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Rules on the Contents and the Manner of Provision of the Information about Deposit Insurance provided by Banks to Their CustomersRULES
ontheContents and the Manner of Provision of the Information about Deposit Insurance
Provided by Banks to Their Customers
General Provisions
Article 1
These Rules sets forth the manner of provision and the contents of the information on deposit insurance, as defined by the law governing deposit insurance, which the banks shall provide to the depositors and other interested parties (hereinafter: the Customers).
Article 2
Information about the deposit insurance provided to Customers, especially the information on the coverage level and the payout method, must be complete, easy to understand and available in writing.
Article 3
Information referred to in Article 2 hereof must not be used for advertising purposes or in a manner that may affect the stability of the banking system and the depositors’ confidence.
Methods of Provision of Information to Customers
Article4
Banks can provide information on insured deposits to the customers:
a) by handing out the brochures which contain the basic information on insured deposits, which are to be obtained from the Deposit Insurance Agency (hereinafter: the Agency);
b) orally, by the bank employees who work with customers;
c) through the bank’s website.
Article 5
In order to inform customers about deposit insurance, the Agency shall print a brochure with basic information on the Agency, depositors, insured deposits, coverage level and the payout method.
The Agency will distribute the brochures referred to in paragraph 1 of this Article to all banks which operate within the territory of the Republic of Serbia, in the number sufficient to supply all their branches, sub-branches and enquiry desks which are open to customers.
The Agency shall cover the costs of printing and distribution of brochures.
Article 6
After the bank has received the brochures from the Agency, it shall organize the distribution of the sufficient number to all its branches, sub-branches and enquiry desks which are open to customers.
The bank is obliged to have a sufficient stock of the brochures at hand at any time or to claim them from the Agency in due time.
The bank shall display the brochures on deposit insurance in a place which is easily seen by customers at the branches, sub-branches and enquiry desks which are open to customers.
Article7
When opening a bank account for a new customer, the bank is obliged to hand out a brochure to the new customer, if the customer is a natural person, an entrepreneur or a small or medium-sized company, free of charge and ensure that the customer signs a statement confirming that he is familiar with the basic facts on deposit insurance and that he has received the Agency brochure.
The text of the statement referred to in paragraph 1 of this Article and intended for bank customers who are natural persons is enclosed hereto as Attachment 1 whereas the text of the statement intended for the bank customers who are entrepreneurs or small or medium-sized companies is enclosed hereto as Attachment 2.
The bank shall hand one copy of the statement referred to in paragraph 1 to the customer and store one copy together with its customer related documents.
Article8
The bank is obliged to organize training of employees who work with customers so that they can give accurate and precise answers to customers’ questions regarding deposit insurance.
Article 9
The information on deposit insurance provided by bank employees orally must be based on the Law on Deposit Insurance and the Agency brochure.
If a customer’s questions are very specific, unclear or go beyond the content of the Agency’s brochure, the bank clerk shall hand the Agency brochure to the customer and refer the customer to the Agency for further information.
Article10
Ifthecustomerisnotsatisfiedwiththeinformationreceivedfromthebank, theAgencyshallgivehim/hercorrectinformationoninsureddepositsin the shortesttimepossible.
Control of the Method of Provision and Contents of Information
Article 11
In its advertising / media appearances (print, TV, radio, website etc.) the bank is allowed to refer to its participation in the Serbian deposit insurance scheme only.
The wording of the reference should be: “The bank participates in the mandatory deposit insurance system established in the Republic of Serbia.”
Banks shall post information on deposit insurance on their websites by providing a direct link to the Agency website.
Article12
The Agency shall control the contents and the quality of information as well as the method of provision of information on deposit insurance in banks by checking whether the banks have enough brochures, whether they are displayed in suitably visible places, whether the bank clerks are trained to give accurate information to the customers and whether the banks use information on deposit insurance for the purpose of advertising in a way that can affect the stability of the banking system or the depositors’ confidence.
Article 13
Based on the supervision referred to in Article 12 hereof, if the Agency establishes that the bank does not give information on insured deposits in the manner prescribed by these Rules or gives incorrect information to the customers or uses the information on deposit insurance for advertising purposes, it shall notify the National Bank of Serbia thereof without delay.
Article 14
TheNationalBankofSerbiawithinitsactivitiessupervisesthecontentsandthemethodofprovisionofinformationondepositinsuranceand, ifneeded, willimposemeasuressetbylawagainstthebank.
Final Provisions
Article 15
These Rules shall be published in “Official Gazette of the Republic of Serbia” and shall become effective on the eighth day following its publication. It shall be applied as of 1 January 2012.
Attachment 1
_______________ BANK __________________
Business unit: ________________
Pursuant to Article 7 of the Rules on the Contents and Manner of Provision of the Information about Deposit Insurance Provided by Banks to Their Customers (“Official Gazette of the RoS”, No. ____) the bank customer gives the following
STATEMENT
I hereby confirm that I have received the basic information on the deposit insurance system in the Republic of Serbia from ___________ bank __________ and that I have been handed a free copy of the brochure on deposit insurance, prepared by the Deposit Insurance Agency.
In _____________
on___________
Attachment 2
_______________ BANK __________________
Business unit: ________________
Pursuant to Article 7 of the Rules on the Contents and Manner of Provision of the Information about Deposit Insurance Provided by Banks to Their Customers (“Official Gazette of the RoS”, No. ____) the bank customer gives the following
STATEMENT
We hereby confirm that we have received the basic information on the deposit insurance system in the Republic of Serbia from ___________ bank __________ and that we have been handed a free copy of the brochure on deposit insurance, prepared by the Deposit Insurance Agency.
In _____________
on___________
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