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9 th Interbalkan Forum of Banking Associations Podgorica, May 9 th, 2008.

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Presentation on theme: "9 th Interbalkan Forum of Banking Associations Podgorica, May 9 th, 2008."— Presentation transcript:

1 9 th Interbalkan Forum of Banking Associations Podgorica, May 9 th, 2008

2 Montenegro and Banking Sector in 2007 M. Sc. Econ Nebojsa Djokovic M. Sc. Econ Nebojsa Djokovic Advisor in AMB Phone:

3 Podgorica-Montenegro 9 th Interbalkan Forum 2008 CONTENT OF THE PRESENTATION CONTENT OF THE PRESENTATION I Montenegro in brief I Montenegro in brief II Presenting AMB II Presenting AMB III Performance Results of the Banking Sector in 2007 III Performance Results of the Banking Sector in 2007

4 I Montenegro in brief FLAG

5 I Montenegro in brief Montenegro is located in the Western Balkans, bordering Serbia, Croatia, BiH and Albania Montenegro is located in the Western Balkans, bordering Serbia, Croatia, BiH and Albania The country has 293 kilometres of coastline The country has 293 kilometres of coastline Population: Population: Area: km2 Area: km2

6 I Montenegro in brief MAP OF MONTENEGRO

7 II Presenting AMB Constituent Assembly-December 7,2000 Constituent Assembly-December 7,2000 The Association members are all banks of Montenegro The Association members are all banks of Montenegro Today we have 11 members Today we have 11 members General Secretary Mr. Mirko Radonjic General Secretary Mr. Mirko Radonjic

8 I Montenegro in brief Economy Since 2002, the national currency is EURO Before that, it was DEM and Yugo. Dinar

9 I Montenegro in brief Economy Description/Period GDP(in mil. euros) 2.148, ,14 Per capita GDP growth rate 8,67,0 Living costs-annual rate 2,87,7 Retail prices –annual rate 2,08,0 Number of unemployed (December) Unemployment rate 14,73%11,92% Average gross income in EUR Average net income in EUR Number of employed people (December) Employed people–annual average

10 I Montenegro in brief Economy The largest foreign investors in the country have been : Russia, Cypress, UK… The largest foreign investors in the country have been : Russia, Cypress, UK… Total in 2007 – euros Out of this amount, investments in companies and banks in 2007 : euros Sale of property abroad euros Sale of property in the country: euros Inter-company debt: euros

11 I Montenegro in brief Economy The largest foreign investors: in EUR The largest foreign investors: in EUR Russian Federation ( ) Russian Federation ( ) Cypress ( ) Cypress ( ) Switzerland ( ) Switzerland ( ) UK ( ) UK ( ) Austria ( ) Austria ( ) Serbia ( ) Serbia ( ) USA ( ) USA ( )

12 II Presenting AMB The Association was founded in Podgorica on 7 th December The Association was founded in Podgorica on 7 th December The Association is a non-profit organization established to advance its members business, organize and establish cooperation with local and international partners, advocate and protect common interests of its members before the Central Bank, competent authorities and organizations and international organizations and institutions. The Association is a non-profit organization established to advance its members business, organize and establish cooperation with local and international partners, advocate and protect common interests of its members before the Central Bank, competent authorities and organizations and international organizations and institutions.

13 II Presenting AMB Members : Montenegrobanka NLB Podgorica Montenegrobanka NLB Podgorica Hipotekarna Bank Podgorica Hipotekarna Bank Podgorica Podgoricka Bank SGG Podg. Podgoricka Bank SGG Podg. Montenegrin Commercial Bank OTP Group Podg. Montenegrin Commercial Bank OTP Group Podg. First Bank of Montenegro Niksic First Bank of Montenegro Niksic Atlasmont Bank Podg. Atlasmont Bank Podg. Invest Bank Montenegro Pod. Invest Bank Montenegro Pod. Commercial Bank Budva Commercial Bank Budva Opportunity Bank Pod. Opportunity Bank Pod. First Financial Bank Podgorica First Financial Bank Podgorica Hypo-Alpe –Adria Bank Podgorica Hypo-Alpe –Adria Bank Podgorica

14 II Presenting AMB AMB is member of IBF AMB is member of IBF AMB is associate member of EBF AMB is associate member of EBF AMB has good cooperation with ATTF (Luxemburg) and WIB (Poland) AMB has good cooperation with ATTF (Luxemburg) and WIB (Poland) AMB has own magazine The Banker AMB has own magazine The Banker

15 II Presenting AMB Commissions of the AMB Commission for Prevention of Money Laundering Commission for Prevention of Money Laundering Internal Audit Commission Internal Audit Commission Retail Commission Retail Commission Legal Issues Commission Legal Issues Commission In-land Payment Operations Co. In-land Payment Operations Co. International Transactions Co. International Transactions Co. Comm.for Monetary and Credit Pol. Comm.for Monetary and Credit Pol. Comm.for Standardisation of Banks Procedures Comm.for Standardisation of Banks Procedures Accounting Commission Accounting Commission

16 III Performanse Results of the Banking Sector in 2007 General Data from the Balance Sheet of Banks (in 000 EUR) General Data from the Balance Sheet of Banks (in 000 EUR) Description % Variation Total Assets ,9 Total Capital ,3

17 III Performance Results in the Banking Sector 2007 Ownership structure of total bank capital, end of year, % Ownership structure of total bank capital, end of year, % Description /Period 31 Dec Dec 2007 % Variation State Domestic private capital Foreign capital Total:

18 III Performance Results of the Banking Sector in 2007 Loans and leasing receivables Loans and leasing receivables Description/Peri od 31 Dec Dec 07 % Variation Total loans and receivables in leasing ,2 Corporate loans ,4 Loans to physical persons (including credit cards) ,5 Other ,2

19 III Performance Results in Banking Sector in 2007 Total bank deposits Total bank deposits Description/ Period 31 Dec Dec 07 % Variation Total deposits 1,075,766 2,091, Corporate deposits 364, , Deposits of physical persons 499,376 1,019, Other 212, ,

20 III Performance Results in Banking Sector in 2007 Financial results of banks in EUR thousands Financial results of banks in EUR thousands Description/Pe riod % Variation Profit 9,009 13,

21 III Performance Results of the Banking Sector in 2007 Average of available liquid assets and bank payments made, in euro thousands Average of available liquid assets and bank payments made, in euro thousands Description/ Period Available liquid bank assets 267, ,216 Payments made 27,33746,708

22 III Performance of the Banking sector in 2007 Interest rates Interest rates Period Description/monthNominalRealNominalReal I II II III III IV IV V VI VI VII VII VIII VIII IX IX9,6210,818,439,03 X9,5010,568,489,04 XI XI9,2710,348,439,14 XII XII9,069,948,349,09

23 P ODGORICA, M ontenegro, 9 th IBF of Banking Associations THANK YOU FOR YOUR ATTENTION ! THANK YOU FOR YOUR ATTENTION !


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