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{
"id": 277232,
"url": "https://info.mzalendo.com/api/v0.1/hansard/entries/277232/?format=api",
"text_counter": 1068,
"type": "speech",
"speaker_name": "Mr. Otieno",
"speaker_title": "The Minister of State for Public Service",
"speaker": null,
"content": " Mr. Temporary Deputy Chairman, Sir, I will be very brief. Let us understand what the core capital is meant to serve. In banking, you are taking other people’s money which you then lend to other people and make a profit from the margin. The core capital is what is intended to get you your fixed assets; the banking premises, some of your staff, and the computer technology that you will be using. As we are talking now, the banking software alone for you to be in the clearing house will cost a minimum of Kshs200 million. Even if you are a one-branch bank, opening a one-branch bank alone may cost you more than Kshs40 million. So, if establishing a bank is going to cost you Kshs300 million before you hire the higher"
}