Total assets in kenya's banking sector grew by 27 percent from 1.325 billion shillings in 2009 to 1.678 billion shillings in 2010 with profit before tax for the sector recording a 61 percent climb or 77billion shillings. Analysts at  rsm ashvir consultants however note significant investment is risk free government securities at the expense of onlending to the public and want the government to cut rates in its securities to spur lending to the borrowing public.