May I add that the decision to commence full banking operations in a new jurisdiction is not a spur of the moment thing and is certainly not taken lightly. Banking is a relatively difficult and complex business to establish. Set up and operating costs are extremely high. Just look around you and take a guess at how much has been spent on this fit-out.
A new institution trying to position itself in an already competitive market must be prepared to do more to secure a share of that market. There are strenuous compliance requirements set by the regulators that must first be met before the business can even think of taking in the first deposit, or giving out the first loan.