– (4) From 2012 onwards there will be the additional requirement for persons aged less than 70 that their pension be equal to at least 1.5 times the old-age allowance. – (5) For employees. The figure for self-employed workers is shown in brackets.
BIS central bankers' speeches  21  Figure 1  Net borrowing (+) and lending (-) in the euro-area countries in 2010 (as a percentage of GDP) 34.5  34.5  33.0  33.0  31.5  31.5  30.0  30.0  7.5  7.5  6.0  6.0  4.5  4.5  3.0  3.0  1.5  1.5  0.0  0.0  -1.5  -1.5 Sp  Ita  N  et h  lg i  Au  G er  ta Be  M al  Es  Lu  ai n Po rtu ga l G re ec e Ire la nd Eu ro ar ea  9.0  ly er la nd s C yp ru s Sl ov en ia Fr an ce Sl ov ak ia  9.0  st ria  10.5  m an y  10.5  um  12.0  to ni a xe m bo ur g Fi nl an d  12.0  Source: European Commission, Autumn Forecasts (2011).