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If you have -5% interest rate, £100 kept in a bank would mean at the end of the year you would only have £95 left in the bank. £100 of cash would still be worth £100 and so you would have £5 more with cash.
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If you have -5% interest rate, £100 kept in a bank would mean at the end of the year you would only have £95 left in the bank. £100 of cash would still be worth £100 and so you would have £5 more with cash.