*  *  *  Chief Executives of Commercial Banks here present; Distinguished Guests; Colleagues; Ladies and Gentlemen; I am honoured this morning to be addressing this distinguished gathering. Allow me therefore at the outset to thank you for accepting our invitation to attend this second scenarios building workshop on the future of financial service delivery in Kenya.
Allow me at the onset to appreciate the presence of His Excellency the President. I also wish to salute the Board, Management and Staff of Family Bank for successfully serving Kenyans for the last twenty five years. For most of the twenty five years of its’ existence, Family Bank operated as a building society with a microfinance focus.