CREATE TABLE bank (branch_id NUMBER, bname CLOB, no_of_customers NUMBER, city CLOB, state CLOB)
CREATE TABLE customer (cust_id CLOB, cust_name CLOB, acc_type CLOB, acc_bal NUMBER, no_of_loans NUMBER, credit_score NUMBER, branch_id NUMBER, state CLOB)
CREATE TABLE loan (loan_id CLOB, loan_type CLOB, cust_id CLOB, branch_id CLOB, amount NUMBER)

Find the name of customers whose credit score is below the average credit scores of all customers.
SELECT cust_name FROM customer WHERE credit_score < (SELECT AVG(credit_score) FROM customer)
SELECT "cust_name" FROM "customer" WHERE "credit_score" < (SELECT AVG("credit_score") FROM "customer")