You can barely survive at the break even point but to be successful in the long term one should bring in more profits compared to the costs involved leading to sustained growth. The time to break even from the start of operation is often used to calculate the return on investment (ROI).
Are we talking about a sustained "break even" point (over a three or longer month-period), or just a one off?
Also, it would depend on the business (type, product(s) being offered, being part of a conglomerate or not, raison d'être), the current/ projected status of the market, politico-economic stability... the list of variables is long.
As to loans, would it not depend on the country the main branch of the bank is stationed in?