At yesterdays experts' seminar on the impact and opportunities of the global financial crisis on the Kenyan economy the Central Bank Governor, Prof Njuguna Ndung'u stated that "it is upto the banks to decide how much capital they require". The feeling was that, as Equity Bank, Kenya Commercial Bank, Diamond Trust and Fina Bank are all expanding branches, they must have adequate capital.br /br /Overall, the seminar felt that the direct impact of the financial crisis on Kenya would be volatility in the exchange rate, lower exports (horticulture).