Regulations

- Decision on Open Market Operations
(OGM 15/11)

- Decision on detailed conditions for granting loans to banks in case of their liquidity needs
(OGM 82/17)

Decision on Bank Reserve Requirement to be Held With the Central Bank of Montenegro 
(OGM 88/17)

- Decision establishing the forms for the submission of information on lending activity
(OGM 16/18)

- Decision on documents supporting the request for granting approvals under the Banking Law 
(OGM 57/08, 80/10) - Unofficially consolidated translation
- Annex

• Decision amending the Decision on documents supporting the request for granting approvals under the Banking Law (OGM 80/10)

• Decision on documents supporting the request for granting approvals under the Banking Law 
  (OGM 57/08)

- Decision on more detail requirements to be met by the member of the bank’s board of directors 
(OGM 80/10)

- Decision on capital adequacy of banks 
(OGM 38/11, 55/12, 82/17) - Unofficially consolidated translation

• Decision supplementing the Decision on Capital Adequacy of Banks (OGM 82/17)

• Decision amending the Decision on Capital Adequacy of Banks (OGM 55/12)

• Capital adequacy decision (OGM 38/11)

- Decision on Minimum Standards for Operations with Bank Related Parties (OGM 60/08)

- Decision on minimum standards for liquidity risk management in banks (OGM60/08)

- Decision on Minimum Standards for Credit Risk Management in Banks
 (OGM 22/12, 55/12, 57/13, 44/17, 82/17, 86/18) - Unofficially consolidated translation

• Decision Amending the Decision on Minimum Standards for Credit Risk Management in Banks
  (OGM 42/19) - it shall apply from 1 January 2020

• Decision Amending the Decision on Minimum Standards for Credit Risk Management in Banks 
  (OGM 86/18) 

• Decision Amending the Decision on Minimum Standards for Credit Risk Management in Banks
  (OGM 82/17)

• Decision Supplementing the Decision on Minimum Standards for Credit Risk Management in Banks 
  (OGM 44/17)

• Decision Amending the Decision on Minimum Standards for Credit Risk Management in Banks 
  (OGM 57/13)

• Decision Amending the Decision on Minimum Standards for Credit Risk Management in Banks 
  (OGM 55/12)

• Decision on Minimum Standards for Credit Risk Management in Banks 
  (OGM 22/12)

- Decision on the Manner of Calculating Bank Exposuress (OGM 15/12)

- Decision on Minimum Standards for Market Risks Management in Banks (OGM 60/08)

- Decision on methods for preparation of the consolidated financial reports of the banking group 
(OGM 24/09)

- Decision on Minimum Standards for Operational Risk Management in Banks (OGM 24/09)

- Decision on minimum standards for interest rate risk management not originating from bank's trading activities (OGM 60/08)

- Decision on Methodology for Country Risk Measurement in Banks (OGM 60/08, 51/13)

• Decision supplementing the Decision on Methodology for Country Risk Measurement in Banks 
  (OGM 51/13)

• Decision on Methodology for Country Risk Measurement in Banks (OGM 60/08)

- Decision on minimum standards for bank investment in immovable property and fixed assets 
(OGM 24/09, 66/10, 58/11, 61/12, 13/13, 51/13, 16/15, 82/17) - Unofficially consolidated translation

• Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (OGM 82/17)

• Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (OGM 16/15)

• Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (OGM 51/13)

• Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (OGM 13/13)

• Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (OGM 61/12)

• Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (OGM 58/11)

• Decision amending the Decision on minimum standards for bank investment in immovable properties and fixed assets (OGM 66/10)

• Decision on minimum standards for bank investment in immovable property and fixed assets 
  (OGM 24/09)

- Decision on Reporting to the Central Bank of Montenegro 
(OGM 64/12, 83/17, 24/18, 39/18) - Unofficially consolidated translation

ANNEXES 

• Decision amending the Decision on Reporting to the Central Bank of Montenegro 
  (OGM 83/17)
  ANNEXES
  
  

• Decision on Reporting to the Central Bank of Montenegro 
  (OGM 64/12)
  ANNEXES

- Decision on Public Disclosure of Data and Information by Banks (OGM 02/12)

- Decision on the content, deadlines and manner of compiling and submitting bank’s financial statements (OGM 15/12, 18/13, 24/18) - Unofficially consolidated translation

• Decision amending the Decision on the content, deadlines and manner of compiling and submitting bank’s financial statements (OGM 24/18)

• Decision amending the Decision on the content, deadlines and manner of compiling and submitting bank’s financial statements (OGM 18/13)

• Decision on the content, deadlines and manner of compiling and submitting bank’s financial statements (OGM 15/12)

- Decision on the methods for preparing the consolidated financial reports of the banking group 
(OGM 24/09)

- Decision on Chart of Accounts for Banks (OGM 82/17)

- ANNEX

- Guidance on the Manner of Recording Loan Loss Provisions, Value Adjustments and Written off Items of the on-Balance Sheet Assets When Determining Opening Balance in Banks’ Business Books for 2013 
(OGM 61/12)

- Decision on the Basics of Internal Control System in Banks (OGM 60/08)

- Decision on Internal Audit in Banks (OGM 60/08)

- Decision on the Banking Ombudsman 
(OGM 15/09, 02/12) - Unofficially consolidated translation

• Decision amending the Decision on Banking Ombudsman (OGM 02/12)

• Decision on the Banking Ombudsman (OGM 15/09)

- Decision on the content and manner of keeping registers of banks, MFIs, credit unions, branches of foreign banks, representative offices of foreign legal entities and legal persons engaged in credit guarantee operations 
(OGM 60/08)

- Decision on Credit registry 

(OGM 39/18, 18/19) - Unofficially consolidated translation

• Decision amending the Decision on Credit Registry 
  (OGM 18/19) 
• Decision on Credit registry 
  (OGM 39/18) 
  

- Guidelines for Developing Risk Analysis and Risk Factors for the Purposes of Prevention of Money Laundering and Terrorist Financing by Reporting Entities under the Supervision of the Central Bank of Montenegro (OGM 22/19) 

- Guidelines on implementation of international restrictive measures by banks and financial institutions and supervision of the implementation of these measures

 - Decision on the supervision over the implementation of the Law on the Conversion of Swiss Franc (CHF) – Denominated Loans into Euro (EUR) – Denominated Loans 
(OGM 49/15, 63/16) - Unofficially consolidated translation

• Decision amending the Decision on the supervision over the implementation of the Law on the Conversion of Swiss Franc (CHF) – Denominated Loans into Euro (EUR) – Denominated Loans 
  (OGM 63/16)

• Decision on the supervision over the implementation of the Law on the Conversion of Swiss Franc (CHF) – Denominated Loans into Euro (EUR) – Denominated Loans (OGM 49/15)

- Decision on documents supporting the request for granting approvals under the Law governing financial leasing, factoring, purchase of receivables, micro-lending and credit-guarantee operations (OGM  24/18)

- Decision on Minimum Standards for Risk Management in Financial Services Providers 
(OGM 24/18)

- Decision on Financial Services Providers' Reporting to the Central Bank of Montenegro 
(OGM 24/18)

ANNEXES

- Decision on the Manner of Calculating Capital Adequacy Ratio of the Investment and Development Fund of Montenegro (OGM 79/18) 

- Decision on minimum standards for risk management in the Investment and Development Fund of Montenegro (OGM 79/18)

- Decision on the uniform manner of calculation and reporting of effective interest rate on loans and deposits (OGM 51/13, 52/14) - Unofficially consolidated translation

• Decision amending the Decision on uniform manner of calculating and reporting effective interest rate on loans and deposits (OGM 52/14)

• Decision on the uniform manner of calculation and reporting of effective interest rate on loans and deposits (OGM 51/13)

- Decision on registration of credit intermediaries with the Central Bank of Montenegro 
(OGM 51/13)

- Decision on the content of the form for informing consumers on consumer loans 
(OGM 51/13)

Decision on the structure, more detail conditions and manner of transaction account opening and closing 
(OGM 48/14, 24/16, 14/17) - Unofficially consolidated translation

• Decision amending the Decision on the structure, more detail conditions and manner of transaction account opening and closing (OGM 14/17)

• Decision supplementing the Decision on the structure, more detail conditions and manner of transaction account opening and closing 
  (OGM 24/16)

• Decision on the structure, more detail conditions and manner of transaction account opening and closing 
  (OGM 48/14)

Decision on the Contents of the Central Registry of Transaction Accounts 
(OGM 48/14, 32/15) - Unofficially consolidated translation

• Decision amending the Decision on the Contents of the Central Registry of Transaction Accounts 
  (OGM 32/15)
• Decision on the contents of the Central Registry of Transaction Accounts 
  (OGM 48/14)

Decision on core elements of the payment orders for executing national payment transactions via transaction accounts (OGM 48/14)

Decision on detailed conditions for providing activities of the payment service agent 
(OGM 48/14)

Decision on the manner of keeping the register of payment institutions and the register of electronic money institutions (OGM 48/14)

Decision on protection of payment service users’ funds and funds received in exchange for issued electronic money (OGM 48/14)

Decision on own funds of payment institutions 
(OGM 48/14)

Decision on own funds of electronic money institutions 
(OGM 48/14)

Decision on minimum value of payment transactions to be processed in RTGS system 
(OGM 48/14)

Decision on payment system oversight 
(OGM 48/14)

Decision repealing some enabling regulations concerning national payment system  
(OGM 48/14)

Decision on Payment System Reporting to the Central Bank of Montenegro
(OGM 82/17)

Annexes

Operating rules of the Central bank of Montenegro Payment System 
(OGM 48/14 and 57/14) - Unofficially consolidated translation

• Rules supplementing operating rules of the Central bank of Montenegro Payment system 
  (OGM 57/14)
  

• Operating rules of the Central bank of Montenegro Payment System 
  (OGM 48/14)

- Decision on clearing of international payments 
(OGM 20/08)

- Decision on detailed requirements and manner of performing bureau de change operations 
(OGM 27/11)

- Decision on the unique blank form bill (OGRM 81/05)

- Decision on putting into circulation, the sale price and the withdrawing from circulation of the unique blank form bills (OGRM 01/06)

- Decision repealing the Decision on carrying out the enforcement collection from the judgment debtor’s account
(OGM 15/12)

- Instructions for detailed manner of carrying out the enforcement on monetary assets held on the account of the judgment debtor
(OGM 16/12)

- Decision establishing the electronic messages for carrying out the enforced collection
(OGM 16/12)

- Decision on International Reserves Management
(OGM 19/11, 88/17)

•  Decision Amending the Decision on International Reserves Management
  (OGM 88/17)

•  Decision on International Reserves Management
  (OGM 19/11)

Balance of payments statistics

- Decision on Keeping Separate Records on Foreign Current and Capital Transactions and their Reporting to the Central Bank of Montenegro (OGM 08/17, 18/19) - Unofficially consolidated translation

   - Form GU-1           
   - Form GU-2           

   - Form DI-1           
   - Form DI-2            

   - Form KZ-1       

   - Form KO-1            

   - Form TK-1       

   - Form TK-2       

   - Form RN-1            

   - Instruction for filling in Forms
   - USER GUIDES

• Decision amending the Decision on keeping separate records on foreign current and capital transactions and their reporting to the Central Bank of Montenegro (OGM 18/19)
• Decision on Keeping Separate Records on Foreign Current and Capital Transactions and their Reporting to the Central Bank of Montenegro (OGM 08/17)

- Decision on the Amount of Cash that May be Brought into or Leave Montenegro Without Declaring 
(OGM 38/10)

- Decision on Statistical Data to be Submitted to the Central Bank of Montenegro for the Purpose of Compiling the Balance of Payments Statistics (OGM 61/12, 24/18) - Unofficially consolidated translation

• Decision amending the Decision on Statistical Data to be Submitted to the Central Bank of Montenegro for the Purpose of Compiling Balance of Payments of Montenegro (OGM 24/18)

• Decision on Statistical Data to be Submitted to the Central Bank of Montenegro for the Purpose of Compiling the Balance of Payments of Montenegro (OGM 61/12)

Statistics of monetary financial institutions

- Decision on Chart of Accounts for Banks (OGM 82/17)
  ANNEX

- Decision on Reporting to the Central Bank of Montenegro 
(OGM 64/12, 83/17, 24/18, 39/18) - Unofficially consolidated translation

  ANNEXES 

- Decision on the Chart of Accounts of the Central Bank of Montenegro 
(OGM 88/17)

  ANNEX

Statistics of other financial institutions

- Decision on Financial Services Providers' Reporting to the Central Bank of Montenegro 
(OGM 24/18)

  ANNEXES

Interest rates statistics

- Decision on the uniform manner of calculation and reporting of effective interest rate on loans and deposits (OGM 51/13, 52/14) - Unofficially consolidated translation

- Decision on Credit registry 

(OGM 39/18, 18/19) - Unofficially consolidated translation

- Decision on the Supply of Banknotes and Coins
("Official Gazette of MNE”, no. 19/11)

• Annex 1

• Annex 2

• Annex 3

- Decision on Authenticity and Fitness Checking and Recirculation of Euro Banknotes and Coins 
(OGM 35/11, 61/18) - Unofficially consolidated translation

• Decision amending the Decision on Authenticity and Fitness Checking and Recirculation of Euro Banknotes and Coins 
  (OGM 61/18)
• Decision on Authenticity and Fitness Checking and Recirculation of Euro Notes and Coins 
  (OGM 35/11)

- Decision on the Handling of Suspect Euro Banknotes and Coins and Other Activities Aimed at Protecting the Euro against Counterfeiting 
(OGM 35/11, 61/18) - Unofficially consolidated translation

• Decision amending the Decision on the Handling of Suspect Euro Banknotes and Coins and Other Activities Aimed at Protecting the Euro against Counterfeiting 
  (OGM 61/18)
• Decision on the Handling of Suspect Euro Notes and Coins and Other Activities Aimed at Protecting the Euro Against Counterfeiting 
  (OGM 35/11)

- Decision on medals and tokens similar to euro coins 
(OGM 44/14, 61/18) - Unofficially consolidated translation

• Decision amending the Decision on medals and tokens similar to euro coins 
  (OGM 61/18)
• Decision on medals and tokens similar to euro coins 
  (OGM 44/14)

- Decision on the Reproduction of Euro Banknotes
(OGM 61/18)

- Decision on issuing gold and silver jubilee coins
(OGM 24/16)

- Decision on Gold and Silver Jubilee Coins Using and Packaging
(OGM 31/16, 25/17) - Unofficially consolidated translation

• Decision amending the Decision on Gold and Silver Jubilee Coins Using and Packaging
  (OGM 25/17)

• Decision on Gold and Silver Jubilee Coins Using and Packaging 
  (OGM 31/16)

- Decision On changes in Prices of Commemorative Coins Issued
(OGM 13/11, 25/17) - Unofficially consolidated translation

• Decision amending the Decision on Changes in Prices of Commemorative Coins Issued
  (OGM 25/17)

• Decision On Changes in Prices of Commemorative Coins Issued 
  (OGM 13/11)

- Decision on the Manner of Using the Collections of Commemorative Montenegrin Coins Issued on the Occasion of Celebrating the Centenary of Minting the First Montenegrin State Coins
(OGRM 37/06, OGM 09/07, 13/11) - Unofficially consolidated translation

• Decision amending the decision on the Manner of Using the Collections of Commemorative Montenegrin Coins Issued on the Occasion of Celebrating the Centenary of Minting the First Montenegrin State Coins
  (OGM 09/07)

• Decision on the Manner of Using the Collections of Commemorative Montenegrin Coins Issued on the Occasion of Celebrating the Centenary of Minting the First Montenegrin State Coins 
  (OGRM 37/06)

- Decision on establishing the collections of commemorative Montenegrin coins
(OGRM 31/06)

- Decision on issuing commemorative gold coins
(OGRM 31/06)

- Decision on Issuing Commemorative Coins – Alloys
(OGRM 31/06)

- Decision on issuing commemorative silver coins
(OGRM 31/06)

Decision on the Manner of using the Commemorative Montenegrin Coins issued on the Occasion of celebrating the Anniversary of Central Bank of Montenegro’s Commencement of Operation
(OGRM 01/03, 50/04, OGM 13/11)

• Decision amending the Decision on the Manner of using the Commemorative Montenegrin Coins issued on the Occasion of celebrating the Anniversary of Central Bank of Montenegro’s Commencement of Operation
  (OGRM 50/04)

• Decision on the Manner of using the Commemorative Montenegrin Coins issued on the Occasion of celebrating the Anniversary of Central Bank of Montenegro’s Commencement of Operation
  (OGRM 1/03)

- Decision on establishing the collections of commemorative Montenegrin coins
(OGRM 45/02)

- Decision on issuing commemorative gold coins
(OGRM 45/02)

- Decision on Issuing Commemorative Coins – Alloys
(OGRM 45/02)

- Decision on issuing commemorative silver coins
(OGRM 45/02)

- Decision on Performing Custody Operations 
(OGM 34/17)

- Decision on the Chart of Accounts of the Central Bank of Montenegro 
(OGM 88/17)

ANNEX

- Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services 
(OGM 29/11, 22/12, 58/13, 12/14, 22/14, 48/14, 32/15, 15/17, 18/17, 24/18) - Unofficially consolidated translation

• Decision amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services (OGM 24/18)

• Corrigendum to the Decision amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services (OGM 15/17) 
  (OGM 18/17)

• Decision amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services 
  (OGM 15/17)

• Decision amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services 
  (OGM 32/15)

• Decision Amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services 
  (OGM 48/14)

• Decision supplementing the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services 
  (OGM 22/14)

• Decision supplementing the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services 
  (OGM 12/14)

• Decision Amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services 
  (OGM 58/13)

• Decision Amending the Decision on Determining Tariffs for Calculating Fees Charged for the Central Bank of Montenegro Services 
  (OGM 22/12)

• Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services 
  (OGM 29/11) 

- Rulebook on the Implementation of Small Value Procurement