Manalo, Cristian James P.

January 31, 2021

BSA 2-11 SAWSA

STAT 20053-STATISTICAL ANALYSIS with SOFTWARE APPLICATION

CASE STUDY
(MIDTERM)
(OPEN FORMAT)

Assume that you work in the Planning Department of XYZ National Bank and report to Miss X. 
You will need to do some data analysis and prepare a short-written report.  The written part of the
report should not exceed a page in length.  Remember, Mr. Y is the President of the bank, so you will
want to ensure that your report is complete and accurate.  A copy of the data appears in page 3.
The XYZ National Bank has offices in several areas of Metro Manila.  Mr. Y, President and CEO,
would like to know the characteristics of his checking account customers.  What is the balance of a
typical customer?  How many other bank services do the checking account customers use?  Do the
customers use the ATM service and if so, how often?  What about debit cards?  Who uses them, and
how often are they used?
To better understand the customers, Mr. Y asked Miss X, Director of Planning to select a sample
of customers and prepare a report.  To begin, she has appointed a team from her staff.  You are the
head of the team and responsible for preparing the report.  You select a random sample of 60
customers.  In addition to the balance in the account at the end of last month, you determine: (1) the
number of ATM transactions in the last month; (2) the number of other bank services (a savings account,
a certificate of deposit, etc.); (3) whether the customer has a debit card (this is a relatively new bank
service in which charges are made directly to the customer’s account); (4) whether or not interest is paid
on the checking account.  The sample included customers from the branches in Makati, Quezon City,
Pasig City, and San Juan.
1. Develop a graph or table that portrays the checking balances.  What is the balance of a typical
customer?  Do many customers have more than Php 200,000 in their accounts?  Does it appear
that there is a difference in the distribution of the accounts among the four branches?  Around
what value do the account balances tend to cluster?
2. Determine the mean and median of the checking account balances.  Compare the mean and the
median balances for the four branches?  Is there a difference among the branches?  Be sure to
explain the difference between the mean and the median in your report.
3. Determine the standard deviation of the checking account balances.  Because Mr. Y does not
deal with statistics daily, include a brief description of the standard deviation and other
measures. 
The bank has branch offices in four different places in Metro Manila:  Makati, Manila, Quezon
City and Pasig City.  Mr. Y would like to know if there are differences in the mean checking account
balance among the branches.  If there are any differences, where do these differences occur?
Mr.  Selig is also interested in the ATMs.  Is there a difference in ATM use among the four
branches?  Also, do customers who have debit cards tend to use the ATMs differently than those who do
not have debit cards?  Also, is there a difference in ATM use by those with checking accounts that pay
interest versus those that do not?
 
THE DATA SET 
X1 – account balances in peso
X2 – number of ATM transactions in the month
X3 – number of other bank services used
X4 – has a debit card (1=yes, 0=no)
X5 – receives interest on the account (1=yes; 0=no)
X6 – branches where banking is done (1=Makati; 2=Manila; 3=Quezon City; 4=Pasig City)

Clien X1 X2 X3 X4 X5 X6 Client X1 X2 X3 X4 X5 X6
t
1 175600 13 4 0 1 2 31 195800 6 2 1 0 2
2 74800 9 2 1 0 1 32 63400 2 7 1 0 4
3 150100 10 1 0 0 1 33 58000 4 1 0 0 1
4 183100 10 4 0 1 3 34 132000 4 5 1 0 1
5 162200 14 6 0 1 4 35 167500 6 7 1 0 2
6 188600 17 3 0 1 1 36 78900 8 4 0 0 4
7 74000 6 3 0 0 3 37 173500 12 7 0 1 3
8 159300 10 8 1 0 1 38 178400 11 5 0 0 1
9 116900 6 4 0 0 4 39 132600 16 8 0 0 3
10 212500 18 6 0 0 2 40 205100 14 4 1 0 4
11 155400 12 6 1 0 3 41 104400 7 5 1 0 1
12 147400 12 7 1 0 1 42 188500 10 6 1 1 2
13 191300 6 5 0 0 1 43 179000 11 4 0 1 3
14 121800 10 3 1 0 1 44 76500 4 3 0 0 4
15 100600 12 4 0 0 1 45 164500 6 9 0 1 4
16 221500 20 3 1 0 4 46 3200 2 0 0 0 3
17 13700 7 2 0 0 3 47 126600 11 7 0 0 4
18 16700 5 4 0 0 4 48 89000 7 1 0 1 1
19 34300 7 2 0 0 1 49 220400 14 5 0 0 2
20 255700 20 7 1 0 4 50 240900 16 8 0 0 2
21 227600 15 4 1 0 3 51 133800 14 4 1 0 2
22 149400 11 2 0 1 1 52 207600 12 5 1 0 2
23 214400 17 3 0 0 3 53 170800 13 3 1 0 1
24 199500 10 7 0 0 2 54 213800 18 5 0 1 4
25 105300 8 4 1 0 3 55 237500 12 4 0 0 2
26 152600 8 4 0 1 2 56 145500 9 5 1 1 3
27 112000 8 6 1 0 3 57 148700 8 4 1 0 4
28 183800 7 5 1 1 3 58 112500 6 4 1 0 2
29 174600 11 2 0 0 2 59 198900 12 3 0 1 2
30 161600 10 4 1 1 2 60 215600 14 5 1 0 2
Manalo, Cristian James P. January 30, 2021

BSA 2-11 SAWSA

XYZ National Bank Written Report

1. Develop a graph or table that portrays the checking balances.  What is the balance of a typical
customer?  Do many customers have more than Php 200,000 in their accounts?  Does it appear
that there is a difference in the distribution of the accounts among the four branches?  Around
what value do the account balances tend to cluster?

Table 1. Checking of All Clients Account Balances (in descending order)

Clien Account Account Account

Client Client
t balances (₱) balances (₱) balances (₱)
20 255700 43 179000 34 132000
50 240900 38 178400 47 126600
55 237500 1 175600 14 121800
21 227600 29 174600 9 116900
16 221500 37 173500 58 112500
49 220400 53 170800 27 112000
60 215600 35 167500 25 105300
23 214400 45 164500 41 104400
54 213800 5 162200 15 100600
10 212500 30 161600 48 89000
52 207600 8 159300 36 78900
40 205100 11 155400 44 76500
24 199500 26 152600 2 74800
59 198900 3 150100 7 74000
31 195800 22 149400 32 63400
13 191300 57 148700 33 58000
6 188600 12 147400 19 34300
42 188500 56 145500 18 16700
28 183800 51 133800 17 13700
4 183100 39 132600 46 3200

This table shows the amounts of the selected client’s account