the country is needed. make the market more lively, more competitive and more innovative. now the financial infrastructure is complete and it is up to you to use it more efficiently. it is the time to try to seek other balances in terms of foreign currency flows into the economy. remittances have been important for a long time. they were the largest foreign currency serum in the economy. however, we should be aware that other indicators, such as exports and foreign direct investments will be prior items in the total foreign currency flows in the future. this should be realised by everyone and based on this ground, let us work together for the future. dear participants, international initiatives are in the process. the berlin meeting was extremely important in this regard. there was broadly discussed and converged into the idea that there is room for more coordinated actions, and protectionism is not the answer to the crisis. the london meeting will make new steps in this regard. promoting investments for a cleverer future, setting new models for a new world, more structured and with renovated industry, will be in its focus. the crisis will have its own winners. winners will be those that will develop new policies, products, services and markets of a non - cyclic nature.

management. businesses should understand that the optimal regime of their activity requires new elements. current developments of the world economy make necessary the increase of prudence for managing the financial asset portfolio, overall risk and exchange rate risk in particular, as well as for identifying alternative financial methods and instruments. businesses should invest in increasing analysing and forecasting capacities. they should build their development scenarios, including even the envisage of their possible financial losses from non - operation. they should also employ capable human resources, specialised, educated, that is professional ones, in order to ensure an efficient activity. to this end, i invite you to cooperate more with the banking system, to stand by banks, but also by the bank of albania and be open with them. make use of this communication for constructing preferential cooperation. this path will create to you the opportunity to find and promote appropriate financing instruments and possibilities to overcome difficulties of the moment and guarantee the future of this important branch of business. foreign currency income growth from all possible sources is translated into increase of macroeconomic stability in general and of financial stability in particular for the albanian economy. at present, the geographic, demographic, economic and social characteristics of the albanian economy present advantages, which if wisely utilized, may be materialised into economic benefits. therefore, export sector constitutes an important source of profit and of foreign currency flows for financial intermediation in foreign currency. from this viewpoint, the support of exporters by the financial sector, not only with products and financial resources but also with financial consultancy, is an activity of mutual benefit. for this reason, i deem that the role of the banking system may be one of the main promoters to absorb some of advantages generated by the current international situation. availing myself of the presence of banking system participants, i would like to address an institutional appeal to them : assess more prudentially the role and potentials of this industry, stand by it with advice and financial consultancy, review your policies on commissions applied to it and in this process, give priority to a larger funding for it. recent crisis indicated that we all sail in the same waters and we may resist the waves, only if we confront these challenges together. export is a generator of foreign currency flows needed so much for the currency stability, which is related to all other balances, financial system ’ s stability also included. under these conditions, we should be aware that a joint action, of national importance, deeply patriotic for the values and future of