diff --git a/client/src/pages/BankPage.tsx b/client/src/pages/BankPage.tsx
index d530ec7..8c4e15a 100644
--- a/client/src/pages/BankPage.tsx
+++ b/client/src/pages/BankPage.tsx
@@ -26,12 +26,12 @@ interface ScoringConfig {
 }
 
 const DEFAULT_CONFIG: ScoringConfig = {
-  netMargin:    { weight: 25, excellent: 10, pass: 5,   higherIsBetter: true  },
-  stability:    { weight: 20, excellent: 0.15, pass: 0.3, higherIsBetter: false },
-  storeHealth:  { weight: 20, excellent: 10, pass: 25,  higherIsBetter: false },
-  scale:        { weight: 15, excellent: 500000, pass: 200000, higherIsBetter: true },
-  discountRate: { weight: 10, excellent: 18, pass: 25,  higherIsBetter: false },
-  memberShare:  { weight: 10, excellent: 15, pass: 5,   higherIsBetter: true  },
+  netMargin:    { weight: 25, excellent: 8,   pass: 3,     higherIsBetter: true  },
+  stability:    { weight: 20, excellent: 0.15, pass: 0.3,   higherIsBetter: false },
+  storeHealth:  { weight: 20, excellent: 15,   pass: 30,    higherIsBetter: false },
+  scale:        { weight: 15, excellent: 30000000, pass: 5000000, higherIsBetter: true },
+  discountRate: { weight: 10, excellent: 18,   pass: 25,    higherIsBetter: false },
+  memberShare:  { weight: 10, excellent: 15,   pass: 5,     higherIsBetter: true  },
 }
 
 const CHANNEL_LABELS: Record<string, string> = {