21. One-year time deposits receive a 10.98 percent interest rate payment. 22. Some banks offer market-linked time deposit accounts which offer potentially higher returns while guaranteeing principal. 23. Many rivers are high in silt that over time deposits behind a dam reducing capacity. 24. The monetary authority also raised reserve requirements for savings accounts, cash deposits and time deposits . 25. A time deposit is an interest-bearing bank deposit that has a specified date of maturity. 26. Banks in Japan pay as little as 0 . 15 percent on three-month time deposits . 27. M3 consists of cash in circulation, demand deposits, short-term time deposits and most savings deposits. 28. Five-year time deposits are yielding about 1.0 percent interest. 29. On July 4, 1997, I opened a six-month time deposit with its branch on Jl. 30. This financial year, the 7.5 per cent growth in deposits came solely from time deposits .