a level of vintages Vintage deposits with the same characteristics (vintage code): Date of opening of a Deposit Deposit currency, term of Deposit Segment of a deposit, sales channel, volume, etc. Has a deposit been prolonged? Forecast monthly change in a vintage volume (churn rate) EARt = V t adj − V t−1 adj V t−1 adj ∈ [−1; 0], t ∈ {1, . . . , T} In total 103932 vintages, and we have only 48 time-series points