CBI Governor Philip Lane described how the re-organisation of the CBI's financial regulation activities during the year helped to better deliver on the bank's mandate. He then set out the CBI's priorities for 2018; the Tracker Mortgage Examination and a review of banking culture will be key objectives. Thematic inspections on Small and Medium Enterprise (SME) lending, holding of client funds by payment institutions and retail credit firms' handling of long-term careers are to be expected. The CBI also anticipates a Brexit-driven spike in firms seeking to establish in Ireland. Meanwhile, the CBI's supervision of authorised institutions will focus on the ability of these firms' plans to withstand the impact of the UK's departure.