Regulations

- Decision on Reserve Requirements of Credit Institutions at the Central Bank of Montenegro 
(OGM 19/22)

- Annexes 

- 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 the Countercyclical Capital Buffer Rate for the Third Quarter of 2022
(OGM 65/22)   

- Decision on Applying the Structural Systemic Risk Buffer
(OGM 139/21)

- Decision on Interim Measures to Mitigate Negative Impact of the Communicable Disease Covid-19 Epidemic and the Situation in Ukraine on the Financial System
(OGM 138/21, 54/22) - Unofficially consolidated translation

• Decision supplementing the Decision on Interim Measures to Mitigate Negative Impact of the Communicable Disease Covid-19 Epidemic on the Financial System
  (OGM 54/22)
• Decision on Interim Measures to Mitigate Negative Impact of the Communicable Disease Covid-19 Epidemic on the Financial System
  (OGM 138/21)

- Decision Establishing the Forms for the Submission of Information on Lending Activity
(OGM 16/18)

- Decision on Macroprudential Measures Related to Retail Loans Granted by Credit Institutions
(OGM 138/21)

- Decision on the Content, Deadlines and Method of Compiling and Submitting Bank’s Financial Statements
(OGM 34/22) 

- Decision on the Criteria for Identifying Critical Functions and Core Business Lines of a Credit Institution
(OGM 19/22) 

- Decision on Banks’ and Central Bank of Montenegro Actions until the Beginning of the Implementation of Regulations Governing Establishment, Operations and Supervision of Banks (OGM 16/21)

- Decision on Minimum Standards for Risk Management in Credit Institutions
(OGM 134/21)

- Decision on Governance Arrangements in Credit Institutions
(OGM 119/20)

- Decision on More Detailed Requirements for Selection and Appointment of Members of the Management Body and Holders of Core Functions in a Credit Institution
(OGM 119/20)

- Decision on the Content and Manner of Keeping a Registry of Credit Institutions
(OGM 126/20)

- Decision on Doing Business with Persons Connected with a Credit Institution
(OGM 126/20)

- Decision on Minimum Standards for Investment of Credit Institutions in Immovable Property and Fixed Assets
(OGM 126/20)

- Decision on the Method of Calculating Maximum Distributable Amount in Credit Institutions
(OGM 126/20)

- Decision on the Criteria and the Manner of Classification of Assets and Calculation of Provisions for Potential Loan Losses of a Credit Institution
(OGM 127/20, 140/21) - Unofficially consolidated translation

• Decision amending the Decision on the Criteria and the Manner of Classification of Assets and Calculation of Provisions for Potential Loan Losses of a Credit Institution
  (OGM 140/21)
• Decision on the Criteria and the Manner of Classification of Assets and Calculation of Provisions for Potential Loan Losses of a Credit Institution
  (OGM 127/20)

- Decision on Remuneration in Credit Institutions
(OGM 127/20)

- Decision on Recovery Plans of Credit Institutions
(OGM 127/20, 19/22) - Unofficially consolidated translation

• Decision amending the Decision on Recovery Plans of Credit Institutions
  (OGM 19/22)
• Decision on Recovery Plans of Credit Institutions
  (OGM 127/20)

- Decision on the Manner of Calculating Specific Countercyclical Capital Buffer Rate of a Credit Institution
(OGM 127/20)

- Decision on Methods for Consolidation of Members of a Group of Credit Institutions
(OGM 127/20)

- Decision on Identifying other Systemically Important Credit Institutions
(OGM 127/20)

- Decision on the Criteria and Documentation for Assessing the Suitability and Financial Soundness of the Acquirer of a Qualifying Holding in a Credit Institutionfor
(OGM 127/20)

- Decision on Documentation Attached to the Application for Granting the Authorisations under the Law on Credit Institutions
(OGM 127/20)

- Decision on Documentation Supporting the Application for Granting the License to a Credit Institution
(OGM 127/20)

- Decision on Liquidity Risk Management in Credit Institutions
(OGM 127/20, 140/21) - Unofficially consolidated translation

• Decision amending the Decision on Liquidity Risk Management in Credit Institutions
  (OGM 140/21)
• Decision on Liquidity Risk Management in Credit Institutions
  (OGM 127/20)

- Decision on Internal Capital Adequacy Assessment of a Credit Institution
(OGM 127/20)

- Decision on Managing Outsourcing-Related Risks
(OGM 127/20)

- Decision on Large Exposures of Credit Institutions
(OGM 127/20, 140/21) - Unofficially consolidated translation

• Decision amending the Decision on Large Exposures of Credit Institutions
  (OGM 140/21)
• Decision on Large Exposures of Credit Institutions
  (OGM 127/20)

- Decision on Chart of Accounts for Credit Institutions
(OGM 128/20)  

- Decision on Reporting to the Central Bank of Montenegro 
(OGM 128/20)
- Annexes

- Decision on Capital Adequacy of Credit Institutions
(OGM 128/20, 140/21) - Unofficially consolidated translation

• Decision amending the Decision on Capital Adequacy of Credit Institutions
  (OGM 140/21)
• Decision on Capital Adequacy of Credit Institutions
  (OGM 128/20)

- Decision on Public Disclosure of Information by a Credit Institution
(OGM 128/20)  

- 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 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 the Criteria for Identifying Critical Functions and Core Business Lines of a Credit Institution
(OGM 19/22) 

- Decision on Detailed Manner of Valuation of Assets and Liabilities before Taking Resolution Action or Exercising the Power to Write Down or Convert Relevant Capital Instruments
(OGM 45/21) 

- Decision on Methodologies and Criteria for Determining the Amount of Liabilities Arising from Derivatives
(OGM 116/20) 

- Decision on Minimum List of Services, Facilities or Equipment Necessary for Enabling a Recepient Undertaking to Operate a Business Transferred to it from a Credit Institution under Resolution
(OGM 116/20) 

- Decision on Detailed Conditions for Granting Deferral of Payment of Ex-Post Contributions to a Credit Institution into the Resolution Fund
(OGM 116/20) 

- Decision on Notifications about Resolution of a Credit Insitution
(OGM 116/20) 

- Decision on the More Detail Content of a Reorganisation Plan of a Credit Institution under Resolution and the Manner of Reporting on the Implementation of the Plan
(OGM 116/20) 

- Decision on Detailed Content of Resolution Plans for Credit Institutions and Group Resolution Plans
(OGM 116/20) 

- Decision on the Methodology for Valuation of Assets of the Credit Institution under Resolution Proceedings after Carrying out the Transfer of a Part of the Rights, Assets and Liabilities or after Applying the Bail-In Tool
(OGM 122/20) 

• Corrigendum to the Decision on the Methodology for Valuation of Assets of the Credit Institution under Resolution Proceedings after Carrying out the Transfer of a Part of the Rights, Assets and Liabilities or after Applying the Bail-In Tool
  (OGM 124/20) 

- Decision on Conditions to be Met by an Independent Valuer of Assets and Liabilities of a Credit Institution under Resolution
(OGM 122/20) 

• Corrigendum to the Decision on Conditions to be Met by an Independent Valuer of Assets and Liabilities of a Credit Institution under Resolution
  (OGM 124/20) 

- Decision on More Detailed Regulation of Contractual Recognition of Write-Down and Conversion Powers in Relation to Credit Institution’s Liabilities Governed by a Third Country Law
(OGM 122/20) 

• Corrigendum to the Decision on More Detailed Regulation of Contractual Recognition of Write-Down and Conversion Powers in Relation to Credit Institution’s Liabilities Governed by a Third Country Law
  (OGM 124/20) 

- Decision on the Criteria for Assessing Resolvability of a Credit Institution and a Group
(OGM 122/20) 

- Decision on Detailed Criteria for Determining Minimum Requirements for Own Funds and Eligible Liabilities of Credit Institutions
(OGM 126/20) 

- Decision on the Method of Disclosing Confidential Information on Credit Institutions under Resolution in Summary or Collective Form
(OGM 126/20)  

- Decision on More Detailed Manner of Calculation of Ex-Ante Contributions Paid by Credit Institutions to the Resolution Fund
(OGM 127/20, 45/21) - Unofficially consolidated translation

• Decision Supplementing the Decision on More Detailed Manner of Calculation of Ex-Ante Contributions Paid by Credit Institutions to the Resolution Fund
  (OGM  45/21)  
• Decision on More Detailed Manner of Calculation of Ex-Ante Contributions Paid by Credit Institutions to the Resolution Fund
  (OGM 127/20) 

- Decision on More Detailed Requirements for Setting the Rate of Conversion of Relevant Capital Instruments and Liabilities to Equity of a Credit Institutions Under Resolution
(OGM 127/20) 

- Decision on the Content and Manner of Keeping a Registry of Financial Services Providers 
(OGM 138/21)

- 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) 

- 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) 

- Decision on the Calculation and Reporting of the Effective Interest Rate on Loans and Deposits 
(OGM 138/21)

- 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 cancelling 
(OGM 48/14, 24/16, 14/17, 80/20) - Unofficially consolidated translation

• Decision amending the Decision on the structure, more detailed conditions and the manner of transaction account opening and cancelling (OGM 80/20)

• 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, 53/21, 102/21) - Unofficially consolidated translation

• Decision amending the Decision on the Contents of the Central Registry of Transaction Accounts 
  (OGM 102/21)
• 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 the Criteria for Identifying Credit Institutions Required to Open and Operate Payment Accounts with Basic Features (OGM 34/22) - it shall apply from 9 January 2023

Decision on Establishing the most Representative Services Linked to a Consumer Payment Account (OGM 54/22) - it shall apply from 9 January 2023

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, 74/21) - Unofficially consolidated translation

• Decision amending the Decision on the manner of keeping the register of payment institutions and the register of electronic money institutions (OGM 74/21)

• 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, 80/20) - Unofficially consolidated translation

• Decision supplementing the Decision on own funds of payment institutions 
  (OGM 80/20)

• 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 and 107/20)   - Unofficially consolidated translation

Annexes

• Decision amending the Decision on Payment System Reporting to the Central Bank of Montenegro
  (OGM 107/20)

  Annexes

• 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
(No: 0102 - 1484/1 of  27.03.2012)

- 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 Credit Institutions
(OGM 128/20)  

- Decision on Reporting to the Central Bank of Montenegro 
(OGM 128/20)
- 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 Calculation and Reporting of the Effective Interest Rate on Loans and Deposits 
(OGM 138/21)

- 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) 
  

- 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, 122/21) - Unofficially consolidated translation

• Decision amending the Decision on Authenticity and Fitness Checking and Recirculation of Euro Banknotes and Coins 
  (OGM 122/21)
• 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, 54/22) - Unofficially consolidated translation 

• Decision amending the Decision on the Reproduction of Euro Banknotes 
  (OGM 54/22)
• Decision on the Reproduction of Euro Banknotes 
  (OGM 61/18)

- Decision on issuing gold and silver jubilee coins
(OGM 12/21)

- Decision on Gold and Silver Jubilee Coins Using and Packaging
(OGM 33/21)

- 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, 122/21) - Unofficially consolidated translation

• Decision amending the Decision on Performing Custody Operations
  (OGM 122/21) 
• 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, 109/21) - Unofficially consolidated translation

• Decision amending the Decision on Determining Tariff for Calculating Fees Charged for the Central Bank of Montenegro Services 
  (OGM 109/21)

• 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 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)