On the other hand, banks have also made the calculated decision to pay relatively low interest rates on some types of retail accounts and rely on higher-priced jumbo deposits or wholesale borrowing to fund incremental asset growth. BIS Review 56/2001  5  Despite competition for household funds, community banks have been relatively successful at maintaining their core deposit bases.
And here an important idea comes from Norway, with which South Africa shares a commonality in a strong natural resource base. The idea is to shepherd natural resource earnings and use it for long term, inter-generational, development.