The year 2015 promises to be more successful than the previous ones for the  world economy and its major sectors. For the automotive industry this means  the end of a five-year recession and the transition to the phase of  recovery. An increase of retail sales is expected in consumer goods  manufacturing. 2015 will be a more stable year for the financial sector. In  North America noticeable economic growth has already begun, and there is no  reason to predict this trend to stop. In emerging markets growth rates  slightly declined. In many countries, however, there are new opportunities  for domestic and foreign investors.