For instance, 15% of unbanked areas are 1st to 2nd class municipalities. These areas will surely benefit from financial intermediation to sustain local economic growth and boost consumption and productivity. Admittedly though, some of you may be already satisfied with the current market that you are serving.
If geographical expansion is not part of your game plan, you can always improve your products and services in terms of design and delivery. As rural banks, what sets you apart from bigger banks is that you are more relationships driven. You have an intimate knowledge of the local economy and close ties with the community.