they are not, they are just cautious. I do believe, however, that all branches of the same bank should have the same standard for opening a bank account and the branch manager should not be able to add any other requirements.
it is actually fraud as number 1, that money is supposed to be yours transferred from your country. Number 2 it has to be in your account for a certain amount of months and not drop below 400k. Number 3 it is most likely obtained by a bribe to the IO. The visa stamp will be real but the way it was obtained was fraudulent.