29.
Underlying the regulatory agenda for 2019 is an approach that  ensures that : ● Shareholders of banks and specialised deposit-taking financial  institutions  exercise  control  over  these  institutions not for the benefit of shareholders and related and connected parties, but primarily in the interest of depositors, creditors, employees, and other stakeholders; ● Boards are composed of persons that are capable of exercising the strong and independent oversight they are expected to ensure that the interests of all relevant stakeholders are protected; ● Risk management is integrated in the strategic focus of governance and management of these institutions;  Page | 15  ● Compliance with regulatory requirements and ethical standards are embedded in overall risk management; ● Our supervisory systems, processes, and teams are better able to identify early warning signs, enforce regulatory requirements and ensure that prompt corrective action is taken by banks to recover quickly from any signs of distress.