ALTER TABLE loan_rate_tables
    ADD COLUMN bank_id INT UNSIGNED NULL AFTER id,
    ADD COLUMN term_months SMALLINT UNSIGNED NULL AFTER description,
    ADD COLUMN coefficient DECIMAL(12,8) NULL AFTER term_months,
    ADD CONSTRAINT fk_loan_rate_tables_bank FOREIGN KEY (bank_id) REFERENCES bank_catalog (id) ON DELETE SET NULL,
    ADD INDEX idx_loan_rate_tables_bank (bank_id);
