*  *  *  Mrs. Jacinta Mwatela, Deputy Governor of the Central Bank of Kenya; Mr. Richard Etemesi, Chairman of the Kenya Bankers Association; Ms. Caroline Pulver, Representative of the Financial Sector Deepening Trust; Representatives of the Kenya Bankers Association; Distinguished Guests; Colleagues; Ladies and Gentlemen: I would like to start by first thanking all of you for accepting our invitation to attend the launch of this survey on bank charges and lending rates.
Allow me at this early juncture to extend a special vote of thanks to the Financial Sector Deepening (FSD) Trust, Kenya for partnering with us on this key initiative. I would also like to acknowledge the efforts of Research International, Tell-Em Ltd. and the Central Bank Team that worked on this project.