(i)  To start with, I believe, fuller utilisation of existing capacity can itself give huge dividends. Given the existing number of nearly 48,000 rural and semi-urban branches, an increase of loans by rupees one crore per branch could imply additional profits of about Rs.480 crore to the banking system. (ii)  Currently each rural branch services only around 1000 loan accounts.
Consequently, domestic asset prices are increasingly determined by global factors. For instance, the question of to what extent the investment of China's current account surplus has reduced long term interest rates in advanced economies, most notably in the US, has been studied extensively in recent years. The results are not clear-cut but it seems that the impact has been substantial.