From the Sofia Echo

Bulgaria's household deposits registered a decline for the first time in a year and three months, with drawn funds in September exceeding savings by 25 million leva in the same month, according to Bulgarian National Bank (BNB) data.

Life insurance cover and voluntary pension funds - banking products in which people invest their own funds - also have had funds withdrawn from them, according to the BNB report.

According to representatives of the financial sector, it is still difficult to determine the exact reason for the emerging trend, with some of them believing that some of the savings are being withdrawn to cover expenses while others see the trend as a sign of increasing consumption.

"
With the first promising signs that the crisis is over, people will surely start to restructure their savings and to reduce the funds set aside with banks on account of other investments. But it is too early to observe such a structural change,"
according to Emil Vuchkov, Marketing and Product Policy director at MKB Unionbank.

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"
with some of them believing that some of the savings are being withdrawn to cover expenses"
Really? What a brilliant deduction by brilliant economists

As I have often been told by the bulgarians "
This is Bulgaria"