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>> Consolidated Financial Statements
Part B – Consolidated Balance Sheet - Assets
The following tables summarize the estimates of the main macroeconomic indicators, relative to the
markets where the Group operates, used to validate the estimates of future financial flows.
Compound Annual Growth Rate
2009-2012
Real GDP
Rate of
inflation
Growth rate
loans
Growth rate
deposits
Italy 0.9% 1.8% 3.5% 6.0%
Germany 1.6% 1.4% 2.2% 4.5%
Austria 1.5% 1.7% 2.5% 2.8%
Bosnia and Herzegovina 0.8% 2.6% 4.8% 5.3%
Bulgaria 0.9% 2.0% 7.0% 7.5%
Croatia 1.0% 3.4% 4.8% 4.6%
Estonia 1.7% 1.3% 7.6% 7.5%
Kazakhstan 4.5% 6.3% 15.7% 14.7%
Latvia 1.4% 1.6% 9.7% 11.6%
Lithuania 0.0% 1.3% 4.5% 5.1%
Poland 3.2% 3.1% 6.6% 7.0%
Czech Republic 2.9% 2.3% 10.4% 5.3%
Rumania 2.8% 3.7% 9.3% 10.8%
Russia 3.1% 7.8% 11.6% 12.3%
Serbia 1.4% 6.3% 9.6% 11.7%
Slovakia 3.2% 3.0% 10.4% 6.0%
Slovenia 1.4% 2.6% 5.4% 4.4%
Turkey 4.2% 4.9% 15.8% 12.2%
Ukraine 3.2% 9.9% 2.7% 8.8%
Hungary 1.9% 2.1% 5.1% 5.7%
CEE countries:
1
Interbank rate
2009 2010 2011 2012
Bosnia and Herzegovina 1
n.a. n.a. n.a. n.a.
Bulgaria 2.2% 3.3% 4.8% 4.3%
Croatia 9.0% 8.8% 6.0% 4.8%
Estonia 4.3% 4.1% 3.2% 3.5%
Kazakhstan 8.2% 9.0% 9.0% 8.0%
Latvia 6.5% 6.9% 4.0% 4.9%
Lithuania 4.5% 3.9% 3.1% 3.5%
Poland 4.2% 4.6% 5.1% 5.0%
Czech Republic 1.5% 1.8% 3.4% 3.9%
Rumania 8.8% 7.1% 6.3% 6.0%
Russia 10.0% 8.8% 8.3% 7.0%
Serbia 2
11.0% 10.0% 10.0% 9.5%
Turkey 7.0% 7.8% 8.3% 9.8%
Ukraine 1
n.a. n.a. n.a. n.a.
Hungary 7.0% 6.1% 5.6% 5.2%
1 For the eurozone countries (Italy, Germany, Austria, Slovenia and Slovakia) and Bosnia (whose currency is pegged to the euro), the interbank
rate used is the Euribor 3-month rate.
2 Illiquid market. The official Serbian Central Bank rate was used.