Presumably, many Japanese do not recognize that Japanese financial institutions continue to provide settlement services without obtaining an appropriate amount of compensation. Banks provide their depositors with financial intermediation services including settlement services, and in return they receive implicit fees in the form of deposit spreads (market interest rates - deposit interest rates).
This ratio has however been on a rising trend since 2002. As you may be aware, the South African government has embarked on the Accelerated and Shared Growth Initiative of South Africa (ASGISA), with the intention of raising the GDP growth rate to around 4,5 per cent until 2009 and 6 per cent thereafter.