STAT 663 Graph Redesign

Default Rate By Industry

By Ying Hu

Original Graph

Major Crimes

• Use volume to represent the rate. • Hard to get a clear reading. • Hard to compare different industries for the

same year

Underlying Data

Thinking ProcessDefault rate by Major Industries

-102468

10121416

1970

1975

1980

1985

1990

1995

2000

2005

2010

ConsumerCapitalRetail

-102468

10121416

1970

1975

1980

1985

1990

1995

2000

2005

2010

MediaTransportationEnergy

-102468

10121416

1970

1975

1980

1985

1990

1995

2000

2005

2010

Gov tFireTechnology

-102468

10121416

1970

1975

1980

1985

1990

1995

2000

2005

2010

BankingUtilities

About Intermediate Graph• easy to read the default rate for each

year for each industry.• Smaller groups make it easy to

compare between industries. • The grouping shows some kind of

pattern:– The lower right shows industries with a

low default rate across all years, such as Banking and Utility. (Note, the data is up to 2008, before all the financial crisis began).

– Lower left shows industries with a flat rate in general but a couple of big spikes.

– Top two panels have industries that show seasonality and go up and down in cycles.

• Problem: difficult to compare across the panels.

Final ProductDefault Rate by Industries

Year

Rat

e05

1015

05

1015

05

1015

05

1015

05

1015

05

1015

05

1015

05

1015

05

1015

05

1015

1970 1975 1980 1985 1990 1995 2000 2005

BankingC

apitalConsumerE

nergy Govt

Media R

etailTechnologyTransportation

Utilities

Industry

Banking

Capital

Consumer

Energy

Govt

Media

Retail

Technology

Transportation

Utilities

Final Product

• Clean looking• No overcrowding• Easy to read for each industry, each year• Easy to compare across industries

What do you think

Default Rate by Industries

Year

Rat

e

05

1015

05

1015

05

1015

05

1015

05

1015

05

1015

05

1015

05

1015

05

1015

05

1015

1970 1975 1980 1985 1990 1995 2000 2005

Banking

CapitalC

onsumerE

nergy G

ovtM

edia R

etailTechnologyTransportationUtilities

Industry

Banking

Capital

Consumer

Energy

Govt

Media

Retail

Technology

Transportation

Utilities