The main purposes of this paper are to review and integrate the applications of discriminant analysis, factor analysis, and logistic regression in credit risk management. First, we discuss how the discriminant analysis can be used for credit rating such as calculating financial z-score to...

The research objective of this study is to isolate a few "key" financial ratios significantly explaining variation in commercial bank profitability. A methodological objective is to test the operational and statistical results of regressing only variables that strongly discriminate between...

Why do some economies grow faster than others? Do economies in the middle-income range face especially difficult challenges producing consistent growth? Using a transition matrix analysis on decade-level growth rates, we find that the data clearly reject the idea that middle-income economies...