The NBS Head Office Building was built from 1888 – 1890, on the basis of blueprints designed by Konstantin Jovanovic (Vienna 1849 – Zurich 1923), son to distinguished artist Anastas Jovanovic...
The main indicators of bank performance are regulated by:
Below is the summary information contained in the above regulations.
In its operation, a bank is obliged to ensure that the amount of its capital is never below the dinar equivalent of EUR 10,000,000 at the NBS official middle exchange rate on the day the calculation is made.
The bank is obliged to ensure that its capital is always at the level required to provision for all the risks the bank is or may be exposed to in its operations, and no less than the sum required for maintaining the prescribed capital adequacy ratios, or, elevated ratios if the NBS set the CARs at a higher than prescribed level for a certain bank (when, during the prudential supervision of bank operations, the NBS established this requirement with a view to ensuring stable and safe bank operation, and the fulfilment of obligations to the creditors).
The bank is obliged to calculate the following ratios and maintain them, at any time, at the levels not lower than the prescribed levels:
A large exposure of a bank to a single person or a group of related persons is exposure of at least 10% of the bank’s capital, while the bank’s exposure to a single person or to a group of related persons is exposure of at least 25% of the bank’s capital.
The bank’s investment in a non-financial sector entity shall not exceed 10% of its capital;
The sum of the bank’s investments in non-financial sector entities, and in fixed assets and investment property shall not exceed 60% of its capital;
The bank is obliged to maintain the liquidity level in such a way that:
The liquidity ratio:
The ratio of the bank’s first-degree liquidity:
The bank is obliged to maintain the ratio of foreign currency assets and liabilities (FX risk ratio) at the end of each business day at the level that does not exceed 20%.
The bank is obliged to maintain the liquidity coverage ratio, collectively for all currencies at the level not lower than 100% (the bank is obliged to maintain the liquidity coverage ratio, collectively for all currencies at the level not lower than 80% until 31 December 2017, after which it is obliged to keep the ratio at the level not lower than 100%).