The bank owes Hilary $223.
You can find the answer by multiplying $16 by 8, to find how much money the bank mistakenly charged Hilary for eight months.
Then, multiply $19 by 5, to find how much money the bank mistakenly charged Hilary for 5 months.
To find the total amount that the bank charged Hilary in the total 13 months, add the sums from both equations.
$16*8 = $128.
$19*5 = $95.
$128 + $95 = $223.