MIA IDEAS/IBI/MAY 2021/AI SL/© Prof.

Iyer

SBI BRANCH PERFORMANCE CASE STUDY

-a Mathematical perspective
- A part of IA IDEAS series. Publishing IA IDEAS since 2017

Unit Linkage: Unit 1 and Unit 4

Competency: (1) Financial Math (2) Statistics

Developed by
Prof Iyer APSL(IIM-L)
Founder Director - IB WITH IYER. INDIA
SECOND TEACHER. UAE
Ex faculty London School of Economics India Campus
Author - Examiner – Moderator
Workshop Facilitator
Author Nov 2021 AA HL Exam Solutions-
Author - AP 2020 Calc AB and AP 2021 Calc 2021 BC
Speaker NACAC US Speaker and Delegate (US) since 2012
Distinguished Teacher Award 2022 for Mathematics
The IG Group UG Haftungsbeschränkt
Germany

IA IDEAS has been in place since 2017. Post new curriculum it is now reworked as per the
Toolkit advisory. Created as per the IA Took kit from the MAI Guide 2019 first exam May
2021. This is a MINI IA IDEAS effort - first of its kind introduced to support the learner of
understand the Financial Math & Statistics fundamentals from the real life. This bank story is
purely my own idea and Not copied from any source nor from any text book / internet. Any
feedback, criticisms are most welcome. © Prof Iyer

© PROF.IYER ib.mathfaculty@gmail.com
MINI IA AI SL PROJECT from the famous series of IA IDEAS publishing since 2017
MIA IDEAS/IBI/MAY 2021/AI SL/© Prof.Iyer

This case study involves the performance of a Bank in the Covid time.
Month: April 2021
Branch: Worli, Mumbai
Bank: STATE BANK OF INDIA
Base data: Primary source

SN Date No. of Deposits Withdrawals (in New Savings

Walk-in (in lakhs) lakhs) accounts opened
customers
1 4th Apr. Sunday 102 252 125 10

2 6th Apr. Tuesday 222 350 100 25

3 7th Apr. Wed. 200 290 80 12

4 8th Apr. Thursday 250 300 140 10

5 9th Apr. Friday 180 270 270 7

6 10th Apr. Saturday 300 100 200 5

7 11th Apr. Sunday 150 125 55 1

The above branch data gives one-week basic information about the Branch during
a Covid week of the month

( SBI branch is open on Sundays and their weekly holiday is Monday)

(All above data are fictious and used for education purpose)

© PROF.IYER ib.mathfaculty@gmail.com
MINI IA AI SL PROJECT from the famous series of IA IDEAS publishing since 2017
MIA IDEAS/IBI/MAY 2021/AI SL/© Prof.Iyer

a) Find the average number of walk-ins per day during a covid week of the month

b) Find the average deposits per day and withdrawals per day for this
Covid Week of the Month

c) Illustrate through a Box-Whisker plot for the deposits of the branch and interpret your
answer from your results

d) Does the Branch depend on deposits for its withdrawals indices if the SBI has a policy of
a branch to operate on self-sufficient basis or a Strategic Business unit policy (SBU)
model? Use Karl Pearson’s coefficient of correlation tool to interpret your answer

e) What proportion is withdrawals of the deposits for this Covid Week

f) Using the idea of (d) Can we assume that new accounts have an impact on Walk ins

g) If the deposits are increased by 10% each day for the next week (week 2) and by Rs 25
lakhs each day for the week next (week 3), how much the average of week increase of
week 2 and week 3 from the original Covid Week of the Month

h) Find the standard deviation of week 1, week 2 and week 3. Do you observe any relation
between them? Generalize your opinion on your results

i) If the new savings accounts per customer average is Rs 1500, find the total deposits for
this week from this new customer and what % of this contribute to the Bank Deposits for
this Covid Week Month

j) Through appropriate representation Illustrate the Bank’s deposits and withdrawals

k) If the Bank’s one of the health indicator (H) is calculated by H = Deposits – (withdrawals
+ Loans provided + Writeoffs), find H index for Covid week of the month If Bank
disbursed 30 Lakhs loans with 2 lakh write offs during that week). Comment on he
Health of the branch

l) If the Branch is on average getting 30% less deposits and 50% more withdrawals
comparing a non-covid month, what could the deposits and withdrawals in a non-Covid
Week

m) Use your own arguments to discuss the overall branch performance through your above
research

© PROF.IYER ib.mathfaculty@gmail.com
MINI IA AI SL PROJECT from the famous series of IA IDEAS publishing since 2017