Classes
 Above65
 Above65 ⊑ AgeValue
 Account
 Account ⊑ ¬ Transaction
 Account ⊑ ¬ Loan
 Account ⊑ ¬ Client
 Account ⊑ ¬ LoanStatusValue
 Account ⊑ ¬ PermanentOrder
 Account ⊑ ¬ Payment
 Account ⊑ ¬ Region
 Account ⊑ ¬ CreditCard
 Account ⊑ ¬ AgeValue
 Account ⊑ ¬ SexValue
 AfterTransaction
 AfterTransaction ⊑ StatementIssuanceFrequencyValue
 AfterTransaction ⊑ ¬ Monthly
 AfterTransaction ⊑ ¬ Weekly
 AgeValue
 AgeValue ⊑ ¬ SexValue
 AgeValue ⊑ ¬ LoanStatusValue
 AgeValue ⊑ ¬ Region
 AgeValue ⊑ ¬ CreditCard
 AgeValue ⊑ ¬ Transaction
 AgeValue ⊑ ¬ Client
 AgeValue ⊑ ¬ Account
 AgeValue ⊑ ¬ Loan
 AgeValue ⊑ ¬ PermanentOrder
 AgeValue ⊑ ¬ Payment
 Below18
 Below18 ⊑ AgeValue
 Below18 ⊑ ¬ From25To35
 Below18 ⊑ ¬ From50To65
 Below18 ⊑ ¬ From18To25
 Below18 ⊑ ¬ From35To50
CashCredit
 CashCredit ⊑ Credit
 CashCredit ⊑ ¬ CollectionAnotherBank
 CashWithdrawal
 CashWithdrawal ⊑ Withdrawal
 CashWithdrawal ⊑ ¬ CreditCardWithdrawal
 CashWithdrawal ⊑ ¬ RemittanceAnotherBank
 CentralBohemia
 CentralBohemia ⊑ Region
 CentralBohemia ⊑ ¬ SouthBohemia
 CentralBohemia ⊑ ¬ EastBohemia
 CentralBohemia ⊑ ¬ Prague
 CentralBohemia ⊑ ¬ NorthMoravia
 CentralBohemia ⊑ ¬ SouthMoravia
 CentralBohemia ⊑ ¬ NorthBohemia
 Classic
 Classic ⊑ CreditCard
 Classic ⊑ ¬ Gold
 Classic ⊑ ¬ Junior
 Client
 Client ⊑ ¬ PermanentOrder
 Client ⊑ ¬ Payment
 Client ⊑ ¬ Account
 Client ⊑ ¬ LoanStatusValue
 Client ⊑ ¬ CreditCard
 Client ⊑ ¬ AgeValue
 Client ⊑ ¬ Transaction
 Client ⊑ ¬ Region
 Client ⊑ ¬ Loan
 Client ⊑ ¬ SexValue
 CollectionAnotherBank
 CollectionAnotherBank ⊑ Credit
 CollectionAnotherBank ⊑ ¬ CashCredit
 Credit
 Credit ⊑ Transaction
Credit ⊑ ¬ Withdrawal
 CreditCard
 CreditCard ⊑ ¬ Transaction
 CreditCard ⊑ ¬ AgeValue
 CreditCard ⊑ ¬ Loan
 CreditCard ⊑ ¬ Client
 CreditCard ⊑ ¬ Region
 CreditCard ⊑ ¬ SexValue
 CreditCard ⊑ ¬ Account
 CreditCard ⊑ ¬ Payment
 CreditCard ⊑ ¬ PermanentOrder
 CreditCard ⊑ ¬ LoanStatusValue
 CreditCardWithdrawal
 CreditCardWithdrawal ⊑ Withdrawal
 CreditCardWithdrawal ⊑ ¬ CashWithdrawal
 CreditCardWithdrawal ⊑ ¬ RemittanceAnotherBank
 DebtRunningLoan
 DebtRunningLoan ⊑ Running
 DebtRunningLoan ⊑ ∀ hasLoanStatusValue ProblemStatus
 DebtRunningLoan ⊑ ¬ OKRunningLoan
 EastBohemia
 EastBohemia ⊑ Region
 EastBohemia ⊑ ¬ CentralBohemia
 EastBohemia ⊑ ¬ NorthBohemia
 EastBohemia ⊑ ¬ SouthBohemia
 EastBohemia ⊑ ¬ Prague
 EastBohemia ⊑ ¬ NorthMoravia
 EastBohemia ⊑ ¬ SouthMoravia
 FemaleSex
 FemaleSex ⊑ SexValue
 FemaleSex ⊑ ¬ MaleSex
 Finished
 Finished ⊑ Loan
 Finished ⊑ ¬ Running
ForStatementPayment
 ForStatementPayment ⊑ Payment
 ForStatementPayment ⊑ ¬ HouseholdPayment
 ForStatementPayment ⊑ ¬ Leasing
 ForStatementPayment ⊑ ¬ LoanPayment
 ForStatementPayment ⊑ ¬ InsurrancePayment
 From18To25
 From18To25 ⊑ AgeValue
 From18To25 ⊑ ¬ Below18
 From18To25 ⊑ ¬ From50To65
 From18To25 ⊑ ¬ From25To35
 From18To25 ⊑ ¬ From35To50
 From25To35
 From25To35 ⊑ AgeValue
 From25To35 ⊑ ¬ Below18
 From25To35 ⊑ ¬ From35To50
 From25To35 ⊑ ¬ From18To25
 From25To35 ⊑ ¬ From50To65
 From35To50
 From35To50 ⊑ AgeValue
 From35To50 ⊑ ¬ From25To35
 From35To50 ⊑ ¬ From18To25
 From35To50 ⊑ ¬ From50To65
 From35To50 ⊑ ¬ Below18
 From50To65
 From50To65 ⊑ AgeValue
 From50To65 ⊑ ¬ Below18
 From50To65 ⊑ ¬ From18To25
 From50To65 ⊑ ¬ From25To35
 From50To65 ⊑ ¬ From35To50
 Gold
 Gold ⊑ CreditCard
 Gold ⊑ ¬ Classic
 Gold ⊑ ¬ Junior
HouseholdPayment
 HouseholdPayment ⊑ Payment
 HouseholdPayment ⊑ ¬ ForStatementPayment
 HouseholdPayment ⊑ ¬ InsurrancePayment
 HouseholdPayment ⊑ ¬ LoanPayment
 HouseholdPayment ⊑ ¬ Leasing
 InsurrancePayment
 InsurrancePayment ⊑ Payment
 InsurrancePayment ⊑ ¬ LoanPayment
 InsurrancePayment ⊑ ¬ Leasing
 InsurrancePayment ⊑ ¬ HouseholdPayment
 InsurrancePayment ⊑ ¬ ForStatementPayment
 InterestsCredited
 InterestsCredited ⊑ Credit
 Junior
 Junior ⊑ CreditCard
 Junior ⊑ ¬ Gold
 Junior ⊑ ¬ Classic
 Leasing
 Leasing ⊑ Payment
 Leasing ⊑ ¬ LoanPayment
 Leasing ⊑ ¬ InsurrancePayment
 Leasing ⊑ ¬ ForStatementPayment
 Leasing ⊑ ¬ HouseholdPayment
 Loan
 Loan ⊑ ¬ Account
 Loan ⊑ ¬ LoanStatusValue
 Loan ⊑ ¬ Payment
 Loan ⊑ ¬ Transaction
 Loan ⊑ ¬ PermanentOrder
 Loan ⊑ ¬ CreditCard
 Loan ⊑ ¬ AgeValue
 Loan ⊑ ¬ Client
 Loan ⊑ ¬ Region
 Loan ⊑ ¬ SexValue

LoanPayment
 LoanPayment ⊑ Payment
 LoanPayment ⊑ ¬ InsurrancePayment
 LoanPayment ⊑ ¬ Leasing
 LoanPayment ⊑ ¬ HouseholdPayment
 LoanPayment ⊑ ¬ ForStatementPayment
 LoanStatusValue
 LoanStatusValue ⊑ ¬ Loan
 LoanStatusValue ⊑ ¬ AgeValue
 LoanStatusValue ⊑ ¬ Transaction
 LoanStatusValue ⊑ ¬ Account
 LoanStatusValue ⊑ ¬ Payment
 LoanStatusValue ⊑ ¬ Client
 LoanStatusValue ⊑ ¬ PermanentOrder
 LoanStatusValue ⊑ ¬ Region
 LoanStatusValue ⊑ ¬ SexValue
 LoanStatusValue ⊑ ¬ CreditCard
 MaleSex
 MaleSex ⊑ SexValue
 MaleSex ⊑ ¬ FemaleSex
 Man
 Man ⊑ Client
 Man ⊑ ∀ hasSexValue MaleSex
 Man ⊑ ¬ Woman
 Monthly
 Monthly ⊑ StatementIssuanceFrequencyValue
 Monthly ⊑ ¬ Weekly
 Monthly ⊑ ¬ AfterTransaction
 NoProblemsFinishedLoan
 NoProblemsFinishedLoan ⊑ ∀ hasLoanStatusValue OKStatus
 NoProblemsFinishedLoan ⊑ Finished
 NoProblemsFinishedLoan ⊑ ¬ NotPaidFinishedLoan
 NorthBohemia
 NorthBohemia ⊑ Region
 NorthBohemia ⊑ ¬ SouthBohemia

NorthBohemia ⊑ ¬ EastBohemia
 NorthBohemia ⊑ ¬ Prague
 NorthBohemia ⊑ ¬ NorthMoravia
 NorthBohemia ⊑ ¬ SouthMoravia
 NorthBohemia ⊑ ¬ CentralBohemia
 NorthMoravia
 NorthMoravia ⊑ Region
 NorthMoravia ⊑ ¬ SouthMoravia
 NorthMoravia ⊑ ¬ NorthBohemia
 NorthMoravia ⊑ ¬ CentralBohemia
 NorthMoravia ⊑ ¬ EastBohemia
 NorthMoravia ⊑ ¬ SouthBohemia
 NorthMoravia ⊑ ¬ Prague
 NotPaidFinishedLoan
 NotPaidFinishedLoan ⊑ ∀ hasLoanStatusValue ProblemStatus
 NotPaidFinishedLoan ⊑ Finished
 NotPaidFinishedLoan ⊑ ¬ NoProblemsFinishedLoan
 OKRunningLoan
 OKRunningLoan ⊑ Running
 OKRunningLoan ⊑ ∀ hasLoanStatusValue OKStatus
 OKRunningLoan ⊑ ¬ DebtRunningLoan
 OKStatus
 OKStatus ⊑ LoanStatusValue
 OKStatus ⊑ ¬ ProblemStatus
 OldAgePension
 OldAgePension ⊑ CollectionAnotherBank
 Payment
 Payment ⊑ ¬ Client
 Payment ⊑ ¬ Loan
 Payment ⊑ ¬ LoanStatusValue
 Payment ⊑ ¬ Region
 Payment ⊑ ¬ Transaction
 Payment ⊑ ¬ Account
 Payment ⊑ ¬ CreditCard
 Payment ⊑ ¬ SexValue

Payment ⊑ ¬ PermanentOrder
 Payment ⊑ ¬ AgeValue
 PermanentOrder
 PermanentOrder ⊑ Thing
 PermanentOrder ⊑ ∀ isPermanentOrderFor Payment
 PermanentOrder ⊑ ¬ Client
 PermanentOrder ⊑ ¬ SexValue
 PermanentOrder ⊑ ¬ Region
 PermanentOrder ⊑ ¬ Loan
 PermanentOrder ⊑ ¬ Account
 PermanentOrder ⊑ ¬ LoanStatusValue
 PermanentOrder ⊑ ¬ Transaction
 PermanentOrder ⊑ ¬ CreditCard
 PermanentOrder ⊑ ¬ AgeValue
 PermanentOrder ⊑ ¬ Payment
 Prague
 Prague ⊑ Region
 Prague ⊑ ¬ NorthBohemia
 Prague ⊑ ¬ SouthMoravia
 Prague ⊑ ¬ CentralBohemia
 Prague ⊑ ¬ SouthBohemia
 Prague ⊑ ¬ EastBohemia
 Prague ⊑ ¬ NorthMoravia
 ProblemStatus
 ProblemStatus ⊑ LoanStatusValue
 ProblemStatus ⊑ ¬ OKStatus
 Region
 Region ⊑ ¬ Transaction
 Region ⊑ ¬ AgeValue
 Region ⊑ ¬ PermanentOrder
 Region ⊑ ¬ Payment
 Region ⊑ ¬ CreditCard
 Region ⊑ ¬ Account
 Region ⊑ ¬ SexValue
 Region ⊑ ¬ Client
 Region ⊑ ¬ LoanStatusValue
 Region ⊑ ¬ Loan

RemittanceAnotherBank
 RemittanceAnotherBank ⊑ Withdrawal
 RemittanceAnotherBank ⊑ ¬ CashWithdrawal
 RemittanceAnotherBank ⊑ ¬ CreditCardWithdrawal
 Running
 Running ⊑ Loan
 Running ⊑ ¬ Finished
 SanctionInterestCashWithdrawal
 SanctionInterestCashWithdrawal ⊑ CashWithdrawal
 SexValue
 SexValue ⊑ ¬ AgeValue
 SexValue ⊑ ¬ PermanentOrder
 SexValue ⊑ ¬ Transaction
 SexValue ⊑ ¬ CreditCard
 SexValue ⊑ ¬ Region
 SexValue ⊑ ¬ Payment
 SexValue ⊑ ¬ Account
 SexValue ⊑ ¬ LoanStatusValue
 SexValue ⊑ ¬ Client
 SexValue ⊑ ¬ Loan
 SouthBohemia
 SouthBohemia ⊑ Region
 SouthBohemia ⊑ ¬ CentralBohemia
 SouthBohemia ⊑ ¬ NorthBohemia
 SouthBohemia ⊑ ¬ EastBohemia
 SouthBohemia ⊑ ¬ Prague
 SouthBohemia ⊑ ¬ SouthMoravia
 SouthBohemia ⊑ ¬ NorthMoravia
 SouthMoravia
 SouthMoravia ⊑ Region
 SouthMoravia ⊑ ¬ NorthMoravia
 SouthMoravia ⊑ ¬ Prague
 SouthMoravia ⊑ ¬ NorthBohemia
 SouthMoravia ⊑ ¬ SouthBohemia
 SouthMoravia ⊑ ¬ CentralBohemia
 SouthMoravia ⊑ ¬ EastBohemia

StatementIssuanceFrequencyValue
 Thing
 Transaction
 Transaction ⊑ ¬ Account
 Transaction ⊑ ¬ Region
 Transaction ⊑ ¬ CreditCard
 Transaction ⊑ ¬ LoanStatusValue
 Transaction ⊑ ¬ Loan
 Transaction ⊑ ¬ Payment
 Transaction ⊑ ¬ AgeValue
 Transaction ⊑ ¬ SexValue
 Transaction ⊑ ¬ PermanentOrder
 Transaction ⊑ ¬ Client
 Weekly
 Weekly ⊑ StatementIssuanceFrequencyValue
 Weekly ⊑ ¬ Monthly
 Weekly ⊑ ¬ AfterTransaction
 WestBohemia
 WestBohemia ⊑ Region
 Withdrawal
 Withdrawal ⊑ Transaction
 Withdrawal ⊑ ¬ Credit
 Woman
 Woman ⊑ Client
 Woman ⊑ ∀ hasSexValue FemaleSex
 Woman ⊑ ¬ Man
 Object properties
 IsLoanOf
 IsLoanOf ≡ hasLoan−
 ⊤ ⊑≤1IsLoanOf Thing
 ⊤ ⊑≤1IsLoanOf− Thing
 ∃ IsLoanOf Thing ⊑ Loan
 ⊤ ⊑∀IsLoanOf Account

hasAgeValue
 ⊤ ⊑≤1hasAgeValue Thing
 ∃ hasAgeValue Thing ⊑ Client
 ⊤ ⊑∀hasAgeValue AgeValue
 hasCreditCard
 hasCreditCard ≡ isCreditCardOf−
 ⊤ ⊑≤1hasCreditCard− Thing
 ∃ hasCreditCard Thing ⊑ Client
 ⊤ ⊑∀hasCreditCard CreditCard
 hasLoan
 IsLoanOf ≡ hasLoan−
 ⊤ ⊑≤1hasLoan Thing
 ⊤ ⊑≤1hasLoan− Thing
 ∃ hasLoan Thing ⊑ Account
 ⊤ ⊑∀hasLoan Loan
 hasLoanStatusValue
 ⊤ ⊑≤1hasLoanStatusValue Thing
 ∃ hasLoanStatusValue Thing ⊑ Loan
 ⊤ ⊑∀hasLoanStatusValue LoanStatusValue
 hasOwner
 hasOwner ≡ isOwnerOf−
 ⊤ ⊑≤1hasOwner Thing
 ∃ hasOwner Thing ⊑ Account
 ⊤ ⊑∀hasOwner Client
 hasPermanentOrder
 ∃ hasPermanentOrder Thing ⊑ Account
 ⊤ ⊑∀hasPermanentOrder PermanentOrder
 hasSexValue
 ⊤ ⊑≤1hasSexValue Thing
 ∃ hasSexValue Thing ⊑ Client
 ⊤ ⊑∀hasSexValue SexValue
 hasStatementIssuanceFrequency
 ⊤ ⊑≤1hasStatementIssuanceFrequency Thing

∃ hasStatementIssuanceFrequency Thing ⊑ Account
 ⊤ ⊑∀hasStatementIssuanceFrequency StatementIssuanceFrequencyValue
 isCreditCardOf
 hasCreditCard ≡ isCreditCardOf−
 ⊤ ⊑≤1isCreditCardOf Thing
 ∃ isCreditCardOf Thing ⊑ CreditCard
 ⊤ ⊑∀isCreditCardOf Client
 isOwnerOf
 hasOwner ≡ isOwnerOf−
 ⊤ ⊑≤1isOwnerOf− Thing
 ∃ isOwnerOf Thing ⊑ Client
 ⊤ ⊑∀isOwnerOf Account
 isPermanentOrderFor
 ⊤ ⊑≤1isPermanentOrderFor Thing
 ∃ isPermanentOrderFor Thing ⊑ PermanentOrder
 ⊤ ⊑∀isPermanentOrderFor Payment
 isTransactionFrom
 ⊤ ⊑≤1isTransactionFrom Thing
 ∃ isTransactionFrom Thing ⊑ Transaction
 ⊤ ⊑∀isTransactionFrom Account
 isUserOf
 ∃ isUserOf Thing ⊑ Client
 ⊤ ⊑∀isUserOf Account
 isWithdrawalFor
 ⊤ ⊑≤1isWithdrawalFor Thing
 ∃ isWithdrawalFor Thing ⊑ Withdrawal
 ⊤ ⊑∀isWithdrawalFor Payment
 livesIn
 ⊤ ⊑≤1livesIn Thing
 ∃ livesIn Thing ⊑ Client
 ⊤ ⊑∀livesIn Region

Data properties
 Individuals
 Datatypes