' ;
The SAS System
*** Generate dummy variables for LGD_BINARY_NEW15 ;

drop _Y ;
label F_LGD_BINARY_NEW15 = 'From: LGD_BINARY_NEW15' ;
length F_LGD_BINARY_NEW15 $ 12;
F_LGD_BINARY_NEW15 = put( LGD_BINARY_NEW15 , BEST12. );
%DMNORMIP( F_LGD_BINARY_NEW15 )
if missing( LGD_BINARY_NEW15 ) then do;
_Y = .;
end;
else do;
if F_LGD_BINARY_NEW15 = '0' then do;
_Y = 1;
end;
else if F_LGD_BINARY_NEW15 = '1' then do;
_Y = 0;
end;
else do;
_Y = .;
end;
end;
drop _DM_BAD;
_DM_BAD=0;
*** Generate dummy variables for GRP_IL_KODU ;
drop _1_0 _1_1 _1_2 _1_3 ;
*** encoding is sparse, initialize to zero;
_1_0 = 0;
_1_1 = 0;
_1_2 = 0;
754
755
756
757
758
759
760
761
762
763
764
765
766
767
768
769
770
771
772
773
774
775
776
777
778
15
_1_3 = 0;
if missing( GRP_IL_KODU ) then do;
_1_0 = .;
_1_1 = .;
_1_2 = .;
_1_3 = .;
substr(_warn_,1,1) = 'M';
_DM_BAD = 1;
end;
else do;
length _dm12 $ 12; drop _dm12 ;
_dm12 = put( GRP_IL_KODU , BEST12. );
%DMNORMIP( _dm12 )
if _dm12 = '2' then do;
_1_1 = 1;
end;
else if _dm12 = '3' then do;
_1_2 = 1;
end;
_1_3 = 1;
end;
_1_0 = 1;
end;
The SAS System
779
780
781
782
783
784
785
786
787
788
789
790
791
792
793
794
795
796
797
798
799
800
801
802
803
804
805
806
807
808
809
810
else do;
_1_0 = .;
_1_1 = .;
_1_2 = .;
_1_3 = .;
substr(_warn_,2,1) = 'U';
_DM_BAD = 1;
end;
end;
*** Generate dummy variables for GRP_MUSTERIYLE_CALISMA_SURESI ;
drop _2_0 _2_1 _2_2 ;
_2_0 = 0;
_2_1 = 0;
_2_2 = 0;
if missing( GRP_MUSTERIYLE_CALISMA_SURESI ) then do;
_2_0 = .;
_2_1 = .;
_2_2 = .;
_DM_BAD = 1;
end;
else do;
_dm12 = put( GRP_MUSTERIYLE_CALISMA_SURESI , BEST12. );
%DMNORMIP( _dm12 )
_2_2 = 1;
end;
_2_0 = 1;
811
812
813
814
815
816
817
818
819
820
821
822
823
824
825
826
827
828
829
830
831
832
833
834
835
836
16
end;
_2_1 = 1;
end;
else do;
_2_0 = .;
_2_1 = .;
_2_2 = .;
_DM_BAD = 1;
end;
end;
837
838
839
840
841
842
843
844
845
846
847
848
849
850
851
852
853
854
855
856
857
858
859
860
861
862
863
864
865
866
867
_DM_BAD = 1;
end;
else do;
_dm12 = put( GRP_TAKIP_ACILIS_BAKIYESI_ORAN , BEST12. );
%DMNORMIP( _dm12 )
_3_0 = 1;
end;
_3_3 = 1;
end;
_3_1 = 1;
end;
_3_2 = 1;
end;
else do;
_3_0 = .;
_3_1 = .;
_3_2 = .;
_3_3 = .;
_DM_BAD = 1;
end;
end;
*** Generate dummy variables for GRP_TAKIP_ACILIS_BAKIYESI_ORAN ;

drop _3_0 _3_1 _3_2 _3_3 ;
_3_0 = 0;
_3_1 = 0;
_3_2 = 0;
_3_3 = 0;
if missing( GRP_TAKIP_ACILIS_BAKIYESI_ORAN ) then do;
_3_0 = .;
_3_1 = .;
_3_2 = .;
_3_3 = .;
The SAS System
*** Generate dummy variables for GRP_TOPLAM_GECIKME_TAKSIT_SAYISI ;

drop _4_0 _4_1 _4_2 _4_3 ;
868
869
870
871
872
873
874
875
876
877
878
879
880
881
882
883
884
885
886
887
888
889
890
891
892
893
894
17
_4_0 = 0;
_4_1 = 0;
_4_2 = 0;
_4_3 = 0;
if missing( GRP_TOPLAM_GECIKME_TAKSIT_SAYISI ) then do;
_4_0 = .;
_4_1 = .;
_4_2 = .;
_4_3 = .;
_DM_BAD = 1;
end;
else do;
_dm12 = put( GRP_TOPLAM_GECIKME_TAKSIT_SAYISI , BEST12. );
%DMNORMIP( _dm12 )
_4_2 = 1;
end;
_4_1 = 1;
end;
_4_0 = 1;
end;
_4_3 = 1;
The SAS System
895
896
897
898
899
900
901
902
903
904
905
906
907
908
909
910
911
912
913
914
915
916
917
918
919
920
921
922
923
924
end;
else do;
_4_0 = .;
_4_1 = .;
_4_2 = .;
_4_3 = .;
_DM_BAD = 1;
end;
end;
*** If missing inputs, use averages;
if _DM_BAD > 0 then do;
_P0 = 0.4147134642;
_P1 = 0.5852865358;
goto REG6DR1;
end;
*** Compute Linear Predictor;
drop _TEMP;
drop _LP0;
_LP0 = 0;
*** Effect: GRP_IL_KODU ;
_TEMP = 1;
_LP0 = _LP0 + (
0.92910223491015)
_LP0 = _LP0 + (
0.65146555688891)
_LP0 = _LP0 + (
0.44465102067767)
_LP0 = _LP0 + (
0)
*
*
*
*
_TEMP
_TEMP
_TEMP
_TEMP
*
*
*
*
_1_0;
_1_1;
_1_2;
_1_3;
925
926
927
928
929
930
931
932
933
934
935
936
937
938
939
940
941
942
943
944
945
946
947
948
949
950
951
952
18
*** Effect: GRP_MUSTERIYLE_CALISMA_SURESI ;

_TEMP = 1;
_LP0 = _LP0 + (
0.28104430169589) * _TEMP * _2_0;
_LP0 = _LP0 + (
0.08086209741319) * _TEMP * _2_1;
_LP0 = _LP0 + (
0) * _TEMP * _2_2;
*** Effect: GRP_TAKIP_ACILIS_BAKIYESI_ORAN ;
_TEMP = 1;
_LP0 = _LP0 + ( -0.92785745822109) * _TEMP *
_LP0 = _LP0 + ( -0.37563008581527) * _TEMP *
_LP0 = _LP0 + ( -0.16788476347504) * _TEMP *
_LP0 = _LP0 + (
0) * _TEMP *
_3_0;
_3_1;
_3_2;
_3_3;
*** Effect: GRP_TOPLAM_GECIKME_TAKSIT_SAYISI ;

_TEMP = 1;
_LP0 = _LP0 + (
1.12336939518316) * _TEMP * _4_0;
_LP0 = _LP0 + (
0.68767969033162) * _TEMP * _4_1;
_LP0 = _LP0 + (
0.45454043333801) * _TEMP * _4_2;
_LP0 = _LP0 + (
0) * _TEMP * _4_3;
*** Naive Posterior Probabilities;
drop _MAXP _IY _P0 _P1;
_TEMP =
-1.1157474620762 + _LP0;
if (_TEMP < 0) then do;
_TEMP = exp(_TEMP);
_P0 = _TEMP / (1 + _TEMP);
end;
else _P0 = 1 / (1 + exp(-_TEMP));
The SAS System
953
954
955
956
957
958
959
960
961
962
963
964
965
966
967
968
969
970
971
972
973
974
975
976
977
978
979
980
981
_P1 = 1.0 - _P0;

REG6DR1:
*** Residuals;
if (_Y = .) then do;
R_LGD_BINARY_NEW151 = .;
end;
else do;
label R_LGD_BINARY_NEW151 = 'Residual: LGD_BINARY_NEW15=1' ;
R_LGD_BINARY_NEW151 = - _P0;
select( _Y );
when (0) R_LGD_BINARY_NEW151 = R_LGD_BINARY_NEW151 + 1;
end;
end;
*** Posterior Probabilities and Predicted Level;
label P_LGD_BINARY_NEW151 = 'Predicted: LGD_BINARY_NEW15=1' ;
P_LGD_BINARY_NEW151 = _P0;
_MAXP = _P0;
_IY = 1;
if (_P1 > _MAXP + 1E-8) then do;
_MAXP = _P1;
982
983
984
985
986
987
988
989
990
991
992
993
994
995
996
997
998
W15';
999
1000
1001
1002
1003
1004
1005
1006
1007
1008
1009
1010
19
_IY = 2;
end;
I_LGD_BINARY_NEW15 = REG6DRF[_IY];
U_LGD_BINARY_NEW15 = REG6DRU[_IY];
*************************************;
***** end scoring code for regression;
*************************************;
*------------------------------------------------------------*;
* TOOL: Score Node;
* TYPE: ASSESS;
* NODE: Score;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* Score: Creating Fixed Names;
*------------------------------------------------------------*;
LABEL EM_EVENTPROBABILITY = 'Probability for level 1 of LGD_BINARY_NE
EM_EVENTPROBABILITY = P_LGD_BINARY_NEW151;
LABEL EM_PROBABILITY = 'Probability of Classification';
EM_PROBABILITY =
max(
P_LGD_BINARY_NEW151
,
P_LGD_BINARY_NEW150
);
LENGTH EM_CLASSIFICATION $%dmnorlen;
LABEL EM_CLASSIFICATION = "Prediction for LGD_BINARY_NEW15";
EM_CLASSIFICATION = I_LGD_BINARY_NEW15;
LABEL EM_CLASSTARGET = 'Target Variable: LGD_BINARY_NEW15';
The SAS System
1011
EM_CLASSTARGET = F_LGD_BINARY_NEW15;
1012
1013
label PREDICTED_LGD = "CALIBRATED DATASET";
1014
label SKOR = "LOG OF BAD OVER GOOD";
1015
SKOR = LOG10(P_LGD_BINARY_NEW151 / P_LGD_BINARY_NEW150);
1016
PREDICTED_LGD = ((37.76658 * SKOR) + 42.74202)/100;
1017
if PREDICTED_LGD < 0 THEN DO;
1018
PREDICTED_LGD =0;
1019
END;
1020
label LGD_ORJ = "ORIJINAL PREDICTED LGD";
1021
1022
IF NAKIT_TEMINAT_TUTARI >0 AND BAKIYE_TL > NAKIT_TEMINAT_TUTARI THEN
DO;
1023
LGD_ORJ = (((BAKIYE_TL - NAKIT_TEMINAT_TUTARI)* PREDICTED_LGD) /
BAKIYE_TL);
1024
END;
1025
ELSE IF NAKIT_TEMINAT_TUTARI > BAKIYE_TL THEN DO;
1026
LGD_ORJ=0;
1027
END;
1028
ELSE DO LGD_ORJ = PREDICTED_LGD; END;
1029
1030
RUN;
NOTE:
NOTE:
NOTE:
NOTE:
Variable
Variable
Variable
Variable
HESAP_ACIK_KALMASI_GEREKEN_SURE is uninitialized.
HESAP_ACIK_SURE is uninitialized.
HESAP_ACIK_SURE_ORAN is uninitialized.
ODENEN_TAKSIT_SAYISI is uninitialized.
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
AC.
NOTE:
nd 62
NOTE:
1031
1032
1033
1034
1035
1036
1037
1038
Variable VADE_SURESI is uninitialized.

Variable YAS is uninitialized.
Variable YAS_ORJ_KREDI is uninitialized.
Variable BOLGE_KODU is uninitialized.
Variable SEHIR is uninitialized.
Variable LGD_BINARY_NEW15 is uninitialized.
There were 1374130 observations read from the data set WORK.BIREYSEL_IHTIY
The data set WORK.BIREYSEL_IHTIYAC_TUM_DEGSKNLR has 1374130 observations a
variables.
DATA statement used (Total process time):
real time
7.98 seconds
cpu time
4.88 seconds
/* AYNI AYIN DATASINI SILER*/
DATA BASELIRB.BIREYSEL_IHTIYAC;
SET BASELIRB.BIREYSEL_IHTIYAC;
TARIH2 = datepart(TARIH);
format TARIH2 DATE9.;
IF TARIH2 = "&ay"D then delete;
DROP TARIH2;
run;
NOTE: There were 11639892 observations read from the data set BASELIRB.BIREYSEL_
IHTIYAC.
NOTE: The data set BASELIRB.BIREYSEL_IHTIYAC has 11639892 observations and 62 va
riables.
NOTE: DATA statement used (Total process time):
real time
1:23.46
cpu time
28.76 seconds
1039
1040
1041
1042
20
/*MEVCUT AYI TABLOYA EKLER*/

PROC SQL;
insert into BASELIRB.BIREYSEL_IHTIYAC
select * from WORK.BIREYSEL_IHTIYAC_TUM_DEGSKNLR;
The SAS System
NOTE: 1374130 rows were inserted into BASELIRB.BIREYSEL_IHTIYAC.

1043
QUIT;
real time
11.94 seconds
cpu time
6.29 seconds
1044
1045
1046
1047
/*TASIT MODELI*/
1048
proc sql;
1049
connect to oracle (user='PSASUSR6' password=XXXXXXXXXXXXXXXXXXXXXXXXX
XXXXXXXXXXXXXXXXX path='PDWH_SAS');
1050
1051
1052
quit;
real time
0.16 seconds
cpu time
0.00 seconds
1053
%put &ay;
31OCT2014
1054
%macro tasit(ay);
1055
proc sql;
1056
connect to oracle (user='PSASUSR6' password='{SAS002}0D36CB1B5A51291A
50366D6C24DF9D88' path='PDWH_SAS');
1057
create table WORK.BIREYSEL_TASIT as
1058
1059
(
1060
_TUTARI,0) as NAKIT_TEMINAT_TUTARI,
1061
BAKIYE * DOVIZ_ALIS as BAKIYE_TL, case when b.HESAP_ACILIS_SUBE_ALT_
KANAL_ID = 999 then 34 else
1062
c.SUBE_ADRES_IL_KODU end as IL_KODU, case when (&ay - MUSTERI_KAYIT_
TARIHI) < 0 then 0 else
1063
(&ay - MUSTERI_KAYIT_TARIHI) end as MUSTERIYLE_CALISMA_SURESI, round
(a.BAKIYE/e.ACILIS_BAKIYESI,2)
1064
as TAKIP_ACILIS_BAKIYESI_ORAN,case when nvl(TASIT_TEMINAT_TUTARI,0)
= 0 then 0 else case when
1065
(BAKIYE * DOVIZ_ALIS) / TASIT_TEMINAT_TUTARI > 1 then 1 else round
1066
((BAKIYE * DOVIZ_ALIS) / TASIT_TEMINAT_TUTARI,2) end end as TEMINAT_
TUTAR_GOR_TKP_LTV,
1067
e.TOPLAM_GECIKME_TAKSIT_SAYISI, case when d.DOGUM_TARIHI is null the
n null else
1068
round((&ay - d.DOGUM_TARIHI)/365,0) end as YAS from PIRB.RSK_TKONSOL
IDE_KREDI a, PDWH.DWH_THESAP b
1069
1070
left outer join (
1071
select e.TARAF_ID, e.MUSTERI_KAYIT_TARIHI, f.DOGUM_TARIHI from PDWH.D
WH_TTARAF e left outer join
1072
PDWH.DWH_TTARAF_GERCEK f on e.TARAF_ID = f.TARAF_ID) d
1073
on b.HESAP_ANA_SAHIBI_TARAF_ID = d.TARAF_ID
1074
left outer join (
1075
select TARIH, MBB_NO, ANLASMA_ID, sum(TASIT_TEMINAT_TUTARI) as TASIT_
TEMINAT_TUTARI,
1076
sum(NAKIT_TEMINAT_TUTARI) as NAKIT_TEMINAT_TUTARI from
1077
(
1078
select a.TARIH, a.MBB_NO, a.TEMINAT_NO, a.ANLASMA_ID, case when TEMIN
AT_TURU like '%Diger_TA%' then
1079
case when DOVIZ_ALIS is null then TEMINAT_TUTARI else TEMINAT_TUTARI
* DOVIZ_ALIS end else 0 end
1080
as TASIT_TEMINAT_TUTARI, case when TEMINAT_TURU = 'Nakit' then TEMIN
AT_TUTARI * DOVIZ_ALIS
1081
else 0 end as NAKIT_TEMINAT_TUTARI from PIRB.RSK_TKONSOLIDE_TEMINAT
a left outer join
1082
PIRB.RSK_TKUR b on a.TEMINAT_DOVIZ_KODU = b.DOVIZ_KODU and a.TARIH =
b.TARIH
1083
where a.TARIH = &ay
1084
1085
and a.KAYNAK = 'AK'
1086
UYGUNLUK_FLAG = 1)
1087
and (TEMINAT_TURU like '%Nakit%' or TEMINAT_TURU like '%Diger_TA%')
21
The SAS System
1088
)
1089
group by TARIH, MBB_NO, ANLASMA_ID) tem
1090
on b.ANLASMA_ID = tem.ANLASMA_ID,
1091
PDWH.DWH_THSP_TUKETICI_KREDI e, PIRB.RSK_TKUR f
1092
1093
1094
and a.DOVIZ_KODU = f.DOVIZ_KODU
1095
and a.TARIH = f.TARIH
1096
and a.TARIH = &ay
1097
1098
and IPOTEK_KREDI_TIPI = '5'
1099
1100
);
1101
1102
quit;
1103
%mend tasit;
1104
%tasit (TO_DATE(%str(%')&ay%str(%'),'DD/MM/YYYY'));
NOTE: Table WORK.BIREYSEL_TASIT created, with 37202 rows and 11 columns.
real time
45.02 seconds
cpu time
0.11 seconds
1105
1106
1107
1108
1109
1110
1111
1112
1113
1114
1115
1116
1117
1118
1119
1120
1121
1122
1123
1124
1125
1126
1127
1128
1129
1130
1131
1132
1133
1134
1135
1136
1137
1138
22
DATA WORK.BIREYSEL_TASIT_TUM_DEGSKNLR;
SET WORK.BIREYSEL_TASIT;
*------------------------------------------------------------*;
* EM SCORE CODE;
* EM Version: 7.1;
* SAS Release: 9.03.01M1P110911;
* Host: sasskr1;
* Encoding: latin5;
* Locale: en_US;
* Diagram Name: LGD_TASIT;
* Date: 20SEP2013:10:31:09;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: SAMPLE;
* NODE: Ids;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: UTILITY;
* NODE: Meta2;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: CREDSCORE;
* NODE: IGN2;
*------------------------------------------------------------*;
The SAS System
1139
1140
1141
1142
1143
1144
1145
1146
1147
1148
1149
1150
1151
1152
1153
1154
1155
1156
1157
1158
1159
1160
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1163
1164
1165
1166
1167
1168
1169
1170
1171
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1173
1174
1175
1176
1177
1178
1179
1180
1181
1182
1183
1184
1185
1186
1187
1188
1189
1190
1191
1192
1193
1194
1195
1196
23

drop _UFormat;
_UFormat='';
*------------------------------------------------------------*;
* Variable: ACILIS_BAK_LOG;
*------------------------------------------------------------*;
PROJE_KODU = 'TUK';
URUN_TIPI = '71';
LABEL GRP_ACILIS_BAK_LOG = "Grouped: ACILIS_BAK_LOG";
LABEL WOE_ACILIS_BAK_LOG = "Weight of Evidence: ACILIS_BAK_LOG";
if MISSING(ACILIS_BAK_LOG) then do;
GRP_ACILIS_BAK_LOG = 4;
WOE_ACILIS_BAK_LOG = -0.136311264;
end;
else if NOT MISSING(ACILIS_BAK_LOG) then do;
if ACILIS_BAK_LOG < 4.18 then do;
WOE_ACILIS_BAK_LOG = 0.307152124;
end;
else
if 4.18 <= ACILIS_BAK_LOG AND ACILIS_BAK_LOG < 4.26 then do;
end;
else
end;
else
end;
else
if 4.51 <= ACILIS_BAK_LOG then do;
end;
end;
*------------------------------------------------------------*;
* Variable: EGITIM_DURUMU;
*------------------------------------------------------------*;
LABEL GRP_EGITIM_DURUMU = "Grouped: EGITIM_DURUMU";
LABEL WOE_EGITIM_DURUMU = "Weight of Evidence: EGITIM_DURUMU";
if MISSING(EGITIM_DURUMU) then do;
GRP_EGITIM_DURUMU = 5;
WOE_EGITIM_DURUMU = -1.060303919;
end;
else if NOT MISSING(EGITIM_DURUMU) then do;
The SAS System

1197
1198
1199
1200
1201
1202
1203
1204
1205
1206
1207
1208
1209
1210
1211
1212
1213
1214
1215
1216
1217
1218
1219
1220
1221
1222
I";
1223
1224
1225
1226
1227
1228
1229
1230
1231
1232
1233
1234
1235
1236
1237
1238
1239
1240
1241
1242
1243
1244
1245
1246
1247
1248
1249
1250
1251
1252
1253
if EGITIM_DURUMU < 2 then do;

WOE_EGITIM_DURUMU = 0.179586136;
end;
else
if 2 <= EGITIM_DURUMU AND EGITIM_DURUMU < 3 then do;
end;
else
if 3 <= EGITIM_DURUMU AND EGITIM_DURUMU < 5 then do;
end;
else
if 5 <= EGITIM_DURUMU then do;
end;
end;
*------------------------------------------------------------*;
* Variable: GECIKME_GUN_SAYISI;
*------------------------------------------------------------*;
LABEL GRP_GECIKME_GUN_SAYISI = "Grouped: GECIKME_GUN_SAYISI";
LABEL WOE_GECIKME_GUN_SAYISI = "Weight of Evidence: GECIKME_GUN_SAYIS
if MISSING(GECIKME_GUN_SAYISI) then do;
GRP_GECIKME_GUN_SAYISI = 2;
WOE_GECIKME_GUN_SAYISI = 0.4554493706;
end;
else if NOT MISSING(GECIKME_GUN_SAYISI) then do;
if GECIKME_GUN_SAYISI < 21 then do;
WOE_GECIKME_GUN_SAYISI = -0.949236271;
end;
else
if 21 <= GECIKME_GUN_SAYISI AND GECIKME_GUN_SAYISI < 91 then do;
end;
else
end;
else
end;
else
if 101 <= GECIKME_GUN_SAYISI then do;
end;
end;
1254
24
The SAS System

1255
*------------------------------------------------------------*;
1256
1257
*------------------------------------------------------------*;
1258
LABEL GRP_HESAP_ACIK_KALMASI_GEREKEN_S =
1259
"Grouped: HESAP_ACIK_KALMASI_GEREKEN_SURE";
1260
LABEL WOE_HESAP_ACIK_KALMASI_GEREKEN_S =
1261
"Weight of Evidence: HESAP_ACIK_KALMASI_GEREKEN_SURE";
1262
1263
1264
1265
1266
end;
1267
1268
1269
1270
1271
end;
1272
else
1273
1274
1275
1276
end;
1277
else
1278
EKEN_SURE < 1096 then do;
1279
1280
1281
end;
1282
else
1283
EKEN_SURE < 1461 then do;
1284
1285
1286
end;
1287
else
1288
1289
1290
1291
end;
1292
end;
1293
1294
*------------------------------------------------------------*;
1295
1296
*------------------------------------------------------------*;
1297
1298
1299
1300
1301
1302
1303
end;
1304
1305
1306
1307
1308
1309
1310
1311
1312
25
end;
else
The SAS System
1313
1314
1315
1316
1317
1318
1319
1320
1321
1322
1323
1324
1325
1326
1327
1328
1329
1330
1331
1332
1333
1334
1335
_ORAN";
1336
1337
1338
1339
1340
1341
1342
1343
1344
1345
1346
1347
do;
1348
1349
1350
1351
1352
do;
1353
1354
1355
1356
1357
do;
1358
1359
1360
end;
else
end;
else
end;
else
end;
end;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
end;
end;
else
end;
else
end;
else
end;
1361
1362
1363
1364
1365
1366
1367
1368
1369
1370
26
else
end;
end;
1371
1372
_TIPI";
1373
1374
1375
1376
1377
1378
1379
1380
1381
1382
1383
1384
1385
1386
1387
1388
1389
1390
1391
1392
1393
1394
1395
1396
1397
1398
1399
1400
1401
1402
1403
1404
1405
1406
1407
1408
1409
1410
1411
1412
1413
1414
1415
1416
LABEL GRP_MBB_SISTEMI_ALT_TIPI = "Grouped: MBB_SISTEMI_ALT_TIPI";

LABEL WOE_MBB_SISTEMI_ALT_TIPI = "Weight of Evidence: MBB_SISTEMI_ALT
*------------------------------------------------------------*;
* Variable: MBB_SISTEMI_ALT_TIPI;
*------------------------------------------------------------*;
The SAS System
if MISSING(MBB_SISTEMI_ALT_TIPI) then do;

GRP_MBB_SISTEMI_ALT_TIPI = 3;
WOE_MBB_SISTEMI_ALT_TIPI = 2.2332857551;
end;
else if NOT MISSING(MBB_SISTEMI_ALT_TIPI) then do;
if MBB_SISTEMI_ALT_TIPI < 2 then do;
WOE_MBB_SISTEMI_ALT_TIPI = 0.1013321498;
end;
else
if 2 <= MBB_SISTEMI_ALT_TIPI then do;
WOE_MBB_SISTEMI_ALT_TIPI = -0.404364775;
end;
end;
*------------------------------------------------------------*;
* Variable: MBB_SISTEMI_TIPI;
*------------------------------------------------------------*;
LABEL GRP_MBB_SISTEMI_TIPI = "Grouped: MBB_SISTEMI_TIPI";
LABEL WOE_MBB_SISTEMI_TIPI = "Weight of Evidence: MBB_SISTEMI_TIPI";
if MISSING(MBB_SISTEMI_TIPI) then do;
GRP_MBB_SISTEMI_TIPI = 3;
WOE_MBB_SISTEMI_TIPI = 2.2332857551;
end;
else if NOT MISSING(MBB_SISTEMI_TIPI) then do;
if MBB_SISTEMI_TIPI < 2 then do;
WOE_MBB_SISTEMI_TIPI = 0.0717571205;
end;
else
if 2 <= MBB_SISTEMI_TIPI then do;
WOE_MBB_SISTEMI_TIPI = -1.089950085;
end;
end;
*------------------------------------------------------------*;
* Variable: MEDENI_HALI;
*------------------------------------------------------------*;
LABEL GRP_MEDENI_HALI = "Grouped: MEDENI_HALI";
LABEL WOE_MEDENI_HALI = "Weight of Evidence: MEDENI_HALI";
1417
1418
1419
1420
1421
1422
1423
1424
1425
1426
1427
1428
27
if MISSING(MEDENI_HALI) then do;

GRP_MEDENI_HALI = 3;
WOE_MEDENI_HALI = -1.060303919;
end;
else if NOT MISSING(MEDENI_HALI) then do;
if MEDENI_HALI < 2 then do;
WOE_MEDENI_HALI = 0.1473115862;
end;
else
if 2 <= MEDENI_HALI then do;
The SAS System
1429
1430
WOE_MEDENI_HALI = -0.129870724;
1431
end;
1432
end;
1433
1434
*------------------------------------------------------------*;
1435
1436
*------------------------------------------------------------*;
1437
RESI";
1438
_CALISMA_SURESI";
1439
1440
1441
1442
1443
end;
1444
1445
1446
1447
1448
end;
1449
else
1450
25 then do;
1451
1452
1453
end;
1454
else
1455
99 then do;
1456
1457
1458
end;
1459
else
1460
1461
1462
1463
end;
1464
end;
1465
1466
*------------------------------------------------------------*;
1467
* Variable: REHIN_BEDELINE_GORE_CANLI_LTV;
1468
*------------------------------------------------------------*;
1469
LABEL GRP_REHIN_BEDELINE_GORE_CANLI_LT = "Grouped: REHIN_BEDELINE_GOR
E_CANLI_LTV";
1470
LABEL WOE_REHIN_BEDELINE_GORE_CANLI_LT = "Weight of Evidence: REHIN_B
EDELINE_GORE_CANLI_LTV";
1471
1472
if MISSING(REHIN_BEDELINE_GORE_CANLI_LTV) then do;
1473
GRP_REHIN_BEDELINE_GORE_CANLI_LT = 5;
1474
WOE_REHIN_BEDELINE_GORE_CANLI_LT = -0.929255595;
1475
end;
1476
else if NOT MISSING(REHIN_BEDELINE_GORE_CANLI_LTV) then do;
1477
if REHIN_BEDELINE_GORE_CANLI_LTV < 0.59 then do;
1478
1479
WOE_REHIN_BEDELINE_GORE_CANLI_LT = 0.8345950859;
1480
end;
1481
else
1482
if 0.59 <= REHIN_BEDELINE_GORE_CANLI_LTV AND REHIN_BEDELINE_GORE_CANL
I_LTV < 0.76 then do;
1483
1484
WOE_REHIN_BEDELINE_GORE_CANLI_LT = 0.2081960835;
1485
end;
1486
else
28
The SAS System
1487
if 0.76 <= REHIN_BEDELINE_GORE_CANLI_LTV AND REHIN_BEDELINE_GORE_CANL
I_LTV < 0.85 then do;
1488
1489
1490
end;
1491
else
1492
if 0.85 <= REHIN_BEDELINE_GORE_CANLI_LTV then do;
1493
1494
1495
end;
1496
end;
1497
1498
*------------------------------------------------------------*;
1499
* Variable: REHIN_BEDELINE_GORE_TAKIP_LTV;
1500
*------------------------------------------------------------*;
1501
LABEL GRP_REHIN_BEDELINE_GORE_TAKIP_LT = "Grouped: REHIN_BEDELINE_GOR
E_TAKIP_LTV";
1502
LABEL WOE_REHIN_BEDELINE_GORE_TAKIP_LT = "Weight of Evidence: REHIN_B
EDELINE_GORE_TAKIP_LTV";
1503
1504
if MISSING(REHIN_BEDELINE_GORE_TAKIP_LTV) then do;
1505
GRP_REHIN_BEDELINE_GORE_TAKIP_LT = 5;
1506
WOE_REHIN_BEDELINE_GORE_TAKIP_LT = -0.929255595;
1507
end;
1508
else if NOT MISSING(REHIN_BEDELINE_GORE_TAKIP_LTV) then do;
1509
if REHIN_BEDELINE_GORE_TAKIP_LTV < 0.24 then do;
1510
1511
WOE_REHIN_BEDELINE_GORE_TAKIP_LT = 1.5053221772;
1512
end;
1513
else
1514
if 0.24 <= REHIN_BEDELINE_GORE_TAKIP_LTV AND REHIN_BEDELINE_GORE_TAKI
P_LTV < 0.49 then do;
1515
1516
WOE_REHIN_BEDELINE_GORE_TAKIP_LT = 0.4489421783;
1517
end;
1518
else
1519
if 0.49 <= REHIN_BEDELINE_GORE_TAKIP_LTV AND REHIN_BEDELINE_GORE_TAKI
P_LTV < 0.63 then do;

1520
1521
1522
end;
1523
else
1524
if 0.63 <= REHIN_BEDELINE_GORE_TAKIP_LTV then do;
1525
1526
1527
end;
1528
end;
1529
1530
*------------------------------------------------------------*;
1531
* Variable: REHIN_TASIT_KASKO_TUTARI;
1532
*------------------------------------------------------------*;
1533
LABEL GRP_REHIN_TASIT_KASKO_TUTARI = "Grouped: REHIN_TASIT_KASKO_TUTA
RI";
1534
LABEL WOE_REHIN_TASIT_KASKO_TUTARI = "Weight of Evidence: REHIN_TASIT
_KASKO_TUTARI";
1535
1536
if MISSING(REHIN_TASIT_KASKO_TUTARI) then do;
1537
GRP_REHIN_TASIT_KASKO_TUTARI = 5;
1538
WOE_REHIN_TASIT_KASKO_TUTARI = -0.926166649;
1539
end;
1540
else if NOT MISSING(REHIN_TASIT_KASKO_TUTARI) then do;
1541
if REHIN_TASIT_KASKO_TUTARI < 22500 then do;
1542
1543
WOE_REHIN_TASIT_KASKO_TUTARI = 0.2018177176;
1544
end;
29
The SAS System
1545
else
1546
if 22500 <= REHIN_TASIT_KASKO_TUTARI AND REHIN_TASIT_KASKO_TUTARI < 3
1255 then do;
1547
1548
WOE_REHIN_TASIT_KASKO_TUTARI = 0.0337165108;
1549
end;
1550
else
1551
if 31255 <= REHIN_TASIT_KASKO_TUTARI AND REHIN_TASIT_KASKO_TUTARI < 3
4440 then do;
1552
1553
1554
end;
1555
else
1556
if 34440 <= REHIN_TASIT_KASKO_TUTARI then do;
1557
1558
1559
end;
1560
end;
1561
1562
*------------------------------------------------------------*;
1563
* Variable: REHIN_TASIT_SATIS_TUTARI;
1564
*------------------------------------------------------------*;
1565
LABEL GRP_REHIN_TASIT_SATIS_TUTARI = "Grouped: REHIN_TASIT_SATIS_TUTA
RI";
1566
LABEL WOE_REHIN_TASIT_SATIS_TUTARI = "Weight of Evidence: REHIN_TASIT
_SATIS_TUTARI";
1567
1568
if MISSING(REHIN_TASIT_SATIS_TUTARI) then do;
1569
GRP_REHIN_TASIT_SATIS_TUTARI = 5;
1570
WOE_REHIN_TASIT_SATIS_TUTARI = -0.926166649;
1571
end;
1572
else if NOT MISSING(REHIN_TASIT_SATIS_TUTARI) then do;
1573
if REHIN_TASIT_SATIS_TUTARI < 25500 then do;
1574
1575
WOE_REHIN_TASIT_SATIS_TUTARI = 0.1597613904;
1576
end;
1577
else
1578
if 25500 <= REHIN_TASIT_SATIS_TUTARI AND REHIN_TASIT_SATIS_TUTARI < 2
8558.5 then do;
1579
1580
1581
end;
1582
else
1583
if 28558.5 <= REHIN_TASIT_SATIS_TUTARI AND REHIN_TASIT_SATIS_TUTARI <
31000 then do;
1584
1585
WOE_REHIN_TASIT_SATIS_TUTARI = 0.0587188252;
1586
end;
1587
else
1588
if 31000 <= REHIN_TASIT_SATIS_TUTARI then do;
1589
1590
1591
end;
1592
end;
1593
1594
*------------------------------------------------------------*;
1595
* Variable: TAKIP_ACILIS_BAKIYESI;
1596
*------------------------------------------------------------*;
1597
LABEL GRP_TAKIP_ACILIS_BAKIYESI = "Grouped: TAKIP_ACILIS_BAKIYESI";
1598
LABEL WOE_TAKIP_ACILIS_BAKIYESI = "Weight of Evidence: TAKIP_ACILIS_B
AKIYESI";
1599
1600
if MISSING(TAKIP_ACILIS_BAKIYESI) then do;
1601
GRP_TAKIP_ACILIS_BAKIYESI = 5;
1602
WOE_TAKIP_ACILIS_BAKIYESI = -0.919770642;
30
The SAS System
1603
end;
1604
else if NOT MISSING(TAKIP_ACILIS_BAKIYESI) then do;
1605
if TAKIP_ACILIS_BAKIYESI < 1774.4 then do;
1606
1607
WOE_TAKIP_ACILIS_BAKIYESI = 1.8578981022;
1608
end;
1609
else
1610
if 1774.4 <= TAKIP_ACILIS_BAKIYESI AND TAKIP_ACILIS_BAKIYESI < 6093.4
2 then do;
1611
1612
1613
end;
1614
else
1615
if 6093.42 <= TAKIP_ACILIS_BAKIYESI AND TAKIP_ACILIS_BAKIYESI < 9799.
7 then do;
1616
1617
1618
end;
1619
else
1620
if 9799.7 <= TAKIP_ACILIS_BAKIYESI AND TAKIP_ACILIS_BAKIYESI < 17510.
6 then do;
1621
1622
1623
end;
1624
else
1625
if 17510.6 <= TAKIP_ACILIS_BAKIYESI then do;
1626
1627
1628
end;
1629
end;
1630
1631
*------------------------------------------------------------*;
1632
* Variable: TAKIP_ACILIS_BAKIYESI_ORAN;
1633
*------------------------------------------------------------*;
1634
LABEL GRP_TAKIP_ACILIS_BAKIYESI_ORAN = "Grouped: TAKIP_ACILIS_BAKIYES
I_ORAN";
1635
LABEL WOE_TAKIP_ACILIS_BAKIYESI_ORAN = "Weight of Evidence: TAKIP_ACI
LIS_BAKIYESI_ORAN";
1636
1637
if MISSING(TAKIP_ACILIS_BAKIYESI_ORAN) then do;
1638
1639
1640
end;
1641
else if NOT MISSING(TAKIP_ACILIS_BAKIYESI_ORAN) then do;
1642
if TAKIP_ACILIS_BAKIYESI_ORAN < 0.27 then do;
1643
1644
1645
end;
1646
else
1647
< 0.65 then do;
1648
1649
1650
end;
1651
else
1652
< 0.77 then do;
1653
1654
1655
end;
1656
else
1657
< 0.87 then do;
1658
1659
1660
end;
31
The SAS System
1661
1662
1663
1664
1665
1666
1667
1668
1669
1670
1671
1672
else
if 0.87 <= TAKIP_ACILIS_BAKIYESI_ORAN then do;
end;
end;
*------------------------------------------------------------*;
* Variable: TAKIP_ACILIS_BAK_LOG;
*------------------------------------------------------------*;
LABEL GRP_TAKIP_ACILIS_BAK_LOG = "Grouped: TAKIP_ACILIS_BAK_LOG";
LABEL WOE_TAKIP_ACILIS_BAK_LOG = "Weight of Evidence: TAKIP_ACILIS_BA
K_LOG";
1673
1674
if MISSING(TAKIP_ACILIS_BAK_LOG) then do;
1675
GRP_TAKIP_ACILIS_BAK_LOG = 5;
1676
WOE_TAKIP_ACILIS_BAK_LOG = 2.5560591473;
1677
end;
1678
else if NOT MISSING(TAKIP_ACILIS_BAK_LOG) then do;
1679
if TAKIP_ACILIS_BAK_LOG < 3.53 then do;
1680
1681
1682
end;
1683
else
1684
if 3.53 <= TAKIP_ACILIS_BAK_LOG AND TAKIP_ACILIS_BAK_LOG < 3.99 then
do;
1685
1686
1687
end;
1688
else
1689
if 3.99 <= TAKIP_ACILIS_BAK_LOG AND TAKIP_ACILIS_BAK_LOG < 4.21 then
do;
1690
1691
WOE_TAKIP_ACILIS_BAK_LOG = -0.048558417;
1692
end;
1693
else
1694
if 4.21 <= TAKIP_ACILIS_BAK_LOG then do;
1695
1696
WOE_TAKIP_ACILIS_BAK_LOG = -0.840281629;
1697
end;
1698
end;
1699
1700
*------------------------------------------------------------*;
1701
* Variable: TEMINAT_TUTARINA_GORE_CANLI_LTV;
1702
*------------------------------------------------------------*;
1703
LABEL GRP_TEMINAT_TUTARINA_GORE_CANLI_ = "Grouped: TEMINAT_TUTARINA_G
ORE_CANLI_LTV";
1704
LABEL WOE_TEMINAT_TUTARINA_GORE_CANLI_ = "Weight of Evidence: TEMINAT
_TUTARINA_GORE_CANLI_LTV";
1705
1706
if MISSING(TEMINAT_TUTARINA_GORE_CANLI_LTV) then do;
1707
GRP_TEMINAT_TUTARINA_GORE_CANLI_ = 5;
1708
WOE_TEMINAT_TUTARINA_GORE_CANLI_ = -0.926166649;
1709
end;
1710
else if NOT MISSING(TEMINAT_TUTARINA_GORE_CANLI_LTV) then do;
1711
if TEMINAT_TUTARINA_GORE_CANLI_LTV < 0.59 then do;
1712
1713
WOE_TEMINAT_TUTARINA_GORE_CANLI_ = 0.7833656981;
1714
end;
1715
else
1716
if 0.59 <= TEMINAT_TUTARINA_GORE_CANLI_LTV AND TEMINAT_TUTARINA_GORE_
CANLI_LTV < 0.68 then do;
1717
1718
WOE_TEMINAT_TUTARINA_GORE_CANLI_ = 0.4103105131;
32
The SAS System
1719
1720
1721
CANLI_LTV
1722
end;
else
if 0.68 <= TEMINAT_TUTARINA_GORE_CANLI_LTV AND TEMINAT_TUTARINA_GORE_
< 0.83 then do;
1723
1724
end;
1725
else
1726
if 0.83 <= TEMINAT_TUTARINA_GORE_CANLI_LTV then do;
1727
1728
1729
end;
1730
end;
1731
1732
*------------------------------------------------------------*;
1733
* Variable: TEMINAT_TUTARINA_GORE_TAKIP_LTV;
1734
*------------------------------------------------------------*;
1735
LABEL GRP_TEMINAT_TUTAR_GOR_TKP_LTV= "Grouped: TEMINAT_TUTARINA_GORE_
TAKIP_LTV";
1736
LABEL WOE_TEMINAT_TUTAR_GOR_TKP_LTV = "Weight of Evidence: TEMINAT_TU
TARINA_GORE_TAKIP_LTV";
1737
1738
if MISSING(TEMINAT_TUTAR_GOR_TKP_LTV) then do;
1739
GRP_TEMINAT_TUTAR_GOR_TKP_LTV = 4;
1740
WOE_TEMINAT_TUTAR_GOR_TKP_LTV = -1.213656806;
1741
end;
1742
else if NOT MISSING(TEMINAT_TUTAR_GOR_TKP_LTV) then do;
1743
if TEMINAT_TUTAR_GOR_TKP_LTV < 0.24 then do;
1744
1745
WOE_TEMINAT_TUTAR_GOR_TKP_LTV = 1.5233980955;
1746
end;
1747
else
1748
if 0.24 <= TEMINAT_TUTAR_GOR_TKP_LTV AND TEMINAT_TUTAR_GOR_TKP_LTV <
0.49 then do;
1749
1750
WOE_TEMINAT_TUTAR_GOR_TKP_LTV = 0.4515102079;
1751
end;
1752
else
1753
if 0.49 <= TEMINAT_TUTAR_GOR_TKP_LTV AND TEMINAT_TUTAR_GOR_TKP_LTV <
0.66 then do;
1754
1755
WOE_TEMINAT_TUTAR_GOR_TKP_LTV = -0.481757482;
1756
end;
1757
else
1758
if 0.66 <= TEMINAT_TUTAR_GOR_TKP_LTV then do;
1759
1760
WOE_TEMINAT_TUTAR_GOR_TKP_LTV= -1.213656806;
1761
end;
1762
end;
1763
1764
*------------------------------------------------------------*;
1765
* Variable: TOPLAM_GECIKME_GUN_SAYISI;
1766
*------------------------------------------------------------*;
1767
LABEL GRP_TOPLAM_GECIKME_GUN_SAYISI = "Grouped: TOPLAM_GECIKME_GUN_SA
YISI";
1768
LABEL WOE_TOPLAM_GECIKME_GUN_SAYISI = "Weight of Evidence: TOPLAM_GEC
IKME_GUN_SAYISI";
1769
1770
if MISSING(TOPLAM_GECIKME_GUN_SAYISI) then do;
1771
GRP_TOPLAM_GECIKME_GUN_SAYISI = 5;
1772
WOE_TOPLAM_GECIKME_GUN_SAYISI = 2.8523249635;
1773
end;
1774
else if NOT MISSING(TOPLAM_GECIKME_GUN_SAYISI) then do;
1775
if TOPLAM_GECIKME_GUN_SAYISI < 284 then do;
1776
33
The SAS System

1777
WOE_TOPLAM_GECIKME_GUN_SAYISI = -0.955749956;
1778
end;
1779
else
1780
if 284 <= TOPLAM_GECIKME_GUN_SAYISI AND TOPLAM_GECIKME_GUN_SAYISI < 5
42 then do;
1781
1782
1783
end;
1784
else
1785
032 then do;
1786
1787
1788
end;
1789
else
1790
if 1032 <= TOPLAM_GECIKME_GUN_SAYISI then do;
1791
1792
1793
end;
1794
end;
1795
1796
*------------------------------------------------------------*;
1797
1798
*------------------------------------------------------------*;
1799
SIT_SAYISI";
1800
1801
1802
1803
1804
1805
end;
1806
1807
1808
1809
1810
end;
1811
else
1812
< 12 then do;
1813
1814
1815
end;
1816
else
1817
if 12 <= TOPLAM_GECIKME_TAKSIT_SAYISI AND TOPLAM_GECIKME_TAKSIT_SAYIS
I < 21 then do;
1818
1819
1820
end;
1821
else
1822
1823
1824
1825
end;
1826
end;
1827
1828
1829
1830
1831
1832
1833
1834
34
*------------------------------------------------------------*;
* Variable: YAS;
*------------------------------------------------------------*;
The SAS System
1835
1836
1837
1838
1839
1840
1841
1842
1843
1844
1845
1846
1847
1848
1849
1850
1851
1852
1853
1854
1855
1856
1857
1858
1859
1860
1861
1862
1863
1864
1865
1866
1867
1868
1869
1870
1871
1872
1873
1874
1875
1876
1877
1878
1879
1880
1881
1882
1883
1884
GRP_YAS = 1;
WOE_YAS = -0.552347765;
end;
GRP_YAS = 1;
WOE_YAS = -0.552347765;
end;
else
GRP_YAS = 2;
WOE_YAS = 0.0750410784;
end;
else
GRP_YAS = 3;
WOE_YAS = 0.2965164375;
end;
end;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
end;
end;
else
end;
else
end;
else
end;
1885
1886
1887
1888
1889
1890
1891
1892
35
end;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
The SAS System
1893
________
484
1894
1895
1896
GRP_BOLGE_KODU = 5;
1897
1898
end;
1899
1900
if (_UFORMAT eq '7000' OR _UFORMAT eq '7020' OR _UFORMAT eq '7040' OR
_UFORMAT eq
1901
'7070' OR _UFORMAT eq '7230'
1902
) then do;
1903
GRP_BOLGE_KODU = 1;
1904
1905
end;
1906
else
1907
_UFORMAT eq
1908
'7160' OR _UFORMAT eq '7190' OR _UFORMAT eq '7250'
1909
) then do;
1910
GRP_BOLGE_KODU = 2;
1911
1912
end;
1913
else
1914
_UFORMAT eq
1915
'7150' OR _UFORMAT eq '7170' OR _UFORMAT eq '7180' OR _UFORMAT eq '72
00' OR _UFORMAT eq '7220'
1916
) then do;
1917
GRP_BOLGE_KODU = 3;
1918
1919
end;
1920
else
1921
1922
) then do;
1923
GRP_BOLGE_KODU = 3;
1924
1925
end;
1926
else
1927
_UFORMAT eq '7210'
1928
) then do;
1929
GRP_BOLGE_KODU = 4;
1930
1931
end;
1932
1933
1934
1935
1936
1937
1938
1939
1940
1941
1942
1943
1944
else do;
GRP_BOLGE_KODU = 5;
end;
end;
*------------------------------------------------------------*;
* Variable: CINSIYETI;
*------------------------------------------------------------*;
LABEL GRP_CINSIYETI = "Grouped: CINSIYETI";
LABEL WOE_CINSIYETI = "Weight of Evidence: CINSIYETI";
_UFormat = put(CINSIYETI,$CHAR1.0);
________
36
The SAS System

484
WARNING: Variable CINSIYETI has already been defined as numeric.
1945
1946
1947
1948
1949
1950
1951
1952
1953
1954
1955
1956
1957
1958
1959
1960
1961
1962
1963
1964
1965
1966
1967
1968
1969
1970
1971
1972
1973
1974
GRP_CINSIYETI = 3;
WOE_CINSIYETI = -1.062868975;
end;
if (_UFORMAT eq 'E'
) then do;
GRP_CINSIYETI = 1;
WOE_CINSIYETI = 0.083832839;
end;
else
if (_UFORMAT eq 'K'
) then do;
GRP_CINSIYETI = 2;
WOE_CINSIYETI = 0.0240687709;
end;
else do;
GRP_CINSIYETI = 3;
WOE_CINSIYETI = -1.062868975;
end;
end;
1975
1976
1977
1978
GRP_IL_KODU = 1;
WOE_IL_KODU = -0.32992545;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
________
484
1979
end;
1980
1981
MAT eq '39'
1982
OR _UFORMAT eq '49' OR _UFORMAT eq '6' OR _UFORMAT eq '7' OR _UFORMAT
1983
) then do;
1984
GRP_IL_KODU = 1;
1985
WOE_IL_KODU = -0.32992545;
1986
end;
1987
else
1988
1989
) then do;
1990
GRP_IL_KODU = 1;
1991
WOE_IL_KODU = -0.32992545;
1992
end;
1993
else
37
The SAS System
1994
1995
eq '23' OR _UFORMAT eq '26' OR _UFORMAT eq '3' OR _UFORMAT eq '33' O
R _UFORMAT eq '34'
1996
) then do;
1997
GRP_IL_KODU = 2;
1998
WOE_IL_KODU = -0.043916217;
1999
end;
2000
else
2001
2002
eq '44' OR _UFORMAT eq '48' OR _UFORMAT eq '54' OR _UFORMAT eq '56'
OR _UFORMAT eq '57'
2003
) then do;
2004
GRP_IL_KODU = 2;
2005
WOE_IL_KODU = -0.043916217;
2006
end;
2007
else
2008
MAT eq '67'
2009
OR _UFORMAT eq '74' OR _UFORMAT eq '78' OR _UFORMAT eq '80'
2010
) then do;
2011
GRP_IL_KODU = 2;
2012
WOE_IL_KODU = -0.043916217;
2013
end;
2014
else
2015
MAT eq '22'
2016
OR _UFORMAT eq '24' OR _UFORMAT eq '27' OR _UFORMAT eq '31' OR _UFORM
2017
) then do;
2018
GRP_IL_KODU = 3;
2019
WOE_IL_KODU = 0.213525905;
2020
end;
2021
else
2022
AT eq '50'
2023
2024
) then do;
2025
GRP_IL_KODU = 3;
2026
WOE_IL_KODU = 0.213525905;
2027
end;
2028
else
2029
MAT eq '77'
2030
) then do;
2031
GRP_IL_KODU = 3;
2032
WOE_IL_KODU = 0.213525905;
2033
end;
2034
else
2035
2036
_UFORMAT eq '40'
2037
) then do;
2038
GRP_IL_KODU = 4;
2039
WOE_IL_KODU = 0.5800882316;
2040
end;
2041
else
2042
2043
'68' OR _UFORMAT eq '69' OR _UFORMAT eq '75' OR _UFORMAT eq '76' OR _
UFORMAT eq '81'
2044
) then do;
2045
GRP_IL_KODU = 4;
2046
WOE_IL_KODU = 0.5800882316;
2047
end;
2048
else do;
2049
GRP_IL_KODU = 1;
2050
WOE_IL_KODU = -0.32992545;
2051
end;
38
The SAS System
2052
2053
2054
2055
2056
2057
2058
2059
2060
end;
*------------------------------------------------------------*;
* Variable: SEHIR;
*------------------------------------------------------------*;
_________
484
2061
2062
2063
GRP_SEHIR = 5;
2064
WOE_SEHIR = -0.243252645;
2065
end;
2066
2067
if (_UFORMAT eq 'ANKARA' OR _UFORMAT eq 'ANTALYA' OR _UFORMAT eq 'ART
VIN' OR _UFORMAT eq
2068
'AYDIN' OR _UFORMAT eq 'ERZURUM' OR _UFORMAT eq 'KIRIKKALE' OR _UFORM
AT eq 'KIRKLARELI'
2069
) then do;
2070
GRP_SEHIR = 1;
2071
WOE_SEHIR = -0.330422137;
2072
end;
2073
else
2074
if (_UFORMAT eq 'MUS' OR _UFORMAT eq 'ANKIRI'
2075
) then do;
2076
GRP_SEHIR = 1;
2077
WOE_SEHIR = -0.330422137;
2078
end;
2079
else
2080
if (_UFORMAT eq 'ADANA' OR _UFORMAT eq 'AFYONKARAHISAR' OR _UFORMAT e
q 'AGRI' OR _UFORMAT
2081
eq 'BARTIN' OR _UFORMAT eq 'DENIZLI' OR _UFORMAT eq 'DIYARBAKIR' OR _
UFORMAT eq 'ELAZIG'
2082
) then do;
2083
GRP_SEHIR = 2;
2084
WOE_SEHIR = -0.043916217;
2085
end;
2086
else
2087
if (_UFORMAT eq 'ESKISEHIR' OR _UFORMAT eq 'KARABK' OR _UFORMAT eq 'KO
NYA' OR _UFORMAT eq
2088
'KTAHYA' OR _UFORMAT eq 'MALATYA' OR _UFORMAT eq 'MUGLA' OR _UFORMAT e
q 'OSMANIYE'
2089
) then do;
2090
GRP_SEHIR = 2;
2091
WOE_SEHIR = -0.043916217;
2092
end;
2093
else
2094
if (_UFORMAT eq 'SAKARYA' OR _UFORMAT eq 'SIIRT' OR _UFORMAT eq 'SINO
P' OR _UFORMAT eq 'SIVAS'
2095
OR _UFORMAT eq 'TEKIRDAG' OR _UFORMAT eq 'VAN' OR _UFORMAT eq 'ZONGU
LDAK' OR _UFORMAT eq 'ORUM'
2096
) then do;
2097
GRP_SEHIR = 2;
2098
WOE_SEHIR = -0.043916217;
2099
end;
2100
else
2101
if (_UFORMAT eq 'ISTANBUL' OR _UFORMAT eq 'IZMIR' OR _UFORMAT eq 'IEL'
2102
) then do;
2103
GRP_SEHIR = 2;
2104
WOE_SEHIR = -0.043916217;
39
The SAS System
2105
end;
2106
else
2107
if (_UFORMAT eq 'AMASYA' OR _UFORMAT eq 'BALIKESIR' OR _UFORMAT eq 'B
ATMAN' OR _UFORMAT
2108
eq 'BURSA' OR _UFORMAT eq 'EDIRNE' OR _UFORMAT eq 'ERZINCAN' OR _UFO
RMAT eq 'GAZIANTEP'
2109
) then do;
2110
GRP_SEHIR = 3;
2111
WOE_SEHIR = 0.2134743949;
2112
end;
2113
else
2114
if (_UFORMAT eq 'HATAY' OR _UFORMAT eq 'ISPARTA' OR _UFORMAT eq 'KAHR
AMANMARAS' OR _UFORMAT
2115
eq 'KOCAELI' OR _UFORMAT eq 'MANISA' OR _UFORMAT eq 'NEVSEHIR' OR _U
FORMAT eq 'NIGDE'
2116
) then do;
2117
GRP_SEHIR = 3;
2118
WOE_SEHIR = 0.2134743949;
2119
end;
2120
else
2121
if (_UFORMAT eq 'ORDU' OR _UFORMAT eq 'SAMSUN' OR _UFORMAT eq 'TOKAT'
OR _UFORMAT eq 'TRABZON'
2122
OR _UFORMAT eq 'USAK' OR _UFORMAT eq 'YALOVA' OR _UFORMAT eq 'ANAKKAL
E'
2123
) then do;
2124
GRP_SEHIR = 3;
2125
WOE_SEHIR = 0.2134743949;
2126
end;
2127
else
2128
if (_UFORMAT eq 'ADIYAMAN' OR _UFORMAT eq 'AKSARAY' OR _UFORMAT eq 'A
RDAHAN' OR _UFORMAT eq
2129
'BAYBURT' OR _UFORMAT eq 'BILECIK' OR _UFORMAT eq 'BOLU' OR _UFORMAT
eq 'BURDUR'
2130
) then do;
2131
GRP_SEHIR = 4;
2132
WOE_SEHIR = 0.5800882316;
2133
end;
2134
else
2135
if (_UFORMAT eq 'DZCE' OR _UFORMAT eq 'GIRESUN' OR _UFORMAT eq 'IGDIR'
OR _UFORMAT eq
2136
'KARS' OR _UFORMAT eq 'KASTAMONU' OR _UFORMAT eq 'KAYSERI' OR _UFORMA
T eq 'KIRSEHIR'
2137
) then do;
2138
GRP_SEHIR = 4;
2139
WOE_SEHIR = 0.5800882316;
2140
end;
2141
else
2142
if (_UFORMAT eq 'MARDIN' OR _UFORMAT eq 'RIZE' OR _UFORMAT eq 'YOZGAT
' OR _UFORMAT eq 'SANLIURFA'
2143
) then do;
2144
GRP_SEHIR = 4;
2145
WOE_SEHIR = 0.5800882316;
2146
end;
2147
else
2148
if (_UFORMAT eq 'BINGL' OR _UFORMAT eq 'KARAMAN' OR _UFORMAT eq 'SIRNA
K'
2149
) then do;
2150
GRP_SEHIR = 5;
2151
WOE_SEHIR = -0.243252645;
2152
end;
2153
else do;
2154
GRP_SEHIR = 5;
2155
WOE_SEHIR = -0.243252645;
2156
end;
2157
end;
2158
2159
*------------------------------------------------------------*;
2160
* Variable: TARAF_VSAMUS_SEGMENT_TIPI;
2161
*------------------------------------------------------------*;
2162
LABEL GRP_TARAF_VSAMUS_SEGMENT_TIPI = "Grouped: TARAF_VSAMUS_SEGMENT_
TIPI";
40
The SAS System
2163
LABEL WOE_TARAF_VSAMUS_SEGMENT_TIPI = "Weight of Evidence: TARAF_VSAM
US_SEGMENT_TIPI";
2164
2165
2166
2167
2168
2169
2170
2171
2172
2173
2174
2175
2176
2177
2178
2179
2180
2181
2182
2183
2184
2185
2186
2187
2188
2189
2190
2191
2192
2193
2194
2195
2196
2197
2198
2199
2200
2201
2202
2203
2204
2205
2206
2207
2208
2209
2210
2211
2212
2213
2214
2215
2216
2217
2218
2219
2220
41
_UFormat = put(TARAF_VSAMUS_SEGMENT_TIPI,BEST12.0);
GRP_TARAF_VSAMUS_SEGMENT_TIPI = 3;
WOE_TARAF_VSAMUS_SEGMENT_TIPI = 1.6736699671;
end;
) then do;
end;
else
) then do;
WOE_TARAF_VSAMUS_SEGMENT_TIPI = -0.654571859;
end;
else
) then do;
end;
else do;
end;
end;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: UTILITY;
* NODE: Meta11;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: SAMPLE;
* NODE: Part2;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TOOL: Regression;
* TYPE: MODEL;
* NODE: Reg2;
*------------------------------------------------------------*;
*************************************;
*************************************;
length _WARN_ $4;
length I_LGD_BINARY_018 $ 12;
The SAS System
2221
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42
label I_LGD_BINARY_018 = 'Into: LGD_BINARY_018' ;

*** Target Values;
label U_LGD_BINARY_018 = 'Unnormalized Into: LGD_BINARY_018' ;
*** Generate dummy variables for LGD_BINARY_018 ;
drop _Y ;
label F_LGD_BINARY_018 = 'From: LGD_BINARY_018' ;
length F_LGD_BINARY_018 $ 12;
F_LGD_BINARY_018 = put( LGD_BINARY_018 , BEST12. );
%DMNORMIP( F_LGD_BINARY_018 )
if missing( LGD_BINARY_018 ) then do;
_Y = .;
end;
else do;
if F_LGD_BINARY_018 = '1' then do;
_Y = 0;
end;
else if F_LGD_BINARY_018 = '0' then do;
_Y = 1;
end;
else do;
_Y = .;
end;
end;
drop _DM_BAD;
_DM_BAD=0;
drop _1_0 _1_1 _1_2 _1_3 ;
_1_0 = 0;
_1_1 = 0;
_1_2 = 0;
_1_3 = 0;
_1_0 = .;
_1_1 = .;
_1_2 = .;
_1_3 = .;
_DM_BAD = 1;
end;
else do;
%DMNORMIP( _dm12 )
_1_1 = 1;
end;
_1_2 = 1;
end;
_1_0 = 1;
The SAS System
2279
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2285
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2321
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2323
2324
2325
2326
2327
2328
2329
2330
2331
2332
2333
2334
2335
2336
43
end;
_1_3 = 1;
end;
else do;
_1_0 = .;
_1_1 = .;
_1_2 = .;
_1_3 = .;
_DM_BAD = 1;
end;
end;
drop _2_0 _2_1 _2_2 _2_3 ;
_2_0 = 0;
_2_1 = 0;
_2_2 = 0;
_2_3 = 0;
_2_0 = .;
_2_1 = .;
_2_2 = .;
_2_3 = .;
_DM_BAD = 1;
end;
else do;
%DMNORMIP( _dm12 )
_2_3 = 1;
end;
_2_2 = 1;
end;
_2_1 = 1;
end;
_2_0 = 1;
end;
else do;
_2_0 = .;
_2_1 = .;
_2_2 = .;
_2_3 = .;
_DM_BAD = 1;
end;
end;
*** Generate dummy variables for GRP_TAKIP_ACILIS_BAKIYESI_ORAN ;
drop _3_0 _3_1 _3_2 _3_3 _3_4 ;
The SAS System

2337
2338
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2340
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2342
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2351
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2388
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2390
2391
2392
2393
2394
_3_0 = 0;
_3_1 = 0;
_3_2 = 0;
_3_3 = 0;
_3_4 = 0;
if missing( GRP_TAKIP_ACILIS_BAKIYESI_ORAN ) then do;
_3_0 = .;
_3_1 = .;
_3_2 = .;
_3_3 = .;
_3_4 = .;
_DM_BAD = 1;
end;
else do;
_dm12 = put( GRP_TAKIP_ACILIS_BAKIYESI_ORAN , BEST12. );
%DMNORMIP( _dm12 )
_dm_find = 0; drop _dm_find;
if _dm12 <= '3' then do;
_3_0 = 1;
_dm_find = 1;
end;
else do;
_3_1 = 1;
_dm_find = 1;
end;
end;
end;
else do;
_3_2 = 1;
_dm_find = 1;
end;
end;
end;
else do;
_3_3 = 1;
_dm_find = 1;
end;
else do;
_3_4 = 1;
_dm_find = 1;
end;
end;
end;
if not _dm_find then do;
_3_0 = .;
_3_1 = .;
_3_2 = .;
_3_3 = .;
_3_4 = .;
44
The SAS System

2395
2396
2397
2398
2399
;
2400
2401
2402
2403
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2405
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2449
2450
_DM_BAD = 1;
end;
end;
*** Generate dummy variables for GRP_TEMINAT_TUTARINA_GORE_TAKIP_LTV
drop _4_0 _4_1 _4_2 _4_3 ;
_4_0 = 0;
_4_1 = 0;
_4_2 = 0;
_4_3 = 0;
if missing( GRP_TEMINAT_TUTAR_GOR_TKP_LTV ) then do;
_4_0 = .;
_4_1 = .;
_4_2 = .;
_4_3 = .;
_DM_BAD = 1;
end;
else do;
_dm12 = put( GRP_TEMINAT_TUTAR_GOR_TKP_LTV , BEST12. );
%DMNORMIP( _dm12 )
_4_3 = 1;
end;
_4_1 = 1;
end;
_4_2 = 1;
end;
_4_0 = 1;
end;
else do;
_4_0 = .;
_4_1 = .;
_4_2 = .;
_4_3 = .;
_DM_BAD = 1;
end;
end;
drop _5_0 _5_1 _5_2 _5_3 ;
_5_0 = 0;
_5_1 = 0;
_5_2 = 0;
_5_3 = 0;
_5_0 = .;
_5_1 = .;
_5_2 = .;
2451
2452
45
_5_3 = .;
The SAS System
2453
2454
2455
2456
2457
2458
2459
2460
2461
2462
2463
2464
2465
2466
2467
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2489
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2492
2493
2494
2495
2496
2497
2498
2499
2500
2501
2502
2503
2504
2505
2506
2507
_DM_BAD = 1;
end;
else do;
%DMNORMIP( _dm12 )
_5_2 = 1;
end;
_5_3 = 1;
end;
_5_0 = 1;
end;
_5_1 = 1;
end;
else do;
_5_0 = .;
_5_1 = .;
_5_2 = .;
_5_3 = .;
_DM_BAD = 1;
end;
end;
*** Generate dummy variables for GRP_YAS ;
drop _6_0 _6_1 _6_2 ;
_6_0 = 0;
_6_1 = 0;
_6_2 = 0;
if missing( GRP_YAS ) then do;
_6_0 = .;
_6_1 = .;
_6_2 = .;
_DM_BAD = 1;
end;
else do;
_dm12 = put( GRP_YAS , BEST12. );
%DMNORMIP( _dm12 )
_6_1 = 1;
end;
_6_0 = 1;
end;
_6_2 = 1;
end;
else do;
2508
2509
2510
46
_6_0 = .;
_6_1 = .;
_6_2 = .;
The SAS System
2511
2512
2513
2514
2515
2516
2517
2518
2519
2520
2521
2522
2523
2524
2525
2526
2527
2528
2529
2530
2531
2532
2533
2534
2535
2536
2537
2538
2539
2540
2541
2542
2543
2544
2545
2546
2547
2548
2549
2550
2551
2552
2553
2554
2555
2556
2557
2558
2559
2560
2561
2562
2563
2564
_DM_BAD = 1;
end;
end;
_P0 = 0.5713079377;
_P1 = 0.4286920623;
goto REG2DR1;
end;
drop _TEMP;
drop _LP0;
_LP0 = 0;
_TEMP = 1;
_LP0 = _LP0 + (
0.85335312727213)
_LP0 = _LP0 + (
0.56188765122219)
_LP0 = _LP0 + (
0.3270293352039)
_LP0 = _LP0 + (
0)
*
*
*
*
_TEMP
_TEMP
_TEMP
_TEMP
*
*
*
*
_1_0;
_1_1;
_1_2;
_1_3;

_TEMP = 1;
_LP0 = _LP0 + (
0.49409381500113) * _TEMP
_LP0 = _LP0 + (
0.18121174430312) * _TEMP
_LP0 = _LP0 + (
0.09003523710965) * _TEMP
_LP0 = _LP0 + (
0) * _TEMP
*
*
*
*
_2_0;
_2_1;
_2_2;
_2_3;
*** Effect: GRP_TAKIP_ACILIS_BAKIYESI_ORAN ;

_TEMP = 1;
_LP0 = _LP0 + ( -1.27528126319103) * _TEMP *
_LP0 = _LP0 + ( -0.84369362840646) * _TEMP *
_LP0 = _LP0 + ( -0.61986027159105) * _TEMP *
_LP0 = _LP0 + ( -0.38527430504259) * _TEMP *
_LP0 = _LP0 + (
0) * _TEMP *
_3_0;
_3_1;
_3_2;
_3_3;
_3_4;
*** Effect: GRP_TEMINAT_TUTARINA_GORE_TAKIP_LTV ;

_TEMP = 1;
_LP0 = _LP0 + ( -1.32227278850279) * _TEMP * _4_0;
_LP0 = _LP0 + (
-0.6614442399694) * _TEMP * _4_1;
_LP0 = _LP0 + ( -0.19356832047853) * _TEMP * _4_2;
_LP0 = _LP0 + (
0) * _TEMP * _4_3;
_TEMP = 1;
_LP0 = _LP0 + (
0.68773598682362) * _TEMP * _5_0;
_LP0 = _LP0 + (
0.24411484945259) * _TEMP * _5_1;
_LP0 = _LP0 + (
0.14132647020336) * _TEMP * _5_2;
_LP0 = _LP0 + (
0) * _TEMP * _5_3;
*** Effect: GRP_YAS ;
2565
2566
2567
2568
47
2569
2570
2571
2572
2573
2574
2575
2576
2577
2578
2579
2580
2581
2582
2583
2584
2585
2586
2587
2588
2589
2590
2591
2592
2593
2594
2595
2596
2597
2598
2599
2600
2601
2602
2603
2604
2605
2606
2607
2608
2609
2610
2611
2612
2613
2614
2615
2616
2617
2618
2619
2620
2621
_TEMP = 1;
_LP0 = _LP0 + (
_LP0 = _LP0 + (
_LP0 = _LP0 + (
0.55224095067034) * _TEMP * _6_0;

0.13686306990921) * _TEMP * _6_1;
0) * _TEMP * _6_2;
The SAS System

_TEMP =
0.39268749926599 + _LP0;
_TEMP = exp(_TEMP);
_P0 = _TEMP / (1 + _TEMP);
end;
else _P0 = 1 / (1 + exp(-_TEMP));
_P1 = 1.0 - _P0;
REG2DR1:
*** Residuals;
R_LGD_BINARY_0181 = .;
end;
else do;
label R_LGD_BINARY_0181 = 'Residual: LGD_BINARY_018=1' ;
R_LGD_BINARY_0181 = - _P0;
select( _Y );
when (0) R_LGD_BINARY_0181 = R_LGD_BINARY_0181 + 1;
end;
end;
label P_LGD_BINARY_0181 = 'Predicted: LGD_BINARY_018=1' ;
P_LGD_BINARY_0181 = _P0;
_MAXP = _P0;
_IY = 1;
_MAXP = _P1;
_IY = 2;
end;
I_LGD_BINARY_018 = REG2DRF[_IY];
U_LGD_BINARY_018 = REG2DRU[_IY];
*************************************;
*************************************;
*------------------------------------------------------------*;
* TOOL: Score Node;
* TYPE: ASSESS;
* NODE: Score;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
2622
2623
8';
2624
2625
2626
48
*------------------------------------------------------------*;
LABEL EM_EVENTPROBABILITY = 'Probability for level 1 of LGD_BINARY_01
EM_EVENTPROBABILITY = P_LGD_BINARY_0181;
EM_PROBABILITY =
The SAS System
2627
max(
2628
P_LGD_BINARY_0181
2629
,
2630
P_LGD_BINARY_0180
2631
);
2632
2633
LABEL EM_CLASSIFICATION = "Prediction for LGD_BINARY_018";
2634
EM_CLASSIFICATION = I_LGD_BINARY_018;
2635
LABEL EM_CLASSTARGET = 'Target Variable: LGD_BINARY_018';
2636
EM_CLASSTARGET = F_LGD_BINARY_018;
2637
2638
2639
2640
SKOR = LOG10( P_LGD_BINARY_0181/P_LGD_BINARY_0180 );
2641
2642
2643
PREDICTED_LGD =0;
2644
END;
2645
2646
2647
DO;
2648
BAKIYE_TL);
2649
END;
2650
2651
LGD_ORJ=0;
2652
END;
2653
2654
run;
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
ACILIS_BAK_LOG is uninitialized.
EGITIM_DURUMU is uninitialized.
GECIKME_GUN_SAYISI is uninitialized.
MBB_SISTEMI_ALT_TIPI is uninitialized.
MBB_SISTEMI_TIPI is uninitialized.
MEDENI_HALI is uninitialized.
REHIN_BEDELINE_GORE_CANLI_LTV is uninitialized.
REHIN_BEDELINE_GORE_TAKIP_LTV is uninitialized.
REHIN_TASIT_KASKO_TUTARI is uninitialized.
REHIN_TASIT_SATIS_TUTARI is uninitialized.
TAKIP_ACILIS_BAKIYESI is uninitialized.
TAKIP_ACILIS_BAK_LOG is uninitialized.
TEMINAT_TUTARINA_GORE_CANLI_LTV is uninitialized.
TOPLAM_GECIKME_GUN_SAYISI is uninitialized.
YAS_ORJ_KREDI is uninitialized.
BOLGE_KODU is uninitialized.
CINSIYETI is uninitialized.
NOTE: Variable SEHIR is uninitialized.

NOTE: Variable TARAF_VSAMUS_SEGMENT_TIPI is uninitialized.
NOTE: Variable LGD_BINARY_018 is uninitialized.
NOTE: There were 37202 observations read from the data set WORK.BIREYSEL_TASIT.
NOTE: The data set WORK.BIREYSEL_TASIT_TUM_DEGSKNLR has 37202 observations and 1
07 variables.
real time
0.39 seconds
cpu time
0.23 seconds
49
The SAS System

2655
2656
2657
2658
2659
2660
2661
2662
DATA BASELIRB.BIREYSEL_TASIT;
SET BASELIRB.BIREYSEL_TASIT;
DROP TARIH2;
run;
NOTE: There were 400142 observations read from the data set BASELIRB.BIREYSEL_TA
SIT.
NOTE: The data set BASELIRB.BIREYSEL_TASIT has 362940 observations and 107 varia
bles.
real time
4.97 seconds
cpu time
1.51 seconds
2663
2664
PROC SQL;
2665
insert into BASELIRB.BIREYSEL_TASIT
2666
select * from WORK.BIREYSEL_TASIT_TUM_DEGSKNLR;
NOTE: 37202 rows were inserted into BASELIRB.BIREYSEL_TASIT.
2667
QUIT;
real time
0.62 seconds
cpu time
0.27 seconds
2668
2669
2670
/* KONUT MODELI*/
2671
2672
proc sql;
2673
2674
password=XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX path='PDWH_SAS');
2675
2676
2677
quit;
real time
0.08 seconds
cpu time
0.01 seconds
2678
%put &ay;
31OCT2014
2679
2680
2681
2682
2683
2684
2685
2686
2687
2688
2689
2690
50
/* KONUT MODELI*/
%macro konut(ay);
proc sql;
password='{SAS002}0D36CB1B5A51291A50366D6C24DF9D88' path='PDWH_SAS');
create table WORK.BIREYSEL_KONUT as
(
The SAS System
2691
_TUTARI,0) as
2692
NAKIT_TEMINAT_TUTARI, BAKIYE * DOVIZ_ALIS as BAKIYE_TL, case when
2693
b.HESAP_ACILIS_SUBE_ALT_KANAL_ID = 999 then 34 else c.SUBE_ADRES_IL_
KODU end as IL_KODU,
2694
e.TOPLAM_GECIKME_TAKSIT_SAYISI, case when nvl(IPOTEK_TEMINAT_TUTARI,
0) = 0 then 0
2695
else case when (BAKIYE * DOVIZ_ALIS) / IPOTEK_TEMINAT_TUTARI > 1 the
n 1 else
2696
round((BAKIYE * DOVIZ_ALIS) / IPOTEK_TEMINAT_TUTARI,2) end end as
2697
TEMINAT_TUTARINA_GORE_TAKIP_ from PIRB.RSK_TKONSOLIDE_KREDI a, PDWH.
DWH_THESAP b
2698
2699
left outer join (
2700
select TARIH, MBB_NO, ANLASMA_ID, sum(IPOTEK_TEMINAT_TUTARI) as
2701
IPOTEK_TEMINAT_TUTARI, sum(NAKIT_TEMINAT_TUTARI) as NAKIT_TEMINAT_TUT
ARI from
2702
(
2703
select a.TARIH, a.MBB_NO, a.TEMINAT_NO, a.ANLASMA_ID, case when TEMIN
AT_TURU = 'Ipotek'
2704
then case when TEMINAT_TUTARI < (case when TAHMINI_SATIS_DEGERI >
2705
(case when EKSPERTIZ_DEGERI > MAHALLINDEKI_DURUM_DEGERI then EKSPERT
IZ_DEGERI else
2706
MAHALLINDEKI_DURUM_DEGERI end) then TAHMINI_SATIS_DEGERI else
2707
(case when EKSPERTIZ_DEGERI > MAHALLINDEKI_DURUM_DEGERI then EKSPERT
IZ_DEGERI else
2708
MAHALLINDEKI_DURUM_DEGERI end) end) then TEMINAT_TUTARI else
2709
(case when TAHMINI_SATIS_DEGERI > (case when EKSPERTIZ_DEGERI > MAHA
LLINDEKI_DURUM_DEGERI
2710
then EKSPERTIZ_DEGERI else MAHALLINDEKI_DURUM_DEGERI end) then TAHMI
NI_SATIS_DEGERI
2711
else (case when EKSPERTIZ_DEGERI > MAHALLINDEKI_DURUM_DEGERI then EK
SPERTIZ_DEGERI else
2712
MAHALLINDEKI_DURUM_DEGERI end) end) end else 0 end as IPOTEK_TEMINAT
_TUTARI,
2713
case when TEMINAT_TURU = 'Nakit' then TEMINAT_TUTARI * DOVIZ_ALIS els
e 0 end as
2714
NAKIT_TEMINAT_TUTARI from PIRB.RSK_TKONSOLIDE_TEMINAT a left outer j
oin PIRB.RSK_TKUR b
2715
on a.TEMINAT_DOVIZ_KODU = b.DOVIZ_KODU and a.TARIH = b.TARIH
2716
where a.TARIH = &ay
2717
2718
and a.KAYNAK = 'AK'
2719
UYGUNLUK_FLAG = 1)
2720
and TEMINAT_TURU in ('Ipotek', 'Nakit')
2721
)
2722
group by TARIH, MBB_NO, ANLASMA_ID) tem
2723
on b.ANLASMA_ID = tem.ANLASMA_ID, PDWH.DWH_THSP_TUKETICI_KREDI e, PIR
B.RSK_TKUR f
2724
2725
2726
and a.DOVIZ_KODU = f.DOVIZ_KODU
2727
and a.TARIH = f.TARIH
2728
and a.TARIH = &ay
2729
2730
and IPOTEK_KREDI_TIPI in ('1', '2', '3', '4')
2731
2732
2733
2734
2735
);
2736
2737
quit;
2738
%mend konut;
2739
%konut (TO_DATE(%str(%')&ay%str(%'),'DD/MM/YYYY'));
NOTE: Table WORK.BIREYSEL_KONUT created, with 186081 rows and 8 columns.
real time
15.77 seconds
cpu time
0.40 seconds
2740
2741
51
DATA WORK.BIREYSEL_KONUT_TUM_DEGSKNLR;
The SAS System
2742
2743
2744
2745
2746
2747
2748
2749
2750
2751
2752
2753
2754
2755
2756
2757
2758
2759
2760
2761
2762
2763
2764
2765
2766
SET WORK.BIREYSEL_KONUT;
*------------------------------------------------------------*;
* EM SCORE CODE;
* EM Version: 7.1;
* SAS Release: 9.03.01M1P110911;
* Host: sasskr1;
* Encoding: latin5;
* Locale: en_US;
* Diagram Name: LGD_KONUT;
* Date: 19SEP2013:17:46:45;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: SAMPLE;
* NODE: Ids;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: UTILITY;
* NODE: Meta9;
2767
2768
2769
2770
2771
2772
2773
2774
2775
2776
2777
2778
2779
2780
2781
2782
2783
2784
2785
2786
2787
2788
2789
2790
2791
2792
2793
2794
2795
2796
2797
2798
2799
52
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: CREDSCORE;
* NODE: IGN5;
*------------------------------------------------------------*;
drop _UFormat;
_UFormat='';
*------------------------------------------------------------*;
* Variable: ACILIS_BAKIYESI;
*------------------------------------------------------------*;
PROJE_KODU = 'TUK';
URUN_TIPI = '72';
LABEL GRP_ACILIS_BAKIYESI = "Grouped: ACILIS_BAKIYESI";
LABEL WOE_ACILIS_BAKIYESI = "Weight of Evidence: ACILIS_BAKIYESI";
if MISSING(ACILIS_BAKIYESI) then do;
GRP_ACILIS_BAKIYESI = 3;
WOE_ACILIS_BAKIYESI = 0.0656618825;
end;
else if NOT MISSING(ACILIS_BAKIYESI) then do;
if ACILIS_BAKIYESI < 30000 then do;
end;
else
The SAS System
2800
2801
2802
2803
2804
2805
2806
2807
2808
2809
2810
2811
2812
2813
2814
2815
2816
2817
2818
2819
2820
2821
2822
2823
if 30000 <= ACILIS_BAKIYESI AND ACILIS_BAKIYESI < 35000 then do;

end;
else
end;
else
WOE_ACILIS_BAKIYESI = -0.327743811;
end;
else
if 100000 <= ACILIS_BAKIYESI then do;
WOE_ACILIS_BAKIYESI = -0.191730169;
end;
end;
*------------------------------------------------------------*;
* Variable: ACILIS_BAKIYESI_TAKIP;
*------------------------------------------------------------*;
2824
LABEL GRP_ACILIS_BAKIYESI_TAKIP = "Grouped: ACILIS_BAKIYESI_TAKIP";
2825
LABEL WOE_ACILIS_BAKIYESI_TAKIP = "Weight of Evidence: ACILIS_BAKIYES
I_TAKIP";
2826
2827
if MISSING(ACILIS_BAKIYESI_TAKIP) then do;
2828
GRP_ACILIS_BAKIYESI_TAKIP = 3;
2829
WOE_ACILIS_BAKIYESI_TAKIP = 0.1890376127;
2830
end;
2831
else if NOT MISSING(ACILIS_BAKIYESI_TAKIP) then do;
2832
if ACILIS_BAKIYESI_TAKIP < 6866.8 then do;
2833
2834
2835
end;
2836
else
2837
if 6866.8 <= ACILIS_BAKIYESI_TAKIP AND ACILIS_BAKIYESI_TAKIP < 18925.
9 then do;
2838
2839
2840
end;
2841
else
2842
if 18925.9 <= ACILIS_BAKIYESI_TAKIP AND ACILIS_BAKIYESI_TAKIP < 41074
.63 then do;
2843
2844
2845
end;
2846
else
2847
if 41074.63 <= ACILIS_BAKIYESI_TAKIP AND ACILIS_BAKIYESI_TAKIP < 4729
1.95 then do;
2848
2849
WOE_ACILIS_BAKIYESI_TAKIP = -0.226379304;
2850
end;
2851
else
2852
if 47291.95 <= ACILIS_BAKIYESI_TAKIP then do;
2853
2854
WOE_ACILIS_BAKIYESI_TAKIP = -0.589351514;
2855
end;
2856
end;
2857
53
The SAS System
2858
2859
2860
2861
2862
L";
2863
2864
2865
2866
2867
2868
2869
2870
2871
2872
2873
2874
;
*------------------------------------------------------------*;
* Variable: ACILIS_BAKIYESI_TL;
*------------------------------------------------------------*;
LABEL GRP_ACILIS_BAKIYESI_TL = "Grouped: ACILIS_BAKIYESI_TL";
LABEL WOE_ACILIS_BAKIYESI_TL = "Weight of Evidence: ACILIS_BAKIYESI_T
if MISSING(ACILIS_BAKIYESI_TL) then do;
GRP_ACILIS_BAKIYESI_TL = 5;
WOE_ACILIS_BAKIYESI_TL = -0.300028983;
end;
else if NOT MISSING(ACILIS_BAKIYESI_TL) then do;
if ACILIS_BAKIYESI_TL < 35000 then do;
WOE_ACILIS_BAKIYESI_TL = 0.3123052641;
end;
else
if 35000 <= ACILIS_BAKIYESI_TL AND ACILIS_BAKIYESI_TL < 40500 then do
2875
2876
2877
2878
2879
;
2880
2881
2882
2883
2884
;
2885
2886
2887
2888
2889
2890
2891
2892
2893
2894
2895
2896
2897
2898
2899
;
2900
2901
2902
2903
2904
2905
2906
2907
2908
2909
2910
2911
2912
2913
2914
2915
54
end;
else
2916
2917
2918
2919
2920
2921
2922
2923
2924
2925
2926
2927
2928
if 4.68 <= ACILIS_BAK_TL_LOG AND ACILIS_BAK_TL_LOG < 4.78 then do;

GRP_ACILIS_BAK_TL_LOG = 3;
WOE_ACILIS_BAK_TL_LOG = 0.0942758587;
end;
else
WOE_ACILIS_BAK_TL_LOG = -0.350161158;
end;
else
if 4.95 <= ACILIS_BAK_TL_LOG then do;
end;
else
end;
else
if 60000 <= ACILIS_BAKIYESI_TL then do;
end;
end;
*------------------------------------------------------------*;
* Variable: ACILIS_BAK_TL_LOG;
*------------------------------------------------------------*;
LABEL GRP_ACILIS_BAK_TL_LOG = "Grouped: ACILIS_BAK_TL_LOG";
LABEL WOE_ACILIS_BAK_TL_LOG = "Weight of Evidence: ACILIS_BAK_TL_LOG"
if MISSING(ACILIS_BAK_TL_LOG) then do;
end;
else if NOT MISSING(ACILIS_BAK_TL_LOG) then do;
if ACILIS_BAK_TL_LOG < 4.61 then do;
end;
else
end;
else
The SAS System
2929
end;
2930
end;
2931
2932
*------------------------------------------------------------*;
2933
2934
*------------------------------------------------------------*;
2935
2936
I";
2937
2938
2939
2940
2941
end;
2942
2943
2944
2945
2946
end;
2947
else
2948
2949
2950
2951
end;
2952
else
2953
2954
2955
2956
end;
2957
else
2958
2959
2960
2961
end;
2962
else
2963
2964
2965
2966
end;
2967
end;
2968
2969
*------------------------------------------------------------*;
2970
2971
*------------------------------------------------------------*;
2972
_GEREKEN_SURE";
2973
55
The SAS System
2974
2975
2976
2977
2978
2979
2980
2981
2982

end;
2983
2984
2985
EKEN_SURE
2986
2987
2988
2989
2990
EKEN_SURE
2991
2992
2993
2994
2995
EKEN_SURE
2996
2997
2998
2999
3000
3001
3002
3003
3004
3005
3006
3007
3008
3009
3010
3011
3012
3013
3014
3015
3016
3017
3018
3019
3020
3021
3022
3023
3024
3025
3026
3027
3028
3029
3030
3031
56
3032
3033
3034
3035
3036
end;
else
< 1827 then do;
end;
else
< 2557 then do;
end;
else
< 3653 then do;
end;
else
end;
end;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
end;
end;
else
end;
else
end;
else
The SAS System
end;
else
3037
3038
3039
3040
end;
3041
end;
3042
3043
*------------------------------------------------------------*;
3044
3045
*------------------------------------------------------------*;
3046
3047
_ORAN";
3048
3049
3050
3051
3052
end;
3053
3054
3055
3056
3057
end;
3058
else
3059
if 0.09 <= HESAP_ACIK_SURE_ORAN AND HESAP_ACIK_SURE_ORAN < 0.2 then d
o;
3060
3061
3062
end;
3063
else
3064
if 0.2 <= HESAP_ACIK_SURE_ORAN AND HESAP_ACIK_SURE_ORAN < 0.33 then d
o;
3065
3066
3067
end;
3068
else
3069
do;
3070
3071
3072
end;
3073
else
3074
3075
3076
3077
end;
3078
end;
3079
3080
*------------------------------------------------------------*;
3081
3082
*------------------------------------------------------------*;
3083
RESI";
3084
_CALISMA_SURESI";
3085
3086
3087
3088
3089
end;
57
The SAS System

3090
3091
3092
3093
3094
3095
3096
then do;
3097
3098
3099
3100
3101
1 then do;
3102
3103
3104
3105
3106
3107
3108
3109
3110
3111
3112
3113
3114
3115
3116
AYISI";
3117
3118
3119
3120
3121
3122
3123
3124
3125
3126
3127
3128
3129
3130
3131
3132
3133
3134
3135
3136
3137
3138
3139
3140
3141
3142
3143
3144

end;
else
end;
else
end;
else
end;
end;
*------------------------------------------------------------*;
* Variable: ODENEN_TAKSIT_SAYISI;
*------------------------------------------------------------*;
LABEL GRP_ODENEN_TAKSIT_SAYISI = "Grouped: ODENEN_TAKSIT_SAYISI";
LABEL WOE_ODENEN_TAKSIT_SAYISI = "Weight of Evidence: ODENEN_TAKSIT_S
if MISSING(ODENEN_TAKSIT_SAYISI) then do;
end;
else if NOT MISSING(ODENEN_TAKSIT_SAYISI) then do;
if ODENEN_TAKSIT_SAYISI < 5 then do;
end;
else
end;
else
end;
else
end;
else
if 19 <= ODENEN_TAKSIT_SAYISI then do;
3145
3146
3147
58
end;
end;
The SAS System
3148
3149
*------------------------------------------------------------*;
3150
* Variable: ODENEN_TAKSIT_SAYISI_ORANI;
3151
*------------------------------------------------------------*;
3152
LABEL GRP_ODENEN_TAKSIT_SAYISI_ORANI = "Grouped: ODENEN_TAKSIT_SAYISI
_ORANI";
3153
LABEL WOE_ODENEN_TAKSIT_SAYISI_ORANI = "Weight of Evidence: ODENEN_TA
KSIT_SAYISI_ORANI";
3154
3155
if MISSING(ODENEN_TAKSIT_SAYISI_ORANI) then do;
3156
GRP_ODENEN_TAKSIT_SAYISI_ORANI = 3;
3157
WOE_ODENEN_TAKSIT_SAYISI_ORANI = 0.1252078741;
3158
end;
3159
else if NOT MISSING(ODENEN_TAKSIT_SAYISI_ORANI) then do;
3160
if ODENEN_TAKSIT_SAYISI_ORANI < 0.06 then do;
3161
3162
WOE_ODENEN_TAKSIT_SAYISI_ORANI = -0.790228592;
3163
end;
3164
else
3165
if 0.06 <= ODENEN_TAKSIT_SAYISI_ORANI AND ODENEN_TAKSIT_SAYISI_ORANI
< 0.15 then do;
3166
3167
WOE_ODENEN_TAKSIT_SAYISI_ORANI = -0.358369367;
3168
end;
3169
else
3170
< 0.35 then do;
3171
3172
3173
end;
3174
else
3175
< 0.47 then do;
3176
3177
3178
end;
3179
else
3180
if 0.47 <= ODENEN_TAKSIT_SAYISI_ORANI then do;
3181
3182
3183
end;
3184
end;
3185
3186
*------------------------------------------------------------*;
3187
* Variable: TAKIBE_DUSEN_HESAP_NUMARASI;
3188
*------------------------------------------------------------*;
3189
LABEL GRP_TAKIBE_DUSEN_HESAP_NUMARASI = "Grouped: TAKIBE_DUSEN_HESAP_
NUMARASI";
3190
LABEL WOE_TAKIBE_DUSEN_HESAP_NUMARASI = "Weight of Evidence: TAKIBE_D
USEN_HESAP_NUMARASI";
3191
3192
if MISSING(TAKIBE_DUSEN_HESAP_NUMARASI) then do;
3193
GRP_TAKIBE_DUSEN_HESAP_NUMARASI = 4;
3194
WOE_TAKIBE_DUSEN_HESAP_NUMARASI = 0.0437917151;
3195
end;
3196
else if NOT MISSING(TAKIBE_DUSEN_HESAP_NUMARASI) then do;
3197
if TAKIBE_DUSEN_HESAP_NUMARASI < 515751 then do;
3198
3199
WOE_TAKIBE_DUSEN_HESAP_NUMARASI = -1.191954394;
3200
end;
3201
else
3202
if 515751 <= TAKIBE_DUSEN_HESAP_NUMARASI AND TAKIBE_DUSEN_HESAP_NUMAR
ASI < 940736 then do;
3203
3204
3205
end;
59
The SAS System
3206
else
3207
if 940736 <= TAKIBE_DUSEN_HESAP_NUMARASI AND TAKIBE_DUSEN_HESAP_NUMAR
ASI < 2029773 then do;
3208
3209
3210
end;
3211
else
3212
if 2029773 <= TAKIBE_DUSEN_HESAP_NUMARASI AND TAKIBE_DUSEN_HESAP_NUMA
RASI < 2908818 then do;
3213
3214
3215
end;
3216
else
3217
if 2908818 <= TAKIBE_DUSEN_HESAP_NUMARASI then do;
3218
3219
3220
end;
3221
end;
3222
3223
*------------------------------------------------------------*;
3224
* Variable: TAKIP_ACILIS_BAKIYESI_LOG;
3225
*------------------------------------------------------------*;
3226
LABEL GRP_TAKIP_ACILIS_BAKIYESI_LOG = "Grouped: TAKIP_ACILIS_BAKIYESI
_LOG";
3227
LABEL WOE_TAKIP_ACILIS_BAKIYESI_LOG = "Weight of Evidence: TAKIP_ACIL
IS_BAKIYESI_LOG";
3228
3229
if MISSING(TAKIP_ACILIS_BAKIYESI_LOG) then do;
3230
GRP_TAKIP_ACILIS_BAKIYESI_LOG = 5;
3231
WOE_TAKIP_ACILIS_BAKIYESI_LOG = 0.7197643908;
3232
end;
3233
else if NOT MISSING(TAKIP_ACILIS_BAKIYESI_LOG) then do;
3234
if TAKIP_ACILIS_BAKIYESI_LOG < 4.28 then do;
3235
3236
3237
end;
3238
else
3239
if 4.28 <= TAKIP_ACILIS_BAKIYESI_LOG AND TAKIP_ACILIS_BAKIYESI_LOG <
4.58 then do;
3240
3241
3242
end;
3243
else
3244
if 4.58 <= TAKIP_ACILIS_BAKIYESI_LOG AND TAKIP_ACILIS_BAKIYESI_LOG <
4.68 then do;
3245
3246
WOE_TAKIP_ACILIS_BAKIYESI_LOG = -0.140889261;
3247
end;
3248
else
3249
if 4.68 <= TAKIP_ACILIS_BAKIYESI_LOG then do;
3250
3251
WOE_TAKIP_ACILIS_BAKIYESI_LOG = -0.590801841;
3252
end;
3253
end;
3254
3255
*------------------------------------------------------------*;
3256
* Variable: TAKIP_ACILIS_BAKIYESI_ORAN_TL;
3257
*------------------------------------------------------------*;
3258
LABEL GRP_TAKIP_ACILIS_BAKIYESI_ORAN_T = "Grouped: TAKIP_ACILIS_BAKIY
ESI_ORAN_TL";
3259
LABEL WOE_TAKIP_ACILIS_BAKIYESI_ORAN_T = "Weight of Evidence: TAKIP_A
CILIS_BAKIYESI_ORAN_TL";
3260
3261
if MISSING(TAKIP_ACILIS_BAKIYESI_ORAN_TL) then do;
3262
GRP_TAKIP_ACILIS_BAKIYESI_ORAN_T = 3;
3263
WOE_TAKIP_ACILIS_BAKIYESI_ORAN_T = 0.1620056136;
60
The SAS System
3264
end;
3265
else if NOT MISSING(TAKIP_ACILIS_BAKIYESI_ORAN_TL) then do;
3266
if TAKIP_ACILIS_BAKIYESI_ORAN_TL < 0.38 then do;
3267
3268
3269
end;
3270
else
3271
if 0.38 <= TAKIP_ACILIS_BAKIYESI_ORAN_TL AND TAKIP_ACILIS_BAKIYESI_OR
AN_TL < 0.71 then do;
3272
3273
3274
end;
3275
else
3276
3277
3278
3279
end;
3280
else
3281
3282
3283
WOE_TAKIP_ACILIS_BAKIYESI_ORAN_T = -0.391559933;
3284
end;
3285
else
3286
if 0.93 <= TAKIP_ACILIS_BAKIYESI_ORAN_TL then do;
3287
3288
WOE_TAKIP_ACILIS_BAKIYESI_ORAN_T = -0.921191282;
3289
end;
3290
end;
3291
3292
*------------------------------------------------------------*;
3293
* Variable: TEMINAT_TUTARINA_GORE_TAKIP_LTV;
3294
*------------------------------------------------------------*;
3295
LABEL GRP_TEMINAT_TUTARINA_GORE_TAKIP_ = "Grouped: TEMINAT_TUTARINA_G
ORE_TAKIP_LTV";
3296
LABEL WOE_TEMINAT_TUTARINA_GORE_TAKIP_ = "Weight of Evidence: TEMINAT
_TUTARINA_GORE_TAKIP_LTV";
3297
3298
if MISSING(TEMINAT_TUTARINA_GORE_TAKIP_) then do;
3299
GRP_TEMINAT_TUTARINA_GORE_TAKIP_ = 4;
3300
WOE_TEMINAT_TUTARINA_GORE_TAKIP_ = -0.922930743;
3301
end;
3302
else if NOT MISSING(TEMINAT_TUTARINA_GORE_TAKIP_) then do;
3303
if TEMINAT_TUTARINA_GORE_TAKIP_ < 0.58 then do;
3304
3305
WOE_TEMINAT_TUTARINA_GORE_TAKIP_ = 1.1304333268;
3306
end;
3307
else
3308
if 0.58 <= TEMINAT_TUTARINA_GORE_TAKIP_ AND TEMINAT_TUTARINA_GORE_TAK
IP_ < 0.85 then do;
3309
3310
WOE_TEMINAT_TUTARINA_GORE_TAKIP_ = 0.2352946117;
3311
end;
3312
else
3313
if 0.85 <= TEMINAT_TUTARINA_GORE_TAKIP_ AND TEMINAT_TUTARINA_GORE_TAK
IP_ < 0.93 then do;
3314
3315
3316
end;
3317
else
3318
if 0.93 <= TEMINAT_TUTARINA_GORE_TAKIP_ then do;
3319
3320
3321
end;
61
The SAS System
3322
3323
3324
3325
3326
3327
3328
D";
3329
3330
3331
3332
3333
3334
3335
3336
3337
3338
3339
3340
;
3341
3342
3343
3344
3345
;
3346
end;
*------------------------------------------------------------*;
* Variable: TEMINAT_TUTARI_UPD;
*------------------------------------------------------------*;
LABEL GRP_TEMINAT_TUTARI_UPD = "Grouped: TEMINAT_TUTARI_UPD";
LABEL WOE_TEMINAT_TUTARI_UPD = "Weight of Evidence: TEMINAT_TUTARI_UP
if MISSING(TEMINAT_TUTARI_UPD) then do;
GRP_TEMINAT_TUTARI_UPD = 5;
WOE_TEMINAT_TUTARI_UPD = -0.976684899;
end;
else if NOT MISSING(TEMINAT_TUTARI_UPD) then do;
if TEMINAT_TUTARI_UPD < 42725 then do;
WOE_TEMINAT_TUTARI_UPD = 0.2933261593;
end;
else
if 42725 <= TEMINAT_TUTARI_UPD AND TEMINAT_TUTARI_UPD < 50000 then do
end;
else
if 50000 <= TEMINAT_TUTARI_UPD AND TEMINAT_TUTARI_UPD < 60000 then do
3347
WOE_TEMINAT_TUTARI_UPD = 0.1675535509;
3348
end;
3349
else
3350
if 60000 <= TEMINAT_TUTARI_UPD then do;
3351
3352
3353
end;
3354
end;
3355
3356
*------------------------------------------------------------*;
3357
* Variable: TOPLAM_GECIKME_GUN_SAYISI;
3358
*------------------------------------------------------------*;
3359
LABEL GRP_TOPLAM_GECIKME_GUN_SAYISI = "Grouped: TOPLAM_GECIKME_GUN_SA
YISI";
3360
LABEL WOE_TOPLAM_GECIKME_GUN_SAYISI = "Weight of Evidence: TOPLAM_GEC
IKME_GUN_SAYISI";
3361
3362
if MISSING(TOPLAM_GECIKME_GUN_SAYISI) then do;
3363
3364
3365
end;
3366
else if NOT MISSING(TOPLAM_GECIKME_GUN_SAYISI) then do;
3367
if TOPLAM_GECIKME_GUN_SAYISI < 301 then do;
3368
3369
3370
end;
3371
else
3372
53 then do;
3373
3374
3375
end;
3376
else
3377
60 then do;
3378
3379
62
The SAS System
3380
end;
3381
else
3382
98 then do;
3383
3384
3385
end;
3386
else
3387
if 998 <= TOPLAM_GECIKME_GUN_SAYISI then do;
3388
3389
3390
end;
3391
end;
3392
3393
*------------------------------------------------------------*;
3394
3395
*------------------------------------------------------------*;
3396
SIT_SAYISI";
3397
3398
3399
3400
3401
3402
end;
3403
3404
3405
3406
3407
end;
3408
else
3409
< 10 then do;
3410
3411
3412
end;
3413
else
3414
I < 13 then do;
3415
3416
3417
end;
3418
else
3419
I < 19 then do;
3420
3421
3422
end;
3423
else
3424
3425
3426
3427
end;
3428
end;
3429
3430
*------------------------------------------------------------*;
3431
* Variable: VADE_SURESI;
3432
*------------------------------------------------------------*;
3433
LABEL GRP_VADE_SURESI = "Grouped: VADE_SURESI";
3434
LABEL WOE_VADE_SURESI = "Weight of Evidence: VADE_SURESI";
3435
3436
if MISSING(VADE_SURESI) then do;
3437
63
The SAS System
3438
3439
3440
3441
3442
3443
3444
3445
3446
3447
3448
3449
3450
end;
else if NOT MISSING(VADE_SURESI) then do;
if VADE_SURESI < 36 then do;
end;
else
end;
else
3451
3452
3453
3454
3455
3456
3457
3458
3459
3460
3461
3462
3463
3464
3465
3466
3467
3468
3469
3470
3471
3472
3473
3474
3475
3476
3477
3478
3479
3480
3481
3482
3483
3484
3485
3486
3487
3488
3489
3490
3491
3492
3493
3494
3495
64

end;
else
end;
else
if 106 <= VADE_SURESI then do;
end;
end;
3496
3497
3498
3499
3500
3501
3502
3503
3504
3505
3506
3507
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* Variable: YAS;
*------------------------------------------------------------*;
GRP_YAS = 1;
WOE_YAS = -0.348867066;
end;
GRP_YAS = 1;
WOE_YAS = -0.348867066;
end;
else
GRP_YAS = 2;
WOE_YAS = -0.097490771;
end;
else
GRP_YAS = 3;
WOE_YAS = 0.1002252657;
end;
end;
*------------------------------------------------------------*;
The SAS System

end;
3508
3509
3510
3511
3512
3513
3514
3515
3516
3517
3518
3519
3520
3521
3522
3523
3524
3525
3526
3527
3528
3529
3530
3531
3532
end;
else
end;
else
end;
else
end;
end;
3533
3534
3535
3536
3537
3538
3539
3540
3541
3542
3543
3544
3545
_UFORMAT
3546
3547
3548
65
GRP_BOLGE_KODU = 3;
end;
) then do;
GRP_BOLGE_KODU = 1;
end;
else
*------------------------------------------------------------*;
*------------------------------------------------------------*;
________
484

) then do;
GRP_BOLGE_KODU = 2;
The SAS System
3549
3550
end;
3551
else
3552
_UFORMAT eq '7080'
3553
OR _UFORMAT eq '7110' OR _UFORMAT eq '7140' OR _UFORMAT eq '7150' OR
_UFORMAT eq '7200'
3554
) then do;
3555
GRP_BOLGE_KODU = 3;
3556
3557
3558
3559
3560
3561
3562
3563
3564
3565
3566
3567
3568
3569
3570
3571
3572
3573
3574
3575
3576
3577
3578
3579
3580
3581
3582
3583
3584
3585
3586
3587
3588
end;
else
) then do;
GRP_BOLGE_KODU = 3;
end;
else
) then do;
GRP_BOLGE_KODU = 4;
end;
else
) then do;
GRP_BOLGE_KODU = 5;
end;
else do;
GRP_BOLGE_KODU = 3;
end;
end;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
________
484
3589
3590
3591
GRP_IL_KODU = 4;
3592
WOE_IL_KODU = 0.3262406865;
3593
end;
3594
3595
3596
_UFORMAT eq '41'
3597
) then do;
3598
GRP_IL_KODU = 1;
3599
WOE_IL_KODU = -0.486836536;
3600
end;
3601
else
66
The SAS System
3602
MAT eq '58' OR _UFORMAT
3603
_UFORMAT eq '9'
3604
) then do;
3605
GRP_IL_KODU = 1;
3606
WOE_IL_KODU = -0.486836536;
3607
end;
3608
else
3609
AT eq '42' OR _UFORMAT eq
3610
_UFORMAT eq '55'
3611
) then do;
3612
GRP_IL_KODU = 2;
3613
WOE_IL_KODU = -0.190695421;
3614
end;
3615
else
3616
MAT eq '78'
3617
OR _UFORMAT eq '81'
3618
) then do;
3619
GRP_IL_KODU = 2;
3620
WOE_IL_KODU = -0.190695421;
3621
end;
3622
else
3623
MAT eq '48'
3624
3625
) then do;
3626
GRP_IL_KODU = 3;
3627
WOE_IL_KODU = -0.005941759;
3628
end;
3629
else
3630
MAT eq '25'
3631
AT eq '34'
3632
OR _UFORMAT eq '39'
3633
) then do;
3634
GRP_IL_KODU = 4;
3635
WOE_IL_KODU = 0.3262406865;
3636
end;
3637
else
3638
MAT eq '5'
3639
MAT eq '66'
3640
OR _UFORMAT eq '68'
3641
) then do;
3642
GRP_IL_KODU = 4;
3643
WOE_IL_KODU = 0.3262406865;
3644
end;
3645
else
3646
3647
) then do;
3648
GRP_IL_KODU = 4;
3649
WOE_IL_KODU = 0.3262406865;
3650
end;
3651
else
3652
3653
UFORMAT eq '4'
3654
) then do;
3655
GRP_IL_KODU = 5;
3656
WOE_IL_KODU = 0.8449275337;
3657
end;
3658
else
3659
67
The SAS System
3660
3661
3662
3663
3664
3665
3666
3667
3668
3669
3670
3671
3672
3673
3674
3675
3676
) then do;
GRP_IL_KODU
WOE_IL_KODU
end;
else do;
GRP_IL_KODU
WOE_IL_KODU
end;
end;
= 5;
= 0.8449275337;
= 4;
= 0.3262406865;
*------------------------------------------------------------*;
* Variable: IPOTEK_CINSI;
*------------------------------------------------------------*;
LABEL GRP_IPOTEK_CINSI = "Grouped: IPOTEK_CINSI";
LABEL WOE_IPOTEK_CINSI = "Weight of Evidence: IPOTEK_CINSI";
_UFormat = put(IPOTEK_CINSI,$CHAR10.0);
_________
484
WARNING: Variable IPOTEK_CINSI has already been defined as numeric.
3677
3678
3679
GRP_IPOTEK_CINSI = 5;
3680
WOE_IPOTEK_CINSI = -0.426638562;
3681
end;
3682
3683
_UFORMAT eq '0021'
3684
_UFORMAT eq '0058'
3685
) then do;
3686
3687
3688
end;
3689
else
3690
if (_UFORMAT eq '22-KONUT' OR _UFORMAT eq 'DAIRE' OR _UFORMAT eq 'MAL
ATYA' OR _UFORMAT eq 'ISYERI'
3691
) then do;
3692
3693
3694
end;
3695
else
3696
if (_UFORMAT eq '0000' OR _UFORMAT eq '0001' OR _UFORMAT eq '2KONUT'
OR _UFORMAT eq '?000'
3697
OR _UFORMAT eq 'DKKAN'
3698
) then do;
3699
3700
3701
end;
3702
else
3703
if (_UFORMAT eq '0035' OR _UFORMAT eq 'DAIRE' OR _UFORMAT eq 'MESKEN'
3704
) then do;
3705
3706
WOE_IPOTEK_CINSI = 0.137479803;
3707
end;
3708
else
3709
_UFORMAT eq '0016'
3710
_UFORMAT eq 'ISYERI'
3711
) then do;
3712
68
The SAS System
3713
3714
end;
3715
else
3716
if (_UFORMAT eq 'KARASU' OR _UFORMAT eq 'KONUT'
3717
) then do;
3718
3719
3720
end;
3721
else
3722
if (_UFORMAT eq '0' OR _UFORMAT eq '00' OR _UFORMAT eq '0003' OR _UFO
RMAT eq '0004'
3723
OR _UFORMAT eq '0005' OR _UFORMAT eq '000?' OR _UFORMAT eq '001' OR _
UFORMAT eq '0020'
3724
OR _UFORMAT eq '0022'
3725
) then do;
3726
3727
3728
end;
3729
else
3730
_UFORMAT eq '004'
3731
_UFORMAT eq '0048'
3732
) then do;
3733
3734
3735
end;
3736
else
3737
_UFORMAT eq '0060'
3738
_UFORMAT eq '0069'
3739
) then do;
3740
3741
3742
end;
3743
else
3744
if (_UFORMAT eq '0077' OR _UFORMAT eq '0080' OR _UFORMAT eq '01' OR _
UFORMAT eq '0100'
3745
OR _UFORMAT eq '0101' OR _UFORMAT eq '025' OR _UFORMAT eq '027' OR _
UFORMAT eq '028'
3746
3747
) then do;
3748
3749
3750
end;
3751
else
3752
if (_UFORMAT eq '034' OR _UFORMAT eq '034"' OR _UFORMAT eq '0340' OR
_UFORMAT eq '038'
3753
OR _UFORMAT eq '052' OR _UFORMAT eq '054' OR _UFORMAT eq '06' OR _UFO
RMAT eq '0670'
3754
) then do;
3755
3756
3757
end;
3758
else
3759
if (_UFORMAT eq '06POLATLI' OR _UFORMAT eq '08' OR _UFORMAT eq '1' OR
_UFORMAT eq '10'
3760
OR _UFORMAT eq '21' OR _UFORMAT eq '30' OR _UFORMAT eq '3000' OR _UFO
RMAT eq '3100'
3761
OR _UFORMAT eq '34'
3762
) then do;
3763
3764
3765
end;
3766
else
3767
if (_UFORMAT eq '3400' OR _UFORMAT eq '35' OR _UFORMAT eq '3ISYERI' O
R _UFORMAT eq '41'
3768
OR _UFORMAT eq '4DIGER' OR _UFORMAT eq '6' OR _UFORMAT eq '?' OR _UF
ORMAT eq 'ADANA'
3769
) then do;
3770
69
The SAS System
3771
3772
end;
3773
else
3774
if (_UFORMAT eq 'AKSARAY' OR _UFORMAT eq 'ALAPLI' OR _UFORMAT eq 'ANK
ARA' OR _UFORMAT
3775
eq 'ANTALYA' OR _UFORMAT eq 'APARTMAN' OR _UFORMAT eq 'ARSA' OR _UFOR
MAT eq 'AYDIN'
3776
OR _UFORMAT eq 'BA0'
3777
) then do;
3778
3779
3780
end;
3781
else
3782
if (_UFORMAT eq 'BABADAG' OR _UFORMAT eq 'BAFRA' OR _UFORMAT eq 'BINA
LIARSA'
3783
OR _UFORMAT eq 'BURSA' OR _UFORMAT eq 'BRO' OR _UFORMAT eq 'DENIZLI' O
R _UFORMAT eq 'EV'
3784
OR _UFORMAT eq 'G.O.PASA'
3785
) then do;
3786
3787
3788
end;
3789
else
3790
if (_UFORMAT eq 'GEMLIK' OR _UFORMAT eq 'GEIBOLU' OR _UFORMAT eq 'HAT
AY' OR _UFORMAT eq
3791
'IIYERI' OR _UFORMAT eq 'ISYER,I' OR _UFORMAT eq 'K000' OR _UFORMAT
eq 'K0NUT'
3792
OR _UFORMAT eq 'KARGIR EV'
3793
) then do;
3794
3795
3796
end;
3797
else
3798
if (_UFORMAT eq 'KARZ' OR _UFORMAT eq 'KESKEN' OR _UFORMAT eq 'KEIREN'
OR _UFORMAT eq
3799
'KKONUT' OR _UFORMAT eq 'KOCAALI' OR _UFORMAT eq 'KOCAALI' OR _UFORMA
T eq 'KOCAELI'
3800
OR _UFORMAT eq 'KOMUT'
3801
) then do;
3802
3803
3804
end;
3805
else
3806
if (_UFORMAT eq 'KONBUT' OR _UFORMAT eq 'KONUR' OR _UFORMAT eq 'KONUT
MALT'
3807
OR _UFORMAT eq 'KONUT OSMA' OR _UFORMAT eq 'KONUT/KOCA' OR _UFORMAT e
q 'KONUTA'
3808
OR _UFORMAT eq 'KONUTT'
3809
) then do;
3810
3811
3812
end;
3813
else
3814
if (_UFORMAT eq 'L BURGAZ' OR _UFORMAT eq 'LLEBU' OR _UFORMAT eq 'LLEBU
RGAZ'
3815
OR _UFORMAT eq 'MALTEPE' OR _UFORMAT eq 'MANISA' OR _UFORMAT eq 'MERK
EZ' OR _UFORMAT eq 'MERSIN'
3816
) then do;
3817
3818
3819
end;
3820
else
3821
if (_UFORMAT eq 'MESK' OR _UFORMAT eq 'MESKAN' OR _UFORMAT eq 'MESKEN
N' OR _UFORMAT eq
3822
'MESKESN' OR _UFORMAT eq 'MSKEN' OR _UFORMAT eq 'SAKARYA' OR _UFORMA
T eq 'SAMSUN'
3823
OR _UFORMAT eq 'SKEN'
3824
) then do;
3825
3826
3827
end;
3828
else
70
The SAS System
3829
3830
3831
3832
3833
3834
3835
3836
3837
3838
3839
3840
3841
3842
if (_UFORMAT eq 'TUTUNIFTL' OR _UFORMAT eq 'TMK' OR _UFORMAT eq 'VAN'

OR _UFORMAT eq 'SKDAR' OR _UFORMAT eq 'ISTANBUL'
) then do;
end;
else do;
end;
end;
*------------------------------------------------------------*;
* Variable: IPOTEK_YERI;
3843
3844
3845
3846
3847
*------------------------------------------------------------*;
LABEL GRP_IPOTEK_YERI = "Grouped: IPOTEK_YERI";
LABEL WOE_IPOTEK_YERI = "Weight of Evidence: IPOTEK_YERI";
_UFormat = put(IPOTEK_YERI,$CHAR10.0);
_________
484
WARNING: Variable IPOTEK_YERI has already been defined as numeric.
3848
3849
3850
GRP_IPOTEK_YERI = 5;
3851
WOE_IPOTEK_YERI = -0.066328902;
3852
end;
3853
3854
if (_UFORMAT eq '033' OR _UFORMAT eq 'AMASYA' OR _UFORMAT eq 'BALIKES
IR' OR _UFORMAT eq
3855
'BANDIRMA' OR _UFORMAT eq 'BARTIN' OR _UFORMAT eq 'BAYBURT' OR _UFOR
MAT eq 'BOYABAT'
3856
) then do;
3857
3858
3859
end;
3860
else
3861
if (_UFORMAT eq 'BILECIK' OR _UFORMAT eq 'DENIZLI' OR _UFORMAT eq 'DI
DIM' OR _UFORMAT eq
3862
'DIDIM' OR _UFORMAT eq 'EDIRNE' OR _UFORMAT eq 'ESK' OR _UFORMAT eq
'HOPA'
3863
OR _UFORMAT eq 'KAYSERI'
3864
) then do;
3865
3866
3867
end;
3868
else
3869
if (_UFORMAT eq 'KOCAELI' OR _UFORMAT eq 'MALATYA' OR _UFORMAT eq 'NE
VSEHIR' OR _UFORMAT
3870
eq 'NIGDE' OR _UFORMAT eq 'RIZE' OR _UFORMAT eq 'SIVAS' OR _UFORMAT
eq 'TEKIRDAG'
3871
) then do;
3872
3873
3874
end;
3875
else
3876
if (_UFORMAT eq 'ADANA' OR _UFORMAT eq 'ADIYAMAN' OR _UFORMAT eq 'ALA
NYA' OR _UFORMAT eq
3877
'ANAMUR' OR _UFORMAT eq 'ANK' OR _UFORMAT eq 'ANKARA' OR _UFORMAT eq
'AYDIN' OR _UFORMAT eq 'BILECIK'
3878
) then do;
3879
3880
3881
end;
71
The SAS System
3882
else
3883
if (_UFORMAT eq 'DENIZLI' OR _UFORMAT eq 'DIYARBAKIR' OR _UFORMAT eq
'DIYARBAKIR' OR _UFORMAT
3884
eq 'ESKISEHIR' OR _UFORMAT eq 'GAZIANTEP' OR _UFORMAT eq 'GIRESUN' O
R _UFORMAT eq 'ISPARTA'
3885
) then do;
3886
3887
3888
end;
3889
else
3890
if (_UFORMAT eq 'IZMIR' OR _UFORMAT eq 'IZMIT' OR _UFORMAT eq 'IGDIR'
OR _UFORMAT eq 'KARABK'
3891
OR _UFORMAT eq 'KASTAMONU' OR _UFORMAT eq 'KAYSERI' OR _UFORMAT eq '
KIRKLARELI'
3892
) then do;
3893
3894
3895
end;
3896
else
3897
if (_UFORMAT eq 'KONYA' OR _UFORMAT eq 'MANISA' OR _UFORMAT eq 'MARMA
RIS' OR _UFORMAT eq 'MENEMEN'
3898
OR _UFORMAT eq 'MESKEN' OR _UFORMAT eq 'MUGLA' OR _UFORMAT eq 'NAZIL
LI' OR _UFORMAT eq 'ORDU'
3899
) then do;
3900
3901
3902
end;
3903
else
3904
if (_UFORMAT eq 'RIZE' OR _UFORMAT eq 'SAKARYA' OR _UFORMAT eq 'SAMSU
N' OR _UFORMAT eq 'SINOP'
3905
OR _UFORMAT eq 'SIVAS' OR _UFORMAT eq 'SINOP' OR _UFORMAT eq 'TEKIRD
AG' OR _UFORMAT eq 'ZONGULDAK'
3906
) then do;
3907
3908
3909
end;
3910
else
3911
if (_UFORMAT eq 'ERKEZKY' OR _UFORMAT eq 'IZMIR' OR _UFORMAT eq 'SANLIU
RFA'
3912
) then do;
3913
3914
3915
end;
3916
else
3917
if (_UFORMAT eq '1' OR _UFORMAT eq 'ADAPAZARI' OR _UFORMAT eq 'ANTALY
A' OR _UFORMAT eq
3918
'ARTVIN' OR _UFORMAT eq 'BAFRA' OR _UFORMAT eq 'BOLU' OR _UFORMAT eq
'BURSA' OR _UFORMAT eq 'DZCE'
3919
) then do;
3920
3921
WOE_IPOTEK_YERI = 0.3630894468;
3922
end;
3923
else
3924
if (_UFORMAT eq 'ERZURUM' OR _UFORMAT eq 'ERZINCAN' OR _UFORMAT eq 'E
SKISEHIR' OR _UFORMAT
3925
eq 'GAZIANTEP' OR _UFORMAT eq 'HATAY' OR _UFORMAT eq 'ISTANBUL' OR _U
FORMAT eq 'KDZEREGLI'
3926
) then do;
3927
3928
3929
end;
3930
else
3931
if (_UFORMAT eq 'KEMER' OR _UFORMAT eq 'KIRKLARELI' OR _UFORMAT eq 'K
OCAELI' OR _UFORMAT eq
3932
'KONUT' OR _UFORMAT eq 'KUSADASI' OR _UFORMAT eq 'KTAHYA' OR _UFORMAT
eq 'MANISA'
3933
) then do;
3934
3935
3936
end;
3937
else
3938
if (_UFORMAT eq 'MERSIN' OR _UFORMAT eq 'MERSIN' OR _UFORMAT eq 'NEVS
EHIR' OR _UFORMAT eq
3939
'NIGDE' OR _UFORMAT eq 'POLATLI' OR _UFORMAT eq 'TRABZON' OR _UFORMAT
eq 'YALOVA'
72
The SAS System
3940
) then do;
3941
3942
3943
end;
3944
else
3945
if (_UFORMAT eq 'YATAGAN' OR _UFORMAT eq 'ORLU' OR _UFORMAT eq 'IST' O
R _UFORMAT eq
3946
'ISTANBUL' OR _UFORMAT eq 'IZMIT'
3947
) then do;
3948
3949
3950
end;
3951
else
3952
if (_UFORMAT eq 'AFYON' OR _UFORMAT eq 'AGRI' OR _UFORMAT eq 'BALIKES
IR' OR _UFORMAT
3953
eq 'BOZYK' OR _UFORMAT eq 'EDIRNE' OR _UFORMAT eq 'ERBAA' OR _UFORMAT e
q 'GEMLIK'
3954
OR _UFORMAT eq 'GIRESUN'
3955
) then do;
3956
3957
3958
end;
3959
else
3960
if (_UFORMAT eq 'IST' OR _UFORMAT eq 'K.MARAS' OR _UFORMAT eq 'KARS'
OR _UFORMAT eq
3961
'KIRIKKALE' OR _UFORMAT eq 'LLEBURGAZ' OR _UFORMAT eq 'MARMARIS' OR _U
FORMAT eq 'MERZIFON'
3962
) then do;
3963
3964
3965
end;
3966
else
3967
if (_UFORMAT eq 'TARSUS' OR _UFORMAT eq 'TOKAT' OR _UFORMAT eq 'TRB'
OR _UFORMAT eq
3968
'YOZGAT' OR _UFORMAT eq 'ANAKKALE' OR _UFORMAT eq 'ANKIRI' OR _UFORMAT
eq 'AYCUMA'
3969
OR _UFORMAT eq 'ORUM'
3970
) then do;
3971
3972
3973
end;
3974
else
3975
if (_UFORMAT eq 'INEGL'
3976
) then do;
3977
3978
3979
end;
3980
else
3981
if (_UFORMAT eq
MAT eq '004'
3982
OR _UFORMAT eq
ORMAT eq '038'
3983
OR _UFORMAT eq
3984
) then do;
3985
GRP_IPOTEK_YERI
3986
WOE_IPOTEK_YERI
3987
end;
3988
else
3989
if (_UFORMAT eq
ORMAT eq '1.KARANTIN'
3990
OR _UFORMAT eq
RMAT eq '120000'
3991
) then do;
3992
GRP_IPOTEK_YERI
3993
WOE_IPOTEK_YERI
3994
end;
3995
else
3996
if (_UFORMAT eq
3997
OR _UFORMAT eq
MAT eq '35000'
73
10:24
'..' OR _UFORMAT eq '0' OR _UFORMAT eq '000' OR _UFOR

'01' OR _UFORMAT eq '010' OR _UFORMAT eq '034' OR _UF
'041'
= 5;
= -0.066328902;
'054' OR _UFORMAT eq '059' OR _UFORMAT eq '06' OR _UF
'10' OR _UFORMAT eq '100' OR _UFORMAT eq '11' OR _UFO
= 5;
= -0.066328902;
'123' OR _UFORMAT eq '140000' OR _UFORMAT eq '2.BLGE'
'25' OR _UFORMAT eq '33' OR _UFORMAT eq '34' OR _UFOR
The SAS System
Tuesday, December 9, 2014
3998
) then do;
3999
4000
4001
end;
4002
else
4003
if (_UFORMAT eq '39' OR _UFORMAT eq '40000' OR _UFORMAT eq '41' OR _U
FORMAT eq '42' OR _UFORMAT
4004
eq '43' OR _UFORMAT eq '48' OR _UFORMAT eq '50000' OR _UFORMAT eq '5
2' OR _UFORMAT eq '55'
4005
) then do;
4006
4007
4008
end;
4009
else
4010
if (_UFORMAT eq '58' OR _UFORMAT eq '60000' OR _UFORMAT eq '61' OR _U
FORMAT eq '65000' OR _UFORMAT
4011
eq '67' OR _UFORMAT eq '7' OR _UFORMAT eq '80000' OR _UFORMAT eq '85
000'
4012
) then do;
4013
4014
4015
end;
4016
else
4017
if (_UFORMAT eq '9999999999' OR _UFORMAT eq 'A' OR _UFORMAT eq 'AADAN
A' OR _UFORMAT eq 'ADA'
4018
OR _UFORMAT eq 'ADAN' OR _UFORMAT eq 'ADNA' OR _UFORMAT eq 'AKHISAR'
OR _UFORMAT eq 'AKSARAY'
4019
) then do;
4020
4021
4022
end;
4023
else
4024
if (_UFORMAT eq 'AKSIGORTA' OR _UFORMAT eq 'AKYAZI' OR _UFORMAT eq 'A
KAKOCA' OR _UFORMAT
4025
eq 'ALANAYA' OR _UFORMAT eq 'ALAPLI' OR _UFORMAT eq 'ALASEHIR' OR _UF
ORMAT eq 'ALIBEYKY'
4026
) then do;
4027
4028
4029
end;
4030
else
4031
if (_UFORMAT eq 'ALTINDAG' OR _UFORMAT eq 'ALTINTEPE' OR _UFORMAT eq
'ALTUNTABAK' OR _UFORMAT
4032
eq 'ALIAGA' OR _UFORMAT eq 'ANAMOR' OR _UFORMAT eq 'ANKATRA' OR _UFO
RMAT eq 'ANMAUR'
4033
) then do;
4034
4035
4036
end;
4037
else
4038
if (_UFORMAT eq 'ANTAKYA' OR _UFORMAT eq 'ARDESEN' OR _UFORMAT eq 'AR
DESEN/RI' OR _UFORMAT
4039
eq 'ARHAVI' OR _UFORMAT eq 'AS' OR _UFORMAT eq 'ATAKUM' OR _UFORMAT e
q 'ATATRK CA'
4040
) then do;
4041
4042
4043
end;
4044
else
4045
if (_UFORMAT eq 'AVANOS' OR _UFORMAT eq 'AVCILAR' OR _UFORMAT eq 'AYA
ZAGA' OR _UFORMAT
4046
eq 'AYDIN DIDI' OR _UFORMAT eq 'AYDIN SKE' OR _UFORMAT eq 'AYDIN INE'
OR _UFORMAT eq 'AYVALIK'
4047
) then do;
4048
4049
4050
end;
4051
else
4052
if (_UFORMAT eq 'B EKMECE' OR _UFORMAT eq 'B.EKMECE' OR _UFORMAT eq 'BA
HELIEVL' OR _UFORMAT
4053
eq 'BAKIRKY' OR _UFORMAT eq 'BALIKSESIR' OR _UFORMAT eq 'BAT' OR _UFOR
MAT eq 'BATMAN'
4054
) then do;
4055
74
The SAS System
4056
4057
end;
4058
else
4059
if (_UFORMAT eq 'BAYBURTY' OR _UFORMAT eq 'BAYINDIR' OR _UFORMAT eq '
BAGCILAR' OR _UFORMAT eq
4060
'BELEN' OR _UFORMAT eq 'BERGAMA' OR _UFORMAT eq 'BEYKOZ' OR _UFORMAT
eq 'BEYOGLU'
4061
) then do;
4062
4063
4064
end;
4065
else
4066
if (_UFORMAT eq 'BIGADI' OR _UFORMAT eq 'BILEIK' OR _UFORMAT eq 'BINGL'
OR _UFORMAT eq
4067
'BODRUM' OR _UFORMAT eq 'BOLVADIN' OR _UFORMAT eq 'BOR' OR _UFORMAT e
q 'BORNOVA' OR _UFORMAT eq 'BOGAZAK'
4068
) then do;
4069
4070
4071
end;
4072
else
4073
if (_UFORMAT eq 'BUCA' OR _UFORMAT eq 'BUCAK' OR _UFORMAT eq 'BURDUR'
OR _UFORMAT eq 'BURHANIYE'
4074
OR _UFORMAT eq 'BEKMECE' OR _UFORMAT eq 'BYKEKME' OR _UFORMAT eq 'BINGL'
4075
) then do;
4076
4077
4078
end;
4079
else
4080
if (_UFORMAT eq 'CEYHAN' OR _UFORMAT eq 'D BAKIR' OR _UFORMAT eq 'DAI
RE' OR _UFORMAT eq
4081
'DALAMAN' OR _UFORMAT eq 'DARICA/GEB' OR _UFORMAT eq 'DAVULTEPE' OR
_UFORMAT eq 'DBAKIR'
4082
) then do;
4083
4084
4085
end;
4086
else
4087
if (_UFORMAT eq 'DENZLI' OR _UFORMAT eq 'DERINCE' OR _UFORMAT eq 'DER
INCE' OR _UFORMAT eq
4088
'DEVREK' OR _UFORMAT eq 'DIDIM/AYDI' OR _UFORMAT eq 'DIGER' OR _UFORM
AT eq 'DKKAN'
4089
) then do;
4090
4091
4092
end;
4093
else
4094
if (_UFORMAT eq 'DIKILI' OR _UFORMAT eq 'DIYABAKIR' OR _UFORMAT eq 'D
IYARBAKIE' OR _UFORMAT eq
4095
'E' OR _UFORMAT eq 'EDREMIT' OR _UFORMAT eq 'EDREMIT' OR _UFORMAT eq
'ELAZIG' OR _UFORMAT eq 'ELI'
4096
) then do;
4097
4098
4099
end;
4100
else
4101
if (_UFORMAT eq 'ELMADAG' OR _UFORMAT eq 'ENEZ/EDIRN' OR _UFORMAT eq
'EPE' OR _UFORMAT eq
4102
'ER' OR _UFORMAT eq 'ERBAA/TOKA' OR _UFORMAT eq 'ERDEMLI' OR _UFORMAT
eq 'ERDEMLI'
4103
) then do;
4104
4105
4106
end;
4107
else
4108
if (_UFORMAT eq 'EREGLI' OR _UFORMAT eq 'EREGLI' OR _UFORMAT eq 'ERZ'
OR _UFORMAT eq 'ESENLER'
4109
OR _UFORMAT eq 'ESPIYE' OR _UFORMAT eq 'ETIMESGUT' OR _UFORMAT eq 'E
TLIK' OR _UFORMAT eq 'EYNESIL'
4110
) then do;
4111
4112
4113
end;
75
The SAS System
4114
else
4115
if (_UFORMAT eq 'EYP' OR _UFORMAT eq 'FATSA' OR _UFORMAT eq 'FATIH' OR
_UFORMAT eq 'FG'
4116
OR _UFORMAT eq 'G O PASA' OR _UFORMAT eq 'G O PASA' OR _UFORMAT eq
'GANTEP' OR _UFORMAT eq 'GAZAINTEP'
4117
) then do;
4118
4119
4120
end;
4121
else
4122
if (_UFORMAT eq 'GAZIANTE' OR _UFORMAT eq 'GAZIEMIR' OR _UFORMAT eq '
GEBZE' OR _UFORMAT eq
4123
'GELIBOLU' OR _UFORMAT eq 'GEMLIK' OR _UFORMAT eq 'GEYVE' OR _UFORMA
T eq 'GKEBEY'
4124
) then do;
4125
4126
4127
end;
4128
else
4129
if (_UFORMAT eq 'GLBASI' OR _UFORMAT eq 'GNEN' OR _UFORMAT eq 'GMSHANE' O
R _UFORMAT eq
4130
'GMSPALA' OR _UFORMAT eq 'GNGREN' OR _UFORMAT eq 'H' OR _UFORMAT eq 'HAYR
ABOLU'
4131
) then do;
4132
4133
4134
end;
4135
else
4136
if (_UFORMAT eq 'HENDEK' OR _UFORMAT eq 'HGHGHGHG' OR _UFORMAT eq 'HI
SARCIK' OR _UFORMAT eq
4137
'I' OR _UFORMAT eq 'IMAMOGLU' OR _UFORMAT eq 'INEGL' OR _UFORMAT eq 'I
SK' OR _UFORMAT eq 'ISKENDERUN'
4138
) then do;
4139
4140
4141
end;
4142
else
4143
if (_UFORMAT eq 'ISTNA' OR _UFORMAT eq 'ISTNABUL' OR _UFORMAT eq 'IZM
' OR _UFORMAT eq 'IZMIR KONU'
4144
OR _UFORMAT eq 'IZMSR' OR _UFORMAT eq 'IZNIK' OR _UFORMAT eq 'IZNMIR
'
4145
) then do;
4146
4147
4148
end;
4149
else
4150
if (_UFORMAT eq 'IERENKY' OR _UFORMAT eq 'JLKN' OR _UFORMAT eq 'K' OR _
UFORMAT eq 'K.YAKA'
4151
OR _UFORMAT eq 'K.EKMECE' OR _UFORMAT eq 'KADIKY' OR _UFORMAT eq 'KADIR
LI' OR _UFORMAT eq 'KADIRLI'
4152
) then do;
4153
4154
4155
end;
4156
else
4157
if (_UFORMAT eq 'KAHTA' OR _UFORMAT eq 'KANDIRA' OR _UFORMAT eq 'KARA
CABEY' OR _UFORMAT eq
4158
'KARAMAN' OR _UFORMAT eq 'KARAMANLI' OR _UFORMAT eq 'KARAMRSEL' OR _UF
ORMAT eq 'KARASU'
4159
) then do;
4160
4161
4162
end;
4163
else
4164
if (_UFORMAT eq 'KARTAL' OR _UFORMAT eq 'KARZ' OR _UFORMAT eq 'KARSIY
AKA' OR _UFORMAT eq
4165
'KAST' OR _UFORMAT eq 'KAY' OR _UFORMAT eq 'KAYNARCA' OR _UFORMAT eq
'KAYSRI' OR _UFORMAT eq 'KDZ EREGLI'
4166
) then do;
4167
4168
4169
end;
4170
else
4171
if (_UFORMAT eq 'KEMALPASA' OR _UFORMAT eq 'KESTEL' OR _UFORMAT eq 'K
E' OR _UFORMAT eq
76
The SAS System
4172
'KEIREN' OR _UFORMAT eq 'KESAN' OR _UFORMAT eq 'KIRIKHAN' OR _UFORMAT e
q 'KIRKAGA'
4173
) then do;
4174
4175
4176
end;
4177
else
4178
if (_UFORMAT eq 'KIRSEHIR' OR _UFORMAT eq 'KOCAALI' OR _UFORMAT eq 'K
OCAELI/GE' OR _UFORMAT
4179
eq 'KOCAKONAK' OR _UFORMAT eq 'KON' OR _UFORMAT eq 'KONAK' OR _UFORMA
T eq 'KONAK/5.'
4180
) then do;
4181
4182
4183
end;
4184
else
4185
if (_UFORMAT eq 'KONTYA' OR _UFORMAT eq 'KONUT BOR' OR _UFORMAT eq 'K
ONUT/VEZI' OR _UFORMAT
4186
eq 'KONUT/IST.' OR _UFORMAT eq 'KONYA/SEL' OR _UFORMAT eq 'KOZAN' OR _
UFORMAT eq 'KULA'
4187
) then do;
4188
4189
4190
end;
4191
else
4192
if (_UFORMAT eq 'KRFEZ' OR _UFORMAT eq 'KKEKME' OR _UFORMAT eq 'L BURGAZ'
OR _UFORMAT
4193
eq 'LALAHAN' OR _UFORMAT eq 'LARA' OR _UFORMAT eq 'MALKARA' OR _UFORM
AT eq 'MALTEPE'
4194
) then do;
4195
4196
4197
end;
4198
else
4199
if (_UFORMAT eq 'MAMAK' OR _UFORMAT eq 'MARDIN' OR _UFORMAT eq 'MARDI
N' OR _UFORMAT eq
4200
'MENTES' OR _UFORMAT eq 'MENTESE' OR _UFORMAT eq 'MERESIN' OR _UFORMA
T eq 'MERKEZ'
4201
) then do;
4202
4203
4204
end;
4205
else
4206
if (_UFORMAT eq 'MERZIFON' OR _UFORMAT eq 'MILAS' OR _UFORMAT eq 'MKE
MALPASA' OR _UFORMAT
4207
eq 'MKPASA' OR _UFORMAT eq 'MMM' OR _UFORMAT eq 'MOUGLA' OR _UFORMAT
eq 'MUDANYA'
4208
) then do;
4209
4210
4211
end;
4212
else
4213
if (_UFORMAT eq 'MURATLI' OR _UFORMAT eq 'MUGL' OR _UFORMAT eq 'MUS'
OR _UFORMAT eq 'MILAS'
4214
OR _UFORMAT eq 'MISKET' OR _UFORMAT eq 'NALACI' OR _UFORMAT eq 'NAZIL
LI' OR _UFORMAT eq 'NEV'
4215
) then do;
4216
4217
4218
end;
4219
else
4220
if (_UFORMAT eq 'NIYE' OR _UFORMAT eq 'NIZIP' OR _UFORMAT eq 'ORHANGA
ZI' OR _UFORMAT eq
4221
'ORHANGAZI' OR _UFORMAT eq 'ORTACA' OR _UFORMAT eq 'ORTACA/MUG' OR _U
FORMAT eq 'ORUD/FATSA'
4222
) then do;
4223
4224
4225
end;
4226
else
4227
if (_UFORMAT eq 'OSMANCIK' OR _UFORMAT eq 'OSMANGAZI' OR _UFORMAT eq
'OSMANIYE' OR _UFORMAT
4228
eq 'OSMANIYE' OR _UFORMAT eq 'PAZAR' OR _UFORMAT eq 'PENDIK' OR _UFOR
MAT eq 'POLATLI KO'
4229
) then do;
77
The SAS System
4230
4231
4232
end;
4233
else
4234
if (_UFORMAT eq 'PURSAKLAR' OR _UFORMAT eq 'RIZE/ARDES' OR _UFORMAT e
q 'RIZE/ARDES'
4235
OR _UFORMAT eq 'S' OR _UFORMAT eq 'SAKARTYA' OR _UFORMAT eq 'SALIHLI'
OR _UFORMAT eq 'SAMSUN BAF'
4236
) then do;
4237
4238
4239
end;
4240
else
4241
if (_UFORMAT eq 'SANDIKLI' OR _UFORMAT eq 'SARAYK' OR _UFORMAT eq 'SAR
IMSAKLI' OR _UFORMAT eq
4242
'SASMUN' OR _UFORMAT eq 'SEFAKY' OR _UFORMAT eq 'SEFERIHISA' OR _UFORM
AT eq 'SEFERIHISA'
4243
) then do;
4244
4245
4246
end;
4247
else
4248
if (_UFORMAT eq 'SEYHAN' OR _UFORMAT eq 'SEYHAN ADA' OR _UFORMAT eq '
SINCAN' OR _UFORMAT eq 'SOMA'
4249
OR _UFORMAT eq 'SUSURLUK' OR _UFORMAT eq 'SKE' OR _UFORMAT eq 'SGT' OR
_UFORMAT eq 'SILIVRI'
4250
) then do;
4251
4252
4253
end;
4254
else
4255
if (_UFORMAT eq 'SINCAN' OR _UFORMAT eq 'SIVEREK' OR _UFORMAT eq 'SII
RT' OR _UFORMAT eq 'TARBZON'
4256
OR _UFORMAT eq 'TAVSANLI' OR _UFORMAT eq 'TEK' OR _UFORMAT eq 'TEKIR
OVA'
4257
) then do;
4258
4259
4260
end;
4261
else
4262
if (_UFORMAT eq 'TIREBOLU' OR _UFORMAT eq 'TOKLU' OR _UFORMAT eq 'TOP
KAPI' OR _UFORMAT eq 'TORBALI'
4263
OR _UFORMAT eq 'TRABHZON' OR _UFORMAT eq 'TRABZPN' OR _UFORMAT eq 'T
RANZON'
4264
) then do;
4265
4266
4267
end;
4268
else
4269
if (_UFORMAT eq 'TURGUTLU /' OR _UFORMAT eq 'TURHAL' OR _UFORMAT eq '
TRKELI' OR _UFORMAT eq
4270
'TIRE' OR _UFORMAT eq 'TIREBOLU' OR _UFORMAT eq 'ULA' OR _UFORMAT eq
'URLA' OR _UFORMAT eq 'USAK'
4271
) then do;
4272
4273
4274
end;
4275
else
4276
if (_UFORMAT eq 'VAN' OR _UFORMAT eq 'VILLA' OR _UFORMAT eq 'YAHYALI'
OR _UFORMAT eq 'YAKACIK'
4277
OR _UFORMAT eq 'YARIMCA' OR _UFORMAT eq 'YESILYURT' OR _UFORMAT eq 'YR
EGIR' OR _UFORMAT eq 'ZONG'
4278
) then do;
4279
4280
4281
end;
4282
else
4283
if (_UFORMAT eq 'ANKAYA' OR _UFORMAT eq 'INARCIK Y' OR _UFORMAT eq 'INE/
AYDIN' OR _UFORMAT
4284
eq 'IGLI' OR _UFORMAT eq 'UBUK' OR _UFORMAT eq 'MRANIYE I' OR _UFORMAT
eq 'MRANIYE'
4285
) then do;
4286
4287
78
The SAS System
4288
end;
4289
else
4290
if (_UFORMAT eq 'NYE' OR _UFORMAT eq 'SKDAR' OR _UFORMAT eq 'IMRANLI' OR
_UFORMAT eq 'INCIRLI'
4291
OR _UFORMAT eq 'INEBOLU' OR _UFORMAT eq 'INN' OR _UFORMAT eq 'ISKENDERU
N' OR _UFORMAT eq 'ISR'
4292
) then do;
4293
4294
4295
end;
4296
else
4297
if (_UFORMAT eq 'IST.' OR _UFORMAT eq 'ISTANBUS' OR _UFORMAT eq 'ISTA
NUL' OR _UFORMAT eq 'ISTASYONCD'
4298
OR _UFORMAT eq 'IZMIRT' OR _UFORMAT eq 'IZNIK' OR _UFORMAT eq 'ISYER
I'
4299
) then do;
4300
4301
4302
end;
4303
else
4304
if (_UFORMAT eq 'SISLI'
4305
) then do;
4306
4307
4308
end;
4309
else do;
4310
4311
4312
end;
4313
end;
4314
4315
*------------------------------------------------------------*;
4316
* Variable: SEHIR;
4317
*------------------------------------------------------------*;
4318
4319
4320
4321
_________
484
4322
4323
4324
GRP_SEHIR = 4;
4325
WOE_SEHIR = 0.3262406865;
4326
end;
4327
4328
if (_UFORMAT eq 'ADIYAMAN' OR _UFORMAT eq 'ARTVIN' OR _UFORMAT eq 'AY
DIN' OR _UFORMAT eq 'BALIKESIR'
4329
OR _UFORMAT eq 'BARTIN' OR _UFORMAT eq 'BAYBURT' OR _UFORMAT eq 'BIL
ECIK'
4330
) then do;
4331
GRP_SEHIR = 1;
4332
WOE_SEHIR = -0.486836536;
4333
end;
4334
else
4335
if (_UFORMAT eq 'BURDUR' OR _UFORMAT eq 'DENIZLI' OR _UFORMAT eq 'EDI
RNE' OR _UFORMAT eq 'ESKISEHIR'
4336
OR _UFORMAT eq 'KAYSERI' OR _UFORMAT eq 'KOCAELI' OR _UFORMAT eq 'MAL
ATYA'
4337
) then do;
4338
GRP_SEHIR = 1;
4339
WOE_SEHIR = -0.486836536;
4340
end;
79
The SAS System

4341
else
4342
if (_UFORMAT eq 'OSMANIYE' OR _UFORMAT eq 'RIZE' OR _UFORMAT eq 'SINO
P' OR _UFORMAT eq 'SIVAS'
4343
) then do;
4344
GRP_SEHIR = 1;
4345
WOE_SEHIR = -0.486836536;
4346
end;
4347
else
4348
if (_UFORMAT eq 'ADANA' OR _UFORMAT eq 'DIYARBAKIR' OR _UFORMAT eq 'DZ
CE' OR _UFORMAT eq 'IGDIR'
4349
OR _UFORMAT eq 'KARABK' OR _UFORMAT eq 'KONYA' OR _UFORMAT eq 'MARDIN'
4350
) then do;
4351
GRP_SEHIR = 2;
4352
WOE_SEHIR = -0.190695421;
4353
end;
4354
else
4355
if (_UFORMAT eq 'NEVSEHIR' OR _UFORMAT eq 'NIGDE' OR _UFORMAT eq 'ORD
U' OR _UFORMAT eq 'SAMSUN'
4356
OR _UFORMAT eq 'ZONGULDAK' OR _UFORMAT eq 'IZMIR' OR _UFORMAT eq 'SAN
LIURFA'
4357
) then do;
4358
GRP_SEHIR = 2;
4359
WOE_SEHIR = -0.190695421;
4360
end;
4361
else
4362
if (_UFORMAT eq 'ANKARA' OR _UFORMAT eq 'BOLU' OR _UFORMAT eq 'KASTAM
ONU' OR _UFORMAT eq 'MANISA'
4363
OR _UFORMAT eq 'MUGLA' OR _UFORMAT eq 'SAKARYA' OR _UFORMAT eq 'TEKI
RDAG'
4364
) then do;
4365
GRP_SEHIR = 3;
4366
WOE_SEHIR = -0.005941759;
4367
end;
4368
else
4369
if (_UFORMAT eq 'AKSARAY' OR _UFORMAT eq 'AMASYA' OR _UFORMAT eq 'ANT
ALYA' OR _UFORMAT eq 'BATMAN'
4370
OR _UFORMAT eq 'BINGL' OR _UFORMAT eq 'BURSA' OR _UFORMAT eq 'ELAZIG'
OR _UFORMAT eq 'ERZURUM'
4371
) then do;
4372
GRP_SEHIR = 4;
4373
WOE_SEHIR = 0.3262406865;
4374
end;
4375
else
4376
if (_UFORMAT eq 'GAZIANTEP' OR _UFORMAT eq 'HATAY' OR _UFORMAT eq 'KA
RAMAN' OR _UFORMAT eq 'KIRKLARELI'
4377
OR _UFORMAT eq 'KIRSEHIR' OR _UFORMAT eq 'KTAHYA' OR _UFORMAT eq 'MUS
'
4378
) then do;
4379
GRP_SEHIR = 4;
4380
WOE_SEHIR = 0.3262406865;
4381
end;
4382
else
4383
if (_UFORMAT eq 'SIIRT' OR _UFORMAT eq 'USAK' OR _UFORMAT eq 'VAN' OR
_UFORMAT eq 'YOZGAT'
4384
OR _UFORMAT eq 'ISTANBUL' OR _UFORMAT eq 'IEL'
4385
) then do;
4386
GRP_SEHIR = 4;
4387
WOE_SEHIR = 0.3262406865;
4388
end;
4389
else
4390
if (_UFORMAT eq 'AFYONKARAHISAR' OR _UFORMAT eq 'AGRI' OR _UFORMAT eq
'ERZINCAN' OR _UFORMAT eq 'GIRESUN'
4391
OR _UFORMAT eq 'ISPARTA' OR _UFORMAT eq 'KAHRAMANMARAS' OR _UFORMAT
eq 'KARS'
4392
) then do;
4393
GRP_SEHIR = 5;
4394
WOE_SEHIR = 0.8449275337;
4395
end;
4396
else
4397
if (_UFORMAT eq 'KIRIKKALE' OR _UFORMAT eq 'TOKAT' OR _UFORMAT eq 'TR
ABZON' OR _UFORMAT eq 'YALOVA'
4398
OR _UFORMAT eq 'ANAKKALE' OR _UFORMAT eq 'ANKIRI' OR _UFORMAT eq 'ORUM'
80
The SAS System
4399
4400
4401
4402
4403
4404
4405
4406
4407
4408
4409
4410
4411
4412
4413
4414
4415
4416
4417
4418
4419
4420
4421
4422
4423
4424
4425
4426
4427
4428
4429
4430
4431
4432
4433
4434
4435
4436
4437
4438
4439
4440
4441
) then do;
GRP_SEHIR =
WOE_SEHIR =
end;
else do;
GRP_SEHIR =
WOE_SEHIR =
end;
end;
5;
0.8449275337;
4;
0.3262406865;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: UTILITY;
* NODE: Meta13;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: SAMPLE;
* NODE: Part2;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TOOL: Regression;
* TYPE: MODEL;
* NODE: Reg;
*------------------------------------------------------------*;
*************************************;
*************************************;
length _WARN_ $4;
length I_LGD_BINARY_025 $ 12;
label I_LGD_BINARY_025 = 'Into: LGD_BINARY_025' ;
*** Target Values;
array REGDRF [2] $12 _temporary_ ('1' '0' );
label U_LGD_BINARY_025 = 'Unnormalized Into: LGD_BINARY_025' ;
ARRAY REGDRU[2] _TEMPORARY_ (1 0);
4442
4443
4444
4445
4446
4447
4448
4449
4450
4451
4452
4453
4454
4455
4456
81
*** Generate dummy variables for LGD_BINARY_025 ;

drop _Y ;
label F_LGD_BINARY_025 = 'From: LGD_BINARY_025' ;
length F_LGD_BINARY_025 $ 12;
F_LGD_BINARY_025 = put( LGD_BINARY_025 , BEST12. );
%DMNORMIP( F_LGD_BINARY_025 )
if missing( LGD_BINARY_025 ) then do;
_Y = .;
end;
else do;
if F_LGD_BINARY_025 = '0' then do;
_Y = 1;
end;
else if F_LGD_BINARY_025 = '1' then do;
_Y = 0;
The SAS System
4457
4458
4459
4460
4461
4462
4463
4464
4465
4466
4467
4468
4469
4470
4471
4472
4473
4474
4475
4476
4477
4478
4479
4480
4481
4482
4483
4484
4485
4486
4487
4488
4489
4490
4491
4492
4493
4494
4495
4496
4497
4498
end;
else do;
_Y = .;
end;
end;
drop _DM_BAD;
_DM_BAD=0;
drop _1_0 _1_1 _1_2 _1_3 _1_4 ;
_1_0 = 0;
_1_1 = 0;
_1_2 = 0;
_1_3 = 0;
_1_4 = 0;
_1_0 = .;
_1_1 = .;
_1_2 = .;
_1_3 = .;
_1_4 = .;
_DM_BAD = 1;
end;
else do;
%DMNORMIP( _dm12 )
_1_0 = 1;
_dm_find = 1;
end;
else do;
_1_1 = 1;
_dm_find = 1;
end;
4499
4500
4501
4502
4503
4504
4505
4506
4507
4508
4509
4510
4511
4512
4513
4514
82
end;
end;
else do;
_1_2 = 1;
_dm_find = 1;
end;
end;
end;
else do;
_1_3 = 1;
_dm_find = 1;
end;
else do;
The SAS System
4515
4516
4517
4518
4519
4520
4521
4522
4523
4524
4525
4526
4527
4528
4529
4530
4531
4532
4533
4534
4535
4536
4537
4538
4539
4540
4541
4542
4543
4544
4545
4546
4547
4548
4549
4550
4551
4552
4553
4554
4555
_1_4 = 1;
_dm_find = 1;
end;
end;
end;
_1_0 = .;
_1_1 = .;
_1_2 = .;
_1_3 = .;
_1_4 = .;
_DM_BAD = 1;
end;
end;
*** Generate dummy variables for GRP_TEMINAT_TUTARINA_GORE_TAKIP_ ;
drop _2_0 _2_1 _2_2 _2_3 ;
_2_0 = 0;
_2_1 = 0;
_2_2 = 0;
_2_3 = 0;
if missing( GRP_TEMINAT_TUTARINA_GORE_TAKIP_ ) then do;
_2_0 = .;
_2_1 = .;
_2_2 = .;
_2_3 = .;
_DM_BAD = 1;
end;
else do;
_dm12 = put( GRP_TEMINAT_TUTARINA_GORE_TAKIP_ , BEST12. );
%DMNORMIP( _dm12 )
_2_1 = 1;
end;
_2_0 = 1;
end;
4556
4557
4558
4559
4560
4561
4562
4563
4564
4565
4566
4567
4568
4569
4570
4571
4572
83

_2_3 = 1;
end;
_2_2 = 1;
end;
else do;
_2_0 = .;
_2_1 = .;
_2_2 = .;
_2_3 = .;
_DM_BAD = 1;
end;
end;
4573
4574
4575
4576
4577
4578
4579
4580
4581
4582
4583
4584
4585
4586
4587
4588
4589
4590
4591
4592
4593
4594
4595
4596
4597
4598
4599
4600
4601
4602
4603
4604
4605
4606
4607
4608
4609
4610
4611
4612
drop _3_0 _3_1 _3_2 _3_3 _3_4 ;

_3_0 = 0;
_3_1 = 0;
_3_2 = 0;
_3_3 = 0;
_3_4 = 0;
_3_0 = .;
_3_1 = .;
_3_2 = .;
_3_3 = .;
_3_4 = .;
_DM_BAD = 1;
end;
else do;
%DMNORMIP( _dm12 )
_3_0 = 1;
_dm_find = 1;
end;
else do;
_3_1 = 1;
_dm_find = 1;
end;
end;
end;
else do;
_3_2 = 1;
_dm_find = 1;
end;
end;

The SAS System
4613
4614
4615
4616
4617
4618
4619
4620
4621
4622
4623
4624
4625
4626
4627
4628
4629
4630
84
end;
else do;
_3_3 = 1;
_dm_find = 1;
end;
else do;
_3_4 = 1;
_dm_find = 1;
end;
end;
end;
_3_0 = .;
_3_1 = .;
_3_2 = .;
_3_3 = .;
The SAS System
4631
4632
4633
4634
4635
4636
4637
4638
4639
4640
4641
4642
4643
4644
4645
4646
4647
4648
4649
4650
4651
4652
4653
4654
4655
4656
4657
4658
4659
4660
4661
4662
4663
4664
4665
4666
4667
4668
4669
_3_4 = .;
_DM_BAD = 1;
end;
end;
_P0 = 0.2914285714;
_P1 = 0.7085714286;
goto REGDR1;
end;
drop _TEMP;
drop _LP0;
_LP0 = 0;
_TEMP = 1;
_LP0 = _LP0 + (
1.16446194692221)
_LP0 = _LP0 + (
0.86587087230026)
_LP0 = _LP0 + (
0.63498435483962)
_LP0 = _LP0 + (
0.32512457475342)
_LP0 = _LP0 + (
0)
*
*
*
*
*
_TEMP
_TEMP
_TEMP
_TEMP
_TEMP
*
*
*
*
*
_1_0;
_1_1;
_1_2;
_1_3;
_1_4;
*** Effect: GRP_TEMINAT_TUTARINA_GORE_TAKIP_ ;

_TEMP = 1;
_LP0 = _LP0 + ( -1.78028010907732) * _TEMP * _2_0;
_LP0 = _LP0 + ( -0.85973413995214) * _TEMP * _2_1;
_LP0 = _LP0 + ( -0.46873654642785) * _TEMP * _2_2;
_LP0 = _LP0 + (
0) * _TEMP * _2_3;
_TEMP = 1;
_LP0 = _LP0 + (
0.83448998550298) * _TEMP * _3_0;
_LP0 = _LP0 + (
0.53846220293614) * _TEMP * _3_1;
_LP0 = _LP0 + (
0.41864899267133) * _TEMP * _3_2;
_LP0 = _LP0 + (
0.20797051099963) * _TEMP * _3_3;
4670
4671
4672
4673
4674
4675
4676
4677
4678
4679
4680
4681
4682
4683
4684
4685
4686
4687
4688
85
_LP0 = _LP0 + (
0) * _TEMP * _3_4;

_TEMP =
-1.16347075904594 + _LP0;
_TEMP = exp(_TEMP);
_P0 = _TEMP / (1 + _TEMP);
end;
else _P0 = 1 / (1 + exp(-_TEMP));
_P1 = 1.0 - _P0;
REGDR1:
*** Residuals;
end;
The SAS System
4689
4690
4691
4692
4693
4694
4695
4696
4697
4698
4699
4700
4701
4702
4703
4704
4705
4706
4707
4708
4709
4710
4711
4712
4713
4714
4715
4716
4717
4718
4719
4720
4721
4722
4723
4724
4725
5';
else do;
select( _Y );
end;
end;
_MAXP = _P0;
_IY = 1;
_MAXP = _P1;
_IY = 2;
end;
I_LGD_BINARY_025 = REGDRF[_IY];
U_LGD_BINARY_025 = REGDRU[_IY];
*************************************;
*************************************;
*------------------------------------------------------------*;
* TOOL: Score Node;
* TYPE: ASSESS;
* NODE: Score;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
LABEL EM_EVENTPROBABILITY = 'Probability for level 1 of LGD_BINARY_02
4726
4727
4728
4729
4730
4731
4732
4733
4734
4735
4736
4737
4738
4739
4740
4741
4742
4743
4744
4745
4746
86
EM_EVENTPROBABILITY = P_LGD_BINARY_0251;
EM_PROBABILITY =
max(
P_LGD_BINARY_0251
,
P_LGD_BINARY_0250
);
LABEL EM_CLASSIFICATION = "Prediction for LGD_BINARY_025";
EM_CLASSIFICATION = I_LGD_BINARY_025;
LABEL EM_CLASSTARGET = 'Target Variable: LGD_BINARY_025';
EM_CLASSTARGET = F_LGD_BINARY_025;
SKOR = LOG10( P_LGD_BINARY_0251/P_LGD_BINARY_0250 );
PREDICTED_LGD =0;
END;
The SAS System
4747
4748
4749
DO;
4750
BAKIYE_TL);
4751
END;
4752
4753
LGD_ORJ=0;
4754
END;
4755
4756
run;
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
Variable
ACILIS_BAKIYESI is uninitialized.
ACILIS_BAKIYESI_TAKIP is uninitialized.
ACILIS_BAKIYESI_TL is uninitialized.
ACILIS_BAK_TL_LOG is uninitialized.
GECIKME_GUN_SAYISI is uninitialized.
MUSTERIYLE_CALISMA_SURESI is uninitialized.
ODENEN_TAKSIT_SAYISI is uninitialized.
ODENEN_TAKSIT_SAYISI_ORANI is uninitialized.
TAKIBE_DUSEN_HESAP_NUMARASI is uninitialized.
TAKIP_ACILIS_BAKIYESI_LOG is uninitialized.
TAKIP_ACILIS_BAKIYESI_ORAN_TL is uninitialized.
TEMINAT_TUTARI_UPD is uninitialized.
TOPLAM_GECIKME_GUN_SAYISI is uninitialized.
VADE_SURESI is uninitialized.
YAS is uninitialized.
YAS_ORJ_KREDI is uninitialized.
BOLGE_KODU is uninitialized.
IPOTEK_CINSI is uninitialized.
IPOTEK_YERI is uninitialized.
SEHIR is uninitialized.
NOTE: Variable LGD_BINARY_025 is uninitialized.

NOTE: There were 186081 observations read from the data set WORK.BIREYSEL_KONUT.
NOTE: The data set WORK.BIREYSEL_KONUT_TUM_DEGSKNLR has 186081 observations and
101 variables.
real time
2.50 seconds
cpu time
1.57 seconds
4757
4758
4759
4760
4761
4762
4763
4764
DATA BASELIRB.BIREYSEL_KONUT;
SET BASELIRB.BIREYSEL_KONUT;
DROP TARIH2;
run;
NOTE: There were 1822702 observations read from the data set BASELIRB.BIREYSEL_K
ONUT.
NOTE: The data set BASELIRB.BIREYSEL_KONUT has 1636621 observations and 101 vari
ables.
real time
19.46 seconds
cpu time
6.49 seconds
87
The SAS System

4765
4766
PROC SQL;
4767
insert into BASELIRB.BIREYSEL_KONUT
4768
select * from WORK.BIREYSEL_KONUT_TUM_DEGSKNLR;
NOTE: 186081 rows were inserted into BASELIRB.BIREYSEL_KONUT.
4769
QUIT;
real time
2.81 seconds
cpu time
1.39 seconds
4770
4771
4772
4773
/*ARTIPARA MODEL*/
4774
4775
proc sql;
4776
4777
4778
4779
quit;
real time
0.04 seconds
cpu time
0.01 seconds
4780
%put &ay;
31OCT2014
4781
%macro artipara(ay);
4782
proc sql;
4783
4784
create table WORK.BIREYSEL_ARTIPARA as
4785
4786
(
4787
4788
4789
select a.TARIH, a.KREDI_HESAP_ID, a.KREDI_HESAP_NO, e.GECIKME_GUN_SAY
ISI, (&ay - a.ACILIS_TARIHI) as HESAP_ACIK_SURE,
4790
case when b.HESAP_ACILIS_SUBE_ALT_KANAL_ID = 999 then 34 else c.SUBE
_ADRES_IL_KODU end as IL_KODU, case when
4791
d.DOGUM_TARIHI is null then null else round((&ay - d.DOGUM_TARIHI)/3
65,0) end as YAS from PIRB.RSK_TKONSOLIDE_KREDI a
4792
left outer join PDWH.DWH_THSP_ARTIPARA_SNP e on a.KREDI_HESAP_ID = e.
HESAP_ID and a.TARIH = e.TARIH
4793
, PDWH.DWH_THESAP b
4794
4795
left outer join (
4796
select e.TARAF_ID, e.MUSTERI_KAYIT_TARIHI, f.DOGUM_TARIHI from PDWH.D
WH_TTARAF e
4797
left outer join PDWH.DWH_TTARAF_GERCEK f on e.TARAF_ID = f.TARAF_ID)
d
4798
on b.HESAP_ANA_SAHIBI_TARAF_ID = d.TARAF_ID
4799
4800
and a.TARIH = &ay
4801
and a.PROJE_KODU = 'ART'
4802
and a.MEVCUT_URUN_ID = 527
4803
4804
);
4805
4806
quit;
4807
%mend artipara;
4808
%artipara (TO_DATE(%str(%')&ay%str(%'),'DD/MM/YYYY'));
NOTE: Table WORK.BIREYSEL_ARTIPARA created, with 4100060 rows and 7 columns.
88
The SAS System
real time
13:58.05
cpu time
7.00 seconds
4809
4810
4811
4812
4813
4814
4815
4816
4817
4818
4819
4820
4821
4822
DATA WORK.BIREYSEL_ARTIPARA_TUM_DEGSKNLR;
SET WORK.BIREYSEL_ARTIPARA;
*------------------------------------------------------------*;
* EM SCORE CODE;
* EM Version: 7.1;
* SAS Release: 9.03.01M1P110911;
* Host: sasskr1;
* Encoding: latin5;
* Locale: en_US;
4823
4824
4825
4826
4827
4828
4829
4830
4831
4832
4833
4834
4835
4836
4837
4838
4839
4840
4841
4842
4843
4844
4845
4846
4847
4848
4849
4850
4851
4852
4853
4854
4855
4856
4857
LOG";
4858
4859
4860
89
* Diagram Name: LGD_ARTIPARA;

* Date: 20SEP2013:12:16:57;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: SAMPLE;
* NODE: Ids3;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: UTILITY;
* NODE: Meta13;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: CREDSCORE;
* NODE: IGN7;
*------------------------------------------------------------*;
drop _UFormat;
_UFormat='';
*------------------------------------------------------------*;
* Variable: ACILIS_BAKIYESI_LOG;
*------------------------------------------------------------*;
PROJE_KODU = 'ART';
URUN_TIPI = '31';
LABEL GRP_ACILIS_BAKIYESI_LOG = "Grouped: ACILIS_BAKIYESI_LOG";
LABEL WOE_ACILIS_BAKIYESI_LOG = "Weight of Evidence: ACILIS_BAKIYESI_
if MISSING(ACILIS_BAKIYESI_LOG) then do;
GRP_ACILIS_BAKIYESI_LOG = 2;
The SAS System
4861
4862
4863
4864
4865
4866
4867
4868
4869
4870
4871
4872
4873
4874
4875
4876
4877
4878
WOE_ACILIS_BAKIYESI_LOG = 0.1706506744;
end;
else if NOT MISSING(ACILIS_BAKIYESI_LOG) then do;
if ACILIS_BAKIYESI_LOG < 1.9 then do;
WOE_ACILIS_BAKIYESI_LOG = -0.611618217;
end;
else
if 1.9 <= ACILIS_BAKIYESI_LOG AND ACILIS_BAKIYESI_LOG < 2.64 then do;
WOE_ACILIS_BAKIYESI_LOG = 0.1706506744;
end;
else
if 2.64 <= ACILIS_BAKIYESI_LOG then do;
WOE_ACILIS_BAKIYESI_LOG = -0.019431597;
end;
end;
4879
4880
4881
4882
4883
4884
G";
4885
4886
4887
4888
4889
4890
4891
4892
4893
4894
4895
4896
4897
4898
4899
4900
4901
4902
4903
4904
4905
4906
4907
4908
4909
4910
4911
I";
4912
4913
4914
4915
4916
4917
4918
90
*------------------------------------------------------------*;
* Variable: ARTIPARA_LIMIT_LOG;
*------------------------------------------------------------*;
LABEL GRP_ARTIPARA_LIMIT_LOG = "Grouped: ARTIPARA_LIMIT_LOG";
LABEL WOE_ARTIPARA_LIMIT_LOG = "Weight of Evidence: ARTIPARA_LIMIT_LO
if MISSING(ARTIPARA_LIMIT_LOG) then do;
GRP_ARTIPARA_LIMIT_LOG = 3;
WOE_ARTIPARA_LIMIT_LOG = 0.0889918964;
end;
else if NOT MISSING(ARTIPARA_LIMIT_LOG) then do;
if ARTIPARA_LIMIT_LOG < 2 then do;
WOE_ARTIPARA_LIMIT_LOG = -0.485104115;
end;
else
if 2 <= ARTIPARA_LIMIT_LOG AND ARTIPARA_LIMIT_LOG < 2.48 then do;
end;
else
if 2.48 <= ARTIPARA_LIMIT_LOG then do;
end;
end;
*------------------------------------------------------------*;
* Variable: ARTIPARA_TL_LIMITI;
*------------------------------------------------------------*;
LABEL GRP_ARTIPARA_TL_LIMITI = "Grouped: ARTIPARA_TL_LIMITI";
LABEL WOE_ARTIPARA_TL_LIMITI = "Weight of Evidence: ARTIPARA_TL_LIMIT
if MISSING(ARTIPARA_TL_LIMITI) then do;
GRP_ARTIPARA_TL_LIMITI = 2;
WOE_ARTIPARA_TL_LIMITI = 0.0108244094;
end;
else if NOT MISSING(ARTIPARA_TL_LIMITI) then do;
if ARTIPARA_TL_LIMITI < 65.37 then do;
The SAS System
4919
4920
4921
4922
4923
4924
4925
4926
4927
4928
4929
4930
4931
4932
4933
WOE_ARTIPARA_TL_LIMITI = -0.568905129;
end;
else
if 65.37 <= ARTIPARA_TL_LIMITI AND ARTIPARA_TL_LIMITI < 400 then do;
end;
else
if 400 <= ARTIPARA_TL_LIMITI then do;
end;
end;
4934
4935
4936
4937
4938
I";
4939
4940
4941
4942
4943
4944
4945
4946
4947
4948
4949
4950
4951
4952
4953
4954
4955
4956
4957
4958
4959
4960
4961
4962
4963
4964
4965
4966
4967
4968
4969
4970
4971
4972
4973
4974
4975
4976
91
*------------------------------------------------------------*;
*------------------------------------------------------------*;
end;
end;
else
end;
else
end;
end;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
end;
end;
else
The SAS System
4977
4978
4979
4980
4981
4982
4983
4984
4985
4986
4987
4988
4989

end;
else
end;
else
4990
end;
4991
end;
4992
4993
*------------------------------------------------------------*;
4994
4995
*------------------------------------------------------------*;
4996
RESI";
4997
_CALISMA_SURESI";
4998
4999
5000
5001
5002
end;
5003
5004
5005
5006
5007
end;
5008
else
5009
032 then do;
5010
5011
5012
end;
5013
else
5014
5015
5016
5017
end;
5018
end;
5019
5020
*------------------------------------------------------------*;
5021
* Variable: YAS;
5022
*------------------------------------------------------------*;
5023
5024
5025
5026
5027
GRP_YAS = 3;
5028
WOE_YAS = -0.101391682;
5029
end;
5030
5031
5032
GRP_YAS = 1;
5033
WOE_YAS = 0.2962018321;
5034
end;
92
The SAS System
5035
5036
5037
5038
5039
5040
5041
5042
5043
else
GRP_YAS = 2;
WOE_YAS = 0.0147303644;
end;
else
GRP_YAS = 3;
WOE_YAS = -0.101391682;
5044
5045
5046
5047
5048
5049
5050
5051
5052
5053
5054
5055
5056
5057
5058
5059
5060
5061
5062
5063
5064
5065
5066
5067
5068
5069
5070
5071
5072
5073
5074
5075
5076
5077
5078
5079
5080
5081
5082
5083
5084
5085
end;
end;
5086
5087
93
*------------------------------------------------------------*;
*------------------------------------------------------------*;
end;
end;
else
end;
else
end;
else
end;
end;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
________
484
The SAS System

5088
5089
5090
5091
5092
_UFORMAT
5093
5094
GRP_BOLGE_KODU = 5;
end;
eq '7180'
) then do;
5095
5096
5097
5098
5099
_UFORMAT
5100
5101
5102
5103
5104
5105
5106
_UFORMAT
5107
5108
5109
5110
5111
5112
5113
_UFORMAT
5114
5115
5116
5117
5118
5119
5120
5121
5122
5123
5124
5125
5126
5127
5128
5129
5130
5131
5132
5133
5134
5135
5136
5137
5138
5139
5140
5141
5142
5143
5144
5145
94
GRP_BOLGE_KODU = 1;
end;
else
) then do;
GRP_BOLGE_KODU = 2;
end;
else
eq '7070'
) then do;
GRP_BOLGE_KODU = 3;
end;
else
eq '7160'
) then do;
GRP_BOLGE_KODU = 4;
end;
else do;
GRP_BOLGE_KODU = 5;
end;
end;
_UFORMAT eq '7200'

*------------------------------------------------------------*;
* Variable: EGITIM_DURUMU;
*------------------------------------------------------------*;
LABEL GRP_EGITIM_DURUMU = "Grouped: EGITIM_DURUMU";
LABEL WOE_EGITIM_DURUMU = "Weight of Evidence: EGITIM_DURUMU";
_UFormat = put(EGITIM_DURUMU,BEST12.0);
end;
if (_UFORMAT eq '1'
) then do;
end;
else
) then do;
The SAS System
5146
5147
5148
end;
else
5149
5150
5151
5152
5153
5154
5155
eq '9'
5156
5157
5158
5159
5160
5161
5162
5163
5164
5165
5166
5167
5168
5169
5170
5171
5172
if (_UFORMAT eq '4'
) then do;
GRP_EGITIM_DURUMU =
WOE_EGITIM_DURUMU =
end;
else
if (_UFORMAT eq '0'
) then do;
GRP_EGITIM_DURUMU
WOE_EGITIM_DURUMU
end;
else do;
GRP_EGITIM_DURUMU
WOE_EGITIM_DURUMU
end;
end;
OR _UFORMAT eq '6'
3;
0.1387870026;
OR _UFORMAT eq '5' OR _UFORMAT eq '7' OR _UFORMAT
= 4;
= 0.2350355175;
= 1;
= -0.116927354;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
________
484
5173
5174
5175
GRP_IL_KODU = 1;
5176
WOE_IL_KODU = -0.434696159;
5177
end;
5178
5179
5180
) then do;
5181
GRP_IL_KODU = 1;
5182
WOE_IL_KODU = -0.434696159;
5183
end;
5184
else
5185
5186
R _UFORMAT eq '35'
5187
) then do;
5188
GRP_IL_KODU = 2;
5189
WOE_IL_KODU = -0.106999439;
5190
end;
5191
else
5192
5193
_UFORMAT eq '77'
5194
) then do;
5195
GRP_IL_KODU = 2;
5196
WOE_IL_KODU = -0.106999439;
5197
end;
5198
95
else
The SAS System
5199
if (_UFORMAT eq '9'
5200
) then do;
5201
GRP_IL_KODU = 2;
5202
WOE_IL_KODU = -0.106999439;
5203
end;
5204
else
5205
5206
AT eq '32'
5207
) then do;
5208
GRP_IL_KODU = 3;
5209
WOE_IL_KODU = 0.1887396763;
5210
end;
5211
else
5212
5213
UFORMAT eq '53'
5214
) then do;
5215
GRP_IL_KODU = 3;
5216
WOE_IL_KODU = 0.1887396763;
5217
end;
5218
else
5219
5220
_UFORMAT eq '74'
5221
) then do;
5222
GRP_IL_KODU = 3;
5223
WOE_IL_KODU = 0.1887396763;
5224
end;
5225
else
5226
AT eq '81'
5227
) then do;
5228
GRP_IL_KODU = 3;
5229
WOE_IL_KODU = 0.1887396763;
5230
end;
5231
else
5232
5233
R _UFORMAT eq '4'
5234
) then do;
5235
GRP_IL_KODU = 4;
5236
WOE_IL_KODU = 0.64874829;
5237
end;
5238
else
5239
5240
R _UFORMAT eq '69'
5241
) then do;
5242
GRP_IL_KODU = 4;
5243
WOE_IL_KODU = 0.64874829;
5244
5245
5246
5247
5248
5249
5250
5251
5252
5253
5254
5255
5256
96
end;
else
) then do;
GRP_IL_KODU = 4;
WOE_IL_KODU = 0.64874829;
end;
else do;
GRP_IL_KODU = 1;
WOE_IL_KODU = -0.434696159;
end;
end;
The SAS System
5257
5258
5259
5260
5261
5262
5263
5264
5265
5266
5267
5268
5269
5270
5271
5272
5273
5274
5275
5276
5277
5278
5279
5280
5281
5282
5283
5284
5285
5286
5287
5288
5289
5290
5291
5292
5293
5294
5295
5296
5297
5298
5299
5300
*------------------------------------------------------------*;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: UTILITY;
* NODE: Meta14;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: SAMPLE;
* NODE: Part2;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TOOL: Regression;
* TYPE: MODEL;
* NODE: Reg5;
*------------------------------------------------------------*;
*************************************;
*************************************;
length _WARN_ $4;
*** Target Values;
drop _Y ;
_Y = .;
end;
else do;
5301
5302
5303
5304
5305
5306
5307
5308
5309
5310
5311
5312
5313
5314
97
_Y = 1;
end;
_Y = 0;
end;
else do;
_Y = .;
end;
end;
5315
5316
5317
5318
5319
5320
5321
5322
5323
5324
5325
5326
5327
5328
5329
5330
5331
5332
5333
5334
5335
5336
5337
5338
5339
5340
5341
5342
5343
5344
5345
5346
5347
5348
5349
5350
5351
5352
5353
5354
5355
5356
5357
drop _1_0 _1_1 _1_2 ;

_1_0 = 0;
_1_1 = 0;
_1_2 = 0;
if missing( GRP_GECIKME_GUN_SAYISI ) then do;
_1_0 = .;
_1_1 = .;
_1_2 = .;
_DM_BAD = 1;
end;
else do;
_dm12 = put( GRP_GECIKME_GUN_SAYISI , BEST12. );
%DMNORMIP( _dm12 )
_1_0 = 1;
end;
_1_1 = 1;
end;
_1_2 = 1;
end;
else do;
_1_0 = .;
_1_1 = .;
_1_2 = .;
_DM_BAD = 1;
end;
end;
drop _DM_BAD;
_DM_BAD=0;
*** Generate dummy variables for GRP_GECIKME_GUN_SAYISI ;
The SAS System
*** Generate dummy variables for GRP_HESAP_ACIK_SURE ;

drop _2_0 _2_1 _2_2 _2_3 ;
_2_0 = 0;
_2_1 = 0;
_2_2 = 0;
_2_3 = 0;
if missing( GRP_HESAP_ACIK_SURE ) then do;
_2_0 = .;
5358
5359
5360
5361
5362
5363
5364
5365
5366
5367
5368
5369
5370
5371
5372
98
_2_1 = .;
_2_2 = .;
_2_3 = .;
_DM_BAD = 1;
end;
else do;
_dm12 = put( GRP_HESAP_ACIK_SURE , BEST12. );
%DMNORMIP( _dm12 )
_2_2 = 1;
end;
_2_3 = 1;
The SAS System
5373
5374
5375
5376
5377
5378
5379
5380
5381
5382
5383
5384
5385
5386
5387
5388
5389
5390
5391
5392
5393
5394
5395
5396
5397
5398
5399
5400
5401
5402
5403
5404
5405
5406
5407
5408
5409
5410
5411
5412
5413
5414
end;
_2_1 = 1;
end;
_2_0 = 1;
end;
else do;
_2_0 = .;
_2_1 = .;
_2_2 = .;
_2_3 = .;
_DM_BAD = 1;
end;
end;
drop _3_0 _3_1 _3_2 _3_3 ;
_3_0 = 0;
_3_1 = 0;
_3_2 = 0;
_3_3 = 0;
_3_0 = .;
_3_1 = .;
_3_2 = .;
_3_3 = .;
_DM_BAD = 1;
end;
else do;
%DMNORMIP( _dm12 )
_3_1 = 1;
end;
_3_2 = 1;
end;
5415
5416
5417
5418
5419
5420
5421
5422
5423
5424
5425
5426
5427
5428
5429
5430
99

_3_3 = 1;
end;
_3_0 = 1;
end;
else do;
_3_0 = .;
_3_1 = .;
_3_2 = .;
_3_3 = .;
_DM_BAD = 1;
end;
end;
The SAS System
5431
5432
5433
5434
5435
5436
5437
5438
5439
5440
5441
5442
5443
5444
5445
5446
5447
5448
5449
5450
5451
5452
5453
5454
5455
5456
5457
5458
5459
5460
5461
5462
5463
5464
5465
5466
5467
5468
5469
5470
5471
*** Generate dummy variables for GRP_YAS ;

drop _4_0 _4_1 _4_2 ;
_4_0 = 0;
_4_1 = 0;
_4_2 = 0;
if missing( GRP_YAS ) then do;
_4_0 = .;
_4_1 = .;
_4_2 = .;
_DM_BAD = 1;
end;
else do;
_dm12 = put( GRP_YAS , BEST12. );
%DMNORMIP( _dm12 )
_4_2 = 1;
end;
_4_0 = 1;
end;
_4_1 = 1;
end;
else do;
_4_0 = .;
_4_1 = .;
_4_2 = .;
_DM_BAD = 1;
end;
end;
_P0 = 0.3640829469;
_P1 = 0.6359170531;
goto REG5DR1;
end;
5472
5473
5474
5475
5476
5477
5478
5479
5480
5481
5482
5483
5484
5485
5486
5487
5488
100
5489
5490
5491
5492
5493
5494
5495
5496
5497
5498
5499
5500
5501
5502
5503
5504
5505
5506
5507
5508
5509
5510
5511
5512
5513
5514
5515
5516
5517
5518
5519
5520
5521
5522
5523
5524
5525
5526
5527
5528

drop _TEMP;
drop _LP0;
_LP0 = 0;
*** Effect: GRP_GECIKME_GUN_SAYISI ;
_TEMP = 1;
_LP0 = _LP0 + ( -0.28560506324214) * _TEMP * _1_0;
_LP0 = _LP0 + ( -0.08121867042374) * _TEMP * _1_1;
_LP0 = _LP0 + (
0) * _TEMP * _1_2;
*** Effect: GRP_HESAP_ACIK_SURE ;
_TEMP = 1;
_LP0 = _LP0 + (
0.70963270137366) * _TEMP * _2_0;
_LP0 = _LP0 + (
0.61580955962348) * _TEMP * _2_1;
_LP0 = _LP0 + (
0.38528415187912) * _TEMP * _2_2;
The SAS System
_LP0 = _LP0 + (
0) * _TEMP * _2_3;

_TEMP = 1;
_LP0 = _LP0 + (
0.98573672082037)
_LP0 = _LP0 + (
0.66178924605782)
_LP0 = _LP0 + (
0.37515310951327)
_LP0 = _LP0 + (
0)
*
*
*
*
_TEMP
_TEMP
_TEMP
_TEMP
*
*
*
*
_3_0;
_3_1;
_3_2;
_3_3;
*** Effect: GRP_YAS ;

_TEMP = 1;
_LP0 = _LP0 + ( -0.36937050924883) * _TEMP * _4_0;
_LP0 = _LP0 + ( -0.14679221540968) * _TEMP * _4_1;
_LP0 = _LP0 + (
0) * _TEMP * _4_2;
_TEMP =
-1.22529607879684 + _LP0;
_TEMP = exp(_TEMP);
_P0 = _TEMP / (1 + _TEMP);
end;
else _P0 = 1 / (1 + exp(-_TEMP));
_P1 = 1.0 - _P0;
REG5DR1:
*** Residuals;
end;
else do;
select( _Y );
5529
5530
5531
5532
5533
5534
5535
5536
5537
5538
5539
5540
5541
5542
5543
5544
5545
5546
101
end;
end;
_MAXP = _P0;
_IY = 1;
_MAXP = _P1;
_IY = 2;
end;
I_LGD_BINARY_NEW15 = REG5DRF[_IY];
U_LGD_BINARY_NEW15 = REG5DRU[_IY];
*************************************;
The SAS System
5547
5548
5549
5550
5551
5552
5553
5554
5555
5556
5557
W15';
5558
5559
5560
5561
5562
5563
5564
5565
5566
5567
5568
5569
5570
5571
5572
5573
5574
5575
5576
5577
5578
5579
5580
5581
5582
5583
5584

*************************************;
*------------------------------------------------------------*;
* TOOL: Score Node;
* TYPE: ASSESS;
* NODE: Score;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
EM_PROBABILITY =
max(
P_LGD_BINARY_NEW151
,
P_LGD_BINARY_NEW150
);
SKOR = LOG10( P_LGD_BINARY_NEW151/P_LGD_BINARY_NEW150 );
PREDICTED_LGD =0;
END;
LGD_ORJ = PREDICTED_LGD;
run;
NOTE: Variable ACILIS_BAKIYESI_LOG is uninitialized.

NOTE: Variable ARTIPARA_LIMIT_LOG is uninitialized.
NOTE: Variable ARTIPARA_TL_LIMITI is uninitialized.
NOTE: Variable MUSTERIYLE_CALISMA_SURESI is uninitialized.
NOTE: Variable YAS_ORJ_KREDI is uninitialized.
NOTE: Variable BOLGE_KODU is uninitialized.
NOTE: Variable EGITIM_DURUMU is uninitialized.
NOTE: Variable LGD_BINARY_NEW15 is uninitialized.
NOTE: There were 4100060 observations read from the data set WORK.BIREYSEL_ARTIP
ARA.
NOTE: The data set WORK.BIREYSEL_ARTIPARA_TUM_DEGSKNLR has 4100060 observations
and 54 variables.
real time
18.63 seconds
cpu time
11.62 seconds
5585
5586
5587
5588
102
DATA BASELIRB.BIREYSEL_ARTIPARA;
SET BASELIRB.BIREYSEL_ARTIPARA;
The SAS System
5589
5590
5591
5592

DROP TARIH2;
run;
ARTIPARA.
NOTE: The data set BASELIRB.BIREYSEL_ARTIPARA has 37831702 observations and 54 v
ariables.
real time
4:30.38
cpu time
1:23.45
5593
5594
PROC SQL;
5595
insert into BASELIRB.BIREYSEL_ARTIPARA
5596
select * from WORK.BIREYSEL_ARTIPARA_TUM_DEGSKNLR;
NOTE: 4100060 rows were inserted into BASELIRB.BIREYSEL_ARTIPARA.
5597
QUIT;
real time
31.04 seconds
cpu time
16.48 seconds
5598
5599
5600
/*KREDIKARTI MODELI*/
5601
5602
proc sql;
5603
5604
5605
5606
quit;
real time
0.07 seconds
cpu time
0.02 seconds
5607
%put &ay;
31OCT2014
5608
5609
%macro kredikarti(ay);
5610
proc sql;
5611
5612
create table WORK.BIREYSEL_KREDIKARTI as
5613
5614
(
5615
select a.TARIH,TO_CHAR( a.MBB_NO) AS KREDI_HESAP_NO, a.MBB_NO AS KRE
DI_HESAP_ID,
5616
(&ay - b.BASLANGIC_TARIHI) as HESAP_ACIK_SURE, case when
5617
d.TARAF_BAGLI_SUBE_ALT_KANAL_ID = 999 then 34 else d.SUBE_ADRES_IL_KO
DU
5618
end as IL_KODU, case when (&ay - MUSTERI_KAYIT_TARIHI) < 0 then 0 el
se (&ay - MUSTERI_KAYIT_TARIHI)
5619
end as MUSTERIYLE_CALISMA_SURESI, case when TAKIP_ACILIS_BAK_UPT < 0
then 0 else
5620
TAKIP_ACILIS_BAK_UPT end as TAKIP_ACILIS_BAK_UPT, nvl(MAX_GECIKME_G
UN_SAYISI,0)
5621
as GECIKME_GUN_SAYISI from
5622
(
5623
(select TARIH, MBB_NO, sum(BAKIYE_0_6_AY + BAKIYE_7_12_AY + BAKIYE_13
_AY_USTU + REESKONT_TUTARI)
5624
as TAKIP_ACILIS_BAK_UPT from PIRB.RSK_TKREDI_KARTI
5625
where TARIH = &ay
103
The SAS System
5626
and URUN_TIPI = 1
5627
group by TARIH, MBB_NO) a left outer join
5628
(select HESAP_ANA_SAHIBI_TARAF_ID, min(BASLANGIC_TARIHI) as BASLANGIC
_TARIHI
5629
from PDWH.DWH_THESAP_SNP
5630
where URUN_TIPI = 5
5631
and TARIH = &ay
5632
group by HESAP_ANA_SAHIBI_TARAF_ID) b on a.MBB_NO = b.HESAP_ANA_SAHIB
I_TARAF_ID + 10000000000
5633
left outer join (select t.TARAF_ID, t.MUSTERI_KAYIT_TARIHI, t.TARAF_B
AGLI_SUBE_ALT_KANAL_ID,
5634
c.SUBE_ADRES_IL_KODU from PDWH.DWH_TTARAF t left outer join PDWH.DWH
_TKANAL_SUBE c
5635
on t.TARAF_BAGLI_SUBE_ALT_KANAL_ID = c.ALT_KANAL_ID) d on a.MBB_NO =
d.TARAF_ID + 10000000000
5636
left outer join (Select HESAP_ANA_SAHIBI_TARAF_ID + 10000000000 as MB
B_NO, max(GECIKME_GUN_SAYISI)
5637
as MAX_GECIKME_GUN_SAYISI from PDWH.DWH_THESAP a, PDWH.DWH_TISTATISTI
K_KREDI_KARTI b
5638
where a.HESAP_ID = b.HESAP_ID and a.URUN_TIPI = 5 and b.FREKANS_ID =
3
5639
and b.TARIH = &ay group by HESAP_ANA_SAHIBI_TARAF_ID + 10000000000) g
ec on a.MBB_NO = gec.MBB_NO
5640
)
5641
5642
);
5643
5644
quit;
5645
%mend kredikarti;
5646
%kredikarti (TO_DATE(%str(%')&ay%str(%'),'DD/MM/YYYY'));
NOTE: Table WORK.BIREYSEL_KREDIKARTI created, with 4210283 rows and 8 columns.
real time
1:28.84
cpu time
7.17 seconds
5647
5648
5649
5650
5651
5652
5653
5654
5655
5656
5657
5658
5659
5660
5661
5662
5663
5664
5665
5666
5667
5668
5669
5670
5671
5672
5673
5674
5675
5676
104
5677
5678
5679
5680
5681
5682
5683
5684
5685
5686
5687
5688
5689
5690
DATA WORK.BIREYSEL_KREDIKARTI_TUM_DEGSKNLR;
SET WORK.BIREYSEL_KREDIKARTI;
*------------------------------------------------------------*;
* EM SCORE CODE;
* EM Version: 7.1;
* SAS Release: 9.03.01M1P110911;
* Host: sasskr1;
* Encoding: latin5;
* Locale: en_US;
* Diagram Name: LGD_KREDIKARTI;
* Date: 05FEB2014:12:08:02;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: SAMPLE;
* NODE: Ids2;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: UTILITY;
The SAS System
* NODE: Meta4;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: CREDSCORE;
* NODE: IGN2;
*------------------------------------------------------------*;
drop _UFormat;
_UFormat='';
*------------------------------------------------------------*;
* Variable: EN_YUKSEK_BAKIYE;
*------------------------------------------------------------*;
5691
5692
PROJE_KODU = 'KRK';
5693
5694
5695
URUN_TIPI = '51';
5696
5697
LABEL GRP_EN_YUKSEK_BAKIYE = "Grouped: EN_YUKSEK_BAKIYE";
5698
LABEL WOE_EN_YUKSEK_BAKIYE = "Weight of Evidence: EN_YUKSEK_BAKIYE";
5699
5700
if MISSING(EN_YUKSEK_BAKIYE) then do;
5701
GRP_EN_YUKSEK_BAKIYE = 5;
5702
WOE_EN_YUKSEK_BAKIYE = 0.0353588315;
5703
end;
5704
else if NOT MISSING(EN_YUKSEK_BAKIYE) then do;
5705
if EN_YUKSEK_BAKIYE < 575.12 then do;
5706
5707
5708
end;
5709
else
5710
if 575.12 <= EN_YUKSEK_BAKIYE AND EN_YUKSEK_BAKIYE < 641.28 then do;
5711
5712
WOE_EN_YUKSEK_BAKIYE = -0.281293762;
5713
end;
5714
else
5715
if 641.28 <= EN_YUKSEK_BAKIYE AND EN_YUKSEK_BAKIYE < 4127.31 then do;
5716
5717
5718
end;
5719
else
5720
if 4127.31 <= EN_YUKSEK_BAKIYE then do;
5721
5722
WOE_EN_YUKSEK_BAKIYE = -0.817612117;
5723
end;
5724
end;
5725
5726
*------------------------------------------------------------*;
5727
5728
*------------------------------------------------------------*;
5729
_GEREKEN_SURE";
5730
5731
5732
5733
5734
105
The SAS System
5735
end;
5736
5737
5738
5739
5740
end;
5741
else
5742
if 94 <= HESAP_ACIK_KALMASI_GEREKEN_SURE AND HESAP_ACIK_KALMASI_GEREK
EN_SURE < 195 then do;
5743
5744
5745
end;
5746
else
5747
5748
5749
5750
end;
5751
else
5752
5753
5754
5755
end;
5756
else
5757
5758
5759
5760
end;
5761
end;
5762
5763
*------------------------------------------------------------*;
5764
5765
*------------------------------------------------------------*;
5766
5767
5768
5769
5770
5771
5772
end;
5773
5774
5775
5776
5777
end;
5778
else
5779
5780
5781
5782
end;
5783
else
5784
5785
5786
5787
end;
5788
else
5789
5790
5791
5792
end;
106
The SAS System
5793
5794
5795
5796
5797
5798
5799
else
end;
end;
5800
*------------------------------------------------------------*;
5801
5802
*------------------------------------------------------------*;
5803
5804
_ORAN";
5805
5806
5807
5808
5809
end;
5810
5811
5812
5813
5814
end;
5815
else
5816
do;
5817
5818
5819
end;
5820
else
5821
do;
5822
5823
5824
end;
5825
else
5826
5827
5828
5829
end;
5830
end;
5831
5832
*------------------------------------------------------------*;
5833
* Variable: KREDI_KART_NAKIT_CEKIM_LIMITI;
5834
*------------------------------------------------------------*;
5835
LABEL GRP_KREDI_KART_NAKIT_CEKIM_LIMIT = "Grouped: KREDI_KART_NAKIT_C
EKIM_LIMITI";
5836
LABEL WOE_KREDI_KART_NAKIT_CEKIM_LIMIT = "Weight of Evidence: KREDI_K
ART_NAKIT_CEKIM_LIMITI";
5837
5838
if MISSING(KREDI_KART_NAKIT_CEKIM_LIMITI) then do;
5839
GRP_KREDI_KART_NAKIT_CEKIM_LIMIT = 1;
5840
WOE_KREDI_KART_NAKIT_CEKIM_LIMIT = 0.013657288;
5841
end;
5842
else if NOT MISSING(KREDI_KART_NAKIT_CEKIM_LIMITI) then do;
5843
if KREDI_KART_NAKIT_CEKIM_LIMITI < 2.14 then do;
5844
5845
5846
end;
5847
else
5848
if 2.14 <= KREDI_KART_NAKIT_CEKIM_LIMITI AND KREDI_KART_NAKIT_CEKIM_L
IMITI < 500 then do;
5849
5850
107
The SAS System
5851
end;
5852
else
5853
if 500 <= KREDI_KART_NAKIT_CEKIM_LIMITI AND KREDI_KART_NAKIT_CEKIM_LI
MITI < 640 then do;
5854
5855
5856
end;
5857
else
5858
if 640 <= KREDI_KART_NAKIT_CEKIM_LIMITI AND KREDI_KART_NAKIT_CEKIM_LI
MITI < 2000 then do;
5859
5860
WOE_KREDI_KART_NAKIT_CEKIM_LIMIT = -0.050516185;
5861
end;
5862
else
5863
if 2000 <= KREDI_KART_NAKIT_CEKIM_LIMITI then do;
5864
5865
WOE_KREDI_KART_NAKIT_CEKIM_LIMIT = -0.53549629;
5866
end;
5867
end;
5868
5869
*------------------------------------------------------------*;
5870
* Variable: MAX_NAKIT_CEKIM_LIMIT_ORANI;
5871
*------------------------------------------------------------*;
5872
LABEL GRP_MAX_NAKIT_CEKIM_LIMIT_ORANI = "Grouped: MAX_NAKIT_CEKIM_LIM
IT_ORANI";
5873
LABEL WOE_MAX_NAKIT_CEKIM_LIMIT_ORANI = "Weight of Evidence: MAX_NAKI
T_CEKIM_LIMIT_ORANI";
5874
5875
if MISSING(MAX_NAKIT_CEKIM_LIMIT_ORANI) then do;
5876
GRP_MAX_NAKIT_CEKIM_LIMIT_ORANI = 2;
5877
WOE_MAX_NAKIT_CEKIM_LIMIT_ORANI = 0.0481709043;
5878
end;
5879
else if NOT MISSING(MAX_NAKIT_CEKIM_LIMIT_ORANI) then do;
5880
if MAX_NAKIT_CEKIM_LIMIT_ORANI < 50 then do;
5881
5882
WOE_MAX_NAKIT_CEKIM_LIMIT_ORANI = -0.189929854;
5883
end;
5884
else
5885
if 50 <= MAX_NAKIT_CEKIM_LIMIT_ORANI AND MAX_NAKIT_CEKIM_LIMIT_ORANI
< 75 then do;
5886
5887
5888
end;
5889
else
5890
if 75 <= MAX_NAKIT_CEKIM_LIMIT_ORANI then do;
5891
5892
5893
end;
5894
end;
5895
5896
*------------------------------------------------------------*;
5897
5898
*------------------------------------------------------------*;
5899
RESI";
5900
_CALISMA_SURESI";
5901
5902
5903
5904
5905
5906
5907
5908
108
end;
The SAS System
5909
5910
end;
5911
else
5912
71 then do;
5913
5914
5915
end;
5916
else
5917
5918
5919
5920
end;
5921
end;
5922
5923
*------------------------------------------------------------*;
5924
* Variable: ODEME_PERFORMANSI_3;
5925
*------------------------------------------------------------*;
5926
LABEL GRP_ODEME_PERFORMANSI_3 = "Grouped: ODEME_PERFORMANSI_3";
5927
LABEL WOE_ODEME_PERFORMANSI_3 = "Weight of Evidence: ODEME_PERFORMANS
I_3";
5928
5929
if MISSING(ODEME_PERFORMANSI_3) then do;
5930
GRP_ODEME_PERFORMANSI_3 = 4;
5931
WOE_ODEME_PERFORMANSI_3 = 0.0353588315;
5932
end;
5933
else if NOT MISSING(ODEME_PERFORMANSI_3) then do;
5934
if ODEME_PERFORMANSI_3 < 4 then do;
5935
5936
5937
end;
5938
else
5939
if 4 <= ODEME_PERFORMANSI_3 AND ODEME_PERFORMANSI_3 < 7 then do;
5940
5941
WOE_ODEME_PERFORMANSI_3 = -0.135495215;
5942
end;
5943
else
5944
if 7 <= ODEME_PERFORMANSI_3 then do;
5945
5946
5947
end;
5948
end;
5949
5950
*------------------------------------------------------------*;
5951
* Variable: TAKIP_ACILIS_BAK_UPT;
5952
*------------------------------------------------------------*;
5953
LABEL GRP_TAKIP_ACILIS_BAK_UPT = "Grouped: TAKIP_ACILIS_BAK_UPT";
5954
LABEL WOE_TAKIP_ACILIS_BAK_UPT = "Weight of Evidence: TAKIP_ACILIS_BA
K_UPT";
5955
5956
if MISSING(TAKIP_ACILIS_BAK_UPT) then do;
5957
GRP_TAKIP_ACILIS_BAK_UPT = 3;
5958
5959
5960
5961
5962
5963
5964
5965
5966
then do;
109
WOE_TAKIP_ACILIS_BAK_UPT = -0.752491566;
end;
else if NOT MISSING(TAKIP_ACILIS_BAK_UPT) then do;
if TAKIP_ACILIS_BAK_UPT < 602.46 then do;
WOE_TAKIP_ACILIS_BAK_UPT = 0.6049241545;
end;
else
if 602.46 <= TAKIP_ACILIS_BAK_UPT AND TAKIP_ACILIS_BAK_UPT < 6267.98
The SAS System
5967
5968
5969
5970
5971
5972
5973
5974
5975
5976
5977
5978
5979
5980
5981
5982
5983
5984
5985
5986
5987
5988
5989
5990
5991
5992
5993
5994
5995
5996
5997
5998
5999
6000
6001
6002
6003
6004
6005
6006
6007
6008
6009
6010
6011
6012
6013
WOE_TAKIP_ACILIS_BAK_UPT = 0.0570972714;
end;
else
if 6267.98 <= TAKIP_ACILIS_BAK_UPT then do;
WOE_TAKIP_ACILIS_BAK_UPT = -0.752491566;
end;
end;
*------------------------------------------------------------*;
* Variable: YAS;
*------------------------------------------------------------*;
GRP_YAS = 5;
WOE_YAS = 0.6100994885;
end;
GRP_YAS = 1;
WOE_YAS = 0.2239124616;
end;
else
GRP_YAS = 2;
WOE_YAS = 0.0268568988;
end;
else
GRP_YAS = 3;
WOE_YAS = -0.1227875;
end;
else
GRP_YAS = 4;
WOE_YAS = 0.0597466673;
end;
end;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
6014
6015
6016
6017
6018
6019
6020
6021
6022
6023
6024
110

end;
end;
else
The SAS System
6025
6026
6027
6028
6029
6030
6031
6032
6033
6034
6035
6036
6037
6038
6039
6040
6041
6042
6043
6044
6045
6046
6047

end;
else
end;
else
end;
end;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
________
484
6048
6049
6050
6051
6052
6053
6054
6055
6056
6057
6058
6059
6060
_UFORMAT
6061
_UFORMAT
6062
6063
GRP_BOLGE_KODU = 5;
end;
else if NOT MISSING(_UFORMAT) then
) then do;
GRP_BOLGE_KODU = 1;
end;
else
eq '7090'
eq '7230'
) then do;
GRP_BOLGE_KODU = 2;
do;

6064
6065
6066
6067
6068
6069
6070
6071
6072
6073
_UFORMAT
6074
6075
6076
6077
111
end;
else
) then do;
GRP_BOLGE_KODU = 2;
end;
else
eq '7170'
) then do;
GRP_BOLGE_KODU = 3;
The SAS System
6078
6079
6080
_UFORMAT
6081
6082
6083
6084
6085
6086
6087
6088
6089
6090
6091
6092
6093
6094
6095
6096
6097
6098
end;
else
eq '7180'
) then do;
GRP_BOLGE_KODU = 4;
end;
else do;
GRP_BOLGE_KODU = 5;
end;
end;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
________
484
6099
6100
6101
GRP_IL_KODU = 4;
6102
WOE_IL_KODU = -0.409855244;
6103
end;
6104
6105
6106
R _UFORMAT eq '28'
6107
) then do;
6108
GRP_IL_KODU = 1;
6109
WOE_IL_KODU = 0.484486232;
6110
end;
6111
else
6112
6113
R _UFORMAT eq '60'
6114
) then do;
6115
GRP_IL_KODU = 1;
6116
WOE_IL_KODU = 0.484486232;
6117
end;
6118
else
6119
6120
R _UFORMAT eq '74'
6121
) then do;
6122
GRP_IL_KODU = 1;
6123
WOE_IL_KODU = 0.484486232;
6124
end;
6125
else
6126
6127
) then do;
6128
GRP_IL_KODU = 1;
6129
WOE_IL_KODU = 0.484486232;
6130
end;
112
The SAS System
6131
else
6132
6133
_UFORMAT eq '38'
6134
) then do;
6135
GRP_IL_KODU = 2;
6136
WOE_IL_KODU = 0.1603836596;
6137
end;
6138
else
6139
6140
_UFORMAT eq '66'
6141
) then do;
6142
GRP_IL_KODU = 2;
6143
WOE_IL_KODU = 0.1603836596;
6144
end;
6145
else
6146
6147
) then do;
6148
GRP_IL_KODU = 2;
6149
WOE_IL_KODU = 0.1603836596;
6150
end;
6151
else
6152
6153
R _UFORMAT eq '48'
6154
) then do;
6155
GRP_IL_KODU = 3;
6156
WOE_IL_KODU = -0.040687127;
6157
end;
6158
6159
MAT eq '6'
6160
6161
6162
6163
6164
6165
6166
AT eq '33'
6167
6168
6169
6170
6171
6172
6173
6174
6175
6176
6177
6178
6179
6180
6181
6182
6183
6184
6185
6186
6187
6188
113
else
6189
6190
6191
6192
6193
6194
6195
6196
6197
6198
6199
6200
6201
6202
6203
6204
6205
6206
6207
6208
6209
6210
6211
6212
* NODE: Part;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TOOL: Regression;
* TYPE: MODEL;
* NODE: Reg;
*------------------------------------------------------------*;
*************************************;
*************************************;

) then do;
GRP_IL_KODU = 3;
WOE_IL_KODU = -0.040687127;
end;
else
OR _UFORMAT
) then do;
GRP_IL_KODU
WOE_IL_KODU
end;
else do;
GRP_IL_KODU
WOE_IL_KODU
end;
end;
eq '52' OR _UFORMAT eq '55' OR _UFORMAT eq '63'

= 4;
= -0.409855244;
= 1;
= 0.484486232;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: UTILITY;
* NODE: Meta5;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
* TYPE: SAMPLE;
The SAS System
length _WARN_ $4;

*** Target Values;
array REGDRF [2] $12 _temporary_ ('1' '0' );
ARRAY REGDRU[2] _TEMPORARY_ (1 0);
drop _Y ;
6213
6214
6215
6216
6217
6218
6219
6220
6221
6222
6223
6224
6225
6226
6227
6228
6229
6230
6231
6232
6233
6234
6235
6236
6237
6238
6239
6240
6241
6242
6243
6244
6245
6246
114

_Y = .;
end;
else do;
_Y = 1;
end;
_Y = 0;
end;
else do;
_Y = .;
end;
end;
6247
6248
6249
6250
6251
6252
6253
6254
6255
6256
6257
6258
6259
6260
6261
6262
6263
6264
6265
6266
6267
6268
6269
_1_3 = .;
_1_4 = .;
_DM_BAD = 1;
end;
else do;
_dm12 = put( GRP_HESAP_ACIK_SURE , BEST12. );
%DMNORMIP( _dm12 )
_1_0 = 1;
_dm_find = 1;
end;
else do;
_1_1 = 1;
_dm_find = 1;
end;
end;
end;
drop _DM_BAD;
_DM_BAD=0;
*** Generate dummy variables for GRP_HESAP_ACIK_SURE ;
drop _1_0 _1_1 _1_2 _1_3 _1_4 ;
_1_0 = 0;
_1_1 = 0;
_1_2 = 0;
_1_3 = 0;
_1_4 = 0;
if missing( GRP_HESAP_ACIK_SURE ) then do;
_1_0 = .;
_1_1 = .;
_1_2 = .;
The SAS System
6270
6271
6272
6273
6274
6275
6276
6277
6278
6279
6280
6281
6282
6283
6284
6285
6286
6287
6288
6289
6290
6291
6292
6293
6294
6295
6296
6297
6298
6299
6300
6301
6302
6303
6304
115
else do;
_1_2 = 1;
_dm_find = 1;
end;
end;
end;
else do;
_1_3 = 1;
_dm_find = 1;
end;
else do;
_1_4 = 1;
_dm_find = 1;
end;
end;
end;
_1_0 = .;
_1_1 = .;
_1_2 = .;
_1_3 = .;
_1_4 = .;
_DM_BAD = 1;
end;
end;
drop _2_0 _2_1 _2_2 _2_3 ;
_2_0 = 0;
_2_1 = 0;
The SAS System
6305
6306
6307
6308
6309
6310
6311
6312
6313
6314
6315
6316
6317
6318
6319
6320
6321
6322
6323
6324
6325
6326
_2_2 = 0;
_2_3 = 0;
_2_0 = .;
_2_1 = .;
_2_2 = .;
_2_3 = .;
_DM_BAD = 1;
end;
else do;
%DMNORMIP( _dm12 )
_2_2 = 1;
end;
_2_1 = 1;
end;
_2_3 = 1;
6327
6328
6329
6330
6331
6332
6333
6334
6335
6336
6337
6338
6339
6340
6341
6342
6343
6344
6345
6346
6347
6348
6349
6350
6351
6352
6353
6354
6355
6356
6357
6358
6359
6360
6361
6362
116
end;
_2_0 = 1;
end;
else do;
_2_0 = .;
_2_1 = .;
_2_2 = .;
_2_3 = .;
_DM_BAD = 1;
end;
end;
6363
6364
6365
6366
6367
6368
6369
6370
6371
6372
6373
6374
6375
6376
6377
6378
6379
6380
6381
6382
6383
end;
_3_0 = 1;
end;
else do;
_3_0 = .;
_3_1 = .;
_3_2 = .;
_DM_BAD = 1;
end;
end;

drop _3_0 _3_1 _3_2 ;
_3_0 = 0;
_3_1 = 0;
_3_2 = 0;
_3_0 = .;
_3_1 = .;
_3_2 = .;
_DM_BAD = 1;
end;
else do;
%DMNORMIP( _dm12 )
_3_2 = 1;
end;
_3_1 = 1;
The SAS System
*** Generate dummy variables for GRP_TAKIP_ACILIS_BAK_UPT ;

drop _4_0 _4_1 _4_2 ;
_4_0 = 0;
_4_1 = 0;
_4_2 = 0;
if missing( GRP_TAKIP_ACILIS_BAK_UPT ) then do;
_4_0 = .;
6384
6385
6386
6387
6388
6389
6390
6391
6392
6393
6394
6395
6396
6397
6398
6399
6400
6401
6402
6403
6404
6405
6406
6407
6408
6409
6410
6411
6412
6413
6414
6415
6416
6417
6418
6419
6420
117
_4_1 = .;
_4_2 = .;
_DM_BAD = 1;
end;
else do;
_dm12 = put( GRP_TAKIP_ACILIS_BAK_UPT , BEST12. );
%DMNORMIP( _dm12 )
_4_1 = 1;
end;
_4_0 = 1;
end;
_4_2 = 1;
end;
else do;
_4_0 = .;
_4_1 = .;
_4_2 = .;
_DM_BAD = 1;
end;
end;
_P0 = 0.2795738219;
_P1 = 0.7204261781;
goto REGDR1;
end;
drop _TEMP;
drop _LP0;
The SAS System
6421
6422
6423
6424
6425
6426
6427
6428
6429
6430
6431
6432
6433
6434
6435
6436
6437
6438
6439
6440
_LP0 = 0;
*** Effect: GRP_HESAP_ACIK_SURE ;
_TEMP = 1;
_LP0 = _LP0 + (
0.57111000941985)
_LP0 = _LP0 + (
0.42111744267807)
_LP0 = _LP0 + (
0.28836587873219)
_LP0 = _LP0 + (
0.15416180668656)
_LP0 = _LP0 + (
0)
*
*
*
*
*
_TEMP
_TEMP
_TEMP
_TEMP
_TEMP
*
*
*
*
*
_1_0;
_1_1;
_1_2;
_1_3;
_1_4;

_TEMP = 1;
_LP0 = _LP0 + (
-0.884047457094)
_LP0 = _LP0 + ( -0.56520223780043)
_LP0 = _LP0 + ( -0.40507021261643)
_LP0 = _LP0 + (
0)
*
*
*
*
_TEMP
_TEMP
_TEMP
_TEMP
*
*
*
*
_2_0;
_2_1;
_2_2;
_2_3;

_TEMP = 1;
_LP0 = _LP0 + (
0.13056522509905) * _TEMP * _3_0;
6441
6442
6443
6444
6445
6446
6447
6448
6449
6450
6451
6452
6453
6454
6455
6456
6457
6458
6459
6460
6461
6462
6463
6464
6465
6466
6467
6468
6469
6470
6471
6472
6473
6474
6475
6476
6477
6478
118
_LP0 = _LP0 + (
_LP0 = _LP0 + (
0.03378878265215) * _TEMP * _3_1;

0) * _TEMP * _3_2;
*** Effect: GRP_TAKIP_ACILIS_BAK_UPT ;

_TEMP = 1;
_LP0 = _LP0 + (
-1.4007441414701) * _TEMP * _4_0;
_LP0 = _LP0 + ( -0.87974328343737) * _TEMP * _4_1;
_LP0 = _LP0 + (
0) * _TEMP * _4_2;
_TEMP =
0.02758211219131 + _LP0;
_TEMP = exp(_TEMP);
_P0 = _TEMP / (1 + _TEMP);
end;
else _P0 = 1 / (1 + exp(-_TEMP));
_P1 = 1.0 - _P0;
REGDR1:
*** Residuals;
end;
else do;
select( _Y );
end;
end;
The SAS System
6479
6480
6481
6482
6483
6484
6485
6486
6487
6488
6489
6490
6491
6492
6493
6494
6495
6496
6497

_MAXP = _P0;
_IY = 1;
_MAXP = _P1;
_IY = 2;
end;
I_LGD_BINARY_NEW15 = REGDRF[_IY];
U_LGD_BINARY_NEW15 = REGDRU[_IY];
*************************************;
*************************************;
*------------------------------------------------------------*;
* TOOL: Score Node;
* TYPE: ASSESS;
6498
6499
6500
6501
6502
6503
W15';
6504
6505
6506
6507
6508
6509
6510
6511
6512
6513
6514
6515
6516
6517
6518
6519
6520
6521
6522
6523
6524
6525
6526
6527
6528
6529
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
NOTE:
119
* NODE: Score;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
*------------------------------------------------------------*;
EM_PROBABILITY =
max(
P_LGD_BINARY_NEW151
,
P_LGD_BINARY_NEW150
);
SKOR = LOG10( P_LGD_BINARY_NEW151/P_LGD_BINARY_NEW150 );
PREDICTED_LGD =0;
END;
LGD_ORJ = PREDICTED_LGD;
run;
Variable
Variable
Variable
Variable
Variable
Variable
EN_YUKSEK_BAKIYE is uninitialized.
KREDI_KART_NAKIT_CEKIM_LIMITI is uninitialized.
MAX_NAKIT_CEKIM_LIMIT_ORANI is uninitialized.
ODEME_PERFORMANSI_3 is uninitialized.
The SAS System
NOTE: Variable YAS is uninitialized.

NOTE: Variable YAS_ORJ_KREDI is uninitialized.
NOTE: Variable BOLGE_KODU is uninitialized.
NOTE: Variable LGD_BINARY_NEW15 is uninitialized.
NOTE: There were 4210283 observations read from the data set WORK.BIREYSEL_KREDI
KARTI.
NOTE: The data set WORK.BIREYSEL_KREDIKARTI_TUM_DEGSKNLR has 4210283 observation
s and 61 variables.
real time
21.32 seconds
cpu time
12.92 seconds
6530
6531
6532
6533
DATA BASELIRB.BIREYSEL_KREDIKARTI;
SET BASELIRB.BIREYSEL_KREDIKARTI;
6534
6535
6536
6537

DROP TARIH2;
run;
KREDIKARTI.
NOTE: The data set BASELIRB.BIREYSEL_KREDIKARTI has 33971471 observations and 61
variables.
real time
4:28.38
cpu time
1:23.19
6538
6539
PROC SQL;
6540
insert into BASELIRB.BIREYSEL_KREDIKARTI
6541
select * from WORK.BIREYSEL_KREDIKARTI_TUM_DEGSKNLR;
NOTE: 4210283 rows were inserted into BASELIRB.BIREYSEL_KREDIKARTI.
6542
QUIT;
real time
37.19 seconds
cpu time
18.64 seconds
6543
6544
6545
6546
6547
6548
6549
6550
DATA BASELIRB.RSK_TLGD_BIREYSEL;
SET BASELIRB.RSK_TLGD_BIREYSEL;
DROP TARIH2;
run;
NOTE: There were 79159477 observations read from the data set BASELIRB.RSK_TLGD_
BIREYSEL.
NOTE: The data set BASELIRB.RSK_TLGD_BIREYSEL has 69251721 observations and 6 va
riables.
real time
1:23.07
cpu time
29.60 seconds
6551
6552
6553
120
PROC SQL;
The SAS System
6554
insert into BASELIRB.RSK_TLGD_BIREYSEL
6555
SELECT TARIH, KREDI_HESAP_ID,KREDI_HESAP_NO, PROJE_KODU, input(URUN
_TIPI,comma6.)
6556
as URUN_TIPI, LGD_ORJ AS PREDICTED_LGD FROM WORK.BIREYSEL_IHTIYAC_TUM
_DEGSKNLR
6557
OUTER UNION CORR
6558
SELECT TARIH, KREDI_HESAP_ID,KREDI_HESAP_NO,PROJE_KODU, input(URUN_
TIPI,comma6.)
6559
as URUN_TIPI, LGD_ORJ AS PREDICTED_LGD FROM WORK.BIREYSEL_TASIT_TUM_D
EGSKNLR
6560
OUTER UNION CORR
6561
SELECT TARIH, KREDI_HESAP_ID, KREDI_HESAP_NO,PROJE_KODU, input(URUN_
TIPI,comma6.)
6562
as URUN_TIPI, LGD_ORJ AS PREDICTED_LGD FROM WORK.BIREYSEL_ARTIPARA_T
UM_DEGSKNLR
6563
OUTER UNION CORR
6564
SELECT TARIH, KREDI_HESAP_ID,KREDI_HESAP_NO, PROJE_KODU, input(URUN_
TIPI,comma6.)
6565
as URUN_TIPI, LGD_ORJ AS PREDICTED_LGD FROM WORK.BIREYSEL_KONUT_TUM_
DEGSKNLR
6566
OUTER UNION CORR
6567
SELECT TARIH, KREDI_HESAP_ID,KREDI_HESAP_NO, PROJE_KODU, input(URUN_T
IPI,comma6.)
6568
as URUN_TIPI, LGD_ORJ AS PREDICTED_LGD FROM WORK.BIREYSEL_KREDIKARTI
_TUM_DEGSKNLR
6569
;
NOTE: 9907756 rows were inserted into BASELIRB.RSK_TLGD_BIREYSEL.
6570
Quit;
real time
37.03 seconds
cpu time
19.02 seconds
6571
6572
6573
PROC SQL;
6574
6575
create table work.RSK_TLGD_BIREYSEL as
6576
SELECT TARIH, KREDI_HESAP_ID,KREDI_HESAP_NO, PROJE_KODU, input(URUN
_TIPI,comma6.)
6577
as URUN_TIPI, LGD_ORJ AS PREDICTED_LGD FROM WORK.BIREYSEL_IHTIYAC_TUM
_DEGSKNLR
6578
OUTER UNION CORR
6579
SELECT TARIH, KREDI_HESAP_ID,KREDI_HESAP_NO,PROJE_KODU, input(URUN_
TIPI,comma6.)
6580
as URUN_TIPI, LGD_ORJ AS PREDICTED_LGD FROM WORK.BIREYSEL_TASIT_TUM_D
EGSKNLR
6581
OUTER UNION CORR
6582
SELECT TARIH, KREDI_HESAP_ID, KREDI_HESAP_NO,PROJE_KODU, input(URUN_
TIPI,comma6.)
6583
as URUN_TIPI, LGD_ORJ AS PREDICTED_LGD FROM WORK.BIREYSEL_ARTIPARA_T
UM_DEGSKNLR
6584
OUTER UNION CORR
6585
SELECT TARIH, KREDI_HESAP_ID,KREDI_HESAP_NO, PROJE_KODU, input(URUN_
TIPI,comma6.)
6586
as URUN_TIPI, LGD_ORJ AS PREDICTED_LGD FROM WORK.BIREYSEL_KONUT_TUM_
DEGSKNLR
6587
OUTER UNION CORR
6588
SELECT TARIH, KREDI_HESAP_ID,KREDI_HESAP_NO, PROJE_KODU, input(URUN_T
IPI,comma6.)
6589
as URUN_TIPI, LGD_ORJ AS PREDICTED_LGD FROM WORK.BIREYSEL_KREDIKARTI
_TUM_DEGSKNLR
6590
;
NOTE: Table WORK.RSK_TLGD_BIREYSEL created, with 9907756 rows and 6 columns.
6591
Quit;
real time
18.44 seconds
cpu time
11.31 seconds
6592
6593
6594
proc sql ;
6595
6596
password=XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
XXXXXXXXXXX path='PDWH_SAS');
6597
DISCONNECT FROM ORACLE;
121
The SAS System
6598
QUIT;
real time
0.04 seconds
cpu time
0.00 seconds
6599
6600
6601
6602
6603
proc append base = ORCLPIRB.STG_TLGD_BIREYSEL( BL_OPTIONS
'ERRORS=50'
6604
BL_DELETE_DATAFILE
YES
6605
BL_DIRECT_PATH
NO
6606
BL_DELETE_FILES
YES
6607
BL_DATAFILE
'/temp03/lgd.dat'
6608
BL_LOG
'/temp03/lgd.log'
6609
BL_CONTROL = '/temp03/lgd.ctl'
6610
)
6611
data = work.RSK_TLGD_BIREYSEL force;
6612
6613
run;
=
=
=
=
=
=
NOTE: Appending WORK.RSK_TLGD_BIREYSEL to ORCLPIRB.STG_TLGD_BIREYSEL.

WARNING: Variable KREDI_HESAP_NO has different lengths on BASE and DATA files (B
ASE 31 DATA 40).
NOTE: FORCE is specified, so dropping/truncating will occur.
NOTE: There were 9907756 observations read from the data set WORK.RSK_TLGD_BIREY
SEL.
NOTE: 9907756 observations added.
NOTE: The data set ORCLPIRB.STG_TLGD_BIREYSEL has . observations and 6 variables
.
NOTE: PROCEDURE APPEND used (Total process time):
real time
10:33.98
cpu time
1:12.26
6614
6615
6616
6617
6617
/* Oracle a Raise_file gnderir */

x cd /install/sas/project/raise_files/
!
6618
6618
6619
6620
6621
6622
6623
6624
6625
6626
6627
6628
6629
6630
6631
6632
6633
6634
x Send_Bireysel.bat
!
GOPTIONS NOACCESSIBLE;
%LET _CLIENTTASKLABEL=;
%LET _CLIENTPROJECTPATH=;
%LET _CLIENTPROJECTNAME=;
%LET _SASPROGRAMFILE=;
;*';*";*/;quit;run;
ODS _ALL_ CLOSE;
QUIT; RUN;

Log For LGD - Bireysel

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1

The SAS System

LABEL WOE_HESAP_ACIK_SURE_ORAN = "Weight of Evidence: HESAP_ACIK_SURE

if (_UFORMAT eq '7000' OR _UFORMAT

eq '7010' OR _UFORMAT eq '7020' OR

eq '7070' OR _UFORMAT eq '7170' OR

eq '7190' OR _UFORMAT eq '7230'

eq '7150' OR _UFORMAT eq '7200' OR

eq '7100' OR _UFORMAT eq '7180'

WARNING: Variable IL_KODU has already been defined as numeric.

MAT eq '28' OR _UFORMAT eq '3'

*** Unnormalized target values;

length _WARN_ $4;

*** Generate dummy variables for LGD_BINARY_NEW15 ;

*** Generate dummy variables for GRP_TAKIP_ACILIS_BAKIYESI_ORAN ;

*** Generate dummy variables for GRP_TOPLAM_GECIKME_TAKSIT_SAYISI ;

*** Effect: GRP_MUSTERIYLE_CALISMA_SURESI ;

*** Effect: GRP_TOPLAM_GECIKME_TAKSIT_SAYISI ;

_P1 = 1.0 - _P0;

Variable VADE_SURESI is uninitialized.

/*MEVCUT AYI TABLOYA EKLER*/

NOTE: 1374130 rows were inserted into BASELIRB.BIREYSEL_IHTIYAC.

length _UFormat $200;

10:24 Tuesday, December 9, 2014

if EGITIM_DURUMU < 2 then do;

The SAS System

LABEL GRP_MBB_SISTEMI_ALT_TIPI = "Grouped: MBB_SISTEMI_ALT_TIPI";

if MISSING(MBB_SISTEMI_ALT_TIPI) then do;

if MISSING(MEDENI_HALI) then do;

P_LTV < 0.63 then do;

The SAS System

The SAS System

label I_LGD_BINARY_018 = 'Into: LGD_BINARY_018' ;

10:24 Tuesday, December 9, 2014

The SAS System

*** Effect: GRP_MUSTERIYLE_CALISMA_SURESI ;

*** Effect: GRP_TAKIP_ACILIS_BAKIYESI_ORAN ;

*** Effect: GRP_TEMINAT_TUTARINA_GORE_TAKIP_LTV ;

0.55224095067034) * _TEMP * _6_0;

*** Naive Posterior Probabilities;

NOTE: Variable SEHIR is uninitialized.

The SAS System

if 30000 <= ACILIS_BAKIYESI AND ACILIS_BAKIYESI < 35000 then do;

if 4.68 <= ACILIS_BAK_TL_LOG AND ACILIS_BAK_TL_LOG < 4.78 then do;

if MISSING(HESAP_ACIK_KALMASI_GEREKEN_SURE) then do;

10:24 Tuesday, December 9, 2014

else if NOT MISSING(MUSTERIYLE_CALISMA_SURESI) then do;

if 60 <= VADE_SURESI AND VADE_SURESI < 72 then do;

if MISSING(YAS_ORJ_KREDI) then do;

eq '7190' OR _UFORMAT eq '7240'

if (_UFORMAT eq 'TUTUNIFTL' OR _UFORMAT eq 'TMK' OR _UFORMAT eq 'VAN'

'..' OR _UFORMAT eq '0' OR _UFORMAT eq '000' OR _UFOR

10:24 Tuesday, December 9, 2014

*** Generate dummy variables for LGD_BINARY_025 ;

else if _dm12 = '4' then do;

drop _3_0 _3_1 _3_2 _3_3 _3_4 ;

*** Generate dummy variables for GRP_TOPLAM_GECIKME_TAKSIT_SAYISI ;

*** Effect: GRP_TEMINAT_TUTARINA_GORE_TAKIP_ ;

*** Naive Posterior Probabilities;

NOTE: Variable LGD_BINARY_025 is uninitialized.

The SAS System

* Diagram Name: LGD_ARTIPARA;

if 271 <= HESAP_ACIK_SURE AND HESAP_ACIK_SURE < 521 then do;

/MEVCUT AYI TABLOYA EKLER/