billion 54 52 50 48 46 44 42 Jan 12  Jan 13  Jan 14  Value of large notes in circulation  Jan 15  Jan 16  Jan 17  Linear trend  ​Note: Large notes are DKK 500 and 1,000 notes. ​Source: Danmarks Nationalbank. So far, households have been shielded from negative deposit rates Per cent p.a.
2,0  1,5 Households 1,0  Investment and pension funds Corporates  0,5  0,0  -0,5  -1,0 2010  2011  2012  2013  2014  2015  2016  ​Source: Danmarks Nationalbank, Financial Stability, 2nd half 2016. April 17 17  Banks are adjusting business models towards more fee-based income Kr.