InfinityBankData - Notes on the data set The data set...

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Unformatted text preview: Notes on the data set: The data set includes Exhibits 3 and 4 from the case. For each of the product cross-holding categories in Exhibit 4, the data set includes 1,000 sample accounts with product revenue and cost information for 2003. These are included in the “CC Only”, “CA Only”, “M Only”, “CC+M”, “CA+M”, “CC+CA”, and “All 3” sheets. The “Weighted Sample” sheet includes 2,205 customers sampled from the “CC Only” through “All 3” sheets in proportion to the product cross-holding in Exhibit 4. The “Weighted Sample” sheet has the following customers, by product cross-holding: Current Account only Credit Card only Mortgage only Current Account + Credit Card Curent Account + Mortgage Credit Card + Mortgage All 3: CA + CC + M Total Customers 881 119 26 1,000 93 12 74 2,205 P&L: 1999­2003 Current accounts no. of accounts (millions) 1999 2000 2001 2002 2003 8.10 8.19 8.32 8.41 8.60 11,259 11,310 11,265 10,849 11,896 Revenue (₤ millions) Net interest Fees 405 99 380 94 350 100 331 85 358 67 Costs (₤ millions) Service costs Overhead 650 182 674 178 707 211 701 171 716 172 ­328 ­378 ­467 ­456 ­463 4.80 3,864 4.87 3,954 4.98 4,089 5.00 4,115 5.06 4,301 Revenue (₤ millions) Net interest Fees 465 194 455 206 446 233 424 222 434 219 Costs (₤ millions) Service costs Credit losses Overhead 108 124 58 109 111 53 104 129 50 98 125 50 91 129 51 Profit before tax (₤ millions) 369 388 396 373 383 0.82 33,090 0.84 35,269 0.87 37,226 0.84 36,111 0.86 37,266 328 21 342 20 372 20 341 19 335 19 12 40 9 44 12 32 9 44 13 41 9 45 12 37 9 41 10 38 9 41 Profit before tax (₤ millions) 243 266 284 261 257 TOTAL PROFIT FOR 3 MAIN PRODUCTS (₤ millions) 285 276 213 178 177 balances on deposit (₤ millions) Profit before tax (₤ millions) Credit card accounts no. of accounts (millions) balances borrowed (₤ millions) Mortgages no. of accounts (millions) balances borrowed (₤ millions) Revenue (₤ millions) Net interest Fees Costs (₤ millions) Service costs Credit losses Overhead Setup costs Exhibit 4: Statistics on customer cross holdings, 2003 Product combinations Accounts (in millions) Current Account only 3.70 Credit Card only 0.50 Mortgage only 0.11 Current Account + Credit Card 4.20 Curent Account + Mortgage 0.39 Credit Card + Mortgage 0.05 All 3: CA + CC + M 0.31 Total Customers 9.26 Record number 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 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577 578 579 580 581 582 583 584 585 586 587 588 589 590 591 592 593 594 595 596 597 598 599 600 601 602 603 604 605 606 607 608 609 610 611 612 613 614 615 616 617 618 619 620 621 622 623 624 625 626 627 628 629 630 631 632 633 634 635 636 637 638 639 640 641 642 643 644 645 646 647 648 649 650 651 652 653 654 655 656 657 658 659 660 661 662 663 664 665 666 667 668 669 670 671 672 673 674 675 676 677 678 679 680 681 682 683 684 685 686 687 688 689 690 691 692 693 694 695 696 697 698 699 700 701 702 703 704 705 706 707 708 709 710 711 712 713 714 715 716 717 718 719 720 721 722 723 724 725 726 727 728 729 730 731 732 733 734 735 736 737 738 739 740 741 742 743 744 745 746 747 748 749 750 751 752 753 754 755 756 757 758 759 760 761 762 763 764 765 766 767 768 769 770 771 772 773 774 775 776 777 778 779 780 781 782 783 784 785 786 787 788 789 790 791 792 793 794 795 796 797 798 799 800 801 802 803 804 805 806 807 808 809 810 811 812 813 814 815 816 817 818 819 820 821 822 823 824 825 826 827 828 829 830 831 832 833 834 835 836 837 838 839 840 841 842 843 844 845 846 847 848 849 850 851 852 853 854 855 856 857 858 859 860 861 862 863 864 865 866 867 868 869 870 871 872 873 874 875 876 877 878 879 880 881 882 883 884 885 886 887 888 889 890 891 892 893 894 895 896 897 898 899 900 901 902 903 904 905 906 907 908 909 910 911 912 913 914 915 916 917 918 919 920 921 922 923 924 925 926 927 928 929 930 931 932 933 934 935 936 937 938 939 940 941 942 943 944 945 946 947 948 949 950 951 952 953 954 955 956 957 958 959 960 961 962 963 964 965 966 967 968 969 970 971 972 973 974 975 976 977 978 979 980 981 982 983 984 985 986 987 988 989 990 991 992 993 994 995 996 997 998 999 1000 Credit Card 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 Current Account Mortgage 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 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502 369 419 369 393 639 603 397 1247 479 496 356 496 509 400 417 481 668 638 584 596 642 456 688 531 462 601 477 384 613 353 529 604 504 441 363 483 821 177 472 381 616 220 547 471 315 392 481 1505 594 467 155 568 228 414 479 611 1029 1377 482 585 805 391 632 365 498 402 493 489 672 570 479 829 289 2050 528 492 297 443 407 450 -14 795 427 270 645 427 1521 430 603 578 405 344 434 467 753 2371 261 624 453 498 440 498 364 337 542 406 306 479 623 440 482 535 381 269 566 421 320 418 1765 497 342 630 491 334 650 566 661 501 696 555 323 602 1386 2057 504 303 400 228 349 655 840 587 668 491 1414 433 355 295 581 446 438 283 698 -1 280 405 493 401 404 315 188 393 323 387 441 451 511 1705 550 463 526 583 430 555 625 414 395 586 512 217 400 564 284 572 690 784 635 630 564 686 413 351 448 1242 445 CC REV interest 51 31 0 44 74 34 0 65 35 46 0 61 49 55 152 0 0 66 42 79 71 0 60 60 0 184 53 36 0 60 45 0 51 44 53 91 25 74 0 0 37 85 69 0 207 119 55 58 44 58 0 70 43 112 7 0 58 35 65 44 182 64 0 228 60 93 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24 36 45 38 29 34 24 37 37 37 31 41 28 20 26 38 40 41 37 46 36 28 42 31 41 39 43 22 30 18 31 31 38 43 19 36 68 30 39 33 43 61 12 37 71 36 41 31 35 39 35 24 26 64 28 36 32 10 26 29 42 34 29 34 47 39 44 42 39 13 50 41 26 42 30 49 35 35 27 26 35 38 32 40 11 36 26 38 33 34 29 33 60 32 33 37 22 29 29 41 37 30 28 77 29 35 31 26 29 30 27 25 52 29 49 25 32 25 19 44 33 27 29 27 24 19 34 79 38 36 24 37 41 46 40 48 27 26 34 40 79 66 33 21 38 26 50 37 40 48 13 41 30 26 41 29 16 18 36 37 17 46 45 33 21 ...
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  • Fall '13
  • Revenue, Credit card, Prime number

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