Outflows from transaction deposits 10% Outflows from transaction deposits 20% Outflows from transaction deposits 50% Outflows from transaction deposits 100%Note. The saving rate is used to divide deposits into two: saving and transaction deposits. The total outflow factor for all deposits can then be calculated as a weighted average of outflow factors for two types of deposits. The outflow factor for saving deposits is assumed to be zero, while the outflow factor for transaction deposits varies between 10, 20, 50 and 100 per cent. The total outflow factor is then used to calculate lending capacity as an inverse of the outflow factor, just like in Figure 2.