The share of credit is lower than that of deposits in all regions except metropolitan, implying that resources get intermediated into metropolitan areas (Table 2). This in itself may not necessarily be undesirable or unexpected if resources are being intermediated to their best uses. However, they do provide some indication for concern and for the need for more investigation.
BIS Review 113/2006  7  The total number of saving accounts, considered to be a better indicator of banking penetration than other deposit accounts, as per cent of number of households, was 137 in rural areas and 244 in the urban areas on the eve of reforms in 1991. By 2005, despite the reforms, the differential continues to be similar.