I wonder what happens to the banks when customers start to move...

I wonder what happens to the banks when customers start to move their cash on deposit back into shares? This may start to happen well before the big banks have flushed out all their bad credit. The govt will remove the deposit gtee at some point as well.

This scenario may be more damaging to the big 4 than to Mac as a) Mac pays a higher deposit rate so it's customers will pull out later, b) the big 4 rely more heavily on retail deposits for their capitalisation, and c) Mac is far less exposed to credit risk.

Therefore, maybe Mac rebounds far more strongly and quickly than the others? Now, just gotta work out when...