on medical and health insurance and takaful and perlindungan tenang microinsurance and microtakaful. these efforts are pursued in tandem with broader reforms being pursued by the government to improve malaysia's healthcare system, including healthcare financing. ladies and gentlemen, as we intensify efforts to advance the insurance and takaful sector, a key component is all - round, holistic professionalism – a workforce that is not only technically proficient, but also fully committed and uncompromising on ethical standards and professional excellence. this ensures that the industry's efforts are met with confidence and collaboration, with full trust by customers, paving the way for sustainable growth. the recently launched financial sector future skills framework, or fsf, is a step in the right direction. as a single point of reference on future skills and career pathways, the industry can now leverage on the fsf to better anticipate the reskilling and upskilling needs of all levels of staff, including agents and agency leaders. by doing so, we empower our people to adapt to roles that are continuously evolving. i would like to commend the exemplary leadership demonstrated by aii which proactively aligned its modules with the fsf framework. we appreciate the continuous commitment to futureproof and shape the insurance industry by nurturing a workforce that is well - prepared for the challenges of the future. our hope is that aii programmes will continue to consistently meet the highest standards of integrity, professionalism, and ethics, to reinforce our collective dedication to excellence. at the same time, we encourage the industry to provide full support in leveraging on aii's offerings to reinforce the level of professionalism and trust within the insurance and takaful sector. i am confident that, in time, aii will fully live up to its name, offering training programmes and qualification that are widely adopted and well regarded across the whole of asia. 4 / 5 bis - central bankers'speeches ladies and gentlemen, in closing, i would like to see the insurance and takaful sector remain relevant, thrive, and continue to play a pivotal role in contributing to the nation's broader economic and social development in the years ahead. such vision cannot be achieved in silo and will require a whole of nation approach. i also wish to reaffirm the bank's steadfast commitment to driving essential reforms within this sector. by working together, we can transform our aspirations for a more competitive, efficient,

for the good audience. 19. to conclude let me state clearly that the potential to expand our economies through structural reforms and initiatives should form the cornerstone of all policies. ghana ’ s economy is going through a structural transformation and these initiated policies are supporting the move in that direction. as a continent, policies should be focussed on how to develop a vibrant capital market to support growth, how to benchmark our internal regulation against global standards to help improve standards, overcoming regional integration challenges to support growth, and leveraging on new technology and data sharing to improve efficiency and innovation. let us ponder critically over these issues as we go through our deliberations. 20. i look forward to fruitful engagements and that the key takeaways will help inform policies going forward. thank you