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BANKAR Broj 36 / Januar 2017 JANUAR 2017 godina 10, broj 36 UdruženiUdruženi oko zajedničkogoko zajedničkog cilja cilja Addiko Bank AD Podgorica Atlas Banka AD Podgorica Crnogorska komercijalna banka AD Podgorica Erste Bank AD Podgorica Hipotekarna Banka AD Podgorica Invest Banka Montenegro AD Podgorica Komercijalna Banka AD Budva Lovćen banka AD NLB Banka Nova banka AD Podgorica Societe Generale Montenegro Prva banka Crne Gore 1901. Universal Capital Bank Zapad Banka AD Podgorica Ziraat Bank IMPRESUM BANKAR Broj 36 / januar 2017. IZDAVAČ Udruženje banaka Crne Gore Esad Zaimović Novaka Miloševa bb/3 Podgorica 2 I PORED VISOKOG NIVOA JAVNOG DUGA – DUGOROČNA STABILNOST Tel: +382 20 232-028 Regardless of High Level of Public Debt – Long-term Stability www.ubcg.info TIRAŽ: 600 primjeraka Gojko Maksimović Časopis izlazi kvartalno. 10 ObvezNIcE I Izračunavanje vrijednosti obvezNIcA Bonds and Calculation of Bonds Value Rješenjem Ministarstva kulture, sporta i medija časopis Bankar je upisan u Evidenciju medija - štampani mediji 17. marta 2008, Bratislav Pejaković pod rednim brojem 641. 20 KVALITET PLUS Quality Plus REDAKCIJSKI ODBOR glavni i odgovorni urednik Mina Durutović mr Bratislav Pejaković 30 Šta LJUDI RADE I kako to RADE? Prof. dr Aleksandar Živković, What Do People Do and How They Do That? dr Nikola Fabris, dr Saša Popović, Chris Aghabi mr Nebojša Đoković 36 BUDUĆNOST JE STIGLA urednik The Future is Here Peko Nikolić dizajn i prelom Radmila Gaćeša Nikola Latković 44 INIcijalna javna ponuda finalna priprema tekstova i korektura Initial Public Offering Marko Nikolić fotografije www.dreamstime.com i fotodokumentacija UBCG Novica Radović prevod 68 zNAČAJNA ULOGA BANAKA Milena Ljumović, Maja Biljurić The Significant Role of Banks i Dragana Petronijević štampa Grafotisak, Grude, BIH Ivan Ćirković 74 Strateški ALM PRE NEGO „reporting“ ALM Prilozi Strategic ALM rather than Reporting ALM - tekstovi se dostavljaju u elektronskom obliku na e-mail adrese: [email protected], [email protected], na disketi ili cd-u; Ana Rašović maksimalna dužina teksta 80 UPRAVLJANJE I ALcO KOMITET do 25.000 karaktera. The Management and ALCO - reklame po normativima UBCG na e-mail: [email protected] Miodrag Kirsanov 88 NOVČARSTVO zETSKE DINASTIJE BALŠIĆ Monetary Industry of the Zeta in the Time of Balšić Dynasty BANKAR Časopis Udruženja banaka Crne Gore Broj 36 / januar 2017. INTERVJU – ESAD ZAIMOVIĆ, PREDSJEDNIK UO UBCG januar 2017 | :Bankar I GLAVNI IZVRŠNI DIREKTOR HIPOTEKARNE BANKE AD PODGORICA 2 I PORED VISOKOG NIVOA JAVNOG DUGA – DUGOROČNA STABILNOST Konkurencija u bankarskom sektoru je veoma izražena. Dodatni pritisak na banke za sniženjem kamata, moglo bi za posljedicu da ima gubitak interesovanja investitora za ulaganje u bankarski sektor. Treba stvoriti mogućnost za kvalitetnije rješavanje problema loših kredita. Kamatne stope na depozite u Crnoj Gori i dalje spadaju u red najviših stopa u okruženju. U Hipotekarnoj banci, očekivani profit za 2016. godinu će porasti otprilike 15 odsto u odnosu na 2015. :B Kako ocjenjujete situaciju u bankarskom sektoru Crne Gore na kraju 2016. godine i šta je moguće da bankarski sektor uradi u cilju rasta crnogorske ekonomije u narednom periodu? :B Proteklu godinu su obilježile polemike na temu Bankarski sektor u Crnoj Gori je već par godina visine kamatnih stopa u našim bankama od strane šire stabilan i visoko likvidan. Nakon osnivanja nekoliko javnosti. Da li banke mogu ponuditi niže kamatne stope u banaka u prethodnim godinama konkurencija u kreditiranju i pojačati obim plasmana? bankarskom sektoru je veoma izražena. Pored novih Svjedoci smo da je proteklih par godina došlo do banaka postoji i jedan broj banaka koje dugo posluju sniženja kamatnih stopa, kako na kredite, tako i na na ovom tržištu i koje su se, nakon saniranja problema depozite. Činjenica je, takođe, da je opšti nivo kamat- iz prethodnog perioda, posvetile tržišnoj utakmici nih stopa u Crnoj Gori i dalje visok, ali nisam siguran pokušavajući da animiraju klijente raznovrsnom da postoji prostor za dodatno sniženje. Očekujem da ponudom proizvoda. Sve to upućuje na zaključak može doći do određenog snižavanja kamata kod nekih da će u narednom periodu ponuda banaka prema proizvoda koji su interesantni bankama i kod kojih klijentima biti sve kvalitetnija, što za rezultat može postoji izražena konkurencija u bankarskom sektoru. imati i rast crnogorske ekonomije. Tu prvenstveno mislim na kredite preduzećima koja su svrstana u kategoriju veoma bonitetnih klijenata (a takvih nema mnogo u Crnoj Gori), kao i kod proizvoda za građane koji ne predstavljaju veliki rizik za banke. S obzirom na sva ograničenja sa kojima se january 2017 | :Bankar AN INTERVIEW - ESAD ZAIMOVIĆ, PRESIDENT OF THE MANAGING BOARD OF THE ASSOCIATION OF MONTENEGRIN BANKS AND CEO OF HIPOTEKARNA BANKA PODGORICA 3 I PORED VISOKOG REGARDLESS NIVOA JAVNOG DUGA – OF HIGH LEVEL DUGOROČNA OF PUBLIc DEBT – STABILNOST LONG-TERM STABILITY The competition in the banking sector is highly pronounced. An additional pressure on banks to reduce interest rates, might result in loss of interest of investors to invest in the banking sector. The possibilities will be created for more qualitative resolution of the issue of NPLs. Interest rates on deposits in Montenegro are still within the highest rates in the region. The expected profit of Hipotekarna banka for 2016 will increase by about 15% compared to 2015 :B How do you see the situation in the banking sector of Montenegro at end-2016? What might banking sector do for the growth of Montenegrin economy in the following period? Montenegrin banking sector has been stable for several years and highly liquid. After founding several banks :B Last year was marked by the controversies regarding in the previous years, the competition in the bank- the level of interest rates in our banks by public. Can banks ing sector is highly pronounced. In addition to new offer lower lending interest rates and increase the volume banks, there are also a number of banks that have of payments? been operating for long period in this market, and We witnessed lowering of both lending and deposit which have dedicated, after resolving problems from interest rates in the last several years. The fact is also the previous period, to market game trying to attract that general level of interest rates in Montenegro is clients with diversified offer of their products. It points still high, but I am not sure that there is a space for to the conclusion that the offer of the banks will be their additional decline. I expect that certain decline more qualitative in the following period, which may in interest rates may occur in some products that result in also in the growth of Montenegrin economy. are interesting for the banks and where there is an expressed competition in the banking sector. This primarily refers to loans to companies classified in the category of clients with good financial standing. (There are very few of them in Montenegro), as well as with products for households not representing INTERVJU – ESAD ZAIMOVIĆ, PREDSJEDNIK UO UBCG januar 2017 | :Bankar I GLAVNI IZVRŠNI DIREKTOR HIPOTEKARNE BANKE AD PODGORICA 4 suočavaju banke u svom poslovanju, kao i očekivanja imamo i konstantan rast depozita, kako domaćih, tako novih troškova koji će se evidentirati u bilansima i depozita iz inostranstva. U situaciji kada u Evropi banaka kroz implementaciju nove regulative, nije već imamo dosta banaka koje primjenjuju negativne realno očekivati da će se banke rado lišiti prihoda kamatne stope na depozite svojih klijenata, realno je koje ostvaruju kroz kreditno poslovanje. Svaka druga očekivati da će doći do dodatnog snižavanja, kako bi situacija koja bi podrazumijevala dodatni pritisak na banke i na taj način pokušale da snize svoje troškove. banke za sniženjem kamata, uz povećanje troškova Očekujem da ćemo na kraju 2016. godine imati poslovanja, mogla bi za posljedicu da ima gubitak dobre finansijske rezultate kod većih banaka, dok interesovanja investitora za ulaganje u bankarski će manje banke imati problema sa profiitabilnošću, sektor i podstakla bi njihovu želju za izlaskom sa obzirom na njihovu veličinu sa jedne strane i visoke ovog tržišta. troškove poslovanja sa druge strane. Očekujem da će se taj trend nastaviti i u narednim godinama, što zbog :B Nivo nekvalitetnih kredita ima trend opadanja. novih međunarodnih računovodstvenih standarda, Centralna banka CG predlaže korekcije u odlukama koji predviđaju dodatne troškove rezervacija za banke, koje se tiču kolaterala, čime pokušava da pospješi tzv. što zbog ograničenog potencijala tržišta u kontekstu Podgorički model i dobrovoljno restrukturiranje kredita relativno velikog broja banaka. koji nisu dali očekivane rezultate. Koje mogućnosti stoje Značajan pozitivan uticaj na poslovanje banaka u bankama na raspolaganju u smjeru implementacije ove narednim godinama će imati i očekivano učlanjenje inicijative, a da nijesu iskorištene do sada? u NATO, kao i brzina približavanja Evropskoj uniji. Smanjenje pokazatelja nekvalitetnih kredita u prethod- Cijenim da bi brže učlanjivanje u NATO stvorilo noj godini je prije svega rezultat bilateralnih aranžmana mogućnosti za veći priliv direktnih stranih investicija, između banaka i njihovih dužnika, moguće je da je dok bi eventualno odustajanje ili usporavanje na tom bilo i izmještanja ovih potraživanja iz bankarskih putu predstavljalo dodatni izazov za banke. bilansa, kroz prodaje potraživanja i slično, dok nije bilo slučajeva korišćenja Zakona o dobrovoljnom :B Kako ocjenjujete rad Hipotekarne banke u godini
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