You have recently witnessed some decisions taken by the CBK in relation to financial institutions that have jeopardized the stability of the financial sector in Kosovo and have not complied with legal requirements. This speaks for the Central Bank's determination to exercise its constitutional mandate and to be governed by the best corporate governance rules and standards.
First, financial exclusion has fallen since 2007 from 51% and it now stands at 31%. This progress is a result of the effectiveness of Government policy and concerted efforts by the financial services industry to bring services to the doorsteps of the previously unsaved and underserved people. 5.