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Predicting Bank Default from the Quarterly Report

Possibility of a bank default in the quarter after the lastest financial reporting can be estimated from the bank’s balance sheet in relation to the general economic situation of the time. Although creating the exact formula is not at all clear, it is possible to construct an algorithm that produces little error in categorical default prediction given bank data and economic indices. This paper seeks to suggest a machine-learning-based-approach to predicting bank default based on the publicly available information.