personal financial in your hands ” for high school students has been, for seven years, another example of successful cooperation. i would like to thank the albanian association of banks for its valuable support through commercial banks to enhance financial education and add channels and related activities in this regard. in conclusion, let me once again take this opportunity to invite the participating institutions to further expand our collaboration on this pleasant and challenging issue, and an important one for the next generations. 1 / 1 bis central bankers'speeches

of other sectors in its year 2000 preparations, uncertainties will remain with regard to the readiness of systems both internal and external to all organizations. it is the responsibility of every individual private sector firm to resolve its year 2000 problems. public sector policymakers and regulators have an important role to play in fostering appropriate actions by market participants and working to achieve the proper coordination between the various authorities involved, within the financial sector as well as at the national level. during these past eight months, we have identified four critical themes common to successful year 2000 programs in both the private and public sectors. first, while much productive work has been carried out around the world to adapt systems that need to be remediated, we need to avoid complacency and continue to maintain a high degree of attention at the most senior level. senior management and the boards of directors in the private sector must continue to allocate sufficient human and financial resources. senior executives should be fully aware of their firm ’ s dependence on third - party vendors, service providers, customers, counterparties, and public infrastructures and also of the subsequent risks these dependencies pose. the public sector should encourage financial market participants to continue to devote the maximum senior management attention and priority to this critical issue. second, enhanced information sharing is critical to readiness efforts and to avoid unnecessary uncertainty in financial markets. in many countries, there is currently a lack of adequate information on year 2000 readiness. this is of concern because it impedes efficient preparations by market participants and may exacerbate negative perceptions in the marketplace. financial institutions should share information in order to strengthen confidence that the year 2000 challenges are being met in all financial sectors worldwide. in some countries, regulators have mandated public disclosure, such as requiring regular report filings that are made public. regulators can also play a constructive role in making sure that the year 2000 information that they disseminate to the public is factually accurate, balanced and broadly disseminated. third, comprehensive contingency strategies should be developed in order to minimize disruptions. it is important that individual firms review their current business continuity plans and evaluate them in light of possible problems arising from the year 2000 transition. regulators should develop and implement appropriate contingency plans in order to prepare for possible disturbances relating to the millennium transition. the council plans to publish in the near future policy papers on contingency planning for individual financial institutions and for individual regulators. government agencies should encourage telecommunication, utility, and other infrastructure service providers to share