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Investor Presentaiton

Options for interventions (1/2) COORDINATION AND TRANSPARENCY Limited readiness of authorities to coordinate crisis response efforts. Lack of confidence in government response and absence of dialogue with business community was frequently reported in focus groups. Different interpretations of measures among the business community. Coordination and transparent communication of fiscal and economic measures by below state level government is required. • • • FINANCIAL SUPPORT Mid-term and long-term access to credit remains a challenge for the business sector. Decreased creditworthiness due to COVID-19 will pose a challenge for firms in terms of accessing finance. The market would warmly welcome additional liquidity offered via relief programmes and packages introduced by international financial institutions on various levels. Option of entity loan guarantees funds would facilitate firms' access to finance in the near future. • PROVIDING LIQUDITY All key sectors, will experience loss of turnover in the 3-month period. 43% of SMES will be forced to cease operations completely. Key vulnerability factor is inadequate level of financial liquidity (34.23%). Mayor items for company liquidity are and social security contributions. - VAT • • FLEXIBLE WORK OPTIONS Large portion of firms whose business doesn't require direct contact succeeded in employing flexible work and work from home options during the pandemic. Hence, employment practices related to flexible work options can be further stipulated in employment regulation in order to boost in- country employment in sectors which traditionally have not used these options due to myriad of reasons, incl. lack of adequate regulations. 12
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