Half of ANZ's group funding comes from customers, with the bank experiencing a sharp drop in retail deposit growth in the second half of year to September 2008. Term deposits increased 28 per cent for the year to $89 billion, with only nine per cent of the growth in the second half of the reporting year.Other deposits bearing interest, which includes at-call funds, increased five per cent for the year to $99 billion as cash investors switched to the high rates offered for terms, with deposits not bearing interest falling eight per cent to $9.4 billion.Combined, the three retail deposit groups increased eight per cent in the first half of the year to $187 billion, with growth slowing to five per cent totalling $197 billion in the second half.Total deposits and other borrowings increased 21 per cent to $284 billion, with only seven per cent of the growth in the second half.The bank's remaining group funding includes 18 per cent short term wholesale debt, with term debt greater than one year 14 per cent and term debt less than one year seven per cent. Hybrid debt accounts for seven per cent and commercial bills four per cent.