SPEECH - In the speech Mboweni said South Africa is regarded as having a dual economy. On the one hand it is an emerging market with its fair share of challenges regarding economic growth, wealth distribution, and inflation. In particular, we face the challenges of high unemployment, a low savings level, a high HIV/Aids infection rate, and a volatile currency. On the other hand, South Africa is blessed with a sophisticated, privately owned, financial system comparable in many respects with the