... short-term interest rates are equal to or higher than long-term interest rates. The capital structure, therefore, is more focused on short-term sources. During the period 2009 to 2011, one-month ... Long-term deposits (more than one year) seem to be very little at some banks (Appendix VI, Figures 19, 24). However, the ratio of short-term capital sources used for medium-term and long-term ... banks and similar trends for non-listed banks). In addition, while provision for credit 1 Pursuant to Official Letter 2956/NHNN-CSTT: “Providing loans to non-production areas shall include:...