Frequency test: 380,000 / 45,000,000 = 0.844% → Below 1% threshold. **FAIL.** - Size test: 380,000 / 2,200,000 = 17.3% → Exceeds 15% threshold. **PASS.** - **Result: Verdant Bank IS an SI** in GB00BH4HKS39 (size test met).