Savings banks facing severe earnings problems have gotten into these problems due to inflexible asset structures, numerous bad real estate loans and higher deposit costs.

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Savings banks have faced severe earnings problems due to a combination of inflexible asset structures, which make it difficult for them to adapt to changing market conditions, a significant number of bad real estate loans that result in losses, and higher deposit costs that reduce their net interest margin.

Savings Banks Facing Severe Earnings Problems Have Gotten into These