My colleagues and I look forward to hearing your views and taking your questions. 1Sparrow, M. The Character of Harms (2008, Cambridge University Press). 2Behaviour and Culture of the Irish Retails Banks 3Oliveira, Walters and Zamil, When the Music Stops: Holding Bank Executives Accountable for Misconduct (2023, BIS  Financial Stability Institute).
4Bank of England, Evaluation of the Senior Managers and Certification Regime 5Acting as a driver of high quality governance and performance amongst all firms; supporting positive outcomes  including helping firms to secure the interests of their customers while ensuring sustainable business models; enhancing levels of trust and confidence in the financial system so that it fulfils its potential in supporting the Irish and European  economy; and advancing the maturity of the regulatory system so that where levels of responsibility and accountability within firms are increased, supervision can focus more on performance and outcomes.