The Bank is concerned that household voluntary savings rates are low, while borrowing levels are high compared to countries at a similar level of development.
Commercial banks must,  BIS Review 124/2010  3  therefore, seriously consider developing savings products that offer attractive deposit interest rates, in their own long-term interest, rather than concentrating on short-term gains by maintaining wide spreads between lending and deposit interest rates and, at the same time, charging exorbitantly for the services rendered.