An efficient and effective payment and settlement infrastructure. 4. An empowering and sustainable financial inclusion program that includes relevant financial access, wide-reaching financial education and strong financial consumer protection. 5. Thought leadership in the regional and international fora; and  6. Operational efficiency and effectiveness. Ladies and gentlemen. The environment we operate in is not static; it is dynamic.
Among others, we are faced with the unwinding of easy monetary policy in advanced economies, which if it becomes disorderly could have serious spillover effects on our economy. At the same time, the threat of unbridled market exuberance could create imbalances in asset markets that could adversely impact the banking system’s ability to effectively intermediate funds.