Well... It is pretty clear they aren't going to let some hillbilly in fly over country tell them how to run their banks..
It is not just a matter of judgment of many individuals who are employees of the bank, but of administrative controls and measuring and controlling various types of risk created throughout vast branching system as it is aggregated for the organization as a whole. They have to be able to steer assumption of risk and manipulate the magnitude of each source of risk to meet their tolerances and needs.