Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the burden of disclosing behavior. 'Return' clearly signals a read-only operation, and it specifies the returned fields (balance, IBAN, available balance) and currency (EUR). It does not discuss authorization or error conditions, but for a simple balance getter this is reasonably transparent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.