ahmet ismaili : cybersecurity in the banking industry speech by mr ahmet ismaili, governor of the central bank of the republic of kosovo, at the conference " cybersecurity in the banking industry ", co - organised by the kosovo banking association and the albanian association of banks, pristina, 25 october 2023. * * * dear mr balija, chief executive officer of the kosovo banking association dear mr brumbulli, secretary general of the albanian association of banks dear mr bakkal, chairman of the board of directors of the kosovo banking association dear, mrs hoxha, senior investment officer at finance in motion ( efse ) dear members of bank associations dear board members dear panellists and attendees i am pleased to greet and welcome you all to the " cybersecurity in the banking industry " conference, co - organized by the kosovo banking association and the albanian association of banks. the very fact that we have co - organization shows the excellent cooperation between the banking sectors of our two countries, but also the approach to the common challenge, which knows no borders. therefore, my participation here today also aims to convey such a message of coordination and joint efforts to address these risks, as one of the most complex challenges of the time for the financial industry and beyond. we are witnessing the time that the financial system is changing quite quickly and is being transformed. digitization on the one hand has influenced the improvement of access to services as well as their quality, which means that in the field of payments, services are being carried out continuously and are available worldwide. but, on the other hand, the main risks related to the introduction of information technology that enables banking and financial services have increased and constitute a threat to be handled with care. they include strategic and reputational risk, operational risk, cyber risk and compliance risk. the cyber threat continues to evolve and become more complex amid continued digitization, increased third - party dependencies, and geopolitical tensions. the rapid pace of technological advancement imposes the need for continuous monitoring of emerging trends and their possible impacts on the operations of financial institutions. 1 / 3 bis - central bankers'speeches therefore, strengthening cyber security in the financial sector is a priority for financial stability, and not only that. its influence extends to national security. the republic of kosovo, through the national security strategy, has determined the responsibilities and duties of the institutions for cyber security and critical infrastructure, from the coordination of legal and strategic

caleb m fundanga : bank of zambia retirees talking notes by dr caleb m fundanga, governor of the bank of zambia, at the luncheon in honour of bank of zambia retirees, bank of zambia, lusaka, 12 december 2006. * * * • deputy governor – administration • directors • ladies and gentlemen • retirees and potential retirees in our midst some people say “ retirement is wonderful ; it is described by many as doing nothing without worrying about getting caught at it ”. that is to say, you now become accountable to yourself for your actions! retirement marks an important milestone in one ’ s life, it is so important that in many cases you have to consult, and reflect extensively before you take that very important decision. it is a day one should not only anticipate during ones working life, but also plan for. retirement can occur voluntarily as the case is with vess, by attaining the age of 55 as provided by statute or prematurely due to a misfortune such as failing health. in all circumstances one must plan for the event. ladies and gentlemen, it is for this reason that the bank has found it befitting to host a luncheon in your honor, by recognizing all the hard work that you have put in the bank in the many years of service. admittedly, relationships between the bank and ex - members of staff have in certain cases not been so good. looking ahead, i wish to take this opportunity to state that despite the bad experiences in the past, the bank continues to extend an arm of friendship that aims to foster better relationships between the exemployees and the bank. we shall continue to regard you as members of the bank ’ s extended family. as retirees, we consider most of you as persons with vast experience and expertise coupled with a huge reservoir of institutional knowledge, which if natured well, can be a great source of information for future generations. the bank will endeavour to invite you to various functions as retirees whenever opportunities arise, especially when we organize historical events. we consider you as an important part of the bank ’ s history. ladies and gentlemen, there are many ways of leaving employment including dismissal, discharge, resignation or even death. in my view, retirement is the most admirable of them all. it is the ripe way of leaving formal employment, and therefore, a goal that every employee strives for. i congratulate you for achieving this. retirement should not be viewed as an