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Investor Presentaiton

Positive public debt dynamics • Public debt peaked over 2014-2015. After a one-off increase in 2018 due to the placement of government bonds as part of the partial sale of Cyprus Cooperative Bank, the decline is expected to resume and progress steadily to 81% by 2022. • Debt dynamics are favourable due to growth, positive fiscal balance and low interest burden. • The debt sustainability analysis, introducing various shocks to the macroeconomic parameters, indicates that the debt declining rate remains resilient albeit at a slower pace. Evolution of gross and net general government debt, % 120 108 108 106 110 103 96 103 104 99 97 100 102 101 98 91 94 86 90 80 81 80 79 66 70 56 60 56 50 62 62 Gross Debt/GDP Net debt/GDP 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019f 2020f 2021f 2022f Debt dynamics, % of GDP 0 • The current policy followed is for liquid assets to cover gross financing needs of the following 9-month period on a rolling basis. -2 -4 -6 -8 2019f 2020f 2021f 2022f I Primary balance Interest rate-growth differential Inflation Source: Cyprus Statistical Service, Ministry of Finance Note: "f" denotes forecasts by the Ministry of Finance as of September 2019. All forecasts are based on assumptions and there can be no assurance they will be realised. 21
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