All praise and thanks to Allah Almighty who graced me with the strength and guidance for completing this research. This book aimed to explain the loan evaluation method known as credit scoring. Credit scoring is a technique that helps banks decides whether to grant credit to applicants who apply to them or not. The main objective of the research was to evaluate credit risk in commercial banks of Pakistan using credit scoring models. Two credit scoring models were developed to assess the creditworthiness of the bank's credit applications. It is highly recommended that commercial banks should...