Financial institutions are under constant pressure to reduce costs, improve operational efficiency, adapt to regulatory changes and grow their business. NRI believes that a combination financial knowledge and information technology are crucial to the industry’s growth and development. Through our lakyara reports, NRI identifies the various capital markets and IT issues impacting our clients and the future of their business.
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Japanese investment trusts are, on average, small in terms of assets, giving them substantial scope for improvement in efficiency. With new funds likely to continue to proliferate, investment trust sponsors should apportion fixed expenses on a fund-by-fund basis to elucidate funds’ stand-alone profitability. This should expedite early redemption or merger of investment trusts that have experienced large decreases in assets, thereby improving the investment trusts business’s overall efficiency.
Household financial assets declined sharply in FY07. At first blush, households appear to have become more conservative in their asset allocation, increasing their holdings of time deposits. But households still exhibit a robust risk appetite, particularly in their propensity to invest in foreign-currency products.