And we have to be mindful of changes in the information content of the indicators that central banks use as a basis for policy decisions (e.g. monetary aggregates and inflation rates).
*  *  *  Mr. Charles Ringera, Chairman, Association of Kenya Credit Providers; Mr. Habil Olaka, Chief Executive Officer, Kenya Bankers Association; Mr. Benjamin Nkungi, Chief Executive Officer, Association of Microfinance Institutions of Kenya; Association of Kenya Credit Providers Governing Council Members; Chief Executive Officers of Credit Reference Bureaus, Microfinance Banks and Development Finance Institutions;  Commercial  Banks,  Representatives of IFC, FSD Kenya and USAID FIRM; Members of the Press; Distinguished Ladies and Gentlemen; Good morning...