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Group Assignment:

Subject : Understanding Data for Decision Making


Group : MBA-Siem Reap
Date Issue : 14/11/2009
Date Due : 05/12/2009
Facilitator : Seng Chamroeun
Email : sengchamroeun@gmail.com
H/P : 012 991 825, 016 991 826

Assume that you work in the Planning Department of the ANGKOR Bank and report to
Mr. Chantha. You will need to do some data analysis and prepare a short written report.
Remember, Mr. Rotha is the president of the bank, so you will want to ensure that your report
is complete and accurate.
The ANGKOR Bank has offices in several provinces in Cambodia. Mr. Rotha,
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 use them, and how often are they used?
To better understand the customers, Mr. Rotha asked Mr. Chantha, Director of
Planning, to select a sample of customers and prepare a report. To begin, he has appointed a
team from his 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 each account at the
end of last month, you determine: (1) the number of ATM (automatic teller machine)
transactions in the last month; (2) the number of other bank services (a saving account, a
certificate of deposit, etc.) the customer uses; (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); and (4) whether or not interest is paid on the checking account. The sample includes
customers from the branches in Phnom Penh, Siem Reap, Battambang, and Kampong Cham.
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 $2000 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 range and the standard deviation of the checking account
balances. What do the first and third quartiles show? Determine the coefficient
of skewness and indicate what it shows. Because Mr. Rotha does not deal with
statistics daily, include a brief description and interpretation of the standard
deviation and other measures.
4. Divide the account balance into three groups, of about 20 each, with the
smallest third of the balances in the first group, the middle third in the second
group, and those with the largest balances in the third group. Next, develop a
table that shows the number in each of the categories of the account balances by
branch. Does it appear that account balances are related to the branch? Cite
some examples and comment on your findings.
5. When Mr. Rotha took over as president of ANGKOR Bank several years ago,
the use of debit cards was just beginning. He would like an update on the use of
these cards. Develop a 95 percent confidence interval for the proportion of
customers using these cards. On the basis of the confidence interval, is it

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reasonable to conclude that more than half of the customers use a debit card?
Interpret the results.
6. With many other options available, customers no longer let their money sit in
the checking account. For many years the mean checking balance has been
$1600. Does the sample data indicate that the mean account balance has
declined from this value?
7. Recent years have also seen an increase in the use of ATM machines. When Mr.
Rotha took over the bank, the mean number of transactions per month per
customer was 8; now he believes it has increase to more than 10. In fact, the
advertising agency that appears TV commercials for ANGKOR bank would like
to use this on the new commercial being designed. Is there sufficient evidence to
conclude that the mean number of transaction per customer is more than 10 per
month? What is the p-value? Could the advertising agency say the mean is more
than 9 per month?
8. Mr. Rotha would like to know whether there is a difference in the mean
checking account balance among the four branches. If there are differences,
between branches do these differences occur?
9. Mr. Rotha is also interested in the ATMs. Is there a difference in the ATM use
among the branches? Also, do customers who have debit cards tend to use the
ATMs differently from those who do not have debit cards? Is there a difference
in ATM use by those with checking accounts that pay interest versus those that
do not?
10. Using checking account balance as the dependent variable and using the number
of ATM transactions, the number of other services used, whether the individual
has a debit card, and whether interest is paid on the particular account as
independent variables, write a report indicating which of the variables seem
related to the account balance and how well they explain the variation in the
account balances. Should all of the independent variables proposed be used in
the analysis or can some be dropped?
11. Is there a relationship between the location of the branch bank and whether the
customer has a debit card? Based on the information available, develop a table
that shows the relationship between these two variables. At the 5% significance
level, can we conclude there is a relationship between the branch location and
whether the customer uses a debit card?

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Banking Data Set
n x1 x2 x3 x4 x5 x6
o
1 1850 13 4 0 1 2
2 870 9 2 1 0 1
3 1690 10 1 0 0 1
4 1920 10 4 0 1 3
5 1650 14 6 0 1 4
6 1890 17 3 0 1 1
7 870 6 3 0 0 3
8 2100 10 8 1 0 1
9 1800 6 4 0 0 4
10 2315 18 6 0 0 2
11 1780 12 6 1 0 3
12 1560 12 7 1 0 1
13 2210 6 5 0 0 1
14 1320 10 3 1 0 1
15 1050 12 4 0 0 1
16 2310 20 3 1 0 4
17 250 7 2 0 0 3
18 280 5 4 0 0 4
19 560 7 2 0 0 1
20 2890 20 7 1 0 4
21 2320 15 4 1 0 3
22 1650 11 2 0 1 1
23 2230 17 3 0 0 3
24 2130 10 7 0 0 2
25 1120 8 4 1 0 3
26 1605 8 4 0 1 2
27 1230 8 6 1 0 3
28 1980 7 5 1 1 3
29 1890 11 2 0 0 2
30 1790 10 4 1 1 2
31 2120 6 2 1 0 2
32 780 2 7 1 0 4
33 650 4 1 0 0 1
34 1450 4 5 1 0 1
35 1767 6 7 1 0 2
36 885 8 4 0 0 4
37 1856 12 7 0 1 3
38 1985 11 5 0 0 1
39 1459 16 8 0 0 3
40 2150 14 4 1 0 4
41 1079 7 5 1 0 1
42 1980 10 6 1 1 2
43 1890 11 4 0 1 3
44 820 4 3 0 0 4
45 1750 6 9 0 1 4
46 125 2 0 0 0 3
47 1320 11 7 0 0 4
48 895 7 1 0 1 1
49 2350 14 5 0 0 2
50 2580 16 8 0 0 2
51 1540 14 4 1 0 2
52 2155 12 5 1 0 2

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53 1870 13 3 1 0 1
54 2250 18 5 0 1 4
55 2540 12 4 0 0 2
56 1650 9 5 1 1 3
57 1545 8 4 1 0 4
58 1210 6 4 1 0 2
59 2120 12 3 0 1 2
60 2210 14 5 1 0 2
Where:
x1 = Account balance in $
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
x6 = Provinces where banking is done

Phnom Penh = 1
Siem Reap = 2
Battambang = 3
Kampong Cham = 4

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