“Individuals that decide to keep their savings in the banking system, transfer them from deposits under two years to deposits with a term which goes over two years, because they offer higher interest rates”, they explain regarding a fact which has also been mentioned in the latest monetary policy report. Meanwhile, they add that this has also reduced the amount of money in circulation. “Deposits over two years are causing for less money to be in circulation”, they explain. On the other hand, exports also say that the number of deposits in lek has increased, while the number of deposits in euros, has decreased. This has lead to an increase of the amount of this currency in circulation. Its depreciation of the recent months in the domestic currency market seems to have had an effect on this, pushing individuals and businesses into making payments with the euros that they had, rather than deposit them in the bank.