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CEM
Home›CEM›Financial services

Financial services

By Novica Bulatovic
January 1, 2022
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U sektoru finansijskih usluga, dominantnu ulogu imaju banke (90% ukupne aktive finansijskog sistema) preko kojih se odvija najveći dio finansijskog poslovanja.

Druga po značaju su osiguravajuća društva, a dominiraju ona koja se bave neživotnim osiguranjem. Ostatak finansijskog sektora čine mikrokreditne finansijske institucije, investicioni fondovi i lizing kompanije.

Bankarski sistem je tokom 2020. godine bio stabilan, likvidan i solventan.

Preliminarni podaci pokazuju da su aktiva, kapital i depoziti banaka, u godini koju je obilježila ekonomska kriza izazvana pandemijom koronavirusa, u odnosu na 2019.godinu zabilježili pad, dok su krediti porasli.

Do polovine decembra 2020. godine u Crnoj Gori poslovalo je 13 banaka, nakon čega su spojene Crnogorska komercijalna banka i Podgorička banka.

Pozitivan trend u poslovanju, tokom 2020. godine, bilježe i ostale finansijske institucije. U finanijskom sistemu posluje osam mikrokreditnih finansijskih institucija, dva lizing društva i jedno faktoring društvo.

Na crnogorskom tržištu osiguranja tokom 2020. godine poslovalo je devet društava za osiguranje, od čega se pet društava za osiguranje bave poslovima neživotnih osiguranja, a četiri poslovima životnih osiguranja. Na 31.12.2020. godine strani akcijski kapital čini 93,3% ukupnog akcijskog kapitala društava za osiguranje u Crnoj Gori, dok domaći kapital čini 6,7%.

U 2020. godini došlo je do rasta vrijednosti ukupne aktive na nivou svih društava za osiguranje od 5,7% više u odnosu na kraj 2019. godine.

Ukupna bruto fakturisana premija društava za osiguranje u 2020. godini iznosila je 93,7 mil. eura, što predstavlja pad od 1,1% u odnosu na isti period u 2019. godini, kada je iznosila 94,7 mil. eura. U ukupno ostvarenoj bruto premiji na nivou tržišta na kraju 2020. i dalje je dominantno učešće neživotnih osiguranja od 78,9%. Učešće bruto premije životnih osiguranja u ukupnoj bruto premiji iznosi 21,1%.

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