In terms of the specific areas of supervisory interest by the Central Bank – and potential areas of enforcement action – my tip to you as board directors would be to read closely the Central Banks planned programme of thematic supervisory reviews and our announced enforcement priorities for 2013.
These have been published recently and are a very transparent roadmap of our areas of particular interest in the year ahead and where regulatory transgressions are more likely than not to lead to enforcement action. They provide a very obvious checklist for boards of directors who want to stay away from any problems with their regulator.