This paper presents two cases of random banking data generators based on
migration matrices and scoring rules. The banking data generator is a new hope
in researches of finding the proving method of comparisons of various credit
scoring techniques. There is analyzed the influence of one cyclic
macro--economic variable on stability in the time account and client
characteristics. Data are very useful for various analyses to understand in the
better way the complexity of the banking processes and also for students and
their researches.