The household saving ratio took off once more over the September 2013 quarter, rising to 11.1 per cent from 10.2 per cent in the June quarter on a seasonally adjusted basis.On an original basis, the ratio climbed to 14.1 per cent from 8.3 per cent over the quarter. In trend terms, the household savings ratio was steady at 10.7 per cent.The ratio climbed quickly after the global financial crisis and is now at the second highest level since the crisis erupted in 2008, according to the Australian Bureau of Statistics.The rise in the ratio will give banks plenty to ponder in the context of a supposed "continuing evidence of a shift in savers' behaviour in response to declining returns on low-risk assets" as this week's monetary policy decision from the Reserve Bank of Australia put it on Tuesday.