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CROATIAN NATIONAL BANK: FINANCIAL DISCIPLINE - MAIN TASK IN 1999

ZAGREB, Dec 22 (Hina) - The main tasks of the Croatian National Bank +(HNB) in 1999 include maintaining the stability of prices and of the +macroeconomic system and solving the problem of a lack of financial +discipline, HNB leading officials told reporters in Zagreb on +Tuesday.+ The deficit of the current account balance will amount to some +US$1.5 billion (between seven and eight per cent of the Gross +Domestic Product), which is about four per cent lower than last +year. The growth rate in 1999 will be somewhat lower than expected +(about three per cent).+ Top HNB officials believe that major economic progress or direct +foreign investments cannot be expected in the first half of 1999 +either. This should change in the second half of the year, after the +successful tourist season, when considerable foreign investments, +such as in telecommunications and banking sectors, can be +expected.+
ZAGREB, Dec 22 (Hina) - The main tasks of the Croatian National Bank (HNB) in 1999 include maintaining the stability of prices and of the macroeconomic system and solving the problem of a lack of financial discipline, HNB leading officials told reporters in Zagreb on Tuesday. The deficit of the current account balance will amount to some US$1.5 billion (between seven and eight per cent of the Gross Domestic Product), which is about four per cent lower than last year. The growth rate in 1999 will be somewhat lower than expected (about three per cent). Top HNB officials believe that major economic progress or direct foreign investments cannot be expected in the first half of 1999 either. This should change in the second half of the year, after the successful tourist season, when considerable foreign investments, such as in telecommunications and banking sectors, can be expected. Real economic growth will be sustained in the next year, the stability of prices and the exchange rate will continue and the deficit of the current account balance in relation to the GDP will decrease. HNB Governor Marko Skreb believes that solving the problem of a lack of financial discipline and debtor's mentality will be of crucial importance next year. Transparency of market economy requires clear rules and clear penalties for those who do not pay their obligations, Skreb stressed. The core of the Croatian banking, despite the problems in some banks, is healthy, he assessed. According to HNB estimates, problems exist in ten per cent of the whole banking system. HNB's foreign currency reserves at the end of this year amount to about US$2.7 billion. (hina) jn rml

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