A Cost of Misclassification Adjustment Approach for Estimating Optimal Cut-Off Point for Classification

Table 11

Performance metric evaluation for the home equity loan data.

Measures	Bayesian model 1 (%)	Bayesian model 2 (%)	Logistic regression (%)
Sensitivity	68.00	60.67	73.33
Specificity	68.14	78.29	94.00
Accuracy	64.60	73.00	87.80
Concordance probability	0.4294	0.4750	0.6893