All these issues are  important to promote patronage of banking services, access to correspondent banking and external customers for businesses. Lastly, Distinguished Guests, as I have previously indicated in other fora, the Bank and public policy generally acknowledge that participation in the formal  nancial sector by a greater number of businesses and  individuals enhances the potency of macroeconomic policies.
Third, there is a possibility that volatility in crude oil and other commodity prices may fluctuate, mainly reflecting geopolitical risks and weather conditions. Fluctuations in foreign exchange rates could also affect consumer prices, both directly through changes in import prices and indirectly through changes in economic activity.