RAG systems rely on chunking, which destroys structural information in documents. Existing heading-based retrieval (Jeong et al., 2025) requires multiple LLM calls per document and returns sub-chunks within matched sections. We introduce ToC-guided page retrieval, which infers headings from visual formatting without LLM calls, embeds them as a parallel index, and loads full page sections. Across 1,280 conditions on 8 enterprise documents (5 to 195 pages), we find: (1) ToC is a significant main effect on answer quality (d = +0.41, p = 0.031), with the largest gains in completeness (+0.40) and usefulness (+0.40); (2) combined with answer-side verification, it outperforms query-side decomposition + verification (d = +0.32, p = 0.036); (3) ToC contributes 20% of citations despite adding only 2.9 pages per query; (4) gains are directionally larger on longer documents (up to +1.50 on 118 pages), though the trend does not reach significance with 8 documents; and (5) a 480-condition sensitivity analysis finds no significant parameter effects (all p > 0.38), confirming defaults are near-optimal. The contribution is both methodological (a new zero-LLM-cost retrieval algorithm) and empirical: factorial evidence that document-side, query-side, and answer-side enhancements are complementary, a three-way interaction not previously studied.
Structured information extraction from long, multilingual scanned financial documents is a core requirement in industrial KYC and compliance workflows. These documents are typically non machine readable, noisy, and visually heterogeneous. They usually span dozens of pages while containing only sparse task relevant information. Although recent vision-language models achieve strong benchmark performance, directly applying them end to end to full financial reports often leads to unreliable extraction under real world conditions. We present a multistage extraction framework that integrates image preprocessing, multilingual OCR, hybrid page-level retrieval, and compact VLM-based structured extraction. The design separates page localization from multimodal reasoning, enabling more accurate extraction from complex multipage documents. We evaluated the framework on 120 production KYC documents comprising about 3000 multilingual scanned pages. Across multiple OCR-VLM combinations, the proposed pipeline consistently outperforms direct PDF-to-VLM baselines, improving field-level accuracy by up to 31.9 percentage points. The best configuration, PaddleOCR with MiniCPM2.6, achieves 87.27 percent accuracy. Ablation studies show that page-level retrieval is the dominant factor in performance improvements, particularly for complex financial statements and non-English documents.