gbmcv_bin(df, bad, tot_derog) ### OUTPUT ### # $df # bin rule freq dist mv_cnt bad_freq bad_rate woe iv ks # 00 is.na($X) 213 0.0365 213 70 0.3286 0.6416 0.0178 2.7716 # 01 $X <= 1 3741 0.6409 0 560 0.1497 -0.3811 0.0828 18.9469 # 02 $X > 1 & $X <= 2 478 0.0819 0 121 0.2531 0.2740 0.0066 16.5222 # 03 $X > 2 1405 0.2407 0 445 0.3167 0.5871 0.0970 0.0000 # $cuts # [1] 1 2