Within the Japanese financial industry hereafter, it will be necessary to establish high-quality financial services for individuals and households, taking the special features of retail financial services in Japan into account. I will now point out these special features. A.
Customers' Preference for Access to Financial Services through Bank Premises  First, individual customers in Japan show a strong preference for access to financial services through bank branch premises, given that the level of administrative work at Japanese banks is relatively high among banks worldwide.