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D. N. Ghosh, chairman of State Bank of India speaks about the rural banking in India, he says, "Uniqueness of banking system is that, a, we have always tried to adapt our system to the compulsion of economy and as I said that the rural banking is one such compulsion number two we have no model to fall back up on we have to do it on our own and I must say there the policy makers have been extremely innovative and extremely forward looking. What we do in rural banking or any other banking is to locate which are potentially viable and then come forward to give it credit so that it can make itself viable. I think the uniqueness of our bank officials is to locate at this potentially viable and make it viable. What we are financing in the rural sector is not high-risk banking it is high-cost ban
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