Kenyan banks have faced a number of challenges in implementing these guidelines. I am sure that these are challenges also shared in some of the countries represented here. In particular, some customer due diligence requirements have been difficult to implement particularly in rural and even peri-urban areas.
Marine flora and fauna, like coral reefs and fish banks, have an enormous value for our societies and not only for the local communities, which have lived and looked after them for generations. Coral reefs and mangroves are also necessary to protect the shores and avoid inland flooding.