The state of play in Germany  Yet for all the challenges facing the banking sector, we should not lose sight of the fact that the German economy is in good shape overall. That’s allowing domestic banks to keep their risk provisioning low, lifting their profitability.
*  *  *  The officers and members of IABC under the leadership of Chair Elpi Cuna and IABC President Ritzi Ronquillo, distinguished fellow awardees, special guests, friends, good evening. I am deeply honored to receive the 2013 CEO Excel Lifetime Achievement Award and for this I thank the IABC.