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At 31 December(in millions of euro) 2008 2007 2006Savings accounts............................................................... 114,680 101,175 89,500Current accounts............................................................... 13,230 11,848 11,056Other................................................................................. 2,928 457 788Total deposits by individuals.......................................... 130,838 113,480 101,344Total deposits by businessesand individuals................................................................ 304,214 276,610 234,917Short-term borrowingsShort-term borrowings are borrowings with an original maturity of one year or less. These are included inRabobank Group’s consolidated balance sheet under “Debt securities in issue”. An analysis of the balance ofshort-term borrowings at 31 December 2008, 31 December 2007 and 31 December 2006 is provided below.At 31 December(in millions of euro) 2008 2007 2006Year-end balance............................................................... 55,385 58,440 58,766Average balance................................................................ 61,010 61,277 60,211Maximum month-end balance .......................................... 68,963 67,358 63,524Long-term borrowingsLong-term borrowings are borrowings with an original maturity of more than one year. These are included inRabobank Group’s consolidated balance sheet under “Debt securities in issue” and “Other financial liabilitiesat fair value through profit and loss”. An analysis of the balance of long-term borrowings at 31 December2008, 31 December 2007 and 31 December 2006 is provided below.At 31 December(in millions of euro) 2008 2007 2006Year-end balance .............................................................. 105,191 110,675 95,570Average balance ............................................................... 110,327 109,288 90,052Maximum month-end balance ......................................... 112,900 112,919 98,709283