Region

Jurisdiction

Regulator

2019-01-01

Technical Instruction for Submitting Balance Sheet and Statistical Information Reports

The Central Bank of Montenegro issued this technical instruction to guide credit institutions in electronically submitting Balance Sheet and Statistical Information reports via its Data Exchange System. The document details the user interface procedures for logging in, uploading XML files, and monitoring submission statuses including validation outcomes. It further specifies the required XML schema structure and data formatting rules necessary for compliant report generation.

Montenegro

Central Bank of Montenegro

Submitting reports “Balance sheet items” and “Statistical information items” in electronic form (Technical instruction) Version 1.1 2022

2 C O N T E N T S

General information....................................................................................................3
Report submitting application ......................................................................................4 2.1. Login.......................................................................................................................4 2.2. Data transfer ...........................................................................................................5 2.3. Upload ....................................................................................................................6 2.4. Files list...................................................................................................................6
XML scheme description..............................................................................................8 3.1. DTD structure ..........................................................Error! Bookmark not defined. 3.2. XML scheme ............................................................Error! Bookmark not defined. 3.3. Description of elements..........................................................................................26 3.4. Amount format......................................................................................................30

General information Pursuant to the “Decision on statistical data and information to be submitted by credit institutions to the Central Bank of Montenegro”, the Central Bank of Montenegro (CBCG) created a software solution for submitting the “Balance sheet items” and “Statistical information items” reports. This technical instruction covers the part related to the user guide for submitting reports and the part relating to the XML data structure creating rules and methods. The report submission application is an integral part of the existing CBCG data exchange system and is available on the test system at https://srptest. In the production environment, the application is available at https://srpap. The application is adapted for Microsoft Edge and Google Chrome browsers. If you use Google Chrome, you need to configure the browser as follows to be able to save the reports in pdf format: Settings  Privacy and security  Site Settings  Additional content settings  PDF documents  Open PDFs in Chrome

4 2. Report submitting application 2.1. Login Log in by entering your username and password and clicking the Prijavi se (Log in) button (Figure 1.) Figure 1. After a successful login, the Sistem za razmjenu podataka (Data Exchange System) home page containing a menu with the following items: Aplikacija (Application), Prenos podataka (Data Transfer) will open (Figure 2.) Figure 2.

5 Within the Aplikacija menu (Figure 3.), the user can change the password (Promjena lozinke), log out (Odjava) or exit the application (Izlaz). Figure 3. If the user selects the password change option, a window will open (Figure 4.) in which the user shall enter the new password and confirm new password. Changes are recorded by pressing the Sačuvaj (save) button while clicking on the nazad (back) button returns to the previous page. Figure 4. 2.2. Data transfer The Prenos podataka (Data Transfer) menu (Figure 5) contains the following options:  Upload  Lista fajlova (Files List) Figure 5.

6 2.3. Upload Starting this option opens the file upload form (Figure 6.). Figure 6. The user selects the file type to be sent: In this case, it is a matrix (BS and SI). By pressing the Browse button, the user selects a file to upload. The file is sent to the CBCG by pressing the Pošalji (Send) button, and receives the status Dostavljen (Submitted). It will be followed by validation, after which the file receives the Ispravan/Neispravan (Correct/Incorrect) status. Note: If the user has already sent a correct report for a specific file type and period date, the new report will receive the Neispravan fajl (Podaci već postoje) (Incorrect File - data already exists) status and will not be entered. If the user wants to send a new version of the report for that period, the user must first contact the Department for Financial Stability, Research and Statistics with a request to declare the previous correct file incorrect. The user will send a new file only after changing the file status. 2.4. Files list By selecting the Lista fajlova (Files List) option (Figure 7.), the user receives a list of all sent files with their sending date, file type and status. Possible file statuses are:  Dostavljen (Submitted) –the file has been submitted  Validacija u toku (Ongoing validation) – the file is being validated  Ispravan (Correct) – the file is correct  Neispravan (Incorrect) – the file is incorrect, i.e. it does not meet the set criteria.

7 Figure 7. Figure 8. If the file has the “Neispravan” status, pressing the button in the Akcija (Action) column provides a list of errors (Figure 9.). Figure 9. The first column of the errors list gives an error description, the second one contains fields with possible wrong values, and the third one contains specific values in the order corresponding to the order of the specified fields in the second column. If you get error messages, correct the data in the original files and try to upload them again.

8 3. XS scheme description 3.1. XSD struktura

<?xml version="1.0" encoding="utf-8"?>

<xs:schema attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns:xs="http://www.w3.org/2001/XMLSchema"> <xs:element name="srp_izv_matrica_glavna"> xs:complexType xs:sequence <xs:element name="maticni_broj" type="xs:string" /> <xs:element name="vrsta_izvjestaja" type="xs:string" /> <xs:element name="tip_izvjestaja" type="xs:string" /> <xs:element name="izvjestajni_period" type="xs:string" /> <xs:element name="rezultat_tekuceg_perioda" type="xs:string" minOccurs="0" maxOccurs="1" /> <xs:element name="srp_izv_matrica_podaci"> xs:complexType xs:sequence <xs:element name="oznaka_instrumenta" maxOccurs="unbounded"> xs:complexType xs:sequence <xs:element name="vrsta_iznosa" maxOccurs="unbounded"> xs:complexType xs:sequence <xs:element maxOccurs="unbounded" name="stavke"> xs:complexType xs:sequence

9 <xs:element maxOccurs="unbounded" name="stavka"> xs:complexType xs:simpleContent <xs:extension base="xs:string"> <xs:attribute name="kolona" type="xs:string" use="required" /> <xs:attribute name="naziv" type="xs:string" use="required" /> </xs:extension> </xs:simpleContent> </xs:complexType> </xs:element> </xs:sequence> <xs:attribute name="red" type="xs:string" use="required" /> </xs:complexType> </xs:element> </xs:sequence> <xs:attribute name="vrsta" type="xs:string" use="required" /> </xs:complexType> </xs:element> </xs:sequence> <xs:attribute name="oznaka" type="xs:string" use="required" />

10 </xs:complexType> </xs:element> </xs:sequence> </xs:complexType> </xs:element> </xs:sequence> </xs:complexType> </xs:element> </xs:schema> 3.2. XML šema Zbog veličine fajla prikazan je dio XML šeme koja sadrži oznaku instrumenta A0200.

<?xml version="1.0" encoding="UTF-8"?>

<srp_izv_matrica_glavna> <maticni_broj>xxxxxxxx</maticni_broj> <vrsta_izvjestaja>BS</vrsta_izvjestaja> <tip_izvjestaja>M</tip_izvjestaja> <izvjestajni_period>31.07.2022</izvjestajni_period> <rezultat_tekuceg_perioda>457856.25</rezultat_tekuceg_perioda> <srp_izv_matrica_podaci>

<oznaka_instrumenta oznaka="A0200">

<vrsta_iznosa vrsta="1"> <stavke red="1"> <stavka kolona="1" naziv="DRZAVA_SJEDISTA">ME</stavka> <stavka kolona="3" naziv="SEKTORSKA_PRIPADNOST">122012</stavka>

11 <stavka kolona="4" naziv="VALUTA">EUR</stavka> <stavka kolona="10" naziv="DJELATNOST">A</stavka> <stavka kolona="23" naziv="IZNOS">753969920.01</stavka>

</stavke> <stavke red="2">

</stavke> <stavke red="3">

</stavke> </vrsta_iznosa> <vrsta_iznosa vrsta="4"> <stavke red="1">

13 <stavka kolona="23" naziv="IZNOS">0.00</stavka>

</stavke> <stavke red="2">

14 <stavka kolona="20" naziv="ISIN">ME8736578492</stavka> <stavka kolona="21" naziv="POLNA_PRIPADNOST">01</stavka>

</stavke> <stavke red="3">

15 <stavka kolona="17" naziv="UCESTALOST_PROMJENE_KAMATNE_STOPE">002</stavka> <stavka kolona="18" naziv="KATEGORIJA_IZNOSA_KREDITA">1</stavka> <stavka kolona="19" naziv="KOLATERAL_GARANCIJA">12</stavka> <stavka kolona="20" naziv="ISIN">ME8736578492</stavka> <stavka kolona="21" naziv="POLNA_PRIPADNOST">01</stavka>

</stavke> </vrsta_iznosa> <vrsta_iznosa vrsta="6"> <stavke red="1">

<stavka kolona="1" naziv="DRZAVA_SJEDISTA">FR</stavka> <stavka kolona="2" naziv="MEDJUNARODNA_INSTITUCIJA">UNESCO</stavka> <stavka kolona="3" naziv="SEKTORSKA_PRIPADNOST">122012</stavka> <stavka kolona="4" naziv="VALUTA">EUR</stavka> <stavka kolona="5" naziv="ORIGINALNA_ROCNOST">001</stavka> <stavka kolona="6" naziv="OTKAZNI_ROK">002</stavka>

16 <stavka kolona="11" naziv="RIZICNA_GRUPA">A</stavka> <stavka kolona="12" naziv="NOVI_POSAO">1</stavka> <stavka kolona="13" naziv="VARIJABILNOST_KAMATE">03</stavka> <stavka kolona="14" naziv="PERIOD_POCETNOG_FIKSIRANJA_KAMATNE_STOPE">001</stavka> <stavka kolona="15" naziv="VRSTA_REFERENTNE_KAMATNE_STOPE">01</stavka> <stavka kolona="16" naziv="ROCNOST_REFERENTNE_KAMATNE_STOPE">016</stavka> <stavka kolona="17" naziv="UCESTALOST_PROMJENE_KAMATNE_STOPE">002</stavka> <stavka kolona="18" naziv="KATEGORIJA_IZNOSA_KREDITA">1</stavka> <stavka kolona="19" naziv="KOLATERAL_GARANCIJA">12</stavka> <stavka kolona="20" naziv="ISIN">FR8736578492</stavka> <stavka kolona="21" naziv="POLNA_PRIPADNOST">01</stavka>

</stavke> <stavke red="2">

17 <stavka kolona="7" naziv="PREOSTALA_ROCNOST">011</stavka> <stavka kolona="8" naziv="GREJS_PERIOD">002</stavka> <stavka kolona="9" naziv="NAMJENA_KREDITA">09</stavka> <stavka kolona="10" naziv="DJELATNOST">A</stavka> <stavka kolona="11" naziv="RIZICNA_GRUPA">A</stavka> <stavka kolona="12" naziv="NOVI_POSAO">1</stavka> <stavka kolona="13" naziv="VARIJABILNOST_KAMATE">03</stavka> <stavka kolona="14" naziv="PERIOD_POCETNOG_FIKSIRANJA_KAMATNE_STOPE">001</stavka> <stavka kolona="15" naziv="VRSTA_REFERENTNE_KAMATNE_STOPE">01</stavka> <stavka kolona="16" naziv="ROCNOST_REFERENTNE_KAMATNE_STOPE">016</stavka> <stavka kolona="17" naziv="UCESTALOST_PROMJENE_KAMATNE_STOPE">002</stavka> <stavka kolona="18" naziv="KATEGORIJA_IZNOSA_KREDITA">1</stavka> <stavka kolona="19" naziv="KOLATERAL_GARANCIJA">12</stavka> <stavka kolona="20" naziv="ISIN">FR8736578492</stavka> <stavka kolona="21" naziv="POLNA_PRIPADNOST">01</stavka>

</stavke> <stavke red="3">

<stavka kolona="1" naziv="DRZAVA_SJEDISTA">FR</stavka> <stavka kolona="2" naziv="MEDJUNARODNA_INSTITUCIJA">UNESCO</stavka> <stavka kolona="3" naziv="SEKTORSKA_PRIPADNOST">122012</stavka>

18 <stavka kolona="4" naziv="VALUTA">EUR</stavka> <stavka kolona="5" naziv="ORIGINALNA_ROCNOST">001</stavka> <stavka kolona="6" naziv="OTKAZNI_ROK">002</stavka>

</stavke> </vrsta_iznosa>

19 <vrsta_iznosa vrsta="13"> <stavke red="1">

</stavke> <stavke red="2">

21 <stavka kolona="18" naziv="KATEGORIJA_IZNOSA_KREDITA">1</stavka> <stavka kolona="19" naziv="KOLATERAL_GARANCIJA">12</stavka> <stavka kolona="20" naziv="ISIN">FR8736578492</stavka> <stavka kolona="21" naziv="POLNA_PRIPADNOST">01</stavka>

</stavke> <stavke red="3">

22 <stavka kolona="15" naziv="VRSTA_REFERENTNE_KAMATNE_STOPE">01</stavka> <stavka kolona="16" naziv="ROCNOST_REFERENTNE_KAMATNE_STOPE">016</stavka> <stavka kolona="17" naziv="UCESTALOST_PROMJENE_KAMATNE_STOPE">002</stavka> <stavka kolona="18" naziv="KATEGORIJA_IZNOSA_KREDITA">1</stavka> <stavka kolona="19" naziv="KOLATERAL_GARANCIJA">12</stavka> <stavka kolona="20" naziv="ISIN">FR8736578492</stavka> <stavka kolona="21" naziv="POLNA_PRIPADNOST">01</stavka>

</stavke>

</vrsta_iznosa> <vrsta_iznosa vrsta="14"> <stavke red="1">

23 <stavka kolona="9" naziv="NAMJENA_KREDITA">09</stavka> <stavka kolona="10" naziv="DJELATNOST">A</stavka> <stavka kolona="11" naziv="RIZICNA_GRUPA">A</stavka> <stavka kolona="12" naziv="NOVI_POSAO">1</stavka> <stavka kolona="13" naziv="VARIJABILNOST_KAMATE">03</stavka> <stavka kolona="14" naziv="PERIOD_POCETNOG_FIKSIRANJA_KAMATNE_STOPE">001</stavka> <stavka kolona="15" naziv="VRSTA_REFERENTNE_KAMATNE_STOPE">01</stavka> <stavka kolona="16" naziv="ROCNOST_REFERENTNE_KAMATNE_STOPE">016</stavka> <stavka kolona="17" naziv="UCESTALOST_PROMJENE_KAMATNE_STOPE">002</stavka> <stavka kolona="18" naziv="KATEGORIJA_IZNOSA_KREDITA">1</stavka> <stavka kolona="19" naziv="KOLATERAL_GARANCIJA">12</stavka> <stavka kolona="20" naziv="ISIN">FR8736578492</stavka> <stavka kolona="21" naziv="POLNA_PRIPADNOST">01</stavka>

</stavke> <stavke red="2">

24 <stavka kolona="6" naziv="OTKAZNI_ROK">002</stavka>

</stavke> <stavke red="3">

<stavka kolona="1" naziv="DRZAVA_SJEDISTA">FR</stavka> <stavka kolona="2" naziv="MEDJUNARODNA_INSTITUCIJA">UNESCO</stavka>

25 <stavka kolona="3" naziv="SEKTORSKA_PRIPADNOST">122012</stavka> <stavka kolona="4" naziv="VALUTA">EUR</stavka> <stavka kolona="5" naziv="ORIGINALNA_ROCNOST">001</stavka> <stavka kolona="6" naziv="OTKAZNI_ROK">002</stavka>

</stavke>

26 </vrsta_iznosa> </oznaka_instrumenta> </srp_izv_matrica_podaci> </srp_izv_matrica_glavna> 3.3. Description of elements Identification data Element Data maticni_broj Description: ID number Input code: This attribute’s value contains the reporting institution’s identification number. vrsta_izvjestaja Description: Balance Sheet Items and Statistical Information Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 1.2. Report type. tip_izvjestaja Description: Monthly, Quarterly and Annual Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 1.4. Report type. izvjestajni_period Description: Reporting period date Input format: From the Guidelines on reporting for monetary and financial statistics Attribute 1.3. Reporting period. Format: dd.mm.yyyy (last day of the month) rezultat_tekuceg_perioda Description: It refers to the difference of current periods revenues and expenditures. Input format: (min) -9999999999999.99 (max) 9999999999999.99 Element Data oznaka_instrumenta Description: Instrument code Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.1. Instrument. Attribute: label vrsta_iznosa Description: Amount type Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in 3. Third set of attributes – Amount Type (Note: enter codes without

27 trailing zeros, e.g. 1,2,3,4,5,6,7,8,9,...) Attribute: type stavke Description: Represents a single set or row of data for an amount type Input code: In ascending order 1,2,3,4,5... stavka Description: The column name and value Input format: Defined by dt:dt attribute Attribute: column, name In the stavka (item) element, the attribute name must be as described in the table: Item description Element Name Data stavka DRZAVA_SJEDISTA Description: Country of registered office Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.2. Country of registered office. Data type: string stavka MEDJUNARODNA_INSTITUCIJA Description: International institution Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.3. International institution. Data type: string stavka SEKTORSKA_PRIPADNOST Description: Classification of sectors Input code From the Guidelines on reporting for monetary and financial statistics take the six-digit code defined in Attribute 2.4. Classification of sectors. Data type: string stavka VALUTA Description: Currency Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.5. Currency. Data type: string stavka ORIGINALNA_ROCNOST Description: Original maturity Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.6. Original maturity. Data type: string

28 stavka OTKAZNI_ROK Description: Notice period Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.7. Notice period Data type: string stavka PREOSTALA_ROCNOST Description: Remaining maturity Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.8. Remaining maturity Data type: string stavka GREJS_PERIOD Description: Grace period Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.9. Grace period. Data type: string stavka NAMJENA_KREDITA Description: Loan purpose Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.10. Loan purpose. Data type: string stavka DJELATNOST Description: Activity Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.11. Activity. Data type: string stavka RIZICNA_GRUPA Description: Risk group Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.12. Risk group. Data type: string stavka NOVI_POSAO Description: New operations Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.13. New operations. Data type: string

29 stavka VARIJABILNOST_KAMATE Description: Interest variability Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.14. Interest variability. Data type: string stavka PERIOD_POCETNOG_FIKSIRANJA_KAMATNE _STOPE Description: Initial interest rate fixing period Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.15. Initial interest rate fixing period. Data type: string stavka VRSTA_REFERENTNE_KAMATNE_STOPE Description: Reference interest rate type Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.16. Reference interest rate type. Data type: string stavka ROCNOST_REFERENTNE_KAMATNE_STOPE Description: Reference interest rate maturity Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.17. Reference interest rate maturity. Data type: string stavka UCESTALOST_PROMJENE_KAMATNE_STOPE Description: Interest rate change frequency Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.18. Interest rate change frequency. Data type: string stavka KATEGORIJA_IZNOSA_KREDITA Description: Loan amount category Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.19. Loan amount category. Data type: string

30 stavka KOLATERAL_GARANCIJA Description: Collateral/guarantee Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.20. Collateral/guarantee. Data type: string stavka ISIN Description: ISIN Input code: The ISIN is checked for the first two characters containing the two-letter designation of the country of residence and a total length of 12 characters. From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.21. ISIN. Data type: string stavka POLNA_PRIPADNOST Description: Gender Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.22. Gender. Data type: string stavka UTRZIVOST_KREDITA Description: Loan marketability Input code: From the Guidelines on reporting for monetary and financial statistics take the code defined in Attribute 2.23. Loan marketability. Data type: string stavka IZNOS Description: Amount Data type: decimal 3.4. Amount format Allowed amount depending on the amount type defined in Instruction 3. - Third set of attributes – Amount type: Amount type Amount format Min Max 1 0.00 9999999999999.99 2 0.00 9999999999999.99 3 0.00 9999999999999.99 4 -9999999999999.99 0.00 5 -9999999999999.99 0.00 6 -9999999999999.99 0.00 7 -9999999999999.99 0.00

31 8 -9999999999999.99 9999999999999.99 9 -999.9999 999.9999 10 -999.9999 999.9999 11 0.00 9999999999999.99 12 -9999999999999.99 0.00 13 0.00 9999999999999.99 14 -9999999999999.99 0.00 15 0 999999999 16 0 9999999999999.99 17 -9999999999999.99 9999999999999.99 18 0 999999999