Financial-Risk-Analysis-Assessment

This study examines risk among students and non-students based on their income and account balances. Excel, Power BI, and MSSQL were used together in this study.

Project Summary

In this study, a dataset of 10,000 rows obtained from Kaggle underwent the necessary data cleaning processes, was converted into the required SQL queries using MSSQL, and was then visualized using DAX formulas in Power BI.

Sample Query And Output

1. AVERAGE Balance

SELECT CAST(AVG(balance) as decimal (10,2)) as Avarage_Balance from Finance

2. AVERAGE INCOME

SELECT CAST(AVG(income) AS decimal(10,2)) as avarage_income from finance

3. DEFAULT RATE

SELECT CAST( (SELECT COUNT(default_) from Finance where default_='Yes')*100.0/COUNT(default_) AS decimal (10,2) ) AS Default_rate from finance

4. TOTAL CUSTOMER

SELECT COUNT(DISTINCT Customer_id) AS numberofcustomer from Finance

5. AVG BALANCE FOR STUDENTS

SELECT student, CAST(AVG(balance) as decimal (10,3)) as AVGBalanceForStudent from Finance Group BY student

6. NEW COLUMN DEBT TO INCOME

ALTER TABLE Finance ADD DEBTTOINCOME FLOAT UPDATE Finance SET DEBTTOINCOME=(SELECT CAST(balance/income AS decimal(10,3)) from Finance as f2 where f2.Customer_id=Finance.Customer_id)

7. AVG BALANCE BY INCOME GROUP AND STUDENT

SELECT student,INCOMEGROUP_LABEL,AVG(balance) AS AVG_BALANCE from Finance GROUP BY student,INCOMEGROUP_LABEL ORDER BY INCOMEGROUP_LABEL

8. RISK STATUS

ALTER TABLE Finance ADD RISKSTATUS varchar(50) UPDATE Finance SET RISKSTATUS= CASE WHEN DEBTTOINCOME < 0.06 THEN 'Low Risk' WHEN DEBTTOINCOME < 0.16 THEN 'Normal Risk' WHEN DEBTTOINCOME < 0.31 THEN 'Medium Risk' ELSE 'High Risk' END

D. PERCENTAGE BY RISK STATUS SELECT RISKSTATUS, CAST(COUNT(RISKSTATUS)*100.0/(SELECT COUNT(RISKSTATUS) FROM Finance) AS decimal(10,2)) AS PERCANTAGEBYRISKSTATUS FROM Finance GROUP BY RISKSTATUS

9. INCOME GROUP

ALTER TABLE Finance ADD INCOMEGROUP int WITH QUARTER_ AS (SELECT Customer_id, NTILE(4) OVER (ORDER BY income) AS Quarternumber from Finance) UPDATE Finance SET INCOMEGROUP=q.Quarternumber from Finance INNER JOIN Quarter_ as q on q.customer_id=Finance.Customer_id

10. Income Group Label

ALTER TABLE Finance ADD INCOMEGROUP_LABEL varchar(50) UPDATE Finance SET INCOMEGROUP_LABEL= (SELECT CASE WHEN INCOMEGROUP=1 THEN 'Low income' WHEN INCOMEGROUP=2 THEN 'Lower-middle income' WHEN INCOMEGROUP=3 THEN 'Upper-middle income' ELSE 'High income' end from Finance f2 WHERE f2.Customer_id=Finance.Customer_id)

11. High RİSK PERCANTAGE BY STUDENT STATION EFFECT WITH INCOMEGROUP

SELECT student,INCOMEGROUP_LABEL, CAST(SUM(CASE WHEN RISKSTATUS='High Risk' THEN 1 ELSE 0 END) * 100.0/ COUNT(*) AS decimal(10,2)) AS RISK_PERCENTAGE FROM Finance GROUP BY student, INCOMEGROUP_LABEL ORDER BY student, INCOMEGROUP_LABEL

✉️ Contact

• First Name, Last Name: Emircan Yucak
• LinkedIn: www.linkedin.com/in/emircan-yucak-09a625427
• Email: emir_yucak1979@hotmail.com