Todays Ziraat Bankas actually started in $1885.$ At its inception each one of its $400+$ branches were capitalized as independent units and exclusively served their particular localities. Namely, they derived their capital from receiving a portion of their areas tithe $($agricultural tax, thus Yalova branch got $1\%$ of Yalovas tithe, S$$rmene received $1\%$ of S$$rmenes tithe, Tekirda obtained $1\%$ of Tekirdas tithe.etc$).$ Therefore except under extreme emergencies there was NO flow of funda between branches. BRIEFLY explain the logic underlying this structure.