European Sovereign Ratings Outlook Frank Gill, Senior Director, European Sovereign Ratings London, January 2012 Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. Copyright © 2011 Standard & Poor’s Financial Services LLC, a subsidiary of The McGraw-Hill Companies, Inc. All rights reserved. Global Sovereign FC Rating Upgrades, Downgrades, And Outlooks Source: Standard and Poor’s Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 2. Selected European FC Rating And Outlook Actions Source: Standard & Poor’s Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 3. FC Rating Changes and Affirmations Taken on the 13th of January 2012 FC Ratings Outlooks ST Ratings Prior Ratings Notches Difference Germany AAA Stable A-1+ AAA 0 Netherlands AAA Negative A-1+ AAA 0 Finland AAA Negative A-1+ AAA 0 Luxembourg AAA Negative A-1+ AAA 0 France AA+ Negative A-1+ AAA -1 Austria AA+ Negative A-1+ AAA -1 Belgium AA Negative A-1+ AA 0 Estonia AA- Negative A-1+ AA- 0 Slovenia A+ Negative A-1 AA- -1 Slovakia A Stable A-1 A+ -1 Spain A Negative A-1 AA- -2 Malta A- Negative A-2 A -1 Italy BBB+ Negative A-2 A -2 Ireland BBB+ Negative A-2 BBB+ 0 Cyprus BB+ Negative B BBB -2 Portugal BB Negative B BBB- -2 Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 4. EMU-15 Sovereign Ratings Peaked Over 5 Years Ago Source: Standard & Poor’s Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 5. Selected European Sovereign Spreads Source: Bloomberg Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 6. Eurozone Central Government Debt Average Weighted Yield Is Rising Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 7. Composition of Real GDP Growth by Country Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 8. Composition of Real GDP Growth by Country Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 9. Evolution Of Domestic Credit Growth (%, YoY) Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 10. Household Saving Rate Source: Eurostat Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 11. Prospects For Export-Led Growth Differ In Our View Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 12. We Believe Fiscal Deficits Will Come Down Only Gradually Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 13. Net General Government Debt and Interest Burden Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 14. Net International Investment Position (% of GDP) average 2000-10 2012 f. 2014 f. 110 90 70 50 30 10 -10 -30 -50 -70 -90 -110 -130 -150 Source: Standard & Poor‘s. Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 15. Greece Portugal Ireland Spain Estonia Slovakia Slovenia Italy Austria France Malta Finland Cyprus Germany Netherlands Belgium Luxembourg -170 Current Account Balance (% GDP) 10 average 2000-10 2012 f. 2014 f. 8 6 4 2 0 -2 -4 -6 -8 Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 16. Cyprus Greece Portugal Malta Spain Italy Slovakia France Slovenia Finland Belgium Estonia Ireland Austria Luxembourg Germany Netherlands -10 Current Account Balances Across Selected EMU Sovereigns Current Account Balance (In Billions of Euros) 200 150 Billions of Euros Surplus 100 Portugal Ireland 50 Greece Spain 0 Italy Germany -50 -100 -150 Deficit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Source: National Sources & Standard & Poor’s Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 17. Nominal G&S Exports/German G&S Exports France U.K. Netherlands 70% Spain Belgium Italy 60% 50% 40% 30% Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 18. 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 20% Narrow Net External Debt/Current Account Receipts (%) 2011 2013 average 2000-2010 For Greece average is taken for 2005-2010 Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 19. Malta Slovakia Belgium Estonia Cyprus Slovenia Germany Netherlands Austria Finland Italy France Ireland Portugal Spain Luxembourg Greece 650 550 450 350 250 150 50 -50 -150 Standard & Poor’s Rebalancing Progress Indicator Estonia Ireland Spain Portugal Greece Change in CAD/GDP 12.8 6.9 6.6 5.1 5.7 Change in unit labour costs -6.7 -11.5 -1.9 0.4 -0.6 Nominal exports over 2008, % change 35.3 14.6 11.8 4.3 -7.5 RPI 2011f vs 2008 18.3 11.0 6.8 3.0 -0.4 RPI 2010 vs 2008 6.5 6.6 0.8 -1.1 -4.3 Change in EFI from 2010-2011f 11.8 4.4 5.9 4.0 3.9 GDP Q3 2011, %Y/Y* 7.9 2.3 0.8 -1.7 -5.2 *Q2 2011 data for Ireland Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 20. Rebalancing Progress Indicator (RPI for 2010 and 2011f versus 2008) Rebalancing Progress Indicator (RPI for 2010 and 2011f versus 2008) Nominal NIA exports over 2008, % change Change in unit labour costs 19.0 Change in CAB/GDP 2010 vs 2008 14.0 2011f vs 2008 9.0 4.0 -1.0 -6.0 7.9% 2.3% 0.8% -1.7% -5.2% Q3 GDP %, y/y data point is below country name Estonia Ireland Spain Portugal Permission to reprint or distribute any content from this presentation requires the prior written approval of Standard & Poor’s. 21. Greece www.standardandpoors.com Copyright © 2011 by Standard & Poor’s Financial Services LLC (S&P), a subsidiary of The McGraw-Hill Companies, Inc. All rights reserved. No content (including ratings, credit-related analyses and data, model, software or other application or output therefrom) or any part thereof (Content) may be modified, reverse engineered, reproduced or distributed in any form by any means, or stored in a database or retrieval system, without the prior written permission of S&P. The Content shall not be used for any unlawful or unauthorized purposes. S&P, its affiliates, and any third-party providers, as well as their directors, officers, shareholders, employees or agents (collectively S&P Parties) do not guarantee the accuracy, completeness, timeliness or availability of the Content. S&P Parties are not responsible for any errors or omissions, regardless of the cause, for the results obtained from the use of the Content, or for the security or maintenance of any data input by the user. The Content is provided on an “as is” basis. S&P PARTIES DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE, FREEDOM FROM BUGS, SOFTWARE ERRORS OR DEFECTS, THAT THE CONTENT’S FUNCTIONING WILL BE UNINTERRUPTED OR THAT THE CONTENT WILL OPERATE WITH ANY SOFTWARE OR HARDWARE CONFIGURATION. In no event shall S&P Parties be liable to any party for any direct, indirect, incidental, exemplary, compensatory, punitive, special or consequential damages, costs, expenses, legal fees, or losses (including, without limitation, lost income or lost profits and opportunity costs) in connection with any use of the Content even if advised of the possibility of such damages. Credit-related analyses, including ratings, and statements in the Content are statements of opinion as of the date they are expressed and not statements of fact or recommendations to purchase, hold, or sell any securities or to make any investment decisions. S&P assumes no obligation to update the Content following publication in any form or format. The Content should not be relied on and is not a substitute for the skill, judgment and experience of the user, its management, employees, advisors and/or clients when making investment and other business decisions. S&P’s opinions and analyses do not address the suitability of any security. S&P does not act as a fiduciary or an investment advisor. While S&P has obtained information from sources it believes to be reliable, S&P does not perform an audit and undertakes no duty of due diligence or independent verification of any information it receives. S&P keeps certain activities of its business units separate from each other in order to preserve the independence and objectivity of their respective activities. As a result, certain business units of S&P may have information that is not available to other S&P business units. S&P has established policies and procedures to maintain the confidentiality of certain non–public information received in connection with each analytical process. S&P may receive compensation for its ratings and certain credit-related analyses, normally from issuers or underwriters of securities or from obligors. S&P reserves the right to disseminate its opinions and analyses. S&P's public ratingsorand analysesany arecontent made available onpresentation its Web sites,requires www.standardandpoors.com (free of of charge), and &www.ratingsdirect.com and www.globalcreditportal.com (subscription), and Permission to reprint distribute from this the prior written approval Standard Poor’s. 22. may be distributed through other means, including via S&P publications and third-party redistributors. Additional information about our ratings fees is available at www.standardandpoors.com/usratingsfees.