First deposits by maturity:
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEglxd1bZ1DL2co341J4LN7n4uy8PpkayOJCQsVi8Lfd7VU3QphPM1HECgOxPI9QizimqyD3i9XvPH7JPxaaDO16OpBmYMY-a_r0WltpotZ1ch_3iQOo_XP_tD38RXNge0qVjSm2FMCC15nr/s280/Screen+shot+2011-02-02+at+20.28.34.png)
- Irish depositors are exiting Irish banks when longer term savings mature;
- Irish pool of savings available for investment - remember, banks can more safely lend out of longer maturity deposits than out of shorter maturity ones (lower risk of maturity mismatch) - is also shrinking.
- Overall, overnight deposits have increased 2.11%mom in December 2010, but fell 4.35% yoy
- Up to 3 months deposits fell 4.33% in December 2010 mom and 2.77% yoy
- Up to 2 years deposits fell 9.64% mom and 17.32% yoy.
On credit cards, the picture is
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCPtzZJIHElgmu1VetlBGUMeML0uY7UdZPBWUNr9DaPaM6GHwCe7lEo2deY1_3DK3bCxp_GYK8Nt7hmi10jyb0_gkbJwVuj-OguaZ68FKLcGM3ZWJrn-36Faaf_DSCUVafIq6gTaW82xSE/s280/Screen+shot+2011-02-02+at+20.28.46.png)
- Irish credit cards balances are declining, but this decline is relatively mild - down 0.81% mom in December 2010 (latest data) and -6.28% yoy.
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