Palmstruch's first major innovation in combining these two banks was to use the money deposited by account holders to finance the loans rather than requiring capital to be provided by himself or the other bank owners. This soon became a problem, however, as deposits were usually short-term and the loans long-term, meaning that deposited money was unavailable to be withdrawn by account holders. This problem was rendered more acute when the copper content of the coins was lowered 17% in 1660 as account holders demanded the return of the copper "daler" they had deposited since they were now worth more as metal than as coins. It was impossible for the bank to fulfil these requests as the money had been paid out as loans.