So markets often change a country’s solvency rating much before rating agenci-
es...0
5
10
15
20
25
30
35
Energy Food Industrial products Services
sh
ar
...
–1.5
–1.0
–0.5
0.0
0.5
1.0
1.5
Services Industrial products Food Energy Di...negative) value denotes a larger (smaller) contribution of the inflation of pric-...
services";8 July 2022;"1 July 2023 – directly:
AT, BE, BG, CY, CZ, DE, DK, EE, ES...services";8 May 2024;"1 October 2024 - directly:
AT, BE, BG, CY, CZ, DE, DK, EE,...
services
8 July 2022 1 July 2023 − directly:
AT, BE, BG, CY, CZ, DE, DK,
EE, ES...services 29 June 2020 1 June 2021 − directly:
AT, BE, BG, CY, CZ, DE, DK,
EE,...
2023 2024 2021 2022 2023 2024
Loans taken out in the same bank Loans taken out in di...in
gs
Co
nt
ag
io
n
O
ve
rn
ig
ht
de
po
si
t
Va
lu
e
im
pa
irm
en
t
...
35
40
45
HU EE CZ RO PL LT LV SK BG HR AT N
L SI BE DE SE EL EA IT PT CY IE ES...L
BE RO EE H
R LT BG SK PL LU H
U CY D
K
M
T
D
E IT PT EA IE SI AT SE CZ FI...
Açores and Madeira
Excluding Macau (MO)
RO Romania
SK Slovakia
SI Slovenia
ES...NL Netherlands
PL Poland
PT Portugal
RO Romania
SK Slovakia
SI Slovenia
...
1954.
50 kroner
100 kroner
500 kroner
1952
P
o
rtraits an
d
lan
d
scap
es...Nationalbank 2024
N
o
lo
n
g
er leg
al ten
d
er after 31 M
ay 2025
2009
B
rid...
stope promjene BDP-a (desezonirani podaci, desno)
Godišnje stope promjene BDP-a
go
di...gospodarske aktivnosti u
Hrvatskoj
tr
om
je
se
čn
a
st
op
a
pr
om
je
ne
,...
2
0
2
4
6
8
10
12
14
LT LV EE SK HR IT NL SI AT BE PT DE FI IE EL CY M
T FR LU ES...u europodručje te kako bi se u fokus stavila nadležnost Ureda
Lj
ud
sk
i r
...
stope promjene BDP-a (desezonirani podaci, desno)
Godišnje stope promjene BDP-a
go
di...gospodarske aktivnosti u
Hrvatskoj
tro
m
je
se
čn
a
st
op
a
pr
om
je
ne
,...
stope promjene BDP-a (desezonirani podaci, desno)
Godišnje stope promjene BDP-a
go
di...ne
(%
)
Industrija Trgovina Građevina Noćenja −
desno
Dolasci −
desno
go...
7
B
E LV EE N
L
R
O H
R SK PL LU C
Y
B
G
H
U
M
T
D
K
D
E PT IE EA A
T IT ES...21,1 20,7 20,3 20,2
0
10
20
30
40
50
60
HU LT SK EE BG LV RO HR PL BE NL...
do 2023, izražen kao postotak BDP-a
Izvor: Eurostat; ESB
EL
CY
IE
PT
SI
ES...15%
20%
SI HR CZ LU EE NL LT BG CY AT LV BE PT EL FI MT IE RO SK DK HU DE PL SE...
I then es-
timate a life-cycle model, with rich income risk and realistic long-term...-
ation for household i is given by:
amortizationi = ∑
l
(
12×mtpi,l − ri,l ×...
