with
t1 as (
select
l.customer_id,
pay_ability,
overdue_days
from
loan_tb l
left join customer_tb c on l.customer_id = c.customer_id
)
select
pay_ability,
concat (
round(
(
sum(
case
when overdue_days is not null then 1
else 0
end
) / count(customer_id)
) * 100,
1
),
'%'
) overdue_ratio
from
t1
group by
pay_ability
order by
overdue_ratio desc


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