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Bosnia and Herzegovina - Financial sector assessment (英语)

Bosnia and Herzegovina (BiH) is still dealing with the aftershocks of the global financial crisis that have weakened financial sector asset quality and profitability. System-wide solvency and liquidity indicators appear broadly sound, but significant pockets of vulnerability exist among domestically-owned banks. Banking and insurance oversight have improved since the 2006 financial sector assessment program (FSAP), but a number of important shortcomings in some segments remain. Decisive and immediate actions to deal with weak banks are critical for preserving financial stability. The legal framework governing creditor and debtor relationships is comprehensive, however neither debt resolution, businesses reorganization, nor bankruptcy liquidation work effectively. The financial reporting framework has improved recently and is substantially aligned with the acquis communautaire and harmonized between the two entities. Governance processes of state-owned banks reveal a number of concerns. There is a need to further strengthen the supervisory board selection process and internal audit functions of state banks. The Development Bank of the Federation of BiH is only partially supervised by the Banking Agency of the Federation of BiH (FBA). Specific strategies and exit plans for the Republika Srpska (RS) government’s support of the financial sector are undefined.


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    Bosnia and Herzegovina - Financial sector assessment

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    Earnings Before Interest and Taxes;motor third party liability insurance;Profit and Loss Statement;law on deposit insurance;global financial crisis;Financial Stability;Insolvency and Creditor Rights;Consumer Protection and Financial;reliance on short-term debt;effectiveness of deposit insurance;purchase and assumption transaction;risk profile of bank;financial sector safety net;legal and regulatory framework;financial safety net;corporate sector;banking sector;bank resolution;currency board arrangement;banking sector asset;number of banks;deposit insurance arrangement;open bank assistance;internal audit function;emergency liquidity support;deposit insurance fund;prompt corrective action;related party lending;financial system;supervisory board;banks' balance sheet;central security depository;securities settlement system;financial sector risk;deposits of bank;legal framework governing;deposit insurance system;Corporate Debt Restructuring;scope of coverage;consumer protection regulation;commercial court judge;public sector institution;amount of debt;deposit insurance board;banking supervisory agency;money market operation;european central bank;risk of contagion;loan loss provision;asset management companies;lack of investment;bank resolution process;alternative to bankruptcy;effective deposit insurance;high reserve requirement;restructuring of debt;government debt market;financial sector supervision;private sector credit;asset management company;short term liabilities;systemic liquidity management;public sector entity;financial sector reform;access to finance;asset quality;financial statement;prudential framework;contingency plan;insured depositor;insurance companies;insurance sector;banking system;payment system;insolvency framework;small bank;moral hazard;supervisory power;corporate governance;information exchange;systemic risk;commercial bank;crisis management;legal entity;legal entities;stock exchange;foreign bank;weak bank;payout period;contingency planning;debt resolution;natural disaster;public bank;household debt;financial reporting;enforcement tool;electronic link;prudential requirements;crisis resolution;corrective measure;life insurance;potential implication;securities commission;macroprudential policy;financial soundness;state bank;large bank;payment transaction;supervisory structure;Crisis Preparedness;Insurance Law;financial service;security market;credit line;domestic demand;comprehensive strategy;legal impediment;bank profitability;judicial framework;parent company;provision level;capital requirement;institutional framework;foreign subsidiary;investment fund;regulatory capital;Bank Credit;domestic bank;subordinated debt;depositor pay;maturity mismatch;systemic crisis;account transfer;banking authority;accountability arrangement;potential conflicts;institutional constraint;Banking Law;medium-size enterprise;liquidity problem;bank closure;debt level;private creditor;existing law;failed bank;banking industry;enforcement power;internal control;sector model;bank funding;sound management;liquidity provider;enforcement action;consumer price;seed financing;governance arrangement;real gdp;disposable income;traditional banking;Capital Inflows;credit constraint;consumption loan;regular testing;depositor confidence;credit boom;monetary liability;foreign reserve;cross-border coordination;cross-border cooperation;foreign counterpart;reserve management;monetary policy;efficient mechanism;liquidity crunch;financial risk;macroeconomic environment;statutory responsibility;financial intermediaries;aggregate result;financial infrastructure;institutional set-up;natural person;court proceeding;legal authority;Economic Policy;insurance service;Fiscal policies;fiscal policy;currency mismatch;high share;sound bank;debt collection;substantial variation;respective responsibility;bank group;credit provider;household lending;credit growth;piecemeal liquidation;increased transparency;bank management;institutional resource