"The objective of the review was to provide a comprehensive overview of the current financial sector environment. To achieve this, an evaluation of the financial sector was undertaken. The evaluation centred around market access policies, particularly issues related to entry, ownership and regulatory measures. A further review of the sectors' performance as measured by prices, quality indicators and accessibility to the poor was conducted. Chapter 2 briefly touches on the outline of the template of analysis used for each of the sub sectors. Chapters 3 to 5 discuss the responses given by the regulators and operators to the World Bank Template in the banking, securities and insurance sub sectors. Chapter 6 provides the conclusion."