Complex sentence: On 23 January 1991, the government began restricting monthly bank deposit withdrawals to 500 rubles with the official expanation that this was to freeze the income of corrupt officials, capitalists and criminals.
Split into simpler sentences: On 23 January 1991 the government began restricting monthly bank deposit withdrawals to 500 rubles. The official reason was this was to freeze the income of corrupt officials, capitalists and criminals.