This paper investigates the effect of changing market structure and macroeconomic shocks on the borrowing and lending risk exposure of Kenyan commercial banks using a GMM estimation approach. Borrowing risk exposure was found not to be persistent. being mainly affected by the degree of concentration and external economic shocks. Interestingly. https://www.getpureroutine.com/hot-save-color-touch-77-45-cheap-limited-grab/