How quickly do the central bank's interest rate cuts reflect in market credit and deposit rates? The answer to this question is also important for those investing in the cryptocurrency market. While a low-interest environment reduces the returns on traditional savings instruments, investors tend to shift towards alternative assets. The narrowing of interest margins in the banking system affects liquidity conditions, which in turn changes the dynamics of financial markets. So, are bank loans really becoming cheaper, or are deposit holders the real losers of the policy change? The time it takes for central bank actions to reach the real economy plays a critical role in determining investment strategies.