the mosaic floors that decorated this building. in addition, part of the exhibition are also the unique fresco - details that adorned the baptistery, which is located next to the basilica. the exclusively crafted marble container also belongs to the baptistery, as part of its internal decoration, which, on its part, includes the famous mosaics with depictions of peacocks. those were the peacocks that the artist biljana unkovska used when designing the layout of the modern macedonian banknotes of ten denars. speaking of the ancient town of stobi, besides the fact that it is really a constant inspiration for artistic creation, in the past it was a center with emphasized monetary production that took place more than 18 centuries ago. this exhibition is even more significant because of the generous support of the us embassy in the republic of macedonia, which throughout the past years has enabled professional protection of these invaluable paintings, thanks to which they can now be publicly exhibited. the national bank is honored by the given trust to host this exhibition, which i hope that over the next month will be an intriguing cultural event for the general public. i also hope that with bis central bankers ’ speeches the support of the ministry of culture and of the other institutions of culture in macedonia, also in the future we will have an opportunity to enrich the public life and the creative social pulse of the country ’ s cultural life. expressing my sincere gratitude to the ministry of culture of the republic of macedonia, the national institution stobi and the embassy of the united states in the republic of macedonia, i invite his excellency, the ambassador of the united states, paul wohlers and the minister of culture of the republic of macedonia, elizabeta kancheska - milevska to take the floor. bis central bankers ’ speeches

ba ko es f gh a na n t. 1 9 5 7 launch of the cyber security directive for financial institutions a safer digital financial industry speech by dr. maxwell opoku - afari, first deputy governor, bank of ghana bank of ghana head office, accra october 22, 2018 honorable minister of communications, mrs. ursula owusu - ekuful, second deputy governor, bank of ghana, members of the board, bank of ghana, heads of banks, members of the ghana association of bankers, members of the ghana association of savings and loans, members of the ghana association of microfinance institutions, members of the chartered institute of bankers, staff of bank of ghana, distinguished members of the press, ladies and gentlemen, all protocols observed. 1. good afternoon ladies and gentlemen. it is a pleasure to welcome all of you to the bank of ghana and i deem it a great honour for having such august audience joining us for this special occasion. as we are all aware, today marks another significant milestone in the history of ghana ’ s financial sector as we launch the cyber security directives for financial institutions. 2. after careful consideration on issues regarding cyber security and its implications on financial intermediation, the bank chose the theme “ a safer digital financial industry ” to launch the cyber security directives for two main reasons. first, we envisage that this theme will shape the strategic direction in terms of cyber security of the banking industry and to the larger extent, the entire financial sector. and secondly, it signals the collective efforts of stakeholders to address the canker of cyber threat and all other actions that exploit vulnerabilities of the financial systems and processes. 3. currently, technology is intertwined with our everyday lives. it is re - defining business interconnectedness processes, between promoting countries and greater peoples, enhancing skill development and innovation, and more broadly, breaking down perceived barriers in every sector. in the banking sector, for instance, technology has taken a center stage in the financial intermediation process. recently, key developments within the intermediation process include the growing importance of fintechs in delivering financial services as well as the introduction of electronic payment platforms to enhance interoperability. in effect, the continuous role played by technology has had considerable impact on the operations of financial institutions and ultimately driven policies aimed at promoting financial inclusiveness for growth and poverty reduction. 4. in all of these developments, financial services remains critical and the bank of ghana has