Family bank is a no no and Munyiri might drive it down if he continues with his current trend:
1. He's brought a large corporate client large bank mentality with him. They've kind of basically centralized most of their services. Try getting a cash covered bank guarantee and you'll realize how its deeply frustrating!
2. Targets that the new guys have been given are crazy & as of now they've even began refinancing arrears & deliquent loan accounts from other banks in the name of growing the loan book!
Munyiri was not yet ripe for this kind of a position in a mid tier bank, says alot on why KCB did what it did!

If I was in his shoes I would start with issuing more shares. By so doing you get cash from 'us' non-shareholders. Rights issue cannot work since those already with shares have no idle cash to put-in. Most are waiting for IPO to unlock their wealth.

a good sign.

while at mumias he ensured labourers who harvest sugarcane are paid through family bank and given loans by the same bank.

nooo. jamaneni, at this rate no one can pass chapter6. frankly speaking jamani, argue your case. i fail to connect.