Publication:
Banking Sector Stability, Efficiency, and Outreach in Kenya

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dc.contributor.authorCull, Robert
dc.contributor.authorBeck, Thorsten
dc.contributor.authorFuchs, Michael
dc.contributor.authorGetenga, Jared
dc.contributor.authorGatere, Peter
dc.contributor.authorRanda, John
dc.contributor.authorTrandafir, Mircea
dc.date.accessioned2012-03-19T18:42:15Z
dc.date.available2012-03-19T18:42:15Z
dc.date.issued2010-10-01
dc.description.abstractAlthough Kenya's financial system is by far the largest and most developed in East Africa and its stability has improved significantly over the past years, many challenges remain. This paper assesses the stability, efficiency, and outreach of Kenya's banking system, using aggregate, bank-level, and survey data. Banks' asset quality and liquidity positions have improved, making the system more resistant to shocks, and interest rate spreads have declined, in part due to reduction in the overhead costs of foreign banks. Outreach remains limited, but has improved in recent years, driven by mobile payments services in the domestic remittance market. Fostering a level regulatory playing field for all deposit-taking institutions is a key remaining challenge. Specifically, an effective but not overly burdensome framework for regulation and supervision of microfinance institutions and cooperatives is a priority. Maintaining an openness to new, and non-bank, providers of financial services, which has enabled the success of mobile payments, could also further outreach.en
dc.identifierhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20101006154729
dc.identifier.doi10.1596/1813-9450-5442
dc.identifier.urihttps://hdl.handle.net/10986/3924
dc.languageEnglish
dc.relation.ispartofseriesPolicy Research working paper ; no. WPS 5442
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS POINTS
dc.subjectACCESS TO BANKING
dc.subjectACCESS TO BANKING SERVICES
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO LOANS
dc.subjectACCESS TO SERVICES
dc.subjectACCOUNTING
dc.subjectASSET QUALITY
dc.subjectASSETS RATIO
dc.subjectAUTONOMY
dc.subjectBAD DEBTS
dc.subjectBALANCE SHEETS
dc.subjectBANK ACCESS
dc.subjectBANK BRANCHES
dc.subjectBANK COMPETITION
dc.subjectBANK FAILURE
dc.subjectBANK FAILURES
dc.subjectBANK INDONESIA
dc.subjectBANK PRIVATIZATION
dc.subjectBANK SERVICES
dc.subjectBANKING CRISES
dc.subjectBANKING CRISIS
dc.subjectBANKING INDUSTRY
dc.subjectBANKING REFORM
dc.subjectBANKING SECTOR
dc.subjectBANKING SECTOR ASSETS
dc.subjectBANKING SECTOR EFFICIENCY
dc.subjectBANKING SECTOR STABILITY
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBANKING SYSTEMS
dc.subjectBANKS
dc.subjectBOND
dc.subjectBOND MARKETS
dc.subjectBORROWING
dc.subjectCAPITAL ADEQUACY
dc.subjectCAPITAL ADEQUACY RATIOS
dc.subjectCAPITAL FLOWS
dc.subjectCAPITAL REQUIREMENTS
dc.subjectCAPITAL RETURN
dc.subjectCAPITALIZATION
dc.subjectCENTRAL BANK
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKING
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMPETITIVE MARKET
dc.subjectCONSOLIDATION
dc.subjectCONTRACT ENFORCEMENT
dc.subjectCOOPERATIVES
dc.subjectCORPORATE GOVERNANCE
dc.subjectCOST OF CREDIT
dc.subjectCOUNTRY COMPARISONS
dc.subjectCREDIT REGISTRY
dc.subjectCREDIT RISK
dc.subjectCREDITORS
dc.subjectDEBT
dc.subjectDEBT ISSUANCE
dc.subjectDEBT RECOVERY
dc.subjectDEFAULTS
dc.subjectDELIVERY OF CREDIT
dc.subjectDEPOSIT
dc.subjectDEPOSIT INSURANCE
dc.subjectDEPOSITOR
dc.subjectDEPOSITORS
dc.subjectDEPOSITS
dc.subjectDEVELOPMENT BANK
dc.subjectDISPUTE RESOLUTION
dc.subjectDIVERSIFICATION
dc.subjectDOMESTIC BANKS
dc.subjectEARNINGS
dc.subjectECONOMIC GROWTH
dc.subjectECONOMIES OF SCALE
dc.subjectEDUCATIONAL ATTAINMENT
dc.subjectEMERGING ECONOMIES
dc.subjectEMERGING MARKETS
dc.subjectEMPLOYMENT
dc.subjectEQUITY RATIOS
dc.subjectEXCHANGE RATES
dc.subjectEXPENDITURES
dc.subjectEXTERNAL AUDITORS
dc.subjectFINANCES
dc.subjectFINANCIAL CONGLOMERATES
dc.subjectFINANCIAL CRISES
dc.subjectFINANCIAL CRISIS
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL EXCLUSION
dc.subjectFINANCIAL INFRASTRUCTURE
dc.subjectFINANCIAL INSTITUTION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL SAFETY
dc.subjectFINANCIAL SECTOR ASSESSMENT
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL STABILITY
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL SYSTEMS
dc.subjectFISCAL DEFICIT
dc.subjectFOREIGN BANKS
dc.subjectFORMAL BANK
dc.subjectFORMAL BANKING
dc.subjectFORMAL FINANCIAL SERVICES
dc.subjectFRINGE BANKS
dc.subjectGOVERNMENT BANKS
dc.subjectGOVERNMENT DEBT
dc.subjectGOVERNMENT REFORM
dc.subjectGOVERNMENT SECURITIES
dc.subjectHIGH INTEREST RATE
dc.subjectHOLDINGS
dc.subjectHOUSEHOLDS
dc.subjectINFLATION
dc.subjectINFORMAL FINANCE
dc.subjectINFORMAL FINANCIAL INSTITUTIONS
dc.subjectINSTITUTIONAL REFORMS
dc.subjectINSURANCE
dc.subjectINSURANCE COMPANIES
dc.subjectINSURANCE CORPORATION
dc.subjectINSURANCE SERVICE
dc.subjectINSURANCE SERVICES
dc.subjectINTEREST EXPENSE
dc.subjectINTEREST INCOME
dc.subjectINTEREST RATE
dc.subjectINTEREST RATE SPREADS
dc.subjectINTEREST RATES
dc.subjectINTEREST RATES ON LOANS
dc.subjectINTERNATIONAL BANK
dc.subjectINTERNATIONAL CAPITAL
dc.subjectINVESTMENT BANKS
dc.subjectLIQUID ASSETS
dc.subjectLIQUIDATION
dc.subjectLIQUIDITY
dc.subjectLIQUIDITY POSITIONS
dc.subjectLIQUIDITY RATIOS
dc.subjectLOAN
dc.subjectLOAN LOSS PROVISIONS
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN PORTFOLIOS
dc.subjectLOAN REQUESTS
dc.subjectLONG-TERM ASSETS
dc.subjectMACROECONOMIC POLICIES
dc.subjectMACROECONOMIC STABILITY
dc.subjectMANDATES
dc.subjectMARKET DISCIPLINE
dc.subjectMARKET ECONOMY
dc.subjectMARKET SEGMENTATION
dc.subjectMARKET STRUCTURE
dc.subjectMATURITY
dc.subjectMATURITY TRANSFORMATION
dc.subjectMFIS
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMIGRATION
dc.subjectMINIMUM CAPITAL REQUIREMENTS
dc.subjectMONEY TRANSFER
dc.subjectNET INTEREST MARGIN
dc.subjectNON-PERFORMING LOAN
dc.subjectNON-PERFORMING LOANS
dc.subjectNONPERFORMING LOANS
dc.subjectNPL
dc.subjectOPERATING COSTS
dc.subjectOPERATING INCOME
dc.subjectOUTREACH
dc.subjectOVERHEAD COSTS
dc.subjectOWNERSHIP STRUCTURE
dc.subjectPAYMENTS SERVICES
dc.subjectPENSIONS
dc.subjectPRIVATE BANKING
dc.subjectPRIVATE BANKS
dc.subjectPRIVATE CREDIT
dc.subjectPRIVATE SECTOR BANKS
dc.subjectPRIVATIZATION
dc.subjectPRIVATIZATIONS
dc.subjectPROFIT MARGIN
dc.subjectPROFIT MARGINS
dc.subjectPROFITABILITY
dc.subjectPRUDENTIAL REQUIREMENTS
dc.subjectPUBLIC ENTERPRISES
dc.subjectREGULATORY AUTHORITY
dc.subjectREGULATORY FRAMEWORK
dc.subjectREGULATORY POLICIES
dc.subjectREMITTANCE
dc.subjectREMITTANCES
dc.subjectRESERVE
dc.subjectRESERVE REQUIREMENT
dc.subjectRESERVE REQUIREMENTS
dc.subjectRESERVES
dc.subjectRETURN ON ASSETS
dc.subjectRETURN ON EQUITY
dc.subjectRISK MANAGEMENT
dc.subjectRISK TAKING
dc.subjectRISK WEIGHTED ASSETS
dc.subjectRURAL ACCESS
dc.subjectRURAL BRANCHES
dc.subjectSAFETY NET
dc.subjectSAVINGS
dc.subjectSAVINGS DEPOSITS
dc.subjectSAVINGS SERVICES
dc.subjectSELF-REGULATION
dc.subjectSHARE OF ASSETS
dc.subjectSHORT-TERM DEPOSITS
dc.subjectSMALL BANKS
dc.subjectSTATISTICAL ANALYSIS
dc.subjectSTATUTORY REQUIREMENTS
dc.subjectSTOCKS
dc.subjectSUPERVISION OF BANKS
dc.subjectSUPERVISORY FRAMEWORK
dc.subjectSUPERVISORY POWERS
dc.subjectTAX
dc.subjectTAX RATE
dc.subjectTIER 1 CAPITAL
dc.subjectTREASURY BILLS
dc.subjectURBAN AREAS
dc.subjectWEALTH CREATION
dc.titleBanking Sector Stability, Efficiency, and Outreach in Kenyaen
dspace.entity.typePublication
okr.crossref.titleBanking sector stability, efficiency, and outreach in Kenya
okr.date.disclosure2010-10-01
okr.date.doiregistration2025-04-10T11:40:45.512127Z
okr.doctypePublications & Research::Policy Research Working Paper
okr.docurlhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20101006154729
okr.guid428671468048252880
okr.identifier.doi10.1596/1813-9450-5442
okr.identifier.externaldocumentum000158349_20101006154729
okr.identifier.internaldocumentum12839285
okr.identifier.reportWPS5442
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2010/10/06/000158349_20101006154729/Rendered/PDF/WPS5442.pdfen
okr.region.administrativeAfrica
okr.region.countryKenya
okr.region.geographicalSub-Saharan Africa
okr.region.geographicalEast Africa
okr.sectorFinance :: General finance sector
okr.unitDevelopment Research Group (DECRG)
okr.unitDECRG: Finance & Priv Sec Devt (DECFP)
okr.volume1 of 1
relation.isAuthorOfPublication4694cd5a-bd90-594b-abe2-f5b681139e6d
relation.isAuthorOfPublication.latestForDiscovery4694cd5a-bd90-594b-abe2-f5b681139e6d
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
relation.isSeriesOfPublication.latestForDiscovery26e071dc-b0bf-409c-b982-df2970295c87
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