In manappuram current AR, they have explained in detail how with use of new technology they are gonna reduce branch size and staff with increased safety. With high security system in place (by this year end) they will save a lot on guards salary etc (Check security expence in otehr expence details). Its quite encouraging to read this year Manappuram AR and seems they are on right track to improve branch efficiency and hence might get reflected in higher RoA in this year results.
Other views invited.
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