Our model estimates total loans and deposit balances to inch up at a compound annual growth rate (CAGR) of 1.5% and 0.8%, respectively, over the next three years (ended 2025). Going forward, a rising expense base on inflationary pressures and investments in technological advancements are likely to continue affecting the bottom-line growth. Today you can invest in the wave of the future, an automation that answers follow-up questions … admits mistakes … challenges incorrect premises … rejects inappropriate requests.