The bank aims to conduct a comprehensive analysis of the performance of five ATMs over a seven-year period, spanning from 2011 to 2017.

1. Total Amount Withdrawn Over 7 Years:
What is the total amount withdrawn over the past 7 years?

2. Total Number of Withdrawals Over 7 Years:
How many withdrawals have been made over the past 7 years?

3. Comparison of Amount Withdrawn by Cards:
How does the amount withdrawn using MasterCard compare to Visa Card across various years?

4. Number of Withdrawals by Card at Various ATMs:
What is the number of withdrawals made with MasterCard and Visa Card at different ATMs?

5. Yearly Withdrawal Trends Across All ATMs:
What are the yearly trends in withdrawals for all five ATMs over the past 7 years?

6. Quarterly Amount Withdrawal Trends by Card:
What are the quarterly trends in the amount withdrawn using MasterCard and Visa Card over the past 7 years?

7. Quarterly Withdrawal Trends by Card:
What are the quarterly trends in the number of withdrawals using MasterCard and Visa Card over the past 7 years?

  • 2011 - (₹767M/13%)📈
  • 2012 - (₹939M/16%)📈
  • 2013 - (₹1108M/18%)📈
  • 2014 - (₹1216M/20%)📈
  • 2015 - (₹896M/15%)📉
  • 2016 - (₹612M/10%)📉
  • 2017 - (₹515M/9%)📉

• Total Withdrawals (2011 - 2017) = ₹6 Billion

  • 2011 - (205K/14.31%)📈
  • 2012 - (232K/16.22%)📈
  • 2013 - (266K/18.58%)📈
  • 2014 - (280K/19.59%)📈
  • 2015 - (206K/14.44%)📉
  • 2016 - (129K/9.05%)📉
  • 2017 - (112K/7.81%)📉

• Total Number of Withdrawals (2011 - 2017) = 1429K

  • 2011
    - Master Card(₹240M/31.25%)
    - Visa Card(₹527M/68.75%)
  • 2012
    - Master Card(₹297M/31.67%)
    - Visa Card(₹642M/68.34%)
  • 2013
    - Master Card(₹377M/33.99%)
    - Visa Card(₹732M/66.01%)
  • 2014
    - Master Card(₹462M/38.02%)
    - Visa Card(₹754M/61.98%)
  • 2015
    - Master Card(₹325M/36.30%)
    - Visa Card(₹571M/63.70%)
  • 2016
    - Master Card(₹227M/37.05%)
    - Visa Card(₹385M/62.95%)
  • 2017
    - Master Card(₹248M/48.12%)
    - Visa Card(₹267M/51.88%)

• Total Withdrawals by Master Card (2011 - 2017) = ₹2.18 Billion (35.95%)
• Total Withdrawals by Visa Card (2011 - 2017) = ₹3.88 Billion (64.05%)

  • Airport ATM - (205K/14.32%)
  • Big Street ATM - (207K/14.49%)
  • Christ College ATM - (291K/20.37%)
  • KK Nagar ATM - (402K/28.11%)
  • Mount Road ATM - (325K/22.71%)


  • Airport ATM
    - Master Card(52K/25.64%)
    - Visa Card(152K/74.36%)
  • Big Street ATM
    - Master Card(138K/66.78%)
    - Visa Card(69K/33.22%)
  • Christ College ATM
    - Master Card(172K/59.15%)
    - Visa Card(119K/40.85%)
  • KK Nagar ATM
    - Master Card(113K/28.18%)
    - Visa Card(289K/71.82%)
  • Mount Road ATM
    - Master Card(170K/52.41%)
    - Visa Card(154K/47.59%)


• Number of Withdrawals by Master Card (2011 - 2017) = 646K(45.22%)
• Number of Withdrawals by Visa Card (2011 - 2017) = 783K(54.78%)

1. Withdrawal Trends:
  • Fluctuations observed in total amount withdrawn and number of transactions, peaking in 2014 and declining thereafter.

2. Card Usage Patterns:
  • Visa Card consistently led in both total amount withdrawn and number of transactions throughout the seven-year period.
  • Master Card maintained a steady presence but with a smaller share compared to Visa Card.

3. ATM-Specific Performance:
  • KK Nagar ATM recorded the highest number of withdrawals, followed by Mount Road and Christ College ATMs.
  • Usage patterns between Master Card and Visa Card varied across different ATM locations.

4. Strategic Recommendations:
  • Tailor promotional strategies to align with dominant card preferences and high-traffic ATM locations identified.
  • Continuously monitor and adapt strategies to optimize service delivery and maintain transaction volumes.

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