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.
This series now enjoy a fairly high reputation. Ladies and Gentlemen, as my time is almost over, let me take the opportunity to thank Philipp Hartmann from the ECB and Klaus Düllmann from the Bundesbank who have assumed the burden of being main organisers of this conference.