IMF: Annual average GDP growth for the period 2001–2010 was 7.7% making it one of the world's top ten countries with the highest annual average GDP growth. Tourism was Cambodia's fastest-growing industry, with arrivals increasing from 219,000 in 1997 to over 2 million in 2007. In 2004, inflation was at 1.7% and exports at US$1.6 billion. In the Cambodia country assessment "Where Have All The Poor Gone? Cambodia Poverty Assessment 2013", the World Bank concludes: "Over the seven years from 2004 through 2011, Cambodian economic growth was tremendous, ranking amid the best in the world. Moreover, household consumption increased by nearly 40 percent. And this growth was pro-poor—not only reducing inequality but also proportionally boosting poor people's consumption further and faster than that of the non-poor. As a result, the poverty rate dropped from 52.2 to 20.5 percent, surpassing all expectations and far exceeding the country's Millennium Development Goals (MDGs) poverty target. However, the majority of these people escaped poverty only slightly: they remain highly vulnerable—even to small shocks—which could quickly bring them back into poverty." "Two decades of economic growth have helped make Cambodia a global leader in reducing poverty. The success story means the Southeast Asian nation that overcame a vicious civil war now is classified as a lower-middle income economy by the World Bank Group (WBG). Among 69 countries that have comparable data, Cambodia ranked fourth in terms of the fastest poverty reduction in the world from 2004 to 2008. (See more details of Cambodia's achievements on poverty reduction. The poverty rate fell to 10 percent in 2013, and further reduction of poverty is expected for both urban and rural households throughout 2015–2016. However, human development, particularly in the areas of health and education, remains an important challenge and development priority for Cambodia" Oil and natural gas deposits found beneath Cambodia's territorial waters in 2005 yield great potential but remain mostly untapped, due in part to territorial disputes with Thailand. The National Bank of Cambodia is the central bank of the kingdom and provides regulatory oversight to the country's banking sector and is responsible in part for increasing the foreign direct investment in the country. Between 2010 and 2012 the number of regulated banks and micro-finance institutions increased from 31 covered entities to over 70 individual institutions underlining the growth within the Cambodian banking and finance sector. In 2012, Credit Bureau Cambodia was established with direct regulatory