Facilitating finance for growth  Third, country experiences with the process of EU accession suggest that new or prospective members not only benefit from an economic and institutional anchor. Over time, they have also benefited from sizeable capital inflows from the euro area that have helped finance the transformation of their economies.
Since sales of servicing assets, especially for seasoned loans, is so irregular, it is often difficult to validate the model against actual values seen in the market. Thus, auditing model-based accounting requires a high level of specialized knowledge.