We are now in a position to study which factors determine the debt holdings of euro area households, how is this debt distributed among them, what type of debt do households make use of and what is the effect of these holdings on spending. It is also important to study the portfolio of assets that households are holding.
I would also like to mention that, through the Uganda Bankers Association, the commercial banks have put in place financial literacy campaigns aimed at educating the public about financial services. These campaigns augment the BOU’s financial inclusion efforts. BIS central bankers’ speeches  1  On the regulatory front, Your Excellency assented to the Anti-Money Laundering Act last year.