##2 was 66. 4 million euros with an annual increase of 8. 7 percent. the gross premiums written by insurance companies until september 2022 marked the value of 98. 2 million euros or an annual increase of 13. 0 percent, while the gross paid claims marked the value of over 42 million euros or an annual increase of over 25 percent. even the pension sector during this year was characterized by growth, compared to the previous year. the total value of pension sector assets in september 2022 reached 2. 3 billion euros compared to 2. 2 billion in september 2021, which corresponds to an annual increase of 4. 2 percent. the pension sector until september 2022, due to the unfavourable conditions in the international financial markets, recorded a poor financial performance, marking a negative return on investments in the amount of about 170 million euros. the new pension contributions during this period marked the value of around 177. 5 million euros. as for the sector of microfinance institutions and non - banking financial institutions, until october 2022, the assets of this sector reached the value of 386. 1 million euros, marking an annual increase of 12. 6 percent. in total, the active loans of this sector in october reached the value of 276 million euros, or an annual increase of 18. 4 percent. the average interest rate on new loans issued by microfinance institutions in october was 19. 0 percent, which in the same period last year was 20. 6 percent. even in this sector, the good quality of the credit portfolio is assessed with a rate of nonperforming loans of 2. 9 percent. cbk has continued its commitment also in the function of protecting the rights of consumers of financial services, thus directly serving the protection of citizens'interests. until november of this year, the number of complaints reviewed by the cbk reached 810 complaints. the cbk's commitment to protecting the rights of consumers of financial services, either through financial education programs or through corrective measures against financial institutions, has been and will remain a priority of the cbk in the coming years. 4 / 5 bis - central bankers'speeches as far as internal developments are concerned, cbk has also continued during 2022 with the advancement and development of its professional capacities in all areas of its operation. despite the created situation and not very favourable conditions in the international markets, the central bank of the republic of kosovo has managed to maintain its financial stability and good performance of the institution,

ahmet ismaili : welcoming remarks - world savings day welcoming remarks by mr ahmet ismaili, governor of the central bank of the republic of kosovo, at the world savings day, pristina, 31 october 2023. * * * dear mr. jaha, director of " xhevdet doda " gymnasium in prishtina dear mrs. shatri, professor dear students, i address you today on world savings day, which aims to promote educational habits by promoting the culture of savings in the world, especially in the republic of kosovo. world savings day was established as an event to promote savings on 31 october 1924 at the first international savings bank congress held in milan, italy. this day is marked with informative and educational activities with the aim of informing and raising the awareness of citizens about the importance and financial responsibility of savings and their impact in the future. the central bank of the republic of kosovo marks this day for the 8th year in a row through awareness, educational and informative activities with the aim of encouraging students and young people to be informed and understand the ability of proper money management. the european commission has declared 2024 the year of skills, and of course financial education skills are included, as one of the main social skills, personal finance management, so that the decisions of citizens are then appropriate decisions for the future. the cbk will also focus on access to finance education and inclusion, where, during 2024, it will work in this direction. for this purpose, we will also coordinate with the bank of albania, to cooperate and harmonize financial education materials and propose it to be part of the school curriculum, as far as possible. the world is changing fast and we must keep up with it, and advanced changes in information technology, environmental and social changes, and geopolitical changes have become part of our daily life, and we must prepare to face them. today, more than ever, it is important to cultivate a genuine culture of managing and protection of personal finances and the protection of the environment, so that in the social and environmental aspect, as an individual, as a family or as a society, we have stability and sustainability. you are still young, but it is the right time to think about your financial future, and it is important to create the knowledge and skills of proper management of personal finances, create the habit of savings, and awareness of economic and financial issues. 1 / 2 bis - central bankers'speeches young people should set clear