You have not talked about the fraud allegations around acquisition of shares by senior employees during the initial IPO. And secondly, why he doesn't quit and trust others to occupy the C suite. And lastly, what will happen when he will eventually exit the scene as he shall surely will either naturally or voluntary?

This in my opinion is the grand theft of the wanjikus bank - he is basically intimidating the numerous, illiterate representatives if Saccos who purport to sit in the board.