Banks are special and the banking licence, which enables banks to be highly leveraged institutions, casts responsibilities on them to make available basic banking services to all. At the same time sustained growth of their balance sheets would imply that they penetrate remote and hitherto un-reached segments of population requiring investments in technology and skills for scaling-up.
In one sense, it seems to be a time horizon issue as, such investments – if made early enough and market share enhanced – can actually help the bottom line. This would then represent a winwin situation for the financial system and society.