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Investor Presentaiton

Macroeconomic developments Fiscal position expected to remain balanced, with public debt further declining Unemployment and inflation Public debt and general government deficit 17,3% 16,3% 13,1% 11,3% 9,6% 8,7% 1,1% 1,7% 1,8% 84,0% 83,8% 80,6% 78,0% 74,4% 71,4% 0,8% 0,0% -0,2% -0,5% -1,1% -5,1% -3,3% -0,9% -0,5% 2014 2015 2016 2017 2018e 2019e 2014 2015 2016 2017 2018e 2019e Unemployment rate (%) ■Inflation (%) as Labor market continues to reflect positive economic trends unemployment rate is anticipated to move into the single-digit region, while wage growth approached mid-single digit region Though inflation moved in a tight band at the beginning of the 2018, recent months bought more pronounced acceleration as CPI moved above 2% mark, given stronger oil price dynamics we see inflation remaining at close levels also in remainder of the year, with average FY18 seen at 1.7% mark, followed by similar CPI footprint also during 2019 Public debt (% of GDP) ■General government deficit (% of GDP) Following 2017 budget surplus of 0.8% of GDP and additional drop in the public debt trajectory, fiscal developments should remain on encouraging track, with 2018 expect to bring balanced budget and continued reduction of public debt towards 75% of GDP. Short-term downside risks are dominantly related to uncertainty over shipyard-related guarantees (negative one-off up to 1.5% of GDP) Improved outlook continued to positively reflect on the rating profile as both Fitch and S&P upgraded the outlook to 'positive' in 2H18, hence increasing the likelihood that Croatia could receive an upgrade to IGR in 2019 ERSTEŚ Source: Croatian Bureau of Statistics, Erste Group Research Bank 9
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