*  *  *  Introduction Good morning Ladies and Gentlemen, let me first thank ASBA for their kind invitation to address you on behalf of the Caribbean Region at this very important Conference. It is indeed a pleasure to be here at my first meeting with ASBA as a group since I only recently joined this prestigious group of Regulators.
As I prepare to present to you on the issues and challenges that are currently facing us in the Caribbean region, I would like to first update you on some important supervisory changes that have occurred in Trinidad and Tobago over the last few days.