I also used to think the same, but in recent times whenever i have had to visit the branch i realized that its always been busy there. Retired people who prefer to get their passbooks updated sometimes bringing passbooks of not just their family members but also neighbours 
then many times ppl seeking loans come down to the branch, negotiating on the interest rates. ppl visiting branches to operate lockers, etc. quite a few use cases to keep the staff busy.
Pls if you notice the branch size has steadily dropped keeping the rent cost low.
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