John McGuinness (Carlow-Kilkenny, Fianna Fail)
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I note the minutes of the meeting held in July were agreed at a private meeting of the committee earlier this morning. Apologies have been received from Senator Alice-Mary Higgins.

I welcome the Governor of the Central Bank, Mr. Gabriel Makhlouf, the deputy governor for monetary and financial stability Mr. Vasileios Madouros, and the deputy governor for consumer and investor protection, Ms Derville Rowland.

I remind members and witnesses of the note on privilege. Members are reminded of the long-standing parliamentary practice to the effect that they should not comment on, criticise or make charges against a person outside the Houses or an official either by name or in such a way as to make him or her identifiable or otherwise engage in speech that might be regarded as damaging to the good name of the person concerned.

I remind members attending remotely that they must be physically present on the Leinster House campus to participate fully in public meetings.

I invite Mr. Makhlouf to make his opening statement.