15  Number mobile subscribers in rural India increased more than 9 times from just 33.14 million in March 2007 to 323.27 million in March 2012 (Source: TRAI Annual Report 2011–12)  16  BIS central bankers’ speeches  9)  Human Face of Banking: To deal with poor villagers, banks need to initiate training programmes to frontline staff and managers as well as BCs on the human side of banking.
Banks  10)  Agriculture Advances: While the number of farmers accounts with SCBs’ increased from just 63 lakh in March 2006 to 176 lakh in March 201016; in terms of credit, farmers with land holdings ‘above 5 acre’ accounted for largest share of 44% of total bank credit.