For purposes of this discussion, I define local banking markets as counties in rural areas and as Metropolitan Statistical Areas in urban areas. 5  The patterns for return on equity (ROE) are similar to those for ROA, although community banks as a whole had negative ROE in both 2009 and 2010.
In this instance, a special design of rickshaw was created in association with IIT Guwahati, which resulted in a light weight rickshaw that ensured an all-weather comfortable seating for passengers and sufficient  BIS central bankers’ speeches  3  space for storage of luggage. This also ensured a unique identity of the rickshaw financed under the scheme.