In that sense, this has been a challenge faced by financial institutions' management even before the introduction of the negative interest rate policy. Since the introduction, it is true that the decline in deposit rates has been smaller than the decline in lending rates. Therefore, the excessive declines in long-term and super-long-term rates should have spurred on the declining trend in interest margins.
It was confirmed that, if the situation were to continue, financial institutions' profits could be affected to some extent.