IMF – MALTA REPORT
IMF Report: Malta – 2013 Article IV Consultation Concluding Statement
Macroeconomic outlook and challenges
1. Malta has shown remarkable resilience in the face of a major crisis in Europe and its main challenge is to preserve this macroeconomic stability. Average growth of the Maltese economy (relative to historical average) has been the best in the euro area since the beginning of the crisis and the unemployment rate remains one of the lowest. This resilience was underpinned by robust export growth and a sound banking system. The current account balance has improved gradually in recent years, turning into surplus in 2012. However, economic growth slowed to about ¾ per cent in 2012 and remains below potential, reflecting a weak external environment and subdued domestic demand. In addition, the fiscal position has deteriorated and the level of public debt is uncomfortably high, constraining the fiscal space for manoeuvre in the event of further shocks.
2. Going forward, domestic demand is expected to become a larger contributor to economic growth. The mission projects a moderate acceleration in real GDP growth in 2013-15, which means that Malta would continue to outperform the euro area average. The pick-up in activity is predicated on the recovery of private consumption and improved confidence, as policy uncertainty decreases. While this would lead to some increase in imports, the current account balance is projected to remain slightly positive.
3. Short-term risks to this scenario are largely related to the external environment. A protracted period of slower growth in Europe, or re-emergence of euro area financial stress if policy momentum is not sustained, would negatively affect the economy through the trade channel. In addition, close financial integration with the euro area entails a spillover risk via banking and financial markets channels. However, relatively strong fundamentals in Malta, including a comfortable external position, very small reliance on external financing by the government, a resilient financial system, and relatively healthy balance sheets of households and nonfinancial corporates limit the vulnerability against these risks.
4. In the longer term, regulatory and tax reform at the European or global level could erode Malta’s competitiveness. The Maltese economy, including the financial sector and other niche services, has greatly benefited from a business-friendly tax regime. Greater fiscal integration of EU member states and potential harmonisation of tax rates could erode some of these benefits, with consequences on employment, output and fiscal revenues.
5. Against this background, policies should aim at maintaining macroeconomic and financial stability, safeguarding fiscal sustainability and enhancing the growth potential. The mission’s key recommendations to the authorities are the following:
– In the banking sector, improve coverage of bank nonperforming loans through higher provisioning requirements;
– Stand ready to take action if the international banks’ business model changes or spillovers from abroad become imminent;
– Increase the resources of the deposit compensation scheme at least to the level implied by the draft EU proposal on the harmonisation of the deposit insurance;
– Pursue a credible adjustment of fiscal policy until the budget is balanced and debt is put on a sustainable path;
– Continue restructuring large public corporations with a view to restore their viability, enhance their efficiency and reduce contingent liabilities of the government;
– Persevere with the structural reform agenda to boost potential growth and competitiveness.
Financial sector
6. Recent events in Europe have heightened perceptions about risks of hosting a large banking sector in a small country. In the case of Malta, these risks are contained because the large international banking segment has limited balance sheet exposures to the Maltese economy and negligible contingent claims on the deposit compensation scheme. The authorities should, nonetheless, continue monitoring closely developments in all banks, including links between foreign parent banks and their Maltese entities. The authorities should also stand ready to take action if spillovers from abroad become imminent or the internationally-oriented banks increase their exposure to the domestic economy. In this context, the mission supports the recent introduction of more frequent monitoring of banks’ liquidity.
7. Near-term risks related to the core domestic banks appear to be contained. Despite turbulence in the euro area, the performance of Maltese banks has been satisfactory. Banks report adequate capitalisation, liquidity, and profitability and are well positioned to transition to the Basel III regime. In contrast to many European countries, banks’ deposits and credit to the private sector continued to increase in 2012, albeit at a slower pace than in 2010-11. However, these banks are heavily exposed to the local property market and non-performing loans are on the rise, reflecting subdued conditions in the construction and real estate sectors. A significant decline in house prices, although not likely in the short-term, could have a sizeable impact on the domestic banking sector.
8. Further efforts in several specific areas are still needed to shore up the resilience of Maltese banks and ensure financial stability.
The coverage of nonperforming loans by provisions is relatively low. Despite ample availability of collateral, the authorities should tighten provisioning rules in order to increase the available buffers to cover loan losses. These should take into account slow judicial procedures and historical recovery rates. Current efforts in this direction by the Malta Financial Services Authority and the Central Bank of Malta are welcome.
There is room to strengthen crisis preparedness and management frameworks in line with the forthcoming reforms at the European level. This would require boosting the resources of the deposit insurance scheme and improve the legal framework for bank resolution. Recent amendments to the regulations on deposit insurance are a step in the right direction. However, more needs to be done in view of sizeable contingent liabilities (relative to the size of the economy) and potential large increase in deposits covered by the scheme as a result of the forthcoming EU directive.
The largest banks will be placed under the direct oversight of the ECB from 2014. The MFSA should work closely with the ECB to ensure no reduction in the supervisory capacity of these banks.
In light of the rapid growth in online gaming and financial sector activities, all relevant institutions should maintain an effective anti-money laundering framework, which will be important to preserve the reputation of the Maltese financial sector.
Strong financial sector oversight is a critical pillar to financial stability. In this regard, the mission welcomes the establishment of the Joint Financial Stability Board to conduct macro-prudential policy. The mission also encourages the authorities to undertake an IMF Financial Sector Assessment Programme.
Public finances
9. Government’s objective to balance the budget over the medium-term remains essential, but it requires credible and sustainable consolidation efforts. After notable progress in 2011, the fiscal deficit widened to 3.3% of GDP in 2012 amid the election cycle, triggering a reassessment of Malta’s public finances under the EU Excessive Deficit Procedure. Discretionary measures in the 2013 budget are expansionary and tax revenues appear optimistic in light of the moderate growth outlook and developments so far. Therefore, the mission urges the Maltese authorities to adopt additional measures to ensure that the deficit falls below 3% ofGDP in 2013 and public debt is put back on a sustainable path. These measures should be designed to contain the fast growth in current spending, while preserving capital spending. The focus should be on tightening controls on the growth of health spending, greater use of means-testing for government benefits, and containing the wage bill through prudent collective wage agreements and compression of public sector employment through attrition.
10. Restoring the profitability and viability of large public corporations is crucial to alleviate fiscal pressures. The high level of government-guaranteed debt and delicate financial position of Enemalta and Airmalta heighten concerns about fiscal sustainability. Progress on the restructuring of Airmalta appears on track and the restructuring plan of Enemalta was approved in December 2012. In this context, budget assistance to Enemalta needs to be phased out, as it crowds out priority public spending. The mission supports government’s objective to reduce energy costs – one of the highest in the EU – and diversify energy sources to reduce Malta’s dependence on oil. However, any reduction in electricity tariffs should be contingent on the success of the government’s strategy to reduce costs and restore Enemalta’s financial health.
11. Further progress is needed to strengthen the fiscal governance framework. The authorities need to undertake the necessary reforms to ensure that the fiscal framework meets the EU requirements under the six-pack and fiscal compact by end of 2013. A clear rule-based multi-year fiscal policy framework would reinforce the linkage between annual budget laws and the medium-term target. Fiscal discipline and governance should also be strengthened by establishing an independent fiscal council to guide and assess government’s consolidation efforts.
Structural reforms
12. Steady implementation of structural reforms is critical to boost potential growth and ensure sustainability of public finances. The mission welcomes government’s recent adoption of the National Reform Programme that includes specific measures in different areas. Pension reform remains a priority to ease long-term fiscal pressures. In particular, the retirement age should be aligned with life expectancy, and second and third pension pillars should be introduced. The latter, which would require an appropriate legal framework, would support the development of the local capital market and allow households to diversify their sources of savings. Continued efforts are also needed to strengthen female labour participation and educational attainment. Ongoing efforts to incentivise and support job search are welcome. Education reforms should focus on promoting greater social inclusion and linking vocational training more closely with labour market needs.
13. With Malta’s growth model increasingly dependent on financial and niche services, measures to broaden competitiveness would help diversify the economy. The authorities should ensure better alignment of wages and productivity at the enterprise level, promote foreign investment, improve the judicial system and promptly implement structural reforms. This is particularly important at a time when many of Malta’s trading partners are undergoing internal devaluation, fiscal consolidation and structural reforms to restore their competitiveness. More generally, these reforms would make the economy less vulnerable to sectoral setbacks and more resilient to a potential harmonisation of tax rates at the EU level.
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Nicht nur, dass das Produkt absolut natürlich ist, also hier auf naturbelassene Inhaltsstoffe gesetzt wurde, hilft Reduslim am Ende bei der Gewichtsabnahme.
Wer also im Alltag nur geringe Mengen an Koffein zu sich
nimmt, und nicht an die Einnahme von Abnehmtabletten gewöhnt ist, sollte
nicht mit der vollen Dosis starten, sondern entweder eine niedrigere Dosierung
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Dass Reduslim erst im Laufe der Zeit seine Wirkung entfaltet, sei kein großer Nachteil.
Ich nehme die Kapseln nun seit 2 Wochen und
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Ich fühle mich absolut verjüngt, fröhlicher und lebhafter Mensch!
Ich nehme sie jetzt seit einigen Tagen und habe merkbar weniger Appetit.
Die Wirksamkeit der einzelnen Inhaltsstoffe ist außerdem seit
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Seit den ersten Tagen ist eine Abnahme des Appetits und sichtbare Ergebnisse erscheinen auf der 3-4 Tag.
Es handelt sich also um ein Produkt, das 24 Stunden am Tag funktioniert.
Bei 99% wurde die Beschleunigung des Stoffwechsels bereits am 3.
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Ansonsten ist Burn XP ein Präparat, welches im wesentlichen die
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Sie sieht fantastisch aus und freut sich auf das enge Kleid,
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Auch online sind keine Hinweise auf Nebenwirkungen zu finden. Welche Nebenwirkungen gibt es?
Welche Bewertungen über Reduslim können Sie von ihnen hören?
Ja, die Reduslim-Kapseln können Sie wirksam beim Abnehmen unterstützen. Auch einige Händler bei Ebay bieten die Reduslim-Kapseln an. Weiterhin führt auch der
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En caso de experimentarlos, deben ser razón suficiente para suspender el tratamiento.
El producto resultó ser excepcionalmente positivo.
Estos datos han sido confirmados por estudios de laboratorio
sobre el producto y por la experiencia de médicos y usuarios.
Más información sobre cómo comprar Reduslim en Espańa.
Solo un profesional médico es quien puede tener los conocimientos plenos sobre si el producto que deseas consumir
te conviene o no. Consiste en eliminar calorías extra en forma de calor, lo cual
implica que Reduslim aumenta la sudoración y favorece la
eliminación de toxinas por lo que es importante mantenerse adecuadamente hidratado durante el uso de este producto.
Además, se eliminarán las toxinas y desaparecerán paralelamente las bolsas de los ojos y los hematomas, así como los edemas.
Empieza a funcionar literalmente desde las primeras horas de su ingesta, es perfectamente tolerado
por el organismo y tiene un efecto de acumulación. Se trata
de un potente Reduslim parafarmacia quemagrasas con un efecto tangible y sin rebote tras la interrupción. 4.
El efecto acumulativo de. El cuerpo puede, naturalmente,
fabricar algunos de con otros aminoácidos que incluyen la lisina y la metionina, siempre y cuando no hay suficiente
vitamina C. Se cree que la L-carnitina moviliza los ácidos grasos al
interior de las células para utilizarlos como energía.
Acetil L-Carnitina : se sugiere para normalizar el ciclo de sueńo y vigilia y debe tratar de reducir el aumento de ansiedad, depresión y neurosis de diversos orígenes.
Entre otros efectos provocados por el reduslim, tenemos la sensación de
saciedad gracias al glucomanano, además de la prevención de estreńimiento debido al aumento del volumen fecal.
Es así como este suplemento, mediante la cafeína, ayuda
a aumentar el metabolismo, a eliminar líquidos mediante el aumento de la producción de orina,
entre otros efectos positivos. Quemador de grasa ayuda a
lograr el resultado deseado a cualquier persona. Reduslim es un medicamento que ayuda a perder peso sin necesidad de hacer deporte ni dietas.
No es un medicamento. El fabricante no permite 3- Visite
el sitio web oficial del fabricante minoristas de fiestas para distribuir ReduSlim en la farmacia.
Y es que, en páginas web de ventas online como Amazon,
en el Mercadona o incluso en la farmacia de tu esquina, podrás
conseguir un frasco de cualquiera de las presentaciones con las que cuenta este fabricante.
Para comprar Reduslim original para adelgazar de forma segura, debe realizar un pedido solo en un sitio web
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Nutze dazu einfach die Kommentarfunktion unter diesem Beitrag. Nutzen Sie dazu einfach die Kommentarfunktion unter diesem Beitrag. Bisher wurden keine klinische Studien mit diesem Präparat durchgeführt. Wir konnten während unserer Recherchen keine Hinweise darauf finden, dass Reduslim in der Vergangenheit offiziellen Tests oder Studien unterzogen wurde. Von hier aus werde ich Euch über meine Erfahrungen und Tests berichten. Bislang hat die Stiftung Warentest über Reduslim jedoch noch nicht geschrieben und auch keine Tests durchgeführt, so dass Sie die Aktualisierungen nur auf der offiziellen Website verfolgen können. Weder die Stiftung Warentest noch ÖKO-Test haben Reduslim bisher getestet. Leider zeigen weder Diäten, noch anstrengendes Training in Fitnessstudios, noch teure Prozeduren in Schönheitssalons die gewünschte Wirkung; selbst wenn Sie es schaffen, ein paar Kilogramm zu verlieren, kommen sie nach einer Weile zurück (sie “fügen” auch zusätzliches Fett hinzu). Es ist kein Geheimnis, dass es eine enzymatische Insuffizienz von Bauchspeicheldrüse und Leber, Probleme mit der Darmperistaltik oder eine Gallenstauung sind, die zu Stoffwechselstörungen und ein paar zusätzlichen Pfunden führen. Denn am Ende ist genau die reduzierte Kalorienaufnahme das Geheimnis, wenn es darum geht, Gewicht zu verlieren. Wenn Sie sich fragen, ob Reduslim fake ist, lesen Sie die Zusammensetzung dieses Produkts. Die Zusammensetzung wirkt sich positiv auf die Arbeit aller Organe des Verdauungstraktes aus, normalisiert die Verdauung und entfernt alle “Schädlichkeiten” aus dem Körper.
Reduslim kann die Gewichtsreduktion unterstützen und die Fettverbrennung und den Stoffwechsel positiv beeinflussen. Sie haben immunmodulatorische Eigenschaften (sie wirken sich positiv auf die Schutzfunktionen des Körpers aus), sie regulieren Stoffwechselprozesse im Körper. Yacon-Wurzelextrakt. Es blockiert die Produktion von Enzymen, die für die Aufnahme von Fetten aus Lebensmitteln verantwortlich sind. Das durch Reduslim ausgelöste anhaltende Sättigungsgefühl wirkt sich vorteilhaft beim Durchhalten von Diäten aus. Beim Intervallfasten orientiert sich die erste Mahlzeit an einem Zeitraum von 16 Stunden seit der letzten Mahlzeit des Vortages. Seit dem letzten Treffen, dass etwas über eine Woche zurück lag, hatte er weitere 2,7 kg abgenommen. Woche 8 Erwartungsvoll und mit ein wenig Nervosität habe ich mich bewusst erst am letzten Tag meiner Diät auf die Waage gestellt. Um mich von der Wirkung von Reduslim zu überzeugen habe ich eine Freundin gebeten die Kapseln für mich zu testen. Auf zuckerhaltige Getränke und Lebensmittel habe ich bewusst verzichtet. Viele von denen, die das Medikament einnahmen, stellten fest, dass sie nach Abschluss des Kurses den Wunsch verloren hatten, Lebensmittel mit einem hohen glykämischen Index (Süßigkeiten, Kuchen, fettige Lebensmittel, frittierte) zu sich zu nehmen. Ich habe mich nur an die Anweisungen des Herstellers gehalten. Ich war trotzdem stolz auf mich.
Wie in der ersten Woche hielt ich mich auch in der zweiten Woche an die vorgeschriebene Verzehrempfehlung. Wie vom Hersteller empfohlen, habe ich jeden Tag morgens und abends eine Kapsel mit ausreichend Wasser eingenommen. Eine Kapsel morgens und abends vor einer Mahlzeit und schon würden die Pfunde dahin purzeln.Doch es klingt zu schön, um wahr zu sein. Der Hersteller empfiehlt, dass Du täglich morgens uns abends eine Kapsel mit ausreichend Wasser einnimmst. Wer steckt hinter dem Hersteller von Reduslim, der Best media web GmbH? Um die vom Hersteller angegebenen Ergebnisse zu erzielen, müssen Reduslim-Kapseln nur in Deutschland auf der offiziellen Website gekauft werden. Je nach Aktionszeitraum gibt es unterschiedliche Gutscheine bzw. Angebote, sodass Reduslim auch immer wieder zu einem günstigeren Preis gekauft werden kann. Es folgten weitere 2,5 kg, sodass ich bereits über 5 Kilo abgenommen hatte. In der dritten Woche habe ich leider nicht geschafft komplett auf zuckerhaltige Produkte zu verzichten aber dennoch konnte ich durch die Reduslim Kapseln wieder 2 Kilo abnehmen und auch mein Lieblingskleid passt mir endlich wieder! Gerade bei Nahrungsergänzungsmitteln (aber auch bei anderen Präparaten dieser Art) empfiehlt es sich diese immer genau nach Einnahmeempfehlung des Herstellers zu sich zu nehmen. Diese kann der Körper schneller verbrennen.
Auf diese Weise werden Sie direkt vom Callcenter des Unternehmens kontaktiert, um Ihre Bestellung zu bestätigen und den Versand zu vereinbaren. Ist Reduslim wirklich ein Wundermittel oder doch nur ein weiteres Versprechen, das nicht gehalten werden kann? Bei Reduslim handelt es sich um ein Nahrungsergänzungsmittel. Das Nahrungsergänzungsmittel ist derzeit nicht in den Apotheken erhältlich. Unique Reduslim Diätpillen werden nicht in Apotheken verkauft. Sie werden sowohl direkt vom Hersteller als auch von verschiedenen Ebay-Händlern angeboten. Beim Hersteller erhalten Sie die Kapseln zum Reduslim Preis von 78,00 für eine Packung mit vermutlich 10 Kapseln. Die Original Reduslim Kapseln kann man nur direkt beim Hersteller kaufen. Laut dem Hersteller sind in den Kapseln nur natürliche Inhaltsstoffe, wie hochdosiertes Garcinia Cambogia, welche die Fettverbrennung ankurbeln und deinem Körper zu einem schnelleren Stoffwechsel verhelfen sollen. Entsprechend groß ist die Unsicherheit bei den Verbrauchern, welche Mittel wirklich halten, was sie versprechen. Da es sich um ein rein pflanzliches Mittel handelt, sollte es frei von Nebenwirkungen sein.
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