*  *  *  It is a pleasure to be here this morning and to address you at the Opening Plenary of the SWIFT Africa Regional Conference. Let me add my own words of welcome to the foreign delegates, especially those visiting our country for the first time.
3 For a discussion of bank credit availability, see the box "Recent Developments in  Bank Lending Conditions" in the latest Monetary Policy Report. 3/3  BIS - Central bankers' speeches