For example, once the effects of lower interest rates have worked their way through, sale of bonds will no longer generate new profits. Moreover, if interest rates begin to rise, the sale of bonds will start creating losses.
The average population per bank branch in Odisha declined from 16,800 in March 2003 to 13,800 in March 2011 which is  6  BIS central bankers’ speeches  somewhat comparable to the national average figure of 13,400 (Chart 8). During this period the number of branches of commercial bank has increased from 2,240 to 3,234.