The individual bars may fall below 0% if one or more of the channels involved has a dis-smoothing effect on countryspecific consumption growth. All bars together total 100%. Figure 8: Financial knowledge, attitudes and behaviour (average scores)  Source: OECD/INFE International Survey of adult financial literacy competencies (2016)  References  • Bergthaler, W. et al.
The re-branding identity is a significant development aimed at achieving this goal. 2. I am aware that Consolidated Bank of Kenya has come a long way since it was incorporated in 1989 under the financial sector reform program established by the Government with the objective of taking over and re-structuring various troubled institutions.