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

I welcome the officials from the Central Bank, Mr. Cross, Ms McMunn and Mr. Kincaid. The procedure is that there will be an opening statement and the members will then ask questions. In our previous session, some members were cut short, so I will ask Deputy Ged Nash to begin the questioning. I call Mr. Cross to make his opening statement.