Regulations

- Decision on Reserve Requirements of Credit Institutions at the Central Bank of Montenegro 
(OGM 19/22, 78/24)  - Unofficially consolidated translation

- Annexes 

• Decision amending the Decision on Bank Reserve Requirement at the Central Bank of Montenegro 
  (OGM 78/24)
• Decision on Reserve Requirements of Credit Institutions at the Central Bank of Montenegro 
  (OGM 19/22)

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

- Decision on Detailed Conditions for and the Manner of Granting Loans to Credit Institutions in Case of Their Liquidity Needs (OGM 35/24)

- Decision on Raising the Countercyclical Capital Buffer Rate
(OGM 27/24, 125/24) - Unofficially consolidated translation

• Decision Supplementing the Decision on Raising the Countercyclical Capital Buffer Rate
  (OGM 125/24)    
• Decision on Raising the Countercyclical Capital Buffer Rate
  (OGM 27/24)      

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

- Decision Repealing the 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 35/24)

- 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, 144/22, 120/23, 125/24) - Unofficially consolidated translation

• Decision Amending the Decision on Macroprudential Measures Related to Retail Loans Granted by Credit Institutions(OGM 125/24)
  

• Decision Amending the Decision on Macroprudential Measures Related to Retail Loans Granted by Credit Institutions(OGM 120/23)
  

• Decision Amending the Decision on Macroprudential Measures Related to Retail Loans Granted by Credit Institutions(OGM 144/22)
  

• 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 amending the Decision on Minimum Standards for Risk Management in Credit Institutions
(OGM 94/25) - it shall apply from 1 January 2026

- Decision amending the Decision on Minimum Standards for Risk Management in Credit Institutions
(OGM 62/24)

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

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

- Decision on More Detailed Requirements for Selection and Appointment of Members of the Management Bodies and Holders of Key Functions in a Credit Institution
(OGM 94/25) - Unofficially consolidated translation

• Corrigendum to the Decision on More Detailed Requirements for Selection and Appointment of Members of the Management Bodies and Holders of Key Functions in a Credit Institution
  (OGM 100/25)
• Decision on More Detailed Requirements for Selection and Appointment of Members of the Management Bodies and Holders of Key Functions in a Credit Institution
  (OGM 94/25)

- 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 the Method of Calculating Maximum Distributable Amount of Credit Institutions
(OGM 94/25) - Unofficially consolidated translation

• Corrigendum to the Decision on the Method of Calculating Maximum Distributable Amount of Credit Institutions
  (OGM 98/25)
• Decision on the Method of Calculating Maximum Distributable Amount of Credit Institutions
  (OGM 94/25)

- Decision on Minimum Standards for Investment of Credit Institutions in Immovable Property and Fixed Assets
(OGM 126/20, 20/24) - Unofficially consolidated translation

• Decision amending the Decision on Minimum Standards for Investment of Credit Institutions in Immovable Property and Fixed Assets
  (OGM 20/24) 
• Decision on Minimum Standards for Investment of Credit Institutions in Immovable Property and Fixed Assets
  (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 94/25) - it shall apply from 1 January 2026
• 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 94/25)

- Decision on Recovery Plans of Credit Institutions
(OGM 127/20, 19/22, 94/25) - Unofficially consolidated translation

• Decision amending the Decision on Recovery Plans of Credit Institutions
  (OGM 94/25)
• 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 of Prudential Consolidation of Credit Institutions
(OGM 94/25) - it shall apply from 1 January 2026

- 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, 17/25)

• Decision Amending the Decision on Identifying other Systemically Important Credit Institutions
  (OGM 17/25) 
• 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 Amending the Decision on Documentation Supporting the Application for Granting the Authorisations under the Law on Credit Institutions
(OGM 94/25) - it shall apply from 1 January 2026

- 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 94/25) - it shall apply from 1 January 2026

- 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 and Outsourcing-Related Risks
(OGM 127/20, 112/25) - Unofficially consolidated translation

• Decision amending the Decision on Managing Outsourcing-Related Risks
  (OGM 112/25)
• Decision on Managing Outsourcing-Related Risks
  (OGM 127/20)

- Decision on Large Exposures of Credit Institutions
(OGM 94/25) - it shall apply from 1 January 2026

- 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 65/25) - it shall apply from 1 January 2026

- Decision on Capital Adequacy of Credit Institutions
(OGM 128/20, 140/21, 144/22, 52/24) - Unofficially consolidated translation

• Decision amending the Decision on Capital Adequacy of Credit Institutions
  (OGM 52/24)
• Decision amending the Decision on Capital Adequacy of Credit Institutions
  (OGM 144/22)
• 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 94/25) - it shall apply from 1 January 2026

- 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)
  

- Decision on Detailed Conditions for Providing Financial Support within a Group of Credit Institutions
(OGM 112/25)

- Decision on Establishing Guidelines for Risk Analysis and Guidelines for Establishing the System for Managing Risk of Money Laundering and Terrorist Financing with Reporting Entities Supervised by the Central Bank of Montenegro
(OGM 55/24)

- Guidelines on Implementation of International Restrictive Measures by Credit 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 Reporting to the Central Bank of Montenegro for the Purpose of Pursuing Resolution Function
(OGM 40/25)

- Decision on the Criteria for Assessing the Impact of Negative Effects of Resolution Plans on Financial Markets, on Other Credit Institutions or on Funding Conditions
(OGM 29/25)

- Decision on More Detailed Content of Records of Financial Contracts
(OGM 29/25)

- Decision on the Method of Calculating Maximum Distributable Amount
(OGM 29/25)

- Decision on More Detailed Method for Determining Minimum Requirements for Own Funds and Eligible Liabilities of Credit Institutions and the Reporting Method
(OGM 29/25)

- Decision on More Detailed Criteria for Identifying Arrangements and Agreements and Counterparties Arising from Partial Transfer of the Assets, Rights or Liabilities of the Credit Institution under Resolution
(OGM 29/25)

- 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, 132/25) - Unofficially consolidated translation

• Decision Amending the Decision on Detailed Content of Resolution Plans for Credit Institutions and Group Resolution Plans
  (OGM 132/25)

• 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, 29/25) - Unofficially consolidated translation

• Decision Supplementing Decision on Conditions to be Met by an Independent Valuer of Assets and Liabilities of a Credit Institution under Resolution
  (OGM 29/25)
• 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 Conditions to be Met by an Independent Valuer of Assets and Liabilities of a Credit Institution under Resolution
  (OGM 122/20)

- 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, 29/25) - Unofficially consolidated translation

• Decision Amending 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 29/25)
• 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 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)

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

- 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, 40/25) - Unofficially consolidated translation

• Decision Amending the Decision on More Detailed Manner of Calculation of Ex-Ante Contributions Paid by Credit Institutions to the Resolution Fund
  (OGM 40/25)
• 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 Institution 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, 116/25) - Unofficially consolidated translation

• Decision supplementing the 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 116/25)

• 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 Capital Adequacy of the Development Bank of Montenegro 
(OGM 94/25)

- Decision on Reporting of the Development Bank of Montenegro to the Central Bank of Montenegro 
(OGM 94/25)

Annexes

- Decision on the Criteria and the Manner of Classification of Assets and Calculation of Provisions for Potential Loan Losses of the Development Bank of Montenegro 
(OGM 94/25)

- Decision on Minimum Standards for Risk Management in the Development Bank of Montenegro 
(OGM 94/25)

- Decision on Large Exposures of the Development Bank of Montenegro 
(OGM 94/25)

- Decision on Establishing Guidelines for Risk Analysis and Guidelines for Establishing the System for Managing Risk of Money Laundering and Terrorist Financing with Reporting Entities Supervised by the Central Bank of Montenegro (OGM 55/24) 

- Decision on the Calculation and Reporting of the Effective Interest Rate on Loans and Deposits
(OGM 138/21, 27/24, 35/24, 135/25) - Unofficially consolidated translation

• Decision supplementing the Decision on the Calculation and Reporting of the Effective Interest Rate on Loans and Deposits(OGM 135/25)
• Decision amending the Decision on the Calculation and Reporting of the Effective Interest Rate on Loans and Deposits(OGM 35/24)
• Decision amending the Decision on the Calculation and Reporting of the Effective Interest Rate on Loans and Deposits(OGM 27/24)
• Decision on the Calculation and Reporting of the Effective Interest Rate on Loans and Deposits
  (OGM 138/21)

- Decision on the Content of Templates for Providing Pre-Contractual Consumer Loan Information to Consumers
(OGM 135/25)

- Decision on the Detailed Method, Requirements, and Procedure for the Consumer Creditworthiness Assessment
(OGM 135/25)

- Decision on More Detailed Conditions Regarding the Necessary Knowledge and Competence of Staff of Creditors and Credit Intermediaries and on the Conditions for the Provision of Credit Intermediation Services Relating to Housing Loans (OGM 135/25)

- Decision on Detailed Content of Requirements Regarding Commissions of Creditors’ and Credit Intermediaries’ Staff(OGM 135/25)

- Decision on the Method of Data Storage and the Detailed Content of Immovable Property Records
(OGM 135/25)

- Decision on Detailed Content and Method of Maintaining the Registry of Credit Intermediaries Providing Intermediation Services Relating to Housing Loans
(OGM 135/25)

- Decision on the Manner of Conducting Supervision of Credit Intermediaries in the Provision of Intermediation Services Relating to Housing Loans
(OGM 135/25)

- Decision on Registration of Credit Intermediaries with the Central Bank of Montenegro
(OGM 51/13)

- Decision on the Manner and Time Limits for Submitting Data on the Complaints of Clients of Credit Institutions and Financial Service Users
(OGM 47/23)

Templates for Complaints

- Decision on Notification of the Provision of Intermediation and Advisory Services Relating to Housing Loans in another Member State
(OGM 135/25) - it shall apply from the day of Montenegro’s accession to the European Union

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 Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes
(OGM 78/24)

Decision on Core Elements of the Payment Orders for Executing National Payment Transactions via Transaction Accounts(OGM 48/14)

Decision on the Requirements for Executing Credit Transfers and Direct Debit Transactions in Euro within the Single Euro Payments Area (SEPA) (OGM 44/24)

Decision on Limiting the Fee for Executing Credit Transfers Effected in the Single Euro Payments Area (SEPA)
(OGM 74/25)

Decision on the Criteria for Identifying Credit Institutions Required to Open and Operate Payment Accounts with Basic Features(OGM 34/22)

Decision on Establishing the most Representative Services Linked to a Consumer Payment Account
(OGM 54/22)

Decision on Presentation and Format of the Fee Information Document for the Most Representative Services Linked to a Consumer Payment Account(OGM 101/22)

Decision on the Appearance and the Format of the Statement of Fees for Services Linked to a Consumer Payment Account(OGM 101/22, 108/22) - Unofficially consolidated translation

• Decision Supplementing the Decision on the Appearance and the Format of the Statement of Fees for Services Linked to a Consumer Payment Account(OGM 108/22)

• Decision on the Appearance and the Format of the Statement of Fees for Services Linked to a Consumer Payment Account(OGM 101/22)

Decision on the Method and Time Limits for Submitting Data on Interchange Fees(OGM 108/23)

• Corrigendum to the Decision on the Method and Time Limits for Submitting Data on Interchange Fees(OGM 112/23)

Decision on more Detailed Content and the Manner of Submitting Information, Data and Documentation Supporting the Application for Granting Authorisation to Provide Payment Services and Acquire Qualifying Holding
(OGM 20/25)

Decision on Detailed Conditions for Providing Activities of the Payment Service Agent(OGM 48/14)

Decision on the Manner of Keeping the Registry of Payment Institutions and the Registry of Electronic Money Institutions (OGM 51/23, 135/25) - Unofficially consolidated translation

• Decision amending the Decision on the Manner of Keeping the Registry of Payment Institutions and the Registry of Electronic Money Institutions(OGM 135/25)

• Decision on the Manner of Keeping the Registry of Payment Institutions and the Registry of Electronic Money Institutions (OGM 51/23)

Decision on Protection of Payment Service Users’ Funds and Funds Received in Exchange for Issued Electronic Money (OGM 48/14)

Decision on Minimum Monetary Amount of the Professional Indemnity Insurance or Other Comparable Guarantee Covering the Liability for Providing Specific Payment Services

(OGM 87/23)

• Corrigendum to the Decision on Minimum Monetary Amount of the Professional Indemnity Insurance or Other Comparable Guarantee Covering the Liability for Providing Specific Payment Services(OGM 99/23)

Decision on Own Funds of Payment Institutions
(OGM 87/23)

Decision on Own Funds of Electronic Money Institutions
(OGM 87/23)

Decision on Ensuring Strong Customer Authentication and Common and Secure Open Standards for Communication(OGM 21/23, 78/24) - Unofficially consolidated translation

• Decision on amending the Decision on Ensuring Strong Customer Authentication and Common and Secure Open Standards for Communication(OGM 78/24)
• Decision on Ensuring Strong Customer Authentication and Common and Secure Open Standards for Communication(OGM 21/23)

Decision on Security Measures for Operational and Security Risks Related to Payment Services 
(OGM 47/23)

- Decision on Reporting on Major Incidents Related to the Provision of Payment Services
(OGM 90/23)

Template on incident reporting with instructions

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, 57/14, 47/25, 74/25, 98/25) - Unofficially consolidated translation

• Operating Rules Amending the Operating Rules of the Central Bank of Montenegro Payment System
  (OGM 98/25)

• Operating Rules Amending the Operating Rules of the Central Bank of Montenegro Payment System
  (OGM 74/25)
  

• Rules Amending Operating Rules of the Central Bank of Montenegro Payment System
  (OGM 47/25)
  

• 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 Participation of the Central Bank of Montenegro and Banks in the Clearing of International Payments(OGM 99/23)

- 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 on the Establishment of the National Payment System Committee
(0101-2161-10/2025 of 17 March 2025)

- 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 116/24)

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 Statistical Data and Information to be Submitted by Credit Institutions to the Central Bank of Montenegro
(OGM 81/22, 13/23) - Unofficially consolidated translation
 

• Decision Amending the Decision on Statistical Data and Information to be Submitted by Credit Institutions to the Central Bank of Montenegro
  (OGM 13/23)  

• Decision on Statistical Data and Information to be Submitted by Credit Institutions to the Central Bank of Montenegro
  (OGM 81/22)
    - Guidelines on Reporting for Monetary and Financial Statistics
    - Reporting Requirement 1
    - Reporting Requirement 2          

    - List of International Institutions          

    - Technical Instruction

- 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 Statistical Data and Information that Investment Funds, Investment Fund Management Companies and Insurance Companies Submit to the Central Bank of Montenegro
(OGM 78/24)
  - Guidelines on Reports that Investment Funds, Investment Fund Management Companies, and Insurance Companies Submit to the Central Bank of Montenegro
  - Reporting forms – investment funds
  - Reporting forms – investment fund management companies     

  - Reporting forms – insurance companies 

- 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 of Euro Banknotes and Coins
(OGM 78/24)

- 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 on the Occasion of Celebrating the 25^th Anniversary of the Central Bank of Montenegro
(OGM 94/25, 135/25) - Unofficially consolidated translation

• Decision amending the Decision on Issuing Gold and Silver Jubilee Coins on the Occasion of Celebrating the 25^th Anniversary of the Central Bank of Montenegro
  (OGM 135/25)

• Decision on Issuing Gold and Silver Jubilee Coins on the Occasion of Celebrating the 25^th Anniversary of the Central Bank of Montenegro
  (OGM 94/25)

- Decision on Issuing Gold and Silver Jubilee Coins on the Occasion of Celebrating the 20^th Anniversary of the Restoration of Montenegro's Independence
(OGM 94/25, 135/25) - Unofficially consolidated translation

• Decision amending the Decision on Issuing Gold and Silver Jubilee Coins on the Occasion of Celebrating the 20^th Anniversary of the Restoration of Montenegro's Independence
  (OGM 135/25)

• Decision on Issuing Gold and Silver Jubilee Coins on the Occasion of Celebrating the 20^th Anniversary of the Restoration of Montenegro's Independence
  (OGM 94/25)

- 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