The Kenya banking system is supervised by the Central Bank of Kenya. As of late July 2004, the system consisted of 43 commercial banks (down from 48 in 2001), several non-bank financial institutions, including mortgage companies, four savings and loan associations, and many foreign-exchange bureaus. Two of the four largest banks, the Kenya Commercial Bank and the National Bank of Kenya, are partially government-owned, and the others, Barclays Bank and Standard Chartered, are majority foreign-owned.