This enables to gain broader knowledge about our operations (what are the main goals and tasks of the central bank, what are the instrument we use for their realization and the challenges for achieving and preserving the macroeconomic stability). Through our publications and interactive games in the field of finance, we try to attract the interest of the youngest generations to get acquainted with terms such as saving, investment, inflation, etc., while through the rich collection of coins in our Numismatic Museum, to get acquainted with the history of our money. In the future we will continue to enrich the spectrum of activities in the field of financial education, by including the elderly population, as well. Within these frameworks, we are particularly pleased with the exceptions engagement of the banks in the field of financial education of the youth in the country, as a relatively new area of activity and one of the recent challenges in the financial area. More active involvement of banks in this area verifies their increased social responsibility, which should be certainly welcomed. In this context, on December 17 2018 we signed a Memorandum of Understanding with the Macedonian Banking Association (MBA), covering wider scope in the field of financial education and financial inclusion. Within this cooperation (besides the organization of the Money Quiz), we plan joint activities in coordination with banks, which should provide better information to the population and greater availability of banking services, which would enable larger inclusion of the population and use of the advantages banking services provide.

At the same time, we plan activities that should increase the awareness of the population about possible risks in the banking services domain as a very important aspect for the bank clients. We especially welcome the initiative for organizing the European Money Quiz for the youth of our country, which will be organized for the first time this year, hoping that it will become a traditional one. This way, we believe we will encourage greater commitment among young people on financial issues, and consequently, it will contribute to raise the level of their financial literacy. In 1/2  BIS central bankers' speeches  this context, I would like to emphasize that the National Bank supports the process of preparing students by supplying them with various educational materials, by holding today’s training for the teaching staff, and later by organizing special preparatory activities for the national winners. It is of great importance that the European Money Quiz, an initiative of the European Banking Federation, unites us all, the financial regulators and the banks, MES and the educational institutions in the country, in order to attain a very important goal, that is improvement of the skills of the youngest in the area of finance, which contributes to improving their knowledge and ability to face future working and life challenges. At the end, it certainly contributes towards having educated and capable youth, with wide knowledge in the contemporary era, ready to grow into a capable work force, a driver of the economy in the coming years.