Methodology · v3.3

DCTDepositor Confidence

Year-over-year customer deposit growth for {legal_name} (proxy for depositor confidence). EXTRACTION RULES: Read total customer deposits as of latest quarterly results AND as of the same quarter prior year (from the bank's quarterly press release + Pillar 3 / regulatory filings). DO NOT compute the YoY % yourself (LLMs are unreliable at arithmetic). PROVIDE THE TWO RAW DEPOSIT TOTALS (same currency/scale) and let the SERVER compute the YoY growth %: Return type="exact_numerical" with derived={op:"cagr", inputs:{start:<deposits_prior_year>, end:<deposits_latest>}, period_years:1}, unit="percent", source_urls=[quarterly results + prior-year report]. With period_years=1 the server computes (end/start − 1) × 100 = the YoY growth %, then applies ratio_band (<-5%→25 outflow, -5..0→45, 0..3→60 stable, 3..8→80, 8+→90 strong inflow); if you also include value=<yoy_pct> for back-compat the server IGNORES it for scoring and flags discrepancies. If bank does not publish quarterly deposit disclosure (smaller co-op / mutuals) return type="absent" reason="quarterly_deposit_breakdown_unavailable".