*  *  *  Introduction Ladies and Gentlemen, It is a pleasure to be back speaking to members of the Irish District Society of the Institute of Internal Auditors on the occasion of your 20th Annual Conference. I would like to thank your chairman, Fintan Geraghty, for the invitation to speak today.
Our collective responsibility is to ensure efficient financial intermediation in the economy as we continue to provide assurances to the general public to address some of the confidence issues that arose during the clean-up. We should collectively work hard to regain the confidence of the general public through the introduction of prudent policies, regulations and procedures to ensure irreversibility of reforms introduced. 28.