9. Allow me to conclude my remarks by appealing to banks to explore ways of enhancing the efficiency in service delivery. By enhancing efficiency banks are capable of offering more affordable banking services. This has the potential of drawing a larger number of Kenyans to the financial system resulting in an expanded banking clientele.
Following the recent study on cost of banking services, the Central Bank will soon be launching the results of the survey and a sensitisation program to educate the public for more effective market discipline. We believe that these measures will encourage efficiency in the banking sector and resultant lowering of bank costs for the benefit of both the banks and the economy. 10.