Since the late 1990s, service provisions have significantly improved through limited government provisions and contributions from non-governmental organisations, religious groups, the international community (especially the diaspora), and the growing private sector. Local and municipal governments have been developing key public service provisions such as water in Hargeisa and education, electricity, and security in Berbera. 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. In 2014, Dahabshil Bank International became the region's first commercial bank. In 2017 Premier Bank from Mogadishu opened a branch in Hargeisa.