*  *  *  Chairman, Kenya Institute of Bankers Distinguished Members of the Council Management and Members of the Kenya Institute of Bankers Distinguished Guests Ladies and Gentlemen It is my great pleasure to be with you this evening at this auspicious occasion which celebrates an important annual event for the Kenyan Banking Fraternity.
I therefore thank the officials of Kenya Institute of Bankers for inviting me to this annual dinner and for according me the privilege of addressing this distinguished audience. This Annual event gives us a unique opportunity to meet, share experiences, reflect on the achievements we have made in the banking sector during the year, the missed opportunities and the challenges we face going forward.