According to the latest reports people are shifting more towards digital banking. People generally don’t go to a bank specially in metropolitan cities. Instead, they prefer to fulfil all their banking needs by just sitting at home & if all their banking needs can be fulfilled by sitting at home with the help of internet, then why simply to go branches or ATMs. So, I think bank can reduce their branches & doing so bank can actually reduce their lot of fixed cost, which occurs every year in managing so many branches & ATMs. Once this fixed cost will decrease then automatically bank will be more profitable.