Work out deposit growth rate instantly with clear inputs, formula shown and shareable results.
Deposit growth funds lending growth, so the two must be tracked together. Annualising a part-year figure prevents a strong quarter being mistaken for a sustainable trend.
Deposit growth
Growth = (closing - opening)/opening; annualised = (1+growth)^(12/months) - 1
Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.
Because loans must be funded. Outrunning deposit growth forces reliance on costlier wholesale money.
No. Bulk and certificate funding is rate-sensitive and flighty compared with retail balances.