Ann: Media Release, page-37

You are getting a number of banking theories completely crossed. Savings accounts are a type of funding for the bank. Obviously they need to fund loans somehow, whether that's through deposits or wholesale funding.

The other concept that you're talking about is risk-weighted assets (RWA) that banks have to hold capital against. The riskier the loans, the higher the risk-weighted asset and the higher the capital the banks have to hold against these loans. E.g. Residential mortgage might be 40% RWA, while a business loan might be $100%.