Task: Text to Code
Input (English): SQL: SELECT T1.bname FROM bank AS T1 JOIN customer AS T2 ON T1.branch_ID = T2.branch_ID WHERE T2.credit_score < 100
Feedback: Here in step 2 it should also verify that customer has taken loan from that bank .
Output (English): SELECT T2.bname FROM loan AS T1 JOIN bank AS T2 ON T1.branch_id  =  T2.branch_id JOIN customer AS T3 ON T1.cust_id  =  T3.cust_id WHERE T3.credit_score  <  100