"Something is mismatching here..." The missing link here is the knowledge how banking system functions. There are a few things you need to understand before raising this as an 'issue'. These are, Central Bank rates, Inter-bank borrowing and bank liquidity. Central banks generally do not lend money to banks at any rate.. unless there is a programme to inject funds to the economy for open market operations. The QCBR 2% you are referring to is something else.

Another thing to look at is banks' interest rates on their lending which is directly related to what they pay you on your deposits with them.