John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

I remind members and those attending to please turn off their mobile phones and to identify themselves when contributing to the meeting. I am sure everybody is aware of the note on privilege, namely, those in attendance here and in the parliamentary precincts have privilege, but those outside may have limited privilege.

Today, we are engaging with the Central Bank of Ireland on a number of issues. I welcome Mr. Ed Sibley and Ms Derville Rowland. We have received an opening statement such that witnesses need only make some general comments on it rather than read it fully. However, the statement will form part of the record of the meeting.

I invite Ms Rowland to make her opening statement.