The coming of institutions such as MEFMI, with the noble approach of empowering its member states officials and reducing use of external experts. This aspect has become a route towards sustainable and self-generating capacity for MEFMI. Ladies and Gentlemen: Allow me to acknowledge both the financial and technical support received from our partners that have rendered the MEFMI capacity building efforts effective in general.
* Excluding the exchange rate effect. ** Excluding the effect of NPL w rite-off and sale since early 2016. 2019  5  50 0  2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019* Other sectors Household sector Corporate sector Source: NBS. NPL share in total loans (RHS) * September 2019.