TAILIEUCHUNG - INFOTRAK HARRIS POLL IN PARTNERSHIP WITH COFEK ON BANK INTEREST RATES

The willingness of banks to make such forward commitments to lend to nonbank firms and households depends very much on the wholesale interbank market. If the wholesale interbank market works smoothly without counter party risk at positive interest rates, then even currently illiquid banks can make forward loan commitments to their retail customers. If such a bank happens to be still illiquid when a corporate customer suddenly draws down its credit line, the bank can cover its retail commitment by bidding for funds in the wholesale market. | INFOTRAK HARRIS POLL IN PARTNERSHIP WITH COFEK ON BANK INTEREST RATES Background Ainfofrak Research Consulting Despite clear signals from the Central Bank of Kenya on the direction interest rates ought to take in the market commercial banks have been slow to respond. Weeks after the monetary policy committee cut its base lending rate from 18 to only few banks have announced a reduction in interest rates. This could be a concern for many borrowers who have had to struggle with a high interest environment Furthermore the Interest Rate Spread in Kenya s commercial banks may remain wide unless banks manage to increase their customer deposits. Interest rate spread can simply be defined as the interest charged by banks on loans to customers minus the interest that banks pay on savings deposits. Analysts have alluded to the fact that despite many Kenyans urging banks to increase the interest customers gain on deposits current deposit levels are still too low to fund the deposit .

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• Bragg Grating Sensors
• institutional ownership
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