a) A financial institution is a financial intermediary (FI'S) that facilitates the transfer of funds between suppliers and users of funds. Briefly explain the benefits that FI's provide to the suppliers of funds (6 marks) b) Identify at least three types of risks incurred by financial institutions and using illustrations, explain the extent to which the risks affect the operations of financial institutions in Kenya. (9 marks) c) In the recent past, Kenya has witnessed growth in both the number and the scope of financial institutions. Explain the causes of this trend. (10 marks) d) Identify four reasons that have led to the increase in loan sales in Kenya. How are Kenyan banks managing any risks arising from the growth in sales? (5 marks)