basic information
of the bankNarodna banka Srbije (National Bank of Serbia, NBS) is the central bank of Serbia, a state-owned institution responsible for the country's monetary policy and financial stability.
Name and background: Narodna banka Srbije (National Bank of Serbia) was founded in 1884 and is headquartered in Belgrade, the capital of Serbia (Kralja Petra 12, Beograd). As a central bank, its main functions include currency issuance, financial regulation, and maintaining price stability.
Scope of Services: As the central bank of the country, NBS does not provide commercial retail banking services, hence the distribution of wireless outlets or ATMs. Its core functions are to supervise the commercial banking system, formulate monetary policy, and manage the country's foreign exchange reserves.
Regulation & Compliance: NBS itself is regulated under Serbian law and follows international central bank standards. As the regulator, it is responsible for overseeing the compliance of domestic commercial banks in Serbia, including deposit insurance schemes, if applicable.
key indicators
of financial health:- Capital
adequacy: As a central bank, the core mission of the NBS is to maintain financial stability, not to operate profitably.
Non-performing loan ratio: The overall non-performing loan ratio of the Serbian banking sector fell from 20% in 2012 to less than 3% in 2024, reflecting the soundness of the financial system under the supervision of the NBS.
Liquidity Coverage Ratio: NBS manages the country's foreign exchange reserves, and the data shows that the proportion of gold reserves has increased to 12% in 2024, and the value of foreign exchange reserves has increased significantly.
Deposit and loan
productsDeposits: NBS does not directly provide deposit or loan products to the public, and its function is to regulate the deposit and loan interest rates of commercial banks. Serbian commercial banks offer demand/term deposits, and the specific interest rate is determined by the market.
Loans: Housing loans, car loans, etc. are provided by commercial banks, and NBS affects the market interest rate level through monetary policy.
list of common expenses
NBS as a central bank, does not involve personal bank account fees. The account management fees and transfer fees of commercial banks are set by each bank.
Digital Service Experience
APP and Online Banking: The official website of NBS provides monetary policy, statistical data and financial stability reports, but does not provide retail banking services. The digital services of commercial banks in Serbia (e.g. AI customer service, open banking APIs) are operated by private institutions.
customer service
qualityNBS is mainly for financial institutions and government agencies, and does not provide personal customer service. The customer service channels of commercial banks (e.g., telephone support, online chat) are managed independently by each bank.
security measuresFunds
security: The NBS is responsible for the security of the country's financial system, including anti-money laundering (AML) and foreign exchange regulation. Deposit insurance for commercial banks is regulated by the relevant Serbian legislation.
Data security: The official website of NBS complies with international security standards, but does not disclose specific certification information.
Featured Services and DifferentiationThe
core function of NBS is macroeconomic management, not retail banking services. Features include:
Monetary policy control: Maintain the stability of the dinar exchange rate, which has appreciated by 1.3% against the euro in recent years.
Gold Reserve Management: Gold reserves have tripled and increased in value by five and a half times since 2012.
basic bank information
state-owned, joint venture or commercial bank: Narodna banka Srbije (National Bank of Serbia, NBS) is the central bank of Serbia, a state-owned institution responsible for the country's monetary policy and financial stability.
name and backgroundNarodna banka Srbije (National Bank of Serbia) was founded in 1884 and is headquartered in Belgrade, the capital of Serbia (Kralja Petra 12, Beograd). As a central bank, its main functions include currency issuance, financial regulation, and maintaining price stability.
service scope: As the central bank of the country, NBS does not provide commercial retail banking services, so wireless outlets or ATMs are distributed. Its core functions are to supervise the commercial banking system, formulate monetary policy, and manage the country's foreign exchange reserves.
Regulation & Compliance: NBS itself is regulated by Serbian law and follows international central bank standards. As the regulator, it is responsible for overseeing the compliance of domestic commercial banks in Serbia, including deposit insurance schemes, if applicable.
financial health
key metrics:
- >
Capital adequacy ratio: As a central bank, the core mission of the NBS is to maintain financial stability, Not for profit.
NPL ratio: The overall NPL ratio of the Serbian banking sector has decreased from 20% in 2012 to less than 3% in 2024, reflecting the soundness of the financial system under NBS supervision.
Liquidity Coverage Ratio: NBS manages the country's foreign exchange reserves, and the data shows that the proportion of gold reserves will increase to 12% in 2024, and the value of foreign exchange reserves will increase significantly.
deposit and loan products
deposits: NBS does not directly provide deposit or loan products to the public, and its function is to regulate the deposit and loan interest rates of commercial banks. Serbian commercial banks offer demand/term deposits, and the specific interest rate is determined by the market.
loans: housing loans, car loans, etc. are provided by commercial banks, and NBS affects the market interest rate level through monetary policy.
a list of common expenses
NBS as a central bank does not involve personal bank account fees. The account management fees and transfer fees of commercial banks are set by each bank.
digital service experience
APP & Online Banking: The official NBS website provides monetary policy, statistical data and financial stability reports, but does not provide retail banking services. The digital services of commercial banks in Serbia (e.g. AI customer service, open banking APIs) are operated by private institutions.
customer service quality
NBS is primarily intended for financial institutions and government agencies and does not provide personal customer service. The customer service channels of commercial banks (e.g., telephone support, online chat) are managed independently by each bank.
security measures
security of funds: The NBS is responsible for the security of the country's financial system, including anti-money laundering (AML) and foreign exchange regulation. Deposit insurance for commercial banks is regulated by the relevant Serbian legislation.
data security: The official website of NBS complies with international security standards, but the specific certification information is not disclosed.
featured services and differentiation
NBS's core function is macroeconomic management, not retail banking services. Its features include:
- >
Gold Reserve Management: Gold reserves have tripled and their value has increased five-and-a-half times since 2012.
monetary policy control: maintaining the stability of the dinar exchange rate, In recent years, it has appreciated by 1.3% against the euro.
