@Museveni;What am saying is that HFCK has been ceding ground to competitors over the past few years and more competition is still coming;its the reason Equity wanted a buyout so that they could make major decisions that will benefit HFCK and shareholders as well same way as they did with the bank.
If banks perceived to be small like Bank of Baroda,Imperial,Chase Bank,Family Bank have already overtaken HFCK in terms of profitability;then there is something that needs to be done to improve returns on shareholder equity.
From a shareholders view the returns are not quite fast and from a customer point of view it means the competitors are offering better service.