11.   A takeover target itself, Hubco prefers to acquire customers by buying banks than to lower loan rates and pay higher deposit rates, Puglisi said.

12.   Consumers can also expect lower loan rates and higher deposit rates as the banks compete for business, analysts said.

13.   Currency risks apart, the drop in yields on short-dated debt, which tracks deposit rates, should drag bund yields down, too.

14.   Demand for the rupiah has also slipped after a flood of rupiah in the last week drove the one-week deposit rate down for three consecutive trading days.

15.   Deposit rates for Swiss francs rose or were unchanged.

16.   Deposit rates for Swiss francs fell or were unchanged Friday.

17.   Each of the largest banks tumbled on expectations profit margins would be squeezed if deposit rates are increased.

18.   Falling rates reduce what banks can charge customers on loans at a time when deposit rates are already too low to cut further.

19.   For time deposits of longer maturity, banks use yen-denominated swap rates as a yardstick to decide deposit rates.

20.   Ho, from Jardine Fleming, expects China to confirm credit loosening by cutting loan and deposit rates later this year.