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Bank of Baroda (Kenya) Limited is regulated by the Central Bank of Kenya
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Dr. Winifred Nyambura Karugu, Independent Non-Executive Director

She has joined our Board as Director (Independent Non-Executive) on 03rd June 2016. She has done her Masters in Agricultural Economics from Oklahoma State University. She also holds PHD in economics from Jomo Kenyatta University of Agriculture and Technology (JKUAT)

Born in 1957, she has wide work experience in the areas of teaching as well as industry experience. She is at present the managing director of JKUAT Enterprises Ltd. She is also a member of academy of management.

She has to her credit various publications, journal papers and research activities on various facets such as innovative SME, SME growth and inclusive business models, agricultural commodity exchange, to name a few. She is also engaged in many consultancy activities including Business Process Modeling, ICT System Audit, HRM etc.