health of our citizentry and businesses. allow me therefore to highlight three broad areas that we can reflect on as we launch this campaign. first, is customer centricity. i am pleased with the participation of a diverse set of financial sector players including banks, insurance companies, microfinance banks, mortgage refinance companies and payment service providers. it is imperative that the products and services we provide cater for the needs of customers. in particular, they should cater for their day - to - day needs, enable them to cope with shocks and provide them with the ability to invest in future goals. these will entail financial products and services ranging from transaction and savings accounts, micro - credit, micro - insurance 2 / 3 bis - central bankers'speeches to micro - pensions. my challenge therefore is to financial institutions to truly reflect on whether their products and services meet the financial health needs particularly of kenyans at the bottom of the pyramid. second is confidence by customers in financial services. there continues to be a high number of complaints from consumers on the high cost of financial services, unsatisfactory customer services, poor customer experience and lack of transparency and disclosure. this coupled with the growing fraud incidences with increased digitalization are eroding confidence in the financial sector. it is imperative that financial service providers rationalize their costs, enhance customer service and experience and scale up transparency and dislosure of their terms and conditions. additionally, raising awareness amongst customers on emerging forms of fraud including social engineering and identity theft is imperative. third is sustainability of initiatives such as the one we are launching this morning. often times, campaigns such as this last for a given duration of time, and thereafter become dormant. subsequently, the impact of such measures is not discernible in the medium to long term. i am pleased to note that today we have stakeholders from the financial services sector, consumer organizations and persons with disabilities. i trust that the partnerships forged today will lead to a more sustainable partnership beyond the one month duration of the campaign. the central bank would be keen to engage with the stakeholders here today on how we can create a sustainable framework to co - ordinate financial literacy efforts on an ongoing basis. as i draw to a close, let me reiterate that this campaign is an important plank in kenya's quest to build on the financial health of its citizentry. let us build on this to move forward the financial inclusion frontier as a pathway to shared prosperity for all kenyans.

ardian fullani : recent economic and monetary developments in albania speech by mr ardian fullani, governor of the bank of albania, at the press conference on the monetary policy decision of the bank of albania supervisory council, tirana, 31 august 2011. * * * today, on 31 august 2011, the supervisory council of the bank of albania reviewed and approved the monthly monetary policy report. based on the analysis of albania ’ s latest economic and financial developments and following discussions on their performance outlook, the supervisory council of the bank of albania decided to leave the key interest rate unchanged at 5. 25 %. the supervisory council holds that the actual monetary conditions are appropriate for meeting the inflation target and for continuing to stimulate the economic activity. let me now proceed with an overview of actual and expected economic developments and main issues discussed at today ’ s meeting of the supervisory council. annual inflation in july was 3. 6 %, following the downward trend noted in the second quarter of the year. consumer price performance continues to be under the pressure of rising prices in global markets, although lower than in previous months. annual inflation was primarily formed by the contribution of processed food prices, most of which are imported. decline of the annual inflation rate reflects the downward contribution of unprocessed foods as a result of increased supply of domestic agricultural products, a seasonal development, which in july 2011 appeared to be stronger than a year earlier. on the other hand, regulatedprice goods and non - food goods had a low and downward contribution to this month ’ s inflation. in line with bank of albania ’ s expectation, controlled inflationary pressures by the domestic economy, as well as anchored inflation expectations created a favourable environment for a rapid reduction of imported inflation effects. consumer prices during 2011 were mainly affected by supply shocks, materialised in higher prices of imported goods and some products subject to excise, or with regulated prices. these effects appeared to be more moderate in july ; in the absence of sudden shocks, they are expected to decrease further in the months ahead. below - potential economic growth continued to generate controlled inflationary pressures on the demand side. hence, core inflation stopped increasing and is set around the bank of albania ’ s target of 3 %. moreover, stabilisation of inflation expectations of economic agents and the prudent policy of the bank of albania regarding their anchoring are reflected in moderated second - round effects on inflation. ( following, i will describe in more detail economic highlights defining the inflation performance and their expected