Credit Scoring / Financial Distress / Multidisciplinary / Logistic Regression / Financial Analysis / Decision support system / Bayesian Inference / Discriminant Analysis / Financial Institutions / Capital / Bit Error Rate / European / Decision making process / Financial Ratios / Statistical Model / Classifier / Decision support system / Bayesian Inference / Discriminant Analysis / Financial Institutions / Capital / Bit Error Rate / European / Decision making process / Financial Ratios / Statistical Model / Classifier