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Let me cite a few:   The BSP in cooperation with local banks successfully worked on further reductions in bank remittance charges for overseas Filipinos and their dependents;    The BSP’s pioneering regulations for mobile money transfers have gained international recognition for its potential to reach out to the unbanked and become a useful and efficient channel for inclusive banking;  BIS Review 1/2010  1    The BSP’s regulatory environment for the microfinance sector has been recognized as the best in the world;    The BSP’s Credit Surety Fund program enhanced access of micro, small, and medium enterprises to collateral-free loans;    Our continuing and full commitment to global standards under various certification programs;    The BSP’s legal breakthroughs in its fight against erring banks and bankers which gained support from the Department of Justice and the Supreme Court; and    The BSP’s consumer protection and financial education program continues to broaden and deepen its reach, attracting global recognition in the process.