First and foremost, this  comes from a relentless and consistent focus on the core mandate of the central bank, namely, maintenance of price stability, thus contributing to broader macroeconomic stability for durable and sustainable growth; second, establishing structures that promote financial stability; and, third, adoption of a regulatory framework that balances prudential requirements with allowing sufficient scope for innovation.
In any case, the high ROAs and ROEs are not sustainable in the long term as customers cannot afford the high cost of banking services indefinitely. Second, risk-based credit pricing is imperative. In CBK’s vision, customer credit histories must amount to something. Good credit histories portend a less risky customer and therefore lower interest rates.