Central bank challenges: banks must mobilise savings, deepen markets, bolster risk management, and expand meaningful financial inclusion. The central bank identifies ten systemic challenges-revival of growth, inflation control, external vulnerabilities, market deepening, banking system robustness, financial integrity, efficient government banking, less-cash transition, customer service, and quality financial inclusion-and prescribes roles for banks: mobilise domestic savings, expand credit across agriculture, MSME, housing and infrastructure, finance supply-chain improvements, deepen government and corporate debt markets, strengthen capital, asset-quality and risk management, enforce KYC/AML and ethical incentives, adopt e-government platforms and electronic payments, and enhance BC models to ensure operative accounts and small-credit access.