Savings for the future
UK mortgage banks will be depending heavily on one channel to help fund their mortgages this year - savers' deposits. Dippy Singh reports on the growing competition among lenders to gain control in this sector, and which banks need to up their game
If mortgage banks experience any loan growth in 2008 it will not be due to new funding from the structured investment markets but will be down to funding via customer deposits. UK banks that have deposit-taking businesses will be almost solely dependent on this channel to fund their mortgages as the capital markets remain dormant this year.
Fierce competition for customer deposits is already
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