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s-releases/2019/08/20190830-5/</loc><lastmod>2019-08-30</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/08/20190830-6/</loc><lastmod>2019-08-30</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/08/20190829-3/</loc><lastmod>2019-08-29</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190902-3/</loc><lastmod>2019-09-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190902-4/</loc><lastmod>2019-09-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190903-3/</loc><lastmod>2019-09-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/08/20190816-3/</loc><lastmod>2019-08-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/08/20190816-4/</loc><lastmod>2019-08-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190904-3/</loc><lastmod>2019-09-04</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190904-4/</loc><lastmod>2019-09-04</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190906-3/</loc><lastmod>2019-09-06</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190906-4/</loc><lastmod>2019-09-06</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190909-3/</loc><lastmod>2019-09-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190909-4/</loc><lastmod>2019-09-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190909-5/</loc><lastmod>2019-09-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190910-3/</loc><lastmod>2019-09-10</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190910-4/</loc><lastmod>2019-09-10</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190910-5/</loc><lastmod>2019-09-10</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190911-3/</loc><lastmod>2019-09-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190911-4/</loc><lastmod>2019-09-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190912-3/</loc><lastmod>2019-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190913-3/</loc><lastmod>2019-09-13</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190913-4/</loc><lastmod>2019-09-13</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190916-3/</loc><lastmod>2019-09-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190916-4/</loc><lastmod>2019-09-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190917-3/</loc><lastmod>2019-09-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/press-releases/2019/09/20190917-4/</loc><lastmod>2019-09-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/04/speech_280498b/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/11/speech_171197b/</loc><lastmod>2011-09-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/10/speech_271097b/</loc><lastmod>1997-10-27</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/09/speech_0997b/</loc><lastmod>1997-09-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/08/speech_260897b/</loc><lastmod>1997-08-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/05/speech_080597b/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/04/speech_110497b/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/12/speech_181296b/</loc><lastmod>1996-12-18</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1995/10/speech_29311095b/</loc><lastmod>1995-10-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9605/sp03.pdf</loc><lastmod>1996-04-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9605/sp02.pdf</loc><lastmod>1996-02-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9511/sp03.pdf</loc><lastmod>1995-09-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1995/04/speech_28290495b/</loc><lastmod>1995-04-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9505/sp01.pdf</loc><lastmod>1995-02-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1995/09/speech_280995b/</loc><lastmod>1995-09-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1994/11/speech_29301194b/</loc><lastmod>1994-11-04</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1994/11/speech_041194b/</loc><lastmod>1994-11-04</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9502/sp02.pdf</loc><lastmod>1994-10-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1994/09/speech_12130994b/</loc><lastmod>1994-09-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/12/speech_2031296b/</loc><lastmod>1996-12-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/09/speech_2100996b/</loc><lastmod>1996-09-10</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20110127e1.pdf</loc><lastmod>2011-01-27</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/10/20041026-1/</loc><lastmod>2004-10-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20091221e.ppt</loc><lastmod>2009-12-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20090213e.ppt</loc><lastmod>2009-02-13</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20080205e.ppt</loc><lastmod>2008-02-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2007/10/20071017-1/</loc><lastmod>2007-10-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/06/20060613-1/</loc><lastmod>2011-09-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20060606e.ppt</loc><lastmod>2006-06-06</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/01/20060109-1/</loc><lastmod>2006-01-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/11/20051114-1/</loc><lastmod>2005-11-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/09/20050926-1/</loc><lastmod>2005-09-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/11/speech_131196b/</loc><lastmod>1996-11-13</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2003/07/20030709/</loc><lastmod>2003-07-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2003/05/20030506/</loc><lastmod>2003-05-06</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20030317e.ppt</loc><lastmod>2003-03-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20030128e.ppt</loc><lastmod>2003-01-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2002/08/20020823/</loc><lastmod>2002-08-23</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20020711a.ppt</loc><lastmod>2002-07-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2002/05/20020524/</loc><lastmod>2002-05-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20020131e.ppt</loc><lastmod>2002-01-31</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20011128.ppt</loc><lastmod>2001-11-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20010831e.ppt</loc><lastmod>2001-08-31</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2001/08/20010815/</loc><lastmod>2001-08-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2001/06/20010601/</loc><lastmod>2001-06-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20010426e.ppt</loc><lastmod>2001-04-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2001/04/20010409/</loc><lastmod>2001-04-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20010222e.ppt</loc><lastmod>2001-02-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20010122e.ppt</loc><lastmod>2001-01-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20010116.ppt</loc><lastmod>2001-01-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2000/11/20001129/</loc><lastmod>2000-11-29</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20001103a.ppt</loc><lastmod>2000-11-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20001024e3a.ppt</loc><lastmod>2000-10-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2000/10/20001024/</loc><lastmod>2000-10-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2000/09/20000905/</loc><lastmod>2000-09-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2000/08/20000821/</loc><lastmod>2000-08-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20000614a.ppt</loc><lastmod>2000-06-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2000/04/20000412/</loc><lastmod>2000-04-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20000407a.ppt</loc><lastmod>2000-04-07</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2000/03/20000317/</loc><lastmod>2000-03-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20000121a.ppt</loc><lastmod>2000-01-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/11/speech_291199b/</loc><lastmod>1999-11-29</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/speech_241199ba.ppt</loc><lastmod>1999-11-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/speech_091199ba.ppt</loc><lastmod>1999-11-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/10/speech_081099b/</loc><lastmod>1999-10-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/09/speech_150999b/</loc><lastmod>1999-09-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/05/speech_050599b/</loc><lastmod>1999-05-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/04/speech_290499b/</loc><lastmod>1999-04-29</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/01/speech_270199b2/</loc><lastmod>1999-01-27</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/01/speech_270199b/</loc><lastmod>1999-01-27</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/11/speech_091198b/</loc><lastmod>1998-11-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/08/speech_080898b/</loc><lastmod>1998-08-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/06/speech_230698b/</loc><lastmod>1998-06-23</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/05/speech_280598b/</loc><lastmod>1998-05-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/05/speech_250598b/</loc><lastmod>1998-05-25</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/03/speech_270398b/</loc><lastmod>2011-09-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/09/speech_240997b/</loc><lastmod>1997-09-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/07/speech_190796b/</loc><lastmod>1996-07-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/07/speech_180796b/</loc><lastmod>1996-07-18</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/07/speech_030796b/</loc><lastmod>1996-07-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1995/09/speech_27290995b/</loc><lastmod>1995-09-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/12/20081216-1/</loc><lastmod>2008-12-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2011/03/20110301/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2010/11/20101116/</loc><lastmod>2011-09-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2009/07/20090703-1/</loc><lastmod>2009-07-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2009/02/20090218/</loc><lastmod>2009-02-18</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/11/20081125/</loc><lastmod>2008-11-25</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/05/20080513/</loc><lastmod>2008-05-13</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2011/04/20110407-1/</loc><lastmod>2011-09-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2010/12/20101223-1/</loc><lastmod>2010-12-23</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2010/12/20101217-1/</loc><lastmod>2010-12-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2010/12/20101213-1/</loc><lastmod>2010-12-13</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20101208e1.ppt</loc><lastmod>2010-12-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2010/11/20101119-1/</loc><lastmod>2010-11-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2010/10/20101021-1/</loc><lastmod>2010-10-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2010/10/20101015-1/</loc><lastmod>2010-10-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2010/09/20100917-1/</loc><lastmod>2010-09-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2010/09/20100902-1/</loc><lastmod>2010-09-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20100126e.ppt</loc><lastmod>2010-01-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2010/01/20100120-1/</loc><lastmod>2010-01-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2009/12/20091214-1/</loc><lastmod>2011-09-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2009/11/20091112-1/</loc><lastmod>2009-11-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/01/20050126-1/</loc><lastmod>2005-01-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/10/20041014-1/</loc><lastmod>2004-10-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/05/20040524-1/</loc><lastmod>2004-05-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/02/20040209-1/</loc><lastmod>2004-02-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/01/20040119-2/</loc><lastmod>2004-01-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2001/05/20010511/</loc><lastmod>2001-05-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/06/19990607-1/</loc><lastmod>2011-09-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/12/speech_041297b/</loc><lastmod>1997-12-04</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/09/speech_220997b-1/</loc><lastmod>1997-09-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/06/speech_230697b/</loc><lastmod>1997-06-23</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/06/speech_110697b/</loc><lastmod>2011-09-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2011/04/20110428-1/</loc><lastmod>2011-04-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9605/sp04.pdf</loc><lastmod>1996-03-18</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9605/sp01.pdf</loc><lastmod>1996-03-04</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9602/sp06.pdf</loc><lastmod>1996-01-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9602/sp07.pdf</loc><lastmod>1995-11-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9511/sp06.pdf</loc><lastmod>1995-10-30</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9508/sp04.pdf</loc><lastmod>1995-06-29</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9502/sp04.pdf</loc><lastmod>1995-01-18</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9502/sp05.pdf</loc><lastmod>1994-10-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2010/05/20100527/</loc><lastmod>2010-05-27</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2010/05/20100511/</loc><lastmod>2010-05-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2009/05/20090508/</loc><lastmod>2009-05-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/07/20080707/</loc><lastmod>2008-07-07</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/06/20080625/</loc><lastmod>2008-06-25</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/09/20080905-1/</loc><lastmod>2008-09-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/07/20080711-2/</loc><lastmod>2008-07-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2007/03/20070326-1/</loc><lastmod>2007-03-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/07/speech_110798b/</loc><lastmod>1998-07-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/07/speech_060798b/</loc><lastmod>2011-09-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/06/speech_170698b/</loc><lastmod>1998-06-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/10/speech_201097b/</loc><lastmod>1997-10-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/09/speech_300996b/</loc><lastmod>1996-09-30</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/11/20051103-1/</loc><lastmod>2005-11-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/speech_080799b.pdf</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2009/09/20090928-1/</loc><lastmod>2009-09-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2009/09/20090914-1/</loc><lastmod>2009-09-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2009/07/20090716-1/</loc><lastmod>2009-07-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2009/02/20090208-1/</loc><lastmod>2009-02-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20090105c1a.ppt</loc><lastmod>2009-01-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/07/20080711-1/</loc><lastmod>2008-07-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/05/20080509-1/</loc><lastmod>2008-05-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2007/12/20071213-1/</loc><lastmod>2007-12-13</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2007/11/20071127-1/</loc><lastmod>2007-11-27</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20070924e1a.ppt</loc><lastmod>2007-09-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2007/06/20070627-1/</loc><lastmod>2007-06-27</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2007/05/20070508-1/</loc><lastmod>2007-05-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2007/05/20070506-1/</loc><lastmod>2007-05-06</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/12/20061211-1/</loc><lastmod>2011-09-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/10/20061020-1/</loc><lastmod>2006-10-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/06/20060622-1/</loc><lastmod>2006-06-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2006/03/20060323-1/</loc><lastmod>2006-03-23</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/02/20060224-1/</loc><lastmod>2006-02-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/01/20060123-1/</loc><lastmod>2006-01-23</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/11/20051115-1/</loc><lastmod>2005-11-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/07/20050707-1/</loc><lastmod>2005-07-07</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/06/20050610-1/</loc><lastmod>2005-06-10</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/05/20050503-1/</loc><lastmod>2005-05-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/03/20050321e3_index/</loc><lastmod>2005-03-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1994/08/speech_260894b/</loc><lastmod>1994-08-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1994/12/speech_081294b/</loc><lastmod>1994-12-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9502/sp03.pdf</loc><lastmod>1995-01-13</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9508/sp05.pdf</loc><lastmod>1995-05-29</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9508/sp02.pdf</loc><lastmod>1995-05-18</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1995/10/199510-1/</loc><lastmod>1995-10-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9511/sp01.pdf</loc><lastmod>1995-11-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9602/sp03.pdf</loc><lastmod>1995-12-07</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9602/sp01.pdf</loc><lastmod>1995-12-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9602/sp02.pdf</loc><lastmod>1995-12-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9602/sp04.pdf</loc><lastmod>1996-02-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/05/speech_300596b/</loc><lastmod>1996-05-30</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/09/speech_100996b/</loc><lastmod>1996-09-10</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/09/speech_260996b/</loc><lastmod>1996-09-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/09/speech_180996b/</loc><lastmod>1996-09-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/11/speech_121196b/</loc><lastmod>1996-11-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/12/speech_121296b/</loc><lastmod>1996-12-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/05/speech_100597b/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/06/speech_030697b/</loc><lastmod>1997-06-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/07/speech_140797b/</loc><lastmod>1997-07-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/09/speech_200997b/</loc><lastmod>1997-09-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/09/speech_210997b/</loc><lastmod>1997-09-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/09/speech_220997b/</loc><lastmod>1997-09-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/10/speech_161097b/</loc><lastmod>1997-10-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/10/speech_281097b/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1997/12/speech_021297b/</loc><lastmod>1997-12-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/03/speech_030398b/</loc><lastmod>1998-03-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/03/speech_110398b/</loc><lastmod>1998-03-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/04/290498b/</loc><lastmod>1998-04-29</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9808/qbsp02e.pdf</loc><lastmod>1998-06-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/08/speech_170898b/</loc><lastmod>1998-08-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/08/speech_200898b/</loc><lastmod>1998-08-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/08/speech_240898b/</loc><lastmod>1998-08-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/09/speech_170998b/</loc><lastmod>1998-09-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/10/speech_141098b/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/10/speech_201098b/</loc><lastmod>1998-10-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/11/speech_231198b/</loc><lastmod>1998-11-23</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1998/12/speech_081298b/</loc><lastmod>1998-12-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/01/speech_050199b/</loc><lastmod>1999-01-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/03/speech_260399b/</loc><lastmod>1999-03-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/04/speech_100499b/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/04/speech_220499b/</loc><lastmod>1999-04-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/05/speech_010599b/</loc><lastmod>1999-05-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/05/speech_020599b/</loc><lastmod>1999-05-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/05/speech_030599b/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/05/speech_140599b/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/06/speech_160699b/</loc><lastmod>1999-06-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/06/speech_290699b/</loc><lastmod>1999-06-29</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/07/speech_080799b/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/07/speech_190799b/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/09/speech_280999b/</loc><lastmod>1999-09-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/09/speech_280999b2/</loc><lastmod>1999-09-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/10/speech_221099b/</loc><lastmod>1999-10-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/10/speech_291099b/</loc><lastmod>1999-10-29</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/11/speech_071199b/</loc><lastmod>1999-11-07</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/12/speech_091299b/</loc><lastmod>1999-12-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/12/speech_171299b/</loc><lastmod>1999-12-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20000103ea.ppt</loc><lastmod>2000-01-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2000/03/20000309/</loc><lastmod>2000-03-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2000/03/20000314/</loc><lastmod>2000-03-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2000/03/20000320/</loc><lastmod>2000-03-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20000502ea.ppt</loc><lastmod>2000-05-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2000/05/20000507/</loc><lastmod>2000-05-07</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2000/09/20000904/</loc><lastmod>2000-09-04</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20010111e.ppt</loc><lastmod>2001-01-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2001/01/20010115/</loc><lastmod>2001-01-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2001/01/20010116/</loc><lastmod>2001-01-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2001/05/20010503/</loc><lastmod>2001-05-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20010514e.ppt</loc><lastmod>2001-05-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2001/06/20010619/</loc><lastmod>2001-06-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2001/10/20011024c_index/</loc><lastmod>2001-10-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2001/11/20011105/</loc><lastmod>2011-09-06</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2001/11/20011119-1/</loc><lastmod>2001-11-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2001/11/20011122/</loc><lastmod>2001-11-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20020506e.ppt</loc><lastmod>2002-05-06</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20020204e.ppt</loc><lastmod>2002-02-04</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2002/05/20020511/</loc><lastmod>2002-05-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2002/05/20020521/</loc><lastmod>2002-05-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2002/06/20020624/</loc><lastmod>2002-06-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2002/07/20020703-1/</loc><lastmod>2002-07-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2003/08/20030827-1/</loc><lastmod>2003-08-27</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2003/09/20030922-1/</loc><lastmod>2003-09-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2003/10/20031014-1/</loc><lastmod>2003-10-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2003/10/20031030-1/</loc><lastmod>2003-10-30</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2003/11/20031127-1/</loc><lastmod>2003-11-27</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/01/20040119-1/</loc><lastmod>2004-01-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/03/20040302-1/</loc><lastmod>2004-03-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/03/20040322-1/</loc><lastmod>2004-03-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/05/20040516-1/</loc><lastmod>2004-05-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/06/20040616-1/</loc><lastmod>2004-06-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/07/20040708-1/</loc><lastmod>2004-07-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/09/20040902-1/</loc><lastmod>2004-09-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/10/20041019-1/</loc><lastmod>2004-10-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/10/20041025-1/</loc><lastmod>2004-10-25</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/11/20041109-1/</loc><lastmod>2004-11-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/06/20060622-2/</loc><lastmod>2006-06-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20101215e1a1.ppt</loc><lastmod>2010-12-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20060317e2.ppt</loc><lastmod>2006-03-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/02/20050204-1/</loc><lastmod>2005-02-04</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20110407e1.ppt</loc><lastmod>2011-09-09</lastmod></sitemap><sitemap><loc>http://www.rba.gov.au/speeches/2006/sp-dg-150906.html</loc><lastmod>2006-09-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/12/speech_201299b/</loc><lastmod>1999-12-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/12/speech_031296b/</loc><lastmod>1996-12-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2002/10/20021002/</loc><lastmod>2002-10-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/05/20050505/</loc><lastmod>2005-05-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/07/20050718/</loc><lastmod>2005-07-18</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/11/20051115/</loc><lastmod>2005-11-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/09/20060901/</loc><lastmod>2006-09-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/12/20081216/</loc><lastmod>2008-12-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/11/20061127/</loc><lastmod>2006-11-27</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2007/03/20070305/</loc><lastmod>2007-03-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/05/20080506/</loc><lastmod>2008-05-06</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/07/20080704/</loc><lastmod>2008-07-04</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/07/20080707-1/</loc><lastmod>2008-07-07</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2008/10/20081016/</loc><lastmod>2008-10-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/11/20081117/</loc><lastmod>2008-11-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2009/04/20090420/</loc><lastmod>2009-04-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2010/10/20101019/</loc><lastmod>2010-10-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20110222e1.ppt</loc><lastmod>2011-02-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2011/03/20110324/</loc><lastmod>2011-03-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2011/03/20110325/</loc><lastmod>2011-03-25</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2011/04/20110421/</loc><lastmod>2011-04-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2011/04/20110428/</loc><lastmod>2011-04-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2011/05/20110505/</loc><lastmod>2011-05-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/chi/doc/key-information/speeches/20020320.ppt</loc><lastmod>2002-03-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20040127e1.pdf</loc><lastmod>2004-01-27</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20050202e.ppt</loc><lastmod>2005-02-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/05/20050530-1/</loc><lastmod>2005-05-30</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20060125e.ppt</loc><lastmod>2006-01-25</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20060815e.ppt</loc><lastmod>2006-08-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/11/20061107-1/</loc><lastmod>2006-11-07</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20070131e.ppt</loc><lastmod>2007-01-31</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2003/07/20030705-1/</loc><lastmod>2003-07-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20040505e1.ppt</loc><lastmod>2004-05-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20040506e1.ppt</loc><lastmod>2004-05-06</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2004/05/20040518-1/</loc><lastmod>2004-05-18</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20040719e1.ppt</loc><lastmod>2004-07-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20040928e1.ppt</loc><lastmod>2004-09-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20041116e1.ppt</loc><lastmod>2004-11-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20050309e1.ppt</loc><lastmod>2005-03-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/09/20050927-1/</loc><lastmod>2005-09-27</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20060317e1.ppt</loc><lastmod>2006-03-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2007/10/20071022-1/</loc><lastmod>2007-10-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/09/20060915-1/</loc><lastmod>2006-09-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/04/speech_260499b/</loc><lastmod>1999-04-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/05/speech_110599b/</loc><lastmod>2011-09-12</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/05/speech_170599b/</loc><lastmod>1999-05-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1999/12/speech_071299b/</loc><lastmod>1999-12-07</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2000/02/20000222/</loc><lastmod>2000-02-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/ne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tps://www.hkma.gov.hk/eng/news-and-media/speeches/1997/10/speech_201097b</loc><lastmod>1997-10-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/09/speech_300996b</loc><lastmod>1996-09-30</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/11/20051103-1</loc><lastmod>2005-11-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/07/speech_080799b-1/</loc><lastmod>1999-07-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1998/03/speech_110398b/</loc><lastmod>1998-03-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1998/08/speech_240898b/</loc><lastmod>1998-08-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1998/10/speech_201098b/</loc><lastmod>1998-10-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1998/11/speech_231198b/</loc><lastmod>1998-11-23</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1998/12/speech_081298b/</loc><lastmod>1998-12-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/chi/doc/key-information/speeches/sp02.pdf</loc><lastmod>1999-01-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/04/speech_100499b/</loc><lastmod>1999-04-10</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/06/speech_160699b/</loc><lastmod>1999-06-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/07/speech_080799b/</loc><lastmod>1999-07-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/12/speech_091299b/</loc><lastmod>1999-12-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/chi/doc/key-information/speeches/20000103ca.ppt</loc><lastmod>2000-01-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2000/03/20000314/</loc><lastmod>2000-03-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/chi/doc/key-information/speeches/20000502ca.ppt</loc><lastmod>2000-05-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2000/09/20000904/</loc><lastmod>2000-09-04</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/chi/doc/key-information/speeches/20010111c.ppt</loc><lastmod>2001-01-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2004/10/20041026-1/</loc><lastmod>2004-10-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2007/10/20071017-1</loc><lastmod>2007-10-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/07/19990708/</loc><lastmod>1999-07-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/12/20081216-1</loc><lastmod>2008-12-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/12/20081216-1</loc><lastmod>2008-12-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/12/20081216-1</loc><lastmod>2008-12-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/12/20081216-1</loc><lastmod>2008-12-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2010/11/20101116</loc><lastmod>2010-11-16</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2009/02/20090218</loc><lastmod>2009-02-18</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2008/05/20080513</loc><lastmod>2008-05-13</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2010/10/20101021-1/</loc><lastmod>2010-10-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2001/05/20010511/</loc><lastmod>2001-05-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1998/06/speech_170698b/</loc><lastmod>1998-06-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1998/03/speech_030398b/</loc><lastmod>1998-03-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/03/speech_260399b/</loc><lastmod>1999-03-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/05/speech_010599b/</loc><lastmod>1999-05-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/05/speech_020599b/</loc><lastmod>1999-05-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/05/speech_030599b/</loc><lastmod>1999-05-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/05/speech_140599b/</loc><lastmod>1999-05-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/06/speech_290699b/</loc><lastmod>1999-06-29</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/09/speech_280999b/</loc><lastmod>1999-09-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/10/speech_221099b/</loc><lastmod>1999-10-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/10/speech_291099b/</loc><lastmod>1999-10-29</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2000/05/20000507/</loc><lastmod>2000-05-07</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2001/05/20010503c_index/</loc><lastmod>2001-05-03</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2001/06/20010619/</loc><lastmod>2001-06-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2006/01/20060109-1/</loc><lastmod>2006-01-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2005/09/20050926-1/</loc><lastmod>2005-09-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2011/03/20110301</loc><lastmod>2011-03-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2011/04/20110428-1/</loc><lastmod>2011-04-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2010/11/20101119-1/</loc><lastmod>2010-11-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2010/09/20100917-1/</loc><lastmod>2010-09-17</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2009/12/20091214-1/</loc><lastmod>2011-09-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2005/01/20050126-1/</loc><lastmod>2005-01-26</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2004/10/20041014-1/</loc><lastmod>2004-10-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1998/07/speech_110798b/</loc><lastmod>1998-07-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1998/07/speech_060798b/</loc><lastmod>1998-07-06</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/04/speech_220499b/</loc><lastmod>1999-04-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/07/speech_190799b/</loc><lastmod>1999-07-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/09/speech_280999b2/</loc><lastmod>1999-09-28</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/11/speech_071199b/</loc><lastmod>1999-11-07</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2000/03/20000309/</loc><lastmod>2000-03-09</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2000/03/20000320/</loc><lastmod>2000-03-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2000/12/20001213/</loc><lastmod>2000-12-13</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2001/10/20011024c_index/</loc><lastmod>2001-10-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/chi/doc/key-information/speeches/20020204c.ppt</loc><lastmod>2002-02-04</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/chi/doc/key-information/speeches/20020506c.ppt</loc><lastmod>2002-05-06</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2002/06/20020624/</loc><lastmod>2002-06-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2004/07/20040708-1/</loc><lastmod>2004-07-08</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2004/10/20041025-1/</loc><lastmod>2004-10-25</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2004/12/20041213-1/</loc><lastmod>2004-12-13</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2005/06/20050623-1/</loc><lastmod>2005-06-23</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/07/20050707-1</loc><lastmod>2005-07-07</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/11/20051115-1</loc><lastmod>2005-11-15</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/01/20060123-1</loc><lastmod>2006-01-23</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2006/02/20060224-1</loc><lastmod>2006-02-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2006/06/20060606-1/</loc><lastmod>2011-09-15</lastmod></sitemap><sitemap><loc>https://ww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map><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2009/04/20090420/</loc><lastmod>2009-04-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/1999/12/speech_201299b/</loc><lastmod>1999-12-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2005/05/20050505/</loc><lastmod>2005-05-05</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2005/05/20050530-1/</loc><lastmod>2005-05-30</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2000/03/20000324/</loc><lastmod>2000-03-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2001/10/20011022/</loc><lastmod>2001-10-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2001/11/20011105/</loc><lastmod>2011-09-06</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2002/05/20020511/</loc><lastmod>2002-05-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2003/10/20031014-1/</loc><lastmod>2003-10-14</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2004/01/20040119-1/</loc><lastmod>2004-01-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2004/03/20040302-1/</loc><lastmod>2004-03-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2004/03/20040319-1/</loc><lastmod>2004-03-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2004/09/20040902-1/</loc><lastmod>2004-09-02</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/03/20050321e3_index</loc><lastmod>2005-03-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2005/06/20050621-1/</loc><lastmod>2005-06-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2008/07/20080711-1/</loc><lastmod>2008-07-11</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2004/04/20040420-1/</loc><lastmod>2004-04-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2001/08/20010820/</loc><lastmod>2001-08-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2011/07/20110722-1/</loc><lastmod>2011-07-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2011/08/20110808-1/</loc><lastmod>2011-08-19</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2011/09/20110922-1/</loc><lastmod>2011-09-22</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/chi/news-and-media/speeches/2011/10/20111018-1/</loc><lastmod>2011-10-20</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9611/sp02.pdf</loc><lastmod>2011-10-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/12/speech_2031296b</loc><lastmod>2011-10-21</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/11/speech_131196b</loc><lastmod>2011-10-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/02/20050204-3</loc><lastmod>2011-10-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/speeches/20010213e1.tif</loc><lastmod>2011-10-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2005/02/20050204-2</loc><lastmod>2011-10-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2002/05/20020521-a</loc><lastmod>2011-10-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2002/05/20020521-b</loc><lastmod>2011-10-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/1996/12/speech_031296b</loc><lastmod>2011-10-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/doc/key-information/press-release/2001/20010213e2.tif</loc><lastmod>2011-10-24</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/eng/news-and-media/speeches/2011/10/20111025</loc><lastmod>2011-10-25</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/chi/doc/key-information/speeches/20120118c1.pdf</loc><lastmod>2012-01-18</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9611/sp04.pdf</loc><lastmod>2012-02-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/eng/publication-and-research/quarterly-bulletin/qb9608/sp02.pdf</loc><lastmod>2012-02-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/chi/publications-and-research/quarterly-bulletin/qb9802/sp01.pdf</loc><lastmod>2012-02-01</lastmod></sitemap><sitemap><loc>https://www.hkma.gov.hk/media/chi/publications-and-research/quarte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