•  Net advances increased from Ksh.222.8 billion to Ksh.1.27 trillion,  •  Profit before tax of Ksh.5.8 billion increased to Ksh.107 billion. •  The number of bank accounts has increased from 1.9 million accounts to 17.6 million. •  Deposit insurance has evolved to cover fully 94% of the total deposit accounts.
These are elements that we have to explore, but the important issue is to take steps in the right direction in 2/3  BIS central bankers' speeches  order to complete the banking union and to try to bridge the stalemate of sorts that we now have in Europe on how to complete banking union.