Download - Pravila za Skibor - mba.mk
Mcxeportxo Sorxopcxo Acoqqjcqajq
6p.165/222.8. 201,8 ro,4rHa
Cxon.ie
Bpa ocHoea Ha q,[eH 7 og Craryror Ha 3ApyxeHre 3a ocrBapyBa]be Ha 3aeAHr4r{Kr4 HHrepecrl
Ha 6anxrre h yHanpeAyBaFbe Ha HfiBHoro pa6oreFbe MAKEAOHCKA EAHKAPCKA
ACO{I4JAUI/JA Cxonje Ha ceAHHqa Ha Co6paHre oApxaHa Ha 22.8.2018 toAVHa fl ycaovcnerqHhre
NPABI4'IA3a [36op ]t o6BpcKx Ha peQepexrHu 6aHKH KoH nocraByBaar Koraqn]r Ha KaMarHu cranKn 3a
npecMerHa Ha SKIBOR x 3a npoqecor Ha npecMeryBalbe Ha SKIBOR
I OcxoeHx ogpefl6H
LheH L
Co oane Flpasnra ce yrBpAyBa nocranKara aa na6op ra o6apcxrre Ha peQepeHrHrre6auxu Koh nocraByBaar Horaqhh Ha KaMarHH cranxh 3a npecMerxa na SKIBOR r npoqecor ua
npecMeryBarue Ha pe$epeHrHara KaMarHa cranxa SKlBOR.
t{len 2
llornnureynorpe6enH Bo oBHe [lpaeula ro uMaar cneAHoro 3Haqehbe:
SKIBOR - Skopje lnterbank Offered Rate e peQepeHrHa xaMarHa cranKa Ha na3apor Ha naph Bo
AeHapH h npercraByea rrnefy6aHxapcKa KaMarHa cranKa no xoja egHa peQepeHrHa 6auxa enoArorBeHa Aa npoAa4e fleHapcKa nHKBhAHocr Ha Apyra peQepenrHa 6asxa.
Pe$epexrxa 6axxa e 6auxa xoja yqecreyBa Bo npecMeryBaFbero Ha SKIBOR, npexynocraByBalbe Ha AHeBHnKora\nv Ha KaMarHH cranKi4 aa cexoja oA craHAapAHhre poqHocrh.
SKIBOR a4MxHncrparop e Maxe4oHcxara SaHxapcxa Acoqrajarlraja Cxonje (eo HaraMouHhorTeKCT: aAM H H r,lCTparOp).
Cncreru 3a npecmeryBalbe e eneKrpoHcxa nrarQopMa 3a rpryBahbe xojau:ro ce Hopncrn o.q ABerperrr'vt og 6auxrre.
MoxeAorcro ScNxopcxo Acoqqjoqilja
Pa6oreu AeH 3a nnartabara Bo AeHapH e cexoj AeH Rora Maxe4oHcxl4or hHrep6aHKapcHl,l
n.rareH cr4creM (Mrnc) e orBopeH 3a pa6ora.
ll Og6op 3a h36op x cne4elbe Ha pe$epeHrHr 6aHKH
LheH 3
O46opor 3a [36op h cneAeFbe Ha peQepeHrHhre 6anxr (eo naranno[rlH]4or reKcr:Og6op) e He3aBrcHo re.no, Hoe ynpaByBa co npollecor Ha ra6op Ha peQepeHrHrre 6anxn u rncneqn H,4BHHre aKrilBHocn4 noep3aHil co nocraByBahbero Korar.{r4r4 3a npecMerKa Ha SKIBOR.
Op,6opor ce cocror oA ner q.neHa: ABajqa qneHoBh oA peQepeHrHr,lre 6auxr, eAeH qneH
KaKo npercraBHHK Ha AUl4 Maxe,qonraja - 3ApylKeHhe Ha Qnuaucrcxn nasapn il ABajr4a q.neHoBH
oA ocraHarrare (HepeSepeHrHn) 6asxr. Ha cexoj cocraHoK na O,q6opor 3aAorlrnre.nHo rpe6a
Aa nprcycrByBa npercraBHLlx o4 nepeQepeHrHa 6auxa.E4eH o,q qreHoBhre og pe$epeHrHure 6asxu e npercerqaren Ha O46opor. t{leHosure
na O46opor rpe6a Aa ce AHpeKrHo BKnyqeHH nnv Hap.rrcxHr 3a pa6orn og o6racra ua
onepaqHrlre Ha Qnnancncxrre na3apx. t{nenoerre Mopaar Aa 6ngat o6jexrreur Bo
cnpoBeAyeaFbero Ha aKrilBHocrure yrBprqeHh co oBxe l'lpaerra.MaH4aror Ha q.neHoBnre na O,q6opor rpae ABe roAHHh r,1 Moxe Aa ce o6Hoer4 yure 3a
.qBe roAHHH.
l4a6opor ua qreHoBhre H Ha nperceAare.flor Ha O,q6opor e eo HaAnex(Hocr Ha
Co6paHraero Ha a.qMHHl4crparopor, Ha npe4nor Ha 6anxnre H Ha At-ll4 Maxe4oHraja
34pyxeHr,re na SrnancncKr na3apra. Cexoja 6auxa Moxe Aa AocraBh eAeH npeAnor KaHAHAaT
3a qreH Ha O,q6opor, a npeAnoror Ha Al-{h Maxegonraja - 3,.qpyxenrae Ha QnuaucrcKh na3apilrpe6a 4a 4oafa og peQepeHrHilre 6auxN.
Co6panraero Ha aAMnHncrparopor Moxe Aa ro ornoB.4xa MaHAaror Ha q.neH Bo
O46opor Bo cneAHilre cnyqar:HaeHor e npeAnoxeH oA oApeAeHa 6auxa nnn AllVl Maxe4oHr,rja - 34pyxeHre Ha
$nHaucrcxn na3aph, a ae(e My npecraHaa pa6orHror o4Hoc Bo Hcrara,t-l.qeuor AocraBH 6aparue 3a ocraBKa o4 Og6opor,Llnenor He npucycrByBa Ha ABa nocneAoBare.flH14 cocraHoqh oA HeonpaBAaHw nprvnlnlt{nenor e npeAnoxeH oA pe$epeHrHa 6anxa Ha xoja O46opor H ro og3en crarycor Ha
peQepeunra 6asxa vfin qneHor e npeAnox{eH oA Hepe$epeHrHa 6aHxa xoja crexnaracraryc Ha peQepexrua 6anxa.
.{oxonxy oApeAeH qreH e ornoBrxaH o,q O46opor npeA hcreKor Ha HeroBxor MaHAar,
Co6panr,rero Ha3HaqyBa HoB qaex. MaHAaror Ha q.neHor na O46opor Na6paH no oeoj ocHoe
rpae Ao hcrexor Ha MaHAaror Ha q.neHor na O46opor HaMecro xoj e raa6pau.
9aeHoshre Ha O46opor, pacnopeAor Ha cocraHoqr H r3Beulrav oA oApxaHmrecocraHollh ce o6jaeyeaar Ha ilHTepHer crpaHrr{ara Ha aAMhHrcrparopor. O6jaeyearuero ce
Moregcxcxo SoHxopcxo Acoqujsqqjo
BpulH Bo poK oA 10 geHa oA H36opoT Ha r{.neHoBHre Ha OA6opor, oAHocHo 10 4ena ooq
oAp)(yBabero Ha cocraHoKor Ha oA6opor.Og6opor AoHecyBa hHrepHH axrh 3a pa6ora, co KaA ce perynxpa HaqHHor Ha
H3BprxyBaFbe Ha 3aAaqrre t4 oAroBopHocl,r, AeohHHpaHI4 co oBHe [1paerla.
LlaeH 4
3apagn cneAebe Ha axruBHocrilre Ha peQepeHTH[Te 6auxx, Og6opor ce cocraHyBa
Hajmanxy eAHaut r{BaprarHo, a no norpe6a h noqecro. Ilorpe6Ho e npHcycrBo Ha
MHo3r4HcrBoro q.neHoBra na Op,6opor 3a oApxyBabe Ha cocraHoxor. Cocrasollxre xa O46opor.h 3aKaxyBa [lperce4areror Ha O,q6opor. Cexoj vnen HMa e,qeH tnac, a oAnyKilre ce
AoHecyBaar co npocro MHo3r4HcrBo Ha rnacoBh o,4 nphcyrHilre r{,fieHoeil. Bo cayuaj Ha noge.n6a
Ha rnacoBr4Te, rracor ua flpercegare.fior e oAnyqyBaqKH.
3a caojara pa6ora, O46opor cocraByBa sanHcHHK co AoHeceHH 3aKnyqoqn, craroBn A
h3pa3eHh MHc,nelba.
t{,nes 5
O,q6opor ce rprlxh 3a cnpoBeAyBaFbero Ha oehe llpaerna H Mo]Ke Aa npeAnara h3MeHH
3a yHanpe.qyBalbe Ha npoUecor Ha npecMerxa na SKIBOR. O,q6opor rvAMa c.fleAHhre 3a4ai{H H
o,EroBopHocrH:
- ,{ocraeyBa noKaHH 4o 6anxnre Kou rH HcnonHyBaar ycnoBuTe 3a creKHyBaFbe crarycpeQepenrna 6auxa,
- Ha roAHuHa ocHoBa cnerytl ganN peQepeHrH[re 6auxr rH hcnonHyBaar ycroBhre 3a
npoAonlxyBalbe Ha crarycor peQepeurHa 6auxa, Bo cornacHocr co oene [1paettna A
.qoKonKy He rH Hcno/rHyeaar r4M ro oA3eMa crarycor na pe$epenrua 6auxa,- [o orKaxyea crarycor na pe$epesrua 6asxa, Bp3 ocHoBa Ha nHcMeHo 6aparue na
peQepenlrara 6asxa r- Ha peAoBHa ocHoBa rv cneryrz. Horaqilhre ua pe$epeHrHfire 6aHxm ra o6jaeyaabero Ha
SKIBOR.
lll PeQepenrnn 6aaxn
t]rleH 5
3a go6raeaFbe Ha craryc Ha pe$epeurua 6anxa, 6aHxala rpe6a Aa ucnonHyea uajnnaaxy
eAeH oA oBHe ycroBH:
- Aa e aKrHBeH yqecHHK ua mefy6auxapcxhor na3ap Ha naph, co npoceqHo yqecrao oAuajnnarxy LA% KaKo npo4aBaq nfwnw KynyBaq Bo ocrBapeHilor npoMer co
neo6es6e4eHr Aeno3hru h peno rpaHcaxqhh Bo nperxoAHrre rph fo4t Hu, AnA
Moxeaorc*o 6orxcpc*o Aaoux,ioqxia
npoceqHoro yqecTBo Ha AeHapcHr,lre o6BpcKh Ha 6asxara Bo BKynHHre AeHapcKr4o6BpcKrl Ha 6aHKapcKl4or cl4cTeM e HajManKy 5Yo eo nocneAHlrre rph roAHHrA, v1nv1
Aa e rAeHrhoHKyBaHa KaKo chcTeMcKl4 3Haqajna 6aHxa, Bo cornacHocr co perynarhBaTa
Ha HapoAHara 6aHKa Ha Peny6nhKa MaKeAoHHja 3a hAeHTrQraxyearue cHcreMcKH
3HaqajHh 6asxn.
t-lnen 7
O,46opor cocraByBa llucra Ha peQepenrHr 6auxv, Raja ce o6jaByBa Ha hHrepHercrpaHhLlara Ha aAMhHHcrparopor.
tlnes 8
Og6opor Molxe Aa AoHece oAnyKa 3a npecraHyBahe Ha craryc na pe$epeHrHa 6auxa:
- Ha nilcMeHo 6aparue ua peSepenrHara 6asxa co o6pa3nolKeHHe Ha npilqHHHre;- AoKonKy peQepeurHara 6aHxa npecraHe Aa ,h hcnonHyBa ycnoB''rre yrBpAeHh Bo
q,neHor 6 o4 oare llpaeraa;- 4oxorxy 5 nocneAoBare.nHh AeHoBH He nocraBr xoraquja Bo cr4creMor 3a
npecMeryBaFbe;
O46opor nilcMeHo ja r:eecryea 6aHxara 3a oAnyKara 3a crexHylabe Afih npecraHoK Ha
craryc Ha peSepenrua 6asxa.O46opor e AonlKeH nucMeHo Aa ro H3Becrlr' aqwrlvlcrparopor, npH uro e npeqr3rpaH
AaryMor Ha creKHyBarbe vAA npecraHoK Ha crarycor na pe$epeHrHa 6asxa.llpecrauoxor Ha craryc ua peQepeHrHa 6anxa Ha concreeHo 6aparue vnh co oAnyxa Ha
O,q6opor, ne ja rcxryr{yBa Mo}KHocra 3a noBropeH ut6op na pe$epeHrsa 6auxa.
tjrteH 9
PeQepeHrHrre 6anxr BocnocraByBaar AerarHh HHrepHh npoqeAyph 3a aKrhBHocrrrenoBp3aHI4 co nocraByBaFbero Ha Koraqhx Ha KaMarHH cranKr 3a npecMerKa Ha SKIBOR.
lzlurepnmre npoqeAypr4 aa pa6ora BKnyqyBaar: oBnacryBaFba Ha nr\ara Kohurro rn o4o6pysaarH nHLlaTa KOhr.uTo rH BHecyBaar AHeBHHTe KoTaLlLlH Bo cr4cTeMoT 3a npecMeryBaFbe, qyBalbe Ha
norpe6uara r4oxyMeHraqraja co qen ceonQarHa peeta3raja Ha npoqecor, KaKo h Apyru MepKH H
aHrhBHocrh Bo HacoKa na o6ea6e4yBaFbe HHrerpilrer na SKIBOR.
.{neeunre Koraqr4h Ha KaMarHHTe cranxh 3a cHTe craHAapAHr poqHocrr,, Kohr.uro
peQepenrr+ara 6auxa rh BHecyBa Bo cr{creMor 3a npecMeryBalbe ce yrBpAyeaar Bp3 ocHoBa Ha
hHrepHo BocnocraBeHa MeroAonornia, xoja e Aen oA HHrepHyrre npoqeAypr oA craB L r-ra oeojqTEH.
4
Moxeaorcxc 5o*xopcxo Acou*joqxio
Ynpasunor oA6op Ha pe$epeHrHilre 6asxn ce rphlxr crre Bpa6oreHh BKnyqeHh Bo
npoqecor Ha nocraByBaFbe Ha Korar{HH Ha KaMarH[ cranKil 3a npecMerKa Ha sKlBoR 4a unnaar
cooABeTHo npaKTr,lr{Ho 14cKycTBo, Aa ce nprApH{yBaaT KoH HajBncoKr4Te eTHqKh vnpooechoHanHh craHAap+tl, Aa He orKprBaar noAaroqfi 3a HeoojaBeHhre KoraqhH Ha MecrorooApe,4eHo 3a rpryBalbe nn\ Ha Apyru jaaHr,r Mecra v Aa ru 3aurhrar HeoojaBeHxre KoraqHx oAnpHcTan Ha HeoBracTeHH nHua.
lV IlpecnaeryBalbe H o6jaByBalbe Ha SKTBOR
Hnes 10
Pe$epeHtrilre 6aHHu ce Ao,nxHil Aa Horxpaar HaMarHh cranKil 3a cexoja oA cneAHilBe
craHAapAHh po'{HocrH:
-1 ue,qela-L nneceq
-3 nneceqN
-6 nneceqr-12 nneceqr
SKIBOR 1WSKIBOR 1MSKIBOR 3MSKIBOR 6MSKIBOR 12M
.{arynnor Ha BaxeFbe pa SKIBOR e cnor (T+2) o4 AeHor Ha npecMeryBa}be.
Llneu 11
Koraqxrre ce 3acHoBaar Ha craHAapAor actua[/360 (xaneu4apcxn 6poj Ha AeHoBr Bo
MeceLlor ra 360 AeHoBh Bo rogrHara) co nphMeHa Ha nponopLlroHaneH MeroA r ce
npxKalxyBaat co 2 Ae\L4ManHn Mecra.
thes 12
PeQepenrHnre 6aaxn rh BHecyBaar AHeBHhre Koraqrh aa norpe6rre 3a npecMerxa Ha
SKIBOR Bo o4creMor 3a npecMeryBarbe Hajgoqaa 4o 11:00 qacor. fiponaena Ha Horal{Hl4re oAcrpaHa Ha peQepeHrHrre 6aaxw e Ao3eo.nena naj4oqna .qo 11:00 qacor. ,[oxonxy uexojapeQepenrHa 6auxa HeMa BHeceHo AHeBHn Rora\nh, ce npoAonxyBa BpeMero 3a eHec aa L5
Mr4Hyrh. Bo rexor Ha LononHHTe.nHHre 15 mrHyru peQeper-rrnrre 6asxn Moxar Aa HanpaBarnpoMeHa Ha BHeceHhTe AHeBHr4 KoTaqhh.
.{o nnorueHror Ha o6jaeyearue ua SKIBOR nprcran Ao concrBeHrre Koraqnn uwa caMope$epenrHara 6anxa.
t{reu 13
McxeAoxcto Soxxopcxo AcoqrjoqHja
Bo cayvaj Ha HeAocranHocr Ha cxcreMor 3a npecMeryBaFbe nopaAh rexHxqKh nphqhHilBO Cr4creMor 3a npecMeryBaFbe vnh Raj peoepeHrHa 6auxa, AHeBHilTe KoraLlfir4 ce AocTaByBaarnpeKy Apyrh cpeAcrBa 3a KoMyHhKaqnja (enexrpoucKa noura, reneooH, Qaxc ranN .qpyrMeAuyM).
t{aeu 14
SKIBOR ce npecMeryBa KaKo apxrMerhqKa cpeAHHa oA Koraq'lvre ia craHAapAHHTepor{HocTH H ce npHKax{yBa co ABe AeqHMa.nHH MecTa.
Ilpecnnerxara Ha SKIBOR, aa cexoja poqHocr noo,aAenHo, ce Bptu14 Ha c.neAHtaoB HaqrH:
- KoraqHrre ce paHrHpaar Bo pacreqKh peAocneA;- AOHOIHy Horr4paar HajManKy u:ecr pe$epeHrHH 6aHKn, Bo npecMerKara ce HcKryqyBaar
Haj BhcoHara n Hajlrcrara xoraqnja;- AOKOIKy KorHpaar HajMarKy qervpt4, Ho noMa.flKy oA uJecr pe$epeHrnu 6auxr, eo
npecMeTKara ce BKnyqyBaaT cHTe KoTaqHH;
- AoKonHy Korrpaar noMa,nKy oA qernpx pe$epeHrHu 6aaxn, He ce npecMeryBa SKIBOR
3a roj AeH, oAHocHo Ba)+{etrKr4 *e 6N4e SKIBOR xoj e SopruhpaH nperxoAHr4or AeH.
t{reu 15
SKIBOR 3a noeAHHeqHH poqHocrr4, KaKo w Kora\t4v1re Ha cexoja peQepeHrHa 6aHxa, ceo6jaeyeaar Ha crcreMor 3a npecMeryBaFbe HajAoUHa 4o 11:30 qacor.
SKIBOR 3a noe.q[HeqHil por{Hocrr, HaKo h Koral{Hhre na cexoja peQepeHrHa 6aHxa, ceo6jaeyaaar h Ha ilHrepHer crpaHara Ha aAMuHxcrparopor Haj4or-pra 4o 12:00 qacor, oAHocHo
,.qo 12:30 qacor Bo cryqaj Ha npoAonxyBaFbe Ha BpeMero 3a BHec Ha AHeBHhre Koraqrh.
V llpeognn h 3aBpuJHrir oApeA6H
t{reH L6
OaNe fipaevna ce o6jaeyeaar Ha orracHara ra6na ufuau Ha hHrepHer crpaHara Ha
aAMrHHcrparopor Bo poK oA rpH AeHa oA AeHoT Ha HHBHoro AOHeCyBaFbe H BneryBaar BO CH.na
oA AeHor Ha HHBHoro o6jaeysarue, a (e 3anot{Har Aa ce npr4MeHyBaar oA 01.L0.2018 roAuHa.Co 4eHor Ha 3anoqHyBaFbe Ha npHMeHa Ha oBHe Ilpaerana npecraHyBaar Aa saxar flpaanlara3a npecMeryBaFbe r o6jaeyaaFbe Ha ruefy6aHxapcKa KaMarHa cranxa Ha na3ap Ha Aeno3HrH(SKIBOR) AoHeceHH eo 2007 roAhHa.