Retail depositors and governments have matured in their approach to managing their funds. Depositors are unwilling to settle for lower returns from banks when other investment avenues are fetching more. Governments are not allowing their surplus funds lie idle with banks. And acknowledgment of this comes from bankers themselves.They say mobilising low-cost current account, savings account (CASA), which is one of the key factors for offering loans at competitive interest rates and improving/maintaining net i ...