Growth has been higher for urban and semi urban branches compared to rural branches. In terms of advances to various sectors of the economy banks’ portfolio has been quite diversified. Since, 1998-99, while share of advances to agriculture sector remained around 12 per cent, there has been progressive diversification from industrial and wholesale credit to segments such as professionals, personal loans, etc (Annex 4).
Page 2 of 9  Teaming up  First, the fintech phenomenon has brought central banking and the larger regulatory community closer in working together on analysing and appraising new innovations. We have a long history of working together. This collaboration is strengthened as a result of the nature of the technology-inspired innovations not bound by physical topographies. This is the age of platforms.