Beside from all the other problems with your offering, how are you trying to do this?

There are already dozens of exchanges available, how are you going to be different?

Savings accounts require paying interest and I guess the money for that will come from the loans. But how are you going to secure yourself against theft, delays in payment or honest bankruptcy?

Basicly you thought, hey banks are making tons of money with dollars and euros, why shouldnt I start a bitcoin bank?