Many studies have shown that the semi-urban areas are full of commercial potential. One has to recognise the increasing rural-urban continuum rather than persist with the old rural-urban divide and accordingly reorient the whole banking strategy. 3  BIS Review 18/2000  Regulation and supervision On the next theme of regulation and supervision, my colleague, Mr Muniappan had apparently very frank discussions.
I would like to comment briefly on the issue of size and diversification. The worldwide trends are clearly towards large size but overall, it is extremely contextual, especially in our country. It really depends on how a bank is able to transform the advantage or disadvantage of size.