Because the last year is always incomplete, you might want to annualize or normalize the numbers:
- Use last year's complete data as numerator
- Use number of deposits with some Stata code (or Stata keyword) as a numerator
- then prorate the ongoing year to take into account the partial year effect.
Avoids the dip, but has a dashboard-feel ("are we on track to having the same number as last year")
They are not mutually exclusive.
Because the last year is always incomplete, you might want to annualize or normalize the numbers:
Avoids the dip, but has a dashboard-feel ("are we on track to having the same number as last year")
They are not mutually exclusive.