The reason why loans get declined

There is a perception that sometimes loans get approved at branch level and then get declined when they are forwarded to the Head Office. Our Head of Retail and Business Banking Credit, Ndwiga Kamwangi, explains how the loan approval process is carried out.

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"It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning"
Henry Ford.