4.4 Missing Data DI & Radar/Spider Graph Interpretation

4.4 Missing Data DI & Radar/Spider Graph Interpretation

Missing Data DI and Radar/Spider Web Graphs represent advanced Data Interpretation formats heavily featured in the SBI PO Mains examination. Missing Data tables challenge your ability to reconstruct incomplete financial statements using linear equations and contextual clues. Radar Graphs present multi-dimensional performance data along polar coordinate axes, requiring spatial accuracy and precise numerical reading.

---

1. Mechanics of Missing Data DI Tables

In a Missing Data table, several cells are left blank (indicated by dashes - or blank spaces). Each sub-question typically introduces a specific condition or ratio that allows you to calculate the missing values for that particular scenario.

Branch   Total Applicants   Sanctioned Loans   Rejected Loans   Sanction %   Default %
  A           1,200               ---               360            ---          5.0%
  B            ---                800               ---           64.0%          ---
  C           1,500              1,050              ---            ---          4.0%

Systematic Solving Strategy for Missing Data

1. Scan Footnotes First: Footnotes frequently contain global relationships (e.g., 'Total Applicants = Sanctioned Loans + Rejected Loans' or 'Overall Average Sanction % across all branches is 70%').
2. Question-Specific Clues: Treat extra numbers given in a question statement as temporary entries applicable only to that question.
3. Horizontal Equation Formulation: Solve across rows first before trying to sum vertical columns.

---

2. Mechanics of Radar / Spider Web Graphs

Radar charts consist of multiple equiangular radii (axes) branching outward from a central vertex ($0$). Concentric polygonal rings mark scale intervals.

                       Parameter 1 (Customer Service)
                                 100 |
                                  80 |
                                  60 |----● (Bank A: 70)
                                  40 |
Parameter 5 (NPA Control)         20 |         Parameter 2 (Digital Adoption)
   ----------------------------------+----------------------------------
                                     |
                                     |
                       Parameter 3 (Credit Growth)

Reading Coordinates on a Radar Chart

1. Identify Central Vertex: The center represents $0$.
2. Determine Grid Ring Value: If the outer ring is labeled $100$ and there are $5$ equal ring spaces from the center, each ring increment $= 100 / 5 = 20\text{ units}$.
3. Trace Axis Lines: Follow the specific radial line belonging to the parameter of interest to read data points for competing entities (e.g., Bank A vs. Bank B).

---

3. Realistic Worked Example 1: Missing Data DI Table Set

Directions: Study the incomplete table showing retail loan data for 4 SBI branches and answer the questions.

Note: Total Loan Applications = Sanctioned Loans + Rejected Loans.

Problem 1: Branch P Defaulted Loans

Question: What is the total number of defaulted loans in Branch P?

Step-by-step Solution:

1. Sanctioned Loans (Branch P) $= 70% \text{ of Total Applications} = 0.70 \times 2,000 = 1,400$
2. Defaulted Loans $= 5% \text{ of Sanctioned Loans} = 0.05 \times 1,400 = 70\text{ loans}$

Problem 2: Branch S Total Applications

Question: Find the total number of loan applications received by Branch S.

Step-by-step Solution:

1. Sanction Rate $= 75% \implies \text{Rejection Rate} = 100% - 75% = 25%$
2. Rejection Rate $= 25% = \frac{\text{Rejected Loans}}{\text{Total Applications}}$
3. $0.25 \times \text{Total Applications} = 450$
4. $\text{Total Applications} = \frac{450}{0.25} = 1,800\text{ applications}$
5. Sanctioned Loans $= 1,800 - 450 = 1,350$

Problem 3: Branch Q Default Rate Constraint

Question: If the total number of defaulted loans in Branch Q is 96, what is the default rate as a percentage of sanctioned loans in Branch Q?

Step-by-step Solution:

1. Sanctioned Loans (Branch Q) $= 1,200$
2. $\text{Default Rate %} = \left( \frac{\text{Defaulted Loans}}{\text{Sanctioned Loans}} \right) \times 100 = \left( \frac{96}{1,200} \right) \times 100 = 8.0%$

---

4. Realistic Worked Example 2: Performance Evaluation Radar Chart

Data Set Description: A radar chart evaluates 2 Banking Divisions (Retail vs. Corporate) across 5 Operational Parameters. Grid rings increase by $20$ units per ring ($0, 20, 40, 60, 80, 100$).

Problem: Weighted Average Performance Score

Question: If Customer Satisfaction and Digital Adoption carry a weight of 30% each, while Risk Mitigation, Credit Growth, and Cost Efficiency carry a weight of 13.33% (1/7.5) each, what is the weighted average score of the Retail Division?

Step-by-step Solution:

1. Weighted Formula:
   $\text{Weighted Score} = (80 \times 0.30) + (100 \times 0.30) + (60 \times 0.1333) + (40 \times 0.1333) + (80 \times 0.1333)$
2. Calculate primary components:
   $80 \times 0.30 = 24$ $100 \times 0.30 = 30$
3. Group secondary components:
   $(60 + 40 + 80) \times 0.1333 = 180 \times \frac{2}{15} = 24$
4. Sum weighted scores:
   $\text{Total Weighted Score} = 24 + 30 + 24 = 78.0$

---

5. Tactical Hacks for Missing Data & Radar Charts

1. Avoid Over-Filling Missing Tables: Do not spend time filling every blank cell in a table. Solve only the specific missing values required by the current question.
2. Check Sanity of Radar Values: Always verify whether a radar chart scale starts at 0 or a baseline like 50. Non-zero baseline radar charts distort visual area comparisons.
3. Equation Consistency Check: When solving missing data, cross-check row totals against column totals to avoid carrying forward an arithmetic error into subsequent sub-questions.