Deposit mobilisation is how lenders fund themselves from the public instead of relying only on wholesale borrowing. Branches, agents, digital accounts, and savings campaigns all compete for household and business balances.
Key takeaways
- Sticky retail deposits are usually cheaper and more stable than short market funding.
- Rates, convenience, trust, and network reach drive who wins balances.
- Strong mobilisation supports more lending capacity under normal capital rules.
- Aggressive rate wars can lift funding costs system-wide if every bank chases the same savers.