The quantitative and qualitative monetary easing introduced by the Bank of Japan in April 2013 has entered its seventh year. Despite the fact that there is still no prospect of monetary policy normalization, discussions about the next additional monetary easing measures have begun due to high global economic uncertainty. One side effect of the prolongation of monetary easing is the impact on the profits of financial institutions. Among regional financial institutions, a tendency for restructuring is underway, and mergers of those with the same operating areas have significantly helped reduce expenses. In the future, mergers of regional banks are expected to lead to the issue of system integration costs, and the utilization of new technologies such as cloud computing technology is expected. In the era of the “100-year life,” young people will be more inclined to save for their old age. It is feared that when the natural rate of interest that balances out the supply and demand of funds is pushed down by an increase in savings, the steering of monetary policy will become even more difficult.