Initially there was a restriction on the bank in recovering any charge from the customer for such doorstep service as it was expected that the savings in cost of setting up a branch would be sufficient incentive.
2.2  … others have just been launched  A second problem that eventually arose during the European sovereign debt crisis was the close nexus between states and banks. Under the current regime, banks usually do not need to hold capital against the risks of loans to sovereigns – unlike other loans.