, behind us is the year in which, owing to efficient coordination of monetary, fiscal, microprudential and macroprudential policy, macroeconomic stability of the country has been preserved and the resilience of the domestic financial system strengthened. the national bank of serbia will remain committed to longterm stability of our financial system, in the general interest of all participants, this being a precondition for long - term sustainability of economic growth. thank you for your attention. i now give the floor to vice governor diana dragutinovic.

financial literacy and education. financial literacy enhances financial stability. links between financial stability and financial literacy are important and they form a worthwhile field for exploration. i am delighted that many papers today focus on microlevel decision - making and its links to the macro - economic outcomes. the bird's eye view enables us to discuss the broad scope of financial literacy. many papers and presentations also consider the societal effects of financial literacy. collecting high - 4 / 5 bis - central bankers'speeches quality data, designing studies to evaluate financial literacy policies, improving teaching techniques and making central banking communications more understandable are all financial literacy research areas that help us to understand household behaviour and eventually improve financial stability. dear all, let me reiterate how delighted i am to welcome you to the bank of finland's first international financial literacy conference. for the bank of finland, promoting financial literacy has been a key strategic priority and this financial literacy centre in connection with our museum is a concrete outcome of this work. when we were choosing the vision for our centre, we abandoned the stereotypical finnish modesty. the vision states, " finns will be the best at financial literacy in the world "! this year we are also celebrating the 20th anniversary of the bank of finland's museum. the museum is open to the public for free and it has become a popular place to visit here in the heart of helsinki. in 2020 the bank of finland took an initiative which resulted the first national strategy in financial education. we started by surveying all different financial education activities in finland. when it comes to implementing the strategy, we thrive to be a key player within our national financial education network. the network includes relevant ministries, banking, consumer and financial sector associations and ngos. co - operation between different stakeholders is crucial, because in finland many important policy areas such as consumer protection or citizens'advice do not fall under the functions of the central bank. co - operation enhances the outreach of financial education to different socioeconomic groups and gives us a feedback channel that we can utilise in developing our activities further. the mission of the financial literacy centre is to improve citizens'understanding of the economy and increase their interest in economic issues. our educational games, exhibitions and interactive displays explain common economic concepts like inflation, interest rates, and, in general, aim to make monetary policy more accessible to the broader public. we also offer workshops on personal finance for school children and students. to our visitors, we deliver neutral and research -