Contained in the September Westpac/Melbourne Institute survey of consumer confidence was a quarterly question on the wisest places for savings. Most people said the wisest place to put new savings was in the bank  (29.3 per cent of respondents). Next highest was using it to "pay debt" (23.5 per cent), followed by "real estate" (10.5 per cent), shares (8.9 per cent), "don't know" (6.3 per cent); "spend it" (5.7 per cent) and, lastly, superannuation (5.5 per cent).  The number picking "real estate" as the wisest place for savings was the lowest in 44 years of records, observed the CommSec economics team. Macquarie Bank Ltd, rated A by S&P and Fitch, respectively, and A2 by Moody's, has priced an A$25 million tap of one-year senior unsecured floating rate notes, increasing the outstanding balance to A$300 million.  The floating rate notes have a re-offer margin and a coupon of 34 basis points over three-month BBSW; a capital price of 100.004 per cent; and accrued interest of 0.074 per cent. Settlement date is 19 September 2017, with final maturity on 6 September 2018. The notes are expected to be repo-eligible. ANZ was the sole lead manager. Lloyds Banking Group plc, rated Baa1 (possible upgrade) by Moody's, BBB+ (negative) by Standard & Poor's and A+ (stable) by Fitch, has priced A$650 million of 5.5-year fixed and floating senior unsecured notes. The A$400 million fixed rate tranche pays a coupon of 3.65 per cent with an issue price of 99.827 per cent. The tranche yields 3.685 per cent, which equates to 130 bps over semi-quarterly coupon matched asset swap. The A$250 million floating rate tranche has a re-offer margin and a coupon of 130 basis points over three-month BBSW, priced at par. The settlement date on both tranches is 20 September 2017, with a final maturity date of 20 March 2023. Joint lead managers are ANZ, NAB, Nomura, TD Securities and Westpac.