There is also a division known as Re-financing. The division deals with our old credit portfolio, mostly what is classified as E and D, which means that it is unlikely that these debts will be repaid. One part of the bank will be responsible for managing these old investments with a high risk factor, and the other part will be responsible for old credits with a high risk factor. Until very recently, you were in charge of Croatian economic policy. Now you are in a different position.
Macroeconomic conditions are crucial to the development of the bank.
For example, if prices are not stable, inflation will leave people with no incentive to save. If we are to encourage saving, it is necessary for the Kuna to remain stable, and for its value to remain the same in relation to other currencies. At most, it should fluctuate in accordance with the supply of, and demand for, foreign currency. We currently expect the economy to grow. You have a large portfolio of shares in tourism.