needs of their customers. this applies to all segments of their customers of whom the disabled are an important component. banks must therefore clearly understand the needs of the disabled as they design products and services for them. more importantly is how the disabled access these products and services. advances in technology and innovations present us with opportunities to ensure convenient ‘ anytime anywhere ’ services on digital platforms. however, physical channels still remain important and every effort must be made to make brick - and - mortar facilities accessible by the disabled. the second pillar is ethical banking, which is about doing the right thing. this is encapsulated in the shift towards sustainability aptly captured in the 3ps acronym, people, purpose and planet. the kenyan banking sector to its merit established the sustainable finance initiative in 2015. some of our banks have signed up to global sustainability initiatives most notably, the un principles for responsible banking unveiled on the margins of the un general assembly in september 2019. as the kenyan banking sector walks the 3ps path, it must carry along the disabled, an integral part of our society. on our part as the central bank, we are also working through our mandate to the kenyan populace to ensure that the disabled are not left behind. most notably, the new generation notes issued in june 2019 incorporated features to enable ease of use by the visually impaired. these include use of large prints, tactile bands to identify the denomination and size differentiation of the various denominations of the notes. these features were incorporated based on feedback from the visually impaired. while these are significant milestones, we are still on a journey listening to all kenyans to ensure they are able to use the notes and coins we issue. as i draw to a close, today ’ s event should be the beginning of a journey for kenya ’ s banking sector in walking more closely with the disabled. i am sure that this will not just be another webinar, but we shall all be challenged to take action and make a difference to society. we cannot prosper as a society if any of us is left behind. i therefore challenge the kenyan banking sector to walk the talk and truly serve our disabled compatriots. let us be challenged to design suitable products and services for them and ensure our premises and physical channels are easily accessible to them. at this time next year, we should celebrate today as the beginning of a year of tremendous progress in incorporating the disabled in the kenyan banking sector. i wish you fruitful deliberations and look forward to

positive return on assets. unit trusts go hand - in - hand with other traditional products they have in stock. unit trusts provide a sure avenue for investor diversification. perhaps this is good to solve the supply side constraints of investment and also in small and manageable units. as approved / licensed investment firms, unit trusts can facilitate / foster efficient liquidity management during an ipo since they have the privilege of depositing funds ( settling / paying for shares ) after allocations have been announced. this means that investors ’ money will be held in the bank accounts of unit trusts and not concentrated with the receiving banks. the entry of sib in this line with the efficiency they promise is great indeed. with these few remarks, ladies and gentlemen, it is my humble duty to officially declare suntra investment bank unit trusts launched. thank you for your kind attention.