Year

1

2

3

4

5

Bankrupt accuracy

77.8%

59.1%

50.0%

41.5%

35.1%

Non-bankrupt accuracy

47.5%

52.5%

55.0%

52.5%

63.9%

Total accuracy

63.5%

55.9%

52.4%

46.9%

49.3%

Bankrupt accuracy including grey area

88.9%

86.4%

70.5%

70.7%

83.8%

Non-bankrupt accuracy including grey area

60.0%

72.5%

75.0%

75.0%

88.9%

Total accuracy including grey area

72.9%

69.1%

59.5%

60.5%

67.1%

Total bankruptcy

61.2%

45.2%

39.3%

34.6%

30.1%

Total non-bankrupt

29.4%

34.5%

44.1%

46.9%

52.1%

Total within grey area

11.8%

23.8%

20.2%

25.9%

36.9%