Consequently, the operational structure of rural banks must be customized according to its target market. Realizing the need to redefine and redirect the policy direction of rural banks in the future, I would like to highlight several initiatives we can take over the next five years. BIS Review 8/2008  41  1.
Thoroughly conduct research studies and reviews concerning local economic strengths that would be more relevantly served by rural banks instead of commercial banks. From the results of the study, rural banks should be able to formulate and prepare an operational structure suitable to local conditions, and therefore exploit the niche opportunities to generate profit. 2.