I will now hand you over to the Head of the European Commission Representation of Ireland, Barbara Nolan to open proceedings. Barbara, over to you. 1 Insurance Ireland 2 Irish Funds  2/2  BIS - Central bankers' speeches
Today, as we launch the 2013 CMA, we look forward to hearing more inspiring stories of how access to collateral-free credit can be so empowering. Indeed, we have witnessed the power of microfinance to improve lives across the country. As a member of the CMA board of judges for 8 years now, I have witnessed how this Awards program has also evolved.