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Vujčić: With Croatia’s Entry into ERM II, the European Central Bank Takes Over Supervision of Croatian Banks

Boris Vujčić
Boris Vujčić

Croatia faces the task of meeting the Maastricht criteria, after a remarkable job was done in the past year leading up to its entry into ERM II, it was emphasized on Monday after the sixth session of the National Council for the Introduction of the Euro as the Official Currency in the Republic of Croatia.

The European Central Bank (ECB) and the European Commission (EC) announced on Friday that Croatia has entered the European Exchange Rate Mechanism (ERM II), which is a crucial step in the process of introducing the euro in Croatia, and the Croatian National Bank has established close cooperation with the European Central Bank. 

Deputy Prime Minister and Minister of Finance Zdravko Marić informed journalists in front of the Government Palace that the council meeting for the introduction of the euro discussed the achievements in the year leading up to the entry into ERM II. He assesses that everyone has done a great job, and believes that the congratulations from practically all leaders of European institutions that followed after Friday are proof of this, along with the expressed readiness for further dialogue and cooperation to implement this ‘important step’ within the timelines that align with some expectations.

Marić reminds that Croatia will spend at least two years in ERM II, and after that, especially upon meeting the criteria of nominal convergence, that is, the ‘Maastricht criteria’, the formal introduction of the euro is expected.

– However, this is a long enough period for all of us to prepare as well as possible, to meet those measures, so that the positive effects of introducing the euro are even more positive and greater, and that any potential problems or costs are minimized – said Marić.

When asked by journalists whether he expects a certain easing of the rules for joining the eurozone due to circumstances, Marić says that there are very measurable and clear quantitative criteria, and the experiences of Lithuania and Latvia, which did not meet them, show why their stay in ERM II was the longest. In the period ahead of us, there is practically no more political decision, but the decision relates to meeting the criteria, explains Marić, and whether there will be a correction of those criteria – ‘we will see about that later’.

The Maastricht criteria relate to exchange rate stability, price stability, interest rate stability, along with two important indicators concerning public finances – budget deficit and public debt.

Marić notes that fiscal rules are currently not a priority for any member state, their temporary suspension and deferral have been voted, but he also states that Croatia will strive to return to the planned fiscal criteria next year, in terms of a budget deficit within three percent and a downward trajectory of public debt.

Vujčić Announced the Adoption of a National Plan for the Replacement of the Kuna with the Euro in Autumn

The Governor of the Croatian National Bank (HNB) Boris Vujčić assesses that Croatia is in a good position to continue pre-crisis macroeconomic policies, as it has already met the Maastricht criteria. He also states that, considering the problems with the coronavirus pandemic, it is very good that the entry into ERM II has been completed within the expected timeframe.

– If the job had not been completed now, we would have practically lost much more time – said Vujčić.

With Croatia’s entry into ERM II, Vujčić reminds, the HNB has entered into a process of close cooperation with the European Central Bank (ECB), which means that from this autumn, Croatia de facto becomes a member of the banking union, meaning that the ECB, together with the HNB, takes over supervision of Croatian banks.

– Croatia and Bulgaria are the first two countries to enter the banking union before joining the eurozone, which means that the HNB will have a representative in the central supervisory body of the ECB, with the same rights and obligations as other eurozone members – explains Vujčić and adds that all this also implies entry into a common bank resolution system, and if in the future a resolution of some Croatian bank is needed, it will take place from a common fund from Brussels.

He announces the adoption of a national plan for the replacement of the kuna with the euro in autumn, which will define issues such as exchanging one currency for another, how loans and deposits will change, consumer protection from possible unjustified price increases, and similar. He assesses that citizens already feel the positive consequences of Croatia’s path to ERM II, and they will feel them even more now that entry into this mechanism has been achieved.

He explains that these processes represent good news for the markets, which ultimately leads to borrowing at lower interest rates, both for the state and for citizens.

Plenković: Croatia Has Fulfilled All Its Obligations

The sixth session of the National Council for the Introduction of the Euro as the Official Currency in the Republic of Croatia was chaired by Prime Minister Andrej Plenković, who, as the Government announced, reiterated that Croatia’s entry into ERM II is important from an economic and financial perspective, in terms of credit rating, investments, and financial stability.

– The fact that we are in the European Exchange Rate Mechanism (ERM II) should ensure that credit rating agencies continue to show us trust – stated Plenković.

Their recent reports concerning Croatia, the Prime Minister said, were a reflection of trust in our previous policy and our ability to emerge from this crisis strong enough, consolidated, and to have a rapid recovery in line with what other international financial institutions assess. He emphasized that Croatia has fulfilled all its obligations, and especially thanked the HNB and the State Bureau of Statistics, which played an ‘important role in fulfilling the action plan’.

He also reminded that a central parity between the kuna and the euro has been established at 7.53450 kuna, and notes that the next steps relate to a period in which Croatia will spend approximately up to three years, according to estimates and in accordance with the experiences of others, during which it must pay attention to meeting the Maastricht criteria.

Marić on Staying in the Government: Circumstances Require Maximum Dedication and Commitment

Journalists asked Minister Marić whether he will remain in the Government in the new mandate, to which he said that everything will be heard and that he believes the Prime Minister will announce everything in a very short time. When asked if he has at any point reconsidered his stay, Marić says that circumstances require maximum dedication and commitment from everyone.

– So do I, in accordance with that, considering the circumstances, and among other things, citizens said this in the elections, that continuity and stability are needed. I believe that we, especially as individuals, but also as a team, should provide an adequate response to such a demand from citizens – said Marić.

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