I have just been wondering if anyone on this forum ever calculated the 'cost-of-capital' for the leading banks in this country, e.g. what interest is paid in relation to the deposits from customers, i think this could be quite interesting as i think depending on the breakdown of the account types it could make a huge difference, e.g. the higher paying interest accounts, savings and moneymarket accounts have higher cost of capital to banks, whereas the current/cheque accounts that dont pay much/any interest has a much lower cost of capital, so if one thinks the banks that offer services to the lower end of the market might have a higher capital cost to the more corporate/business and higher end market customers. E.g. Capitec could have a higher cost of capital to Standard Bank, i'm thinking SBK could the be best off in this situation. Do you guys think this makes sense?