So they only provide loans?
No. They cannot provide loans.
What they can do is take applications for loans, applications for accounts, and receive documents relative to those functions, etc. No funds can be sent or received by a representative office. No deposits or withdrawals can be made. No funds can be wired or transferred.
They are merely a marketing/advertising/customer service office conduit for those who may already have accounts and want questions answered or to solicit new information for those who may want to open a new account.
To put it in perspective, any ATM in a bodega has more banking authority than any representative office...........
Respectfully,
Playacaribe2