Zero interest rates & commerical banks

If ECB rate is 0%, what will commerical banks rates be?

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If we got to a situation where the ECB base rate was 0%, what do people think the prevailing bank rates would be. I’ve used mortgage rates (well, let’s not forget it is the propertypin), but how do people think other rates will be affected e.g. savings, personal loans & credit cards (assuming these will be available at all)?

IIRC retail loan rates in Japan throughout the ZIRP era were around 3-4%.

It’s interesting because that is the level that some of the banks are once (if) they implement the last cut. I wonder, will each new ECB cut be met with demands for them to slash rates, or will they stay where they are now.