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Dr. Hazel Gachunga and Prof. Alfred Osiemo
School of Human Resource Development, Jomo Kenyatta University of Agriculture and Technology, Nairobi Kenya
Fredrick Olanga Wafula
Corresponding Author



The Kenyan banking sector which was heavily regulated, has been moving toward a more open and a less regulated market system. Financial deregulation was expected to allow for positive reduction in the interest rates and for stimulation and mobilization efficiency of the domestic financial resources for financially repressed economy. This study therefore sought to establish the effect of financial deregulation on performance of banks listed at Nairobi Security Exchange (2000 – 2011).The study used a descriptive research design and the population comprised of banks listed at Nairobi Security Exchange. There are 10 banks listed at NSE, therefore the target population of this study was 380 respondents. The sample size was therefore 50% of the target population which was 190 respondents. The study established that, cannibalism relates to competition negatively while there is a positive relationship between customer relationship, interest rates and the banks’ performance. This study established that deregulation led to competition which in turn affected performance of banks. This study recommends that banks should increases branches to increase their market segment and enhance products and market segmentation. Banks should discontinue old products after introducing new products that have the same but improved features than old products. The study also established that high interest rates hinder customers from borrowing loans. The study therefore recommends that banks and policy makers should come up with strategies that will lower interest rates to enable many customers borrow thus enhancing economic growth.

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