I look forward to welcoming you to Seychelles in 2023 for us to take stock of what we have been able to achieve and set the course for the next chapter of our journey to further advance the financial inclusion agenda. Thank You! And as we say in Tanzania – Asante! 3/3  BIS - Central bankers' speeches
For example, a shift in the economic outlook can affect both the willingness of banks to lend and the desire and ability of firms and households to borrow. Recent research at the Federal Reserve examines cyclical changes in banks’ lending standards as reported in the SLOOS – a commonly used indicator of loan supply.