One question for financial institution management in Japan is whether the costs associated with maintaining deposit bases are commensurate with the profits. Retail banking is associated with a variety of unique factors that lead to an increase in costs, including ATM that operates 24 hours.
Meanwhile, to charge fees for the current deposits whose balance dropped below the required minimum balance is not gaining customers’ understanding. While how to balance the costs and profits is an important management judgment, it would be absolutely necessary for financial institutions to avoid the possibility of running below break-even.