If they have long-term loans on their balance sheet of very long duration they are okay from a revenue-stream point of view. Current interest rates are still l

If they have long-term loans on their balance sheet of very long duration they are okay from a revenue-stream point of view. Current interest rates are still low from a historic point of view. It could be a good hedge for them because if they have a lot of 30 year loans on the books, then they want a lot of low-liquidity deposits in case rates go up and the nominal value of the loans they have go down. 10 years of interest penalty is going to discourage people from withdrawing early. Also, it's probably not a bad marketing gimmick if they aren't going to issue too many of them.