Local and municipal governments have been developing key public service provisions such as water in Hargeisa and education, electricity, and security in Berbera.[1] In 2009, the Banque pour le Commerce et l'Industrie – Mer Rouge (BCIMR), based in Djibouti, opened a branch in Hargeisa and became the first bank in the country since the 1990 collapse of the Commercial and Savings Bank of Somalia.[15] In 2014, Dahabshil Bank International became the region's first commercial bank.[16] In 2017 Premier Bank from Mogadishu opened a branch in Hargeisa.[17]