Currency and deposits are summed as one component, although separate data may be compiled by those countries desiring to do so for analytic and other purposes. Currency consists of notes and coin that are in circulation and commonly use to make payments. Deposits comprise both transferable and other deposits. Transferable deposits consist of deposits that are exchangeable on demand at par without restriction pr penalty, freely transferable by check or giro order, and otherwise commonly used to make payments. Deposits may be denominated in domestic or foreign currencies. Other deposits include all claims reflecting evidence of deposit other than transferable deposits. Typical examples are non-transferable saving deposits; time deposits; and shares in savings and loan association, credit unions, building societies, etc