{"id":70,"date":"2025-04-26T06:43:15","date_gmt":"2025-04-26T06:43:15","guid":{"rendered":"https:\/\/kba.co.ke\/site25\/?page_id=70"},"modified":"2025-05-09T06:32:33","modified_gmt":"2025-05-09T06:32:33","slug":"policy-briefs","status":"publish","type":"page","link":"https:\/\/www.kba.co.ke\/site25\/policy-briefs\/","title":{"rendered":"Policy Briefs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"70\" class=\"elementor elementor-70\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b18a0f e-flex e-con-boxed e-con e-parent\" data-id=\"3b18a0f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba244cc ha-has-bg-overlay elementor-widget elementor-widget-heading\" data-id=\"ba244cc\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">One Industry . Transforming Kenya<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-647d81c elementor-widget elementor-widget-heading\" data-id=\"647d81c\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Policy Briefs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fad4333 e-con-full e-flex e-con e-parent\" data-id=\"fad4333\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-241cbbb e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"241cbbb\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-258b2a3 elementor-widget elementor-widget-text-editor\" data-id=\"258b2a3\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This volume of the KBA Policy Briefs, the first in the series, highlights policy insights generated from eight KBA Working Papers presented during the 10th Annual Kenya Bankers Association Banking Research Conference held in September 2021 under the theme\u00a0<b>\u201cBanking Beyond COVID-19: Risk- Assessment, Balance Sheet adjustments and Exploring Options and Pathways to Strong and Sustainable Economic Recovery\u201d<\/b><\/p><p>The briefs contained herein spotlight three interrelated areas. First, whether the COVID-19 pandemic altered traditional views about risk and its assessment at the sector and aggregate level. Second, whether the pandemic triggered adjustments in bank balance-sheet structures, in particular seeking to establish how the structural changes occasioned by the pandemic influence the sector\u2019s path\/evolution post-pandemic, and third, ascertain the economic effects of the pandemic at both aggregate and sectoral level, with the objective of identifying any evident potential channels that could be explored towards a strong and sustainable recovery.<\/p><p>We wish to thank and acknowledge the role of the contributors, peer-reviewers, discussants, and conference participants for a stimulating and robust dialogue that has continued to shape the production of the KBA Working Paper Series. Indeed, the collegial outcome of the analytical work contained herein continues to inform industry decisions, especially in the existing dynamic and evolving environment.<\/p><p>It is our hope that that you will find this piece of work useful and that it will sustain the momentum of the discussions that began during the conference. We welcome feedback on the contents of this 2022 KBA Policy Briefs as we continually seek to improve its relevance and informativeness to you. You can send your feedback to the editor at<span style=\"color: #f78f1e;\">\u00a0<a style=\"color: #f78f1e;\" href=\"mailto:research@kba.co.ke\">research@kba.co.ke<\/a>.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43d9a6e animated-slow e-n-tabs-mobile elementor-invisible elementor-widget elementor-widget-n-tabs\" data-id=\"43d9a6e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;horizontal_scroll&quot;:&quot;disable&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"71146094\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-711460941\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-711460941\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2025\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-711460942\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-711460942\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2024\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-711460943\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-711460943\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2023\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-711460944\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-711460944\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2022\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-711460941\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-711460941\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-67d0458 e-con-full e-flex e-con e-child\" data-id=\"67d0458\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1541148 elementor-widget elementor-widget-shortcode\" data-id=\"1541148\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_1907\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"1907\" data-filter-delay=\"1000\" aria-label=\"Policy Briefs 2025\"            id=\"footable_1907\"\n           data-unique_identifier=\"ninja_table_unique_id_1470272605_1907\"\n           class=\" foo-table ninja_footable foo_table_1907 ninja_table_unique_id_1470272605_1907 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_policy_brief_no \">POLICY BRIEF No.<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"85\" class=\"ninja_table_row_0 nt_row_id_85\">\n            <td>PB\/01\/25<\/td><td>Does MSME Size and Turnover Influence Access To Bank Credit<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/KBA-Policy-Brief-Does-MSME-Size-and-Turnover-Influence-Access-To-Bank-Credit1-1.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"86\" class=\"ninja_table_row_1 nt_row_id_86\">\n            <td>PB\/02\/25<\/td><td>Macro \u2013 Imbalances and Bank Lending: A Case of Kenya\u2019s Banking Industry<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Macro\u2013Imbalances-and-Bank-Lending-A-Case-of-Kenyas-Banking-Industry.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"87\" class=\"ninja_table_row_2 nt_row_id_87\">\n            <td>PB\/03\/25<\/td><td>Breaking the Doom Loop: Strengthening Financial Stability in Kenya\u2019s Banking Sector<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Breaking-the-Doom-Loop-Strengthening-Financial-Stability-in-Kenyas-Banking-Sector.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"88\" class=\"ninja_table_row_3 nt_row_id_88\">\n            <td>PB\/04\/25<\/td><td>Monetary Policy at the turn of Financial Markets: A Forerunner or Follower<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Monetary-Policy-at-the-turn-of-Financial-Markets-A-Forerunner-or-Follower.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"89\" class=\"ninja_table_row_4 nt_row_id_89\">\n            <td>PB\/05\/25<\/td><td>Sovereign debt sustainability and private sector credit growth in Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Sovereign-debt-sustainability-and-private-sector-credit-growth-in-Kenya.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"90\" class=\"ninja_table_row_5 nt_row_id_90\">\n            <td>PB\/06\/25<\/td><td> Twin Deficits and Bank Profitability: A Framework for Stability in Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Twin-Deficits-and-Bank-Profitability-A-Framework-for-Stability-in-Kenya.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"91\" class=\"ninja_table_row_6 nt_row_id_91\">\n            <td>PB\/07\/25<\/td><td>Does Bank credit mitigate nature and climate change effects in cereal production in Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Does-Bank-credit-mitigate-nature-and-climate-change-effects-in-cereal-production-in-Kenya.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"92\" class=\"ninja_table_row_7 nt_row_id_92\">\n            <td>PB\/08\/25<\/td><td>Macroeconomic Imbalances Evolution and Their Effect on Bank Intermediation Cost in Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Macroeconomic-Imbalances-Evolution-and-Their-Effect-on-Bank-Intermediation-Cost-in-Kenya.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"93\" class=\"ninja_table_row_8 nt_row_id_93\">\n            <td>PB\/09\/25<\/td><td>Promoting Banking Sector Stability through Appropriate Capital and Competition Policies<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Promoting-Banking-Sector-Stability-through-Appropriate-Capital-and-Competition-Policies.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-711460942\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-711460942\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-f1a64ef e-con-full e-flex e-con e-child\" data-id=\"f1a64ef\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85c6adb elementor-widget elementor-widget-shortcode\" data-id=\"85c6adb\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_1937\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_1\" data-footable_id=\"1937\" data-filter-delay=\"1000\" aria-label=\"Policy Briefs 2024\"            id=\"footable_1937\"\n           data-unique_identifier=\"ninja_table_unique_id_2028607144_1937\"\n           class=\" foo-table ninja_footable foo_table_1937 ninja_table_unique_id_2028607144_1937 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_policy_brief_no \">POLICY BRIEF No.<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"116\" class=\"ninja_table_row_0 nt_row_id_116\">\n            <td>PB\/01\/24<\/td><td> Analysis of Drivers of Customer Satisfaction to inform Customer Centricity: Banking Sector Perspectives<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Analysis-of-Drivers-of-Customer-Satisfaction-to-inform-Customer-Centricity-Banking-Sector-Perspectives.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"117\" class=\"ninja_table_row_1 nt_row_id_117\">\n            <td>PB\/02\/24<\/td><td>Fiscal and Monetary Policy Interaction During Economic Shocks: A Wedge or Bridge for Bank Profitability?<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Fiscal-and-Monetary-Policy-Interaction-During-Economic-Shocks-A-Wedge-or-Bridge-for-Bank-Profitability.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"118\" class=\"ninja_table_row_2 nt_row_id_118\">\n            <td>PB\/03\/24<\/td><td>Bank performance and real sector productivity in East Africa<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Bank-performance-and-real-sector-productivity-in-East-Africa.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"119\" class=\"ninja_table_row_3 nt_row_id_119\">\n            <td>PB\/04\/24<\/td><td>Monetary policy risk-taking transmission channel: A case of banking industry in Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Monetary-policy-risk-taking-transmission-channel-A-case-of-banking-industry-in-Kenya.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"120\" class=\"ninja_table_row_4 nt_row_id_120\">\n            <td>PB\/05\/24<\/td><td> Are Gender-diverse Banks Less Risk-averse? Evidence from the Kenyan Commercial Banks<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Are-Gender-diverse-Banks-Less-Risk-averse-Evidence-from-the-Kenyan-Commercial-Banks.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"121\" class=\"ninja_table_row_5 nt_row_id_121\">\n            <td>PB\/06\/24<\/td><td>Promoting Banking Sector Stability through Appropriate Fiscal and Interest Rate Policies<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Promoting-Banking-Sector-Stability-through-Appropriate-Fiscal-and-Interest-Rate-Policies.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"122\" class=\"ninja_table_row_6 nt_row_id_122\">\n            <td>PB\/07\/24<\/td><td>Does Capital Matter in Banks\u2019 Responsiveness to Policy and Economic Shocks?<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Does-Capital-Matter-in-Banks-Responsiveness-to-Policy-and-Economic-Shocks.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"123\" class=\"ninja_table_row_7 nt_row_id_123\">\n            <td>PB\/08\/24<\/td><td>Implications of Macroeconomic Stabilization Policies on Financial Intermediation<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Implications-of-Macroeconomic-Stabilization-Policies-on-Financial-Intermediation.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"124\" class=\"ninja_table_row_8 nt_row_id_124\">\n            <td>PB\/09\/24<\/td><td> Monetary-Fiscal Policy Interdependence and Pricing Dynamics: Empirical Estimation of Fiscal Dominance in Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Monetary-Fiscal-Policy-Interdependence-and-Pricing-Dynamics-Empirical-Estimation-of-Fiscal-Dominance-in-Kenya.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"131\" class=\"ninja_table_row_9 nt_row_id_131\">\n            <td>PB\/10\/24<\/td><td> Monetary Policy, Bank Lending, and Inflation in the Post-Pandemic Recovery Era: A Case of the East African Community<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Monetary-Policy-Bank-Lending-and-Inflation-in-the-Post-Pandemic-Recovery-Era-A-Case-of-the-East-African-Community.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"132\" class=\"ninja_table_row_10 nt_row_id_132\">\n            <td>PB\/11\/24<\/td><td>The Influence of Climate Related Risk on Interest Rate spread in Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/The-Influence-of-Climate-Related-Risk-on-Interest-Rate-spread-in-Kenya.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-711460943\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-711460943\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-c8123c6 e-con-full e-flex e-con e-child\" data-id=\"c8123c6\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d713362 elementor-widget elementor-widget-shortcode\" data-id=\"d713362\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_1951\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_2\" data-footable_id=\"1951\" data-filter-delay=\"1000\" aria-label=\"Policy Briefs 2023\"            id=\"footable_1951\"\n           data-unique_identifier=\"ninja_table_unique_id_666411697_1951\"\n           class=\" foo-table ninja_footable foo_table_1951 ninja_table_unique_id_666411697_1951 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_policy_brief_no \">POLICY BRIEF No.<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"133\" class=\"ninja_table_row_0 nt_row_id_133\">\n            <td>PB\/01\/23<\/td><td> Focusing on Bank Internal Factors to Attain Risk-Based Credit Pricing in Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Focusing-on-Bank-Internal-Factors-to-Attain-Risk-Based-Credit-Pricing-in-Kenya.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"134\" class=\"ninja_table_row_1 nt_row_id_134\">\n            <td>PB\/02\/23<\/td><td> Promoting a Carbon Tax as the appropriate Carbon Pricing Measure for Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Promoting-a-Carbon-Tax-as-the-appropriate-Carbon-Pricing-Measure-for-Kenya.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"135\" class=\"ninja_table_row_2 nt_row_id_135\">\n            <td>PB\/03\/23<\/td><td> Climate Change and Banking Sector (In)Stability in Kenya: A Vulnerability Assessment<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Climate-Change-and-Banking-Sector-In-Stability-in-Kenya-A-Vulnerability-Assessment.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"136\" class=\"ninja_table_row_3 nt_row_id_136\">\n            <td>PB\/04\/23<\/td><td> Impact of COVID-19 Pandemic on Bank Lending \u2013 A Sectoral Analysis<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Impact-of-COVID-19-Pandemic-on-Bank-Lending-\u2013-A-Sectoral-Analysis.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"137\" class=\"ninja_table_row_4 nt_row_id_137\">\n            <td>PB\/05\/23<\/td><td>Legal & Regulatory Framework for Digital Financial Services in Kenya \u2013 A Case for Urgent Reforms<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Legal-Regulatory-Framework-for-Digital-Financial-Services-in-Kenya-\u2013-A-Case-for-Urgent-Reforms.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"138\" class=\"ninja_table_row_5 nt_row_id_138\">\n            <td>PB\/06\/23<\/td><td> Fintech and Bank Stability in a Small-Open Economy Context: The Case of Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Fintech-and-Bank-Stability-in-a-Small-Open-Economy-Context-The-Case-of-Kenya2.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"139\" class=\"ninja_table_row_6 nt_row_id_139\">\n            <td>PB\/07\/23<\/td><td>Fintech and Bank Stability in a Small-Open Economy Context: The Case of Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Fintech-and-Bank-Stability-in-a-Small-Open-Economy-Context-The-Case-of-Kenya2-1.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"140\" class=\"ninja_table_row_7 nt_row_id_140\">\n            <td>PB\/08\/23<\/td><td>Sustainable Financing, Climate Change Risks and Bank Stability in Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Sustainable-Financing-Climate-Change-Risks-and-Bank-Stability-in-Kenya.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"141\" class=\"ninja_table_row_8 nt_row_id_141\">\n            <td>PB\/09\/23<\/td><td>Financial Technology and Bank Risk-taking: Cooperation or Competition<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Financial-Technology-and-Bank-Risk-taking-Cooperation-or-Competition.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"142\" class=\"ninja_table_row_9 nt_row_id_142\">\n            <td>PB\/10\/23<\/td><td>Digital Financial Services Regulations: Their Evolution and Impact on Financial Inclusion in East Africa<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Digital-Financial-Services-Regulations-Their-Evolution-and-Impact-on-Financial-Inclusion-in-East-Africa.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-711460944\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-711460944\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-b9fc0ec e-con-full e-flex e-con e-child\" data-id=\"b9fc0ec\" data-element_type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9ab885 elementor-widget elementor-widget-shortcode\" data-id=\"b9ab885\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"footable_parent_1963\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent bootstrap4 colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_3\" data-footable_id=\"1963\" data-filter-delay=\"1000\" aria-label=\"Policy Briefs 2022\"            id=\"footable_1963\"\n           data-unique_identifier=\"ninja_table_unique_id_390704450_1963\"\n           class=\" foo-table ninja_footable foo_table_1963 ninja_table_unique_id_390704450_1963 table  nt_type_legacy_table table-striped table-bordered vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_policy_brief_no \">POLICY BRIEF No.<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_document \">DOCUMENT<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_download \">DOWNLOAD<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"148\" class=\"ninja_table_row_0 nt_row_id_148\">\n            <td>PB\/01\/22<\/td><td> Exploring Opportunities to Increase Credit Supply<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Exploring-Opportunities-to-Increase-Credit-Supply.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"149\" class=\"ninja_table_row_1 nt_row_id_149\">\n            <td>PB\/02\/22<\/td><td>Bank Liquidity-Profitability Trade-Offs as an Adjustment to Systemic Shocks<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Bank-Liquidity-Profitability-Trade-Offs-as-an-Adjustment-to-Systemic-Shocks.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"150\" class=\"ninja_table_row_2 nt_row_id_150\">\n            <td>PB\/03\/22<\/td><td> Promoting Financial Stability through Appropriate Bank Capital Measures<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Promoting-Financial-Stability-through-Appropriate-Bank-Capital-Measures.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"151\" class=\"ninja_table_row_3 nt_row_id_151\">\n            <td>PB\/04\/22<\/td><td> Containing Non-Performing Loans During Periods of Macroeconomic Shocks in Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Containing-Non-Performing-Loans-During-Periods-of-Macroeconomic-Shocks-in-Kenya.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"152\" class=\"ninja_table_row_4 nt_row_id_152\">\n            <td>PB\/05\/22<\/td><td>Should Banks Diversify or Focus<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Should-Banks-Diversify-or-Focus.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"153\" class=\"ninja_table_row_5 nt_row_id_153\">\n            <td>PB\/06\/23<\/td><td> Spurring Bank Lending to Support Economic Growth in Kenya<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Spurring-Bank-Lending-to-Support-Economic-Growth-in-Kenya.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"154\" class=\"ninja_table_row_6 nt_row_id_154\">\n            <td>PB\/07\/22<\/td><td> Policy Interventions, Credit Vulnerabilities and Financial (In)Stability in the COVID-19 Era and Beyond<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Policy-Interventions-Credit-Vulnerabilities-and-Financial-InStability-in-the-COVID-19-Era-and-Beyond.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n            <tr data-row_id=\"155\" class=\"ninja_table_row_7 nt_row_id_155\">\n            <td>PB\/08\/22<\/td><td>Asset Quality Assessment in a Dynamic and Uncertain Environment for Optimal Credit Intermediation<\/td><td><a target=\"_blank\"  class=\"nt_btn nt_rounded_btn\" style=\"color: rgba(255, 255, 255, 1);background-color: rgba(247, 143, 30, 1);\" rel=\"\" href=\"http:\/\/kba.co.ke\/site25\/wp-content\/uploads\/2025\/05\/Asset-Quality-Assessment-in-a-Dynamic-and-Uncertain-Environment-for-Optimal-Credit-Intermediation.pdf\">DOWNLOAD<\/a><\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a691d0 e-con-full animated-slow elementor-hidden-mobile e-flex elementor-invisible e-con e-child\" data-id=\"0a691d0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;_ha_eqh_enable&quot;:false,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97f4a06 ha-has-bg-overlay elementor-widget elementor-widget-heading\" data-id=\"97f4a06\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Links<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a60e087 elementor-icon-list--layout-traditional elementor-list-item-link-full_width ha-has-bg-overlay elementor-widget elementor-widget-icon-list\" data-id=\"a60e087\" data-element_type=\"widget\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:153,&quot;sticky_offset_tablet&quot;:30,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/about-research-center\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">About Research Center<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/economic-bulletin\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Economic Bulletin<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/housing-price-index\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Housing Price Index<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/occassional-paper\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Occassional Paper<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li 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href=\"https:\/\/kba.co.ke\/site25\/surveys\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Surveys<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/banking-industry-report\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Banking Industry Report<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/call-for-papers\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Call For Papers<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/conference-bulletin\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Conference Bulletin<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/kba.co.ke\/site25\/conference-programme\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"hm hm-finger-touch\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Conference Programme<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>One Industry . Transforming Kenya Policy Briefs This volume of the KBA Policy Briefs, the first in the series, highlights policy insights generated from eight KBA Working Papers presented during the 10th Annual Kenya Bankers Association Banking Research Conference held in September 2021 under the theme\u00a0\u201cBanking Beyond COVID-19: Risk- Assessment, Balance Sheet adjustments and Exploring [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-70","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/pages\/70","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/comments?post=70"}],"version-history":[{"count":19,"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/pages\/70\/revisions"}],"predecessor-version":[{"id":1966,"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/pages\/70\/revisions\/1966"}],"wp:attachment":[{"href":"https:\/\/www.kba.co.ke\/site25\/wp-json\/wp\/v2\/media?parent=70"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}