Savings for the future
Deposits
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 apparent as banks increase the rates they offer to depositors. While some UK banks have benefited by
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