Our main data are proprietary Öles covering 2003-2010 from one of the ten large Greek banks, which together account for eighty percent of the market share. The bank has tens of thousands of customers, with branches across the country. The dataset is the universe of applications for consumer credit products and mortgages, both approved and rejected. Consumer credit products include term loans, credit lines, credit cards, overdraft facilities, appliance loans, and reÖnancings. Our dataset includes every piece of hard information that the bank uses in its credit scoring model. Administrative data provide the date of the application, the branch o¢ ce, the purpose of the loan, the requested.
