FNG Data Overview

1. ORIGINACION

1.1 Overview

Rows: 2707316 
Columns: 29
variable class missing_pct
V1 integer 0.0
NO_GARANTIA integer 0.0
COD_PRODUCTO character 0.0
NIT_INTERMEDIARIO integer64 0.0
COD_SUCURSAL character 0.0
COD_MUNICIPIO_GARANTIA integer 0.0
COD_RETROGARANTE integer64 98.2
FECHA_DESEMBOLSO Date 0.0
VALOR_DESEMBOLSADO numeric 0.0
VALOR_INICIAL numeric 0.0
MONEDA character 0.0
COMISION numeric 0.0
NIT_CLIENTE character 0.0
PLAZO integer 0.0
TIPO_PLAZO integer 0.0
COMISION_RIESGO numeric 0.0
COMISION_FNG integer 0.0
CIIU integer 2.0
AVALUO numeric 0.0
% FINANCIACION integer 0.0
FECHA_CREACION Date 0.0
GARANTIA_ANTERIOR integer 100.0
TIPO_CARTERA integer 0.0
ULTIMO_ESTADO character 0.0
FECHA_INFORMACION Date 0.0
NO_GTIA_NOVADA integer 0.0
FECHA_ULTIMO_ESTADO Date 0.0
NIVEL_VENTAS integer64 0.0
NIVEL_ACTIVOS integer64 0.0

1.2 Skim Summary

Data summary
Name dt_origin[, !sapply(dt_or…
Number of rows 2707316
Number of columns 25
Key NULL
_______________________
Column type frequency:
character 5
Date 4
numeric 16
________________________
Group variables None

Variable type: character

skim_variable n_missing complete_rate min max empty n_unique whitespace
COD_PRODUCTO 0 1 6 6 0 87 0
COD_SUCURSAL 0 1 9 10 0 6040 0
MONEDA 0 1 3 3 0 3 0
NIT_CLIENTE 0 1 5 10 0 1631874 0
ULTIMO_ESTADO 0 1 3 3 0 23 0

Variable type: Date

skim_variable n_missing complete_rate min max median n_unique
FECHA_DESEMBOLSO 0 1 2004-05-31 2024-01-31 2021-03-03 2843
FECHA_CREACION 0 1 2005-01-23 2024-01-31 2021-02-27 2789
FECHA_INFORMACION 0 1 2018-01-01 2024-01-01 2021-03-01 73
FECHA_ULTIMO_ESTADO 0 1 2018-01-01 2024-05-01 2022-10-01 77

Variable type: numeric

skim_variable n_missing complete_rate mean sd p0 p25 p50 p75 p100 hist
V1 0 1.00 1353658.50 781534.96 1 676829.75 1353658.50 2030487.25 2.707316e+06 ▇▇▇▇▇
NO_GARANTIA 0 1.00 7197723.35 1436408.77 150580 5668108.00 7483118.50 8471714.25 9.421724e+06 ▁▁▅▅▇
COD_MUNICIPIO_GARANTIA 3 1.00 36456.16 27383.84 5001 11001.00 25286.00 66170.00 9.977300e+04 ▇▂▂▅▁
VALOR_DESEMBOLSADO 0 1.00 37193902.72 180504641.72 0 2324600.00 5450000.00 21160000.00 1.000000e+11 ▇▁▁▁▁
VALOR_INICIAL 0 1.00 21546293.74 125516467.22 0 1400000.00 3546620.00 12850000.00 8.000000e+10 ▇▁▁▁▁
COMISION 0 1.00 4.45 3.28 0 2.65 3.65 5.35 5.579000e+01 ▇▁▁▁▁
PLAZO 0 1.00 26.10 21.65 0 13.00 24.00 36.00 9.990000e+02 ▇▁▁▁▁
TIPO_PLAZO 21 1.00 2.99 0.13 1 3.00 3.00 3.00 3.000000e+00 ▁▁▁▁▇
COMISION_RIESGO 0 1.00 90.47 7.41 0 86.77 89.71 96.62 1.000000e+02 ▁▁▁▁▇
COMISION_FNG 0 1.00 99.70 5.21 0 100.00 100.00 100.00 1.000000e+02 ▁▁▁▁▇
CIIU 54627 0.98 4650.21 2351.30 0 4330.00 4722.00 5225.00 9.900000e+03 ▂▁▇▁▂
AVALUO 0 1.00 342340.76 5197097.82 0 0.00 0.00 0.00 3.782249e+08 ▇▁▁▁▁
% FINANCIACION 0 1.00 0.23 3.40 0 0.00 0.00 0.00 8.000000e+01 ▇▁▁▁▁
GARANTIA_ANTERIOR 2707313 0.00 1279850.67 35546.35 1238807 1269427.00 1300047.00 1300372.50 1.300698e+06 ▃▁▁▁▇
TIPO_CARTERA 20 1.00 3.12 1.34 1 1.00 4.00 4.00 4.000000e+00 ▃▁▁▁▇
NO_GTIA_NOVADA 0 1.00 0.02 0.15 0 0.00 0.00 0.00 1.000000e+00 ▇▁▁▁▁

1.3 Characteristics over Time

1.3.0 Borrowers

1.3.1 VALOR_DESEMBOLSADO

1.3.2 VALOR_INCIAL

1.3.3 COMISION

1.3.4 COMISION_RIESGO

2. COMPORTAMIENTO

2.1 Overview

Rows: 54653207 
Columns: 9
variable class missing_pct
V1 integer 0.0
NO_GARANTIA integer 0.0
FECHA_INFORMACION Date 0.0
FECHA_CORTE Date 0.0
ESTADO character 0.0
SALDO_CREDITO numeric 0.0
SALDO_GARANTIA numeric 0.0
FECHA_INICIO_MORA Date 81.5
CUOTAS_MORA integer 0.0

2.2 Skim Summary

Data summary
Name dt_comp[, !sapply(dt_comp…
Number of rows 54653207
Number of columns 9
Key NULL
_______________________
Column type frequency:
character 1
Date 3
numeric 5
________________________
Group variables None

Variable type: character

skim_variable n_missing complete_rate min max empty n_unique whitespace
ESTADO 0 1 3 3 0 31 0

Variable type: Date

skim_variable n_missing complete_rate min max median n_unique
FECHA_INFORMACION 0 1.00 2018-01-01 2024-01-01 2021-08-01 73
FECHA_CORTE 4410 1.00 2004-01-30 2204-12-28 2021-07-31 2860
FECHA_INICIO_MORA 44527423 0.19 1997-12-11 2024-01-30 2021-06-07 6987

Variable type: numeric

skim_variable n_missing complete_rate mean sd p0 p25 p50 p75 p100 hist
V1 0 1 27326604.00 15777022.03 1 13663303 27326604 40989906 54653207 ▇▇▇▇▇
NO_GARANTIA 0 1 6392857.59 1519900.04 102 5084888 6243613 7846488 9421724 ▁▁▇▅▆
SALDO_CREDITO 0 1 28243662.74 155143745.96 0 1939507 5455081 21417201 226977423750 ▇▁▁▁▁
SALDO_GARANTIA 0 1 16181112.91 115188600.72 0 1064505 3265694 9970581 113488711875 ▇▁▁▁▁
CUOTAS_MORA 0 1 0.66 2.49 0 0 0 0 987 ▇▁▁▁▁

2.3 Behavior over Time

2.3.1 Saldo crédito

2.3.2 Saldo garantía

2.3.3 cuotas mora

3. SINIESTROS

3.1 Overview

Rows: 407749 
Columns: 7
variable class missing_pct
V1 integer 0
NO_GARANTIA integer 0
FECHA_LIQUIDACION Date 0
VALOR_TOTAL_PAGADO integer64 0
VALOR_FNG integer64 0
SALDO_CAPITAL integer64 0
FECHA_INI_MORA Date 0

3.2 Skim Summary

Data summary
Name dt_sini[, !sapply(dt_sini…
Number of rows 407749
Number of columns 4
Key NULL
_______________________
Column type frequency:
Date 2
numeric 2
________________________
Group variables None

Variable type: Date

skim_variable n_missing complete_rate min max median n_unique
FECHA_LIQUIDACION 0 1 2017-08-03 2023-12-20 2022-02-23 1520
FECHA_INI_MORA 0 1 2009-10-08 2023-11-30 2021-05-10 2775

Variable type: numeric

skim_variable n_missing complete_rate mean sd p0 p25 p50 p75 p100 hist
V1 0 1 203929.8 117723.9 1 101987 203934 305878 407825 ▇▇▇▇▇
NO_GARANTIA 0 1 6211455.4 1480766.2 949345 4919497 6018842 7703301 8954218 ▁▁▇▃▆

3.3 Siniestros over time

3.3.0 defaults over time

3.3.1 Saldo

3.3.2 Valor fng

Valor total pagado