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Udruženje banaka je osnovano 04. decembra 1921. godine, kao Udruženje banaka Srbije. Nekoliko decenija posle

drugog svetskog rata, radilo je kao Udruženje banaka Jugoslavije. Danas je ponovo Udruženje banaka Srbije, krug je zatvoren. Bez obzira na naziv, od samog početka, sve banke koje su radile na ovom prostoru, bile su članice Udruženja banaka. Danas je isto: sve banke, a ima ih 33, su u Udruženju - dobrovoljno, zato što prepoznaju svoj interes i zajedno razvijaju ovu ideju koja traje devedeset godina.

Zahvaljujući viziji nekih mudrih ljudi, pre mnogo godina, nastala je institucija koja je tokom svih proteklih godina štitila interese banaka, pomagala im i borila se za stvaranje boljih uslova za njihov rad. To je bila uloga UBS u prošlosti - to je osnovni zadatak UBS i danas. Tako je Udruženje postalo druga kuća svih banaka u Srbiji - to je, verovatno, naš najveći uspeh ostvaren u proteklih 9 decenija rada.

Osnivači i pioniri u radu Udruženja su nama ostavili dobru kuću i naš zadatak je da onima posle nas ostavimo više od onoga što smo

Prof. dr Veroljub Dugalić

Generalni sekretar Udruženje banaka Srbijeubs@ubs-asb.com

uvodnik

ZAJEDNIČKA KUĆA SVIH BANAKA

Devedeset godina postojanja i trajanja u našim uslovima nije jubilej, to je podvig!

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Prof Veroljub Dugalić PhD

Secretary GeneralAssociation of Serbian Banks

ubs@ubs-asb.com

editorial

T he Association of Banks was established on 4 December 1921 as the Association of Serbian Banks. Several decades after

the World War II, it operated under the name of Association of Yugoslav Banks. Today, it is once again the Association of Serbian Banks. The circle has been closed. Regardless of its name, from the very beginning, all banks in this region were the members of the Association of Banks. The situation is the same today: all banks, 33 in total, are members of the Association - on a voluntary basis, because they recognize their interest and thus develop this idea with a 90-year long tradition.

Thanks to the vision of some wise people, an institution was formed many years ago, which has ever since protected banks’ interests, provided assistance to them and fought for better working conditions. This was the role of the ASB in the past - this is the main task of the ASB today. Thus the ASB has become the second home of all banks in Serbia - this is probably our greatest success achieved in the past 9 decades of operation.

SECOND HOME OF ALL BANKSNinety years of existence and perseverance - given our working conditions, it’s not a jubilee - it’s quite an achievement!

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zatekli. To je težak zadatak i veliki izazov!Podsećamo da je iz naše kuće izašlo Tržište

hartije od vrednosti a iz te institucije se razvila Beogradska berza; da je Devizno tržište stvoreno u Udruženju banaka a potom prešlo u Narodnu banku; isto tako, Procesing centar za platne kartice osamostalilo se i danas posluje kao Čip kard.

Nastavili smo da stvaramo i organizujemo nove poslove, sledeći vizionarske ideje naših prethodnika. Osnovali smo Kreditni biro, obavljamo Međubankarski kliring, radićemo Direktno zaduženje računa nastavljamo sa obukom zaposlenih u bankama, izdavačkom delatnošću...

Udruženje je postalo član Evropske bankarske federacije, Međunarodnog bankarskog saveta, Interbalkanskog saveta, BACEE itd. Primljeno je u sve evropske asocijacije koje okupljaju Udruženja banaka a Kreditni biro UBS je u Udruženju kreditnih biroa Evrope.

Koliko smo uspešni, najbolje govore brojne nagrade i priznanja koja smo dobili. Kralj Aleksandar Karađorđević je povodom desetogodišnjice Udruženja banaka odlikovao ordenom Belog orla i Svetog Save članove

Upravnog i Izvršnog odbora i generalnog sekretara Udruženja. Mnogo godina kasnije, odnosno 2005. Udruženje banaka je u Londonu dobilo, u konkurenciji najpoznatijih i najvećih bankarskih i finansijskih institucija sveta, prvu nagradu za bankarske tehnologije, za projekat međubankarskog kliringa i poravnanja.

Dobre rezultate Udruženja ističu i prepoznaju strane institucije, mnogo više nego domaće: Svetska banka, Međunarodni monetarni fond, OECD, Svetski ekonomski forum, Evropska bankarska federacija itd. Udruženje banaka je svih ovih godina bilo od velike pomoći bankarskom sektoru zemlje, most između banaka i vlade, državnih organa i ministarstava, Narodne banke i brojnih drugih domaćih i stranih institucija, agencija, udruženja. Svojim profesionalnim i predanim angažovanjem pomagalo je u stvaranju stručnjaka iz bankarstva i finansija zemlje i to je za instituciju i zaposlene najveće priznanje i čast.

Ponosni na tradiciju dugu 90 godina želeli smo da se zajedno sa prijateljima i poslovnim saradnicima UBS podsetimo svih znanih i onih malo poznatih ali isto tako zaslužnih bankarskih pregalaca koji su stvorili ovu instituciju sa

"Trajanje"

U prvoj jednočinki predstave "Trajanje" govori se o privrednim i ekonomskim prilikama u Srbiji 1921. godine i motivima za osnivanje Udruženja banaka u Beogradu. Sledeći datum (jednočinke) bio je 30. novembar 1930. godine kada je održan banket u hotelu Srpski kralj povodom desetogodišnjice rada Udruženja i dodele ordena Svetog Save i Belog orla za 25 članova Udruženja. U nastavku (treća jednočinka) je data atmosfera ratnih 1940/41. godina i potresni govor Luja Mora, generalnog sekretara Udruženja na sednici Skupštine 27. aprila 1941. godine. Naredna (četvrta) jednočinka oslikala je bankarski sistem FNR Jugoslavije i rad Saveza komunalnih banaka i štedionica - preteče Udruženja banaka od 1957. godine. U petoj jednočinki prikazan je privredni i bankarski sistem Jugoslavije u 1967. godini kada je Savez komunalnih banaka i štedionica FNRJ promenio ime u Udruženje banaka Jugoslavije. U poslednjoj (šestoj) jednočinki novinar razgovara, novembra 1994. godine, sa dr Milovanom

Milutinovićem, generalnim sekretarom Udruženja banaka, Ivanom Stambolićem predsednikom JUBMES banke i Dragoslavom Avramovićem, guvernerom Narodne banke Jugoslavije. Sve ove godine, odnosno svih šest jednočinki muzikom je uspešno povezao Bora Dugić.

Predstavi su prisustvovali brojni predstavnici banaka, fakulteta, ministarstava, ambasada i drugih institucija iz zemlje i inostranstva.

U stvaranju predstave "Trajanje" učestvovali su: reditelj Božidar Đurović, scenaristi Svetlana Pantelić, specijalni savetnik UBS i Željko Hubač, dramski pisac; scenograf Vladislava Kanington i kostimograf Marina Medenica. Scenom su uspešno vladali: muzikom Bora Dugić i glumom Nebojša Dugalić, Miodrag Radovanović, Milorad Mandić Manda, Branislav Zeremski i Milo Lekić.

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The founders and pioneers in the work of the ASB have left a sound institution to us and our task is to leave to the future generations somewhat more than what we started with. This is a difficult task and a huge challenge!

We remind you that the Securities Market was born within the ASB and subsequently developed into the Belgrade Stock Exchange; that the FX Market was created at the Association of Banks and then transferred to the National Bank; that the Payment Card Processing Centre became independent and today operates as Chip Card.

We have continued to develop and organize new operations, following the visionary ideas of our predecessors. We established the Credit Bureau; we conduct interbank clearing; we will be performing Direct Debit operations; we continue with education and training of bank employees, our publishing activities, etc.

The ASB has become a member of European Banking Federation, International Banking Council, Inter-Balkan Forum, BACEE, etc. It has been admitted into all European organizations gathering banking associations, and its Credit Bureau is a member of ACCIS.

Our success is best illustrated by many awards and recognitions we’ve received. At the 10th anniversary of the Association, HRH King Alexander awarded the medals of White Eagle and St. Sava Medals to the members of the BoD and Executive Board, and to the Secretary General of the Association of Banks. Many years later, in 2005, in London, the ASB won the first prize for banking technologies, for its interbank clearing and settlement solution, competing against the largest and most famous financial institutions in the world.

Good results of the ASB have been recognized and praised by foreign institutions, such as: the World Bank, International Monetary Fund, OECD, World Economic Forum, European Banking Federation, etc. In all these years, the ASB has greatly assisted the banking sector, being a bridge between the banks and the Government, government bodies and ministries, National Bank and many other domestic and foreign institutions, agencies, associations. In its professional and devoted engagements, it has helped the formation of banking and financial experts, which has been its greatest recognition and honour.

"Perseverance"

The first act of the play "Perseverance" presented the economic situation in Serbia in 1921 and the motives for the establishment of the Association of Banks in Belgrade. The date of the next act was 30 November 1930, when the banquet in Hotel “Serbian King” took place, to mark the 10th anniversary of the Association and award the medals of Saint Sava and White Eagle to 25 members of the Association. This was followed by the third act, depicting the atmosphere of the war years of 1940 and 1941, and featuring the moving speech by Lujo Mor, Secretary General of the Association, delivered at the Assembly Session on 27 April 1941. The next, fourth act depicted the banking system in the FPR of Yugoslavia and the activities of the League of Communal and Savings Banks of the FPRY - predecessor of the Association of Banks from 1957. The fifth act portrayed the economic and banking system of Yugoslavia in 1967, when the League of Communal and Savings Banks changes its name into the Association of Yugoslav

Banks. The final, sixth act was in the form of an interview, held in November 1994, with Dr Milovan Milutinovic, Secretary General of the Association of Yugoslav Banks, Ivan Stambolic, CEO of Jubmes Banka, and Dragoslav Avramovic, Governor of the National Bank of Yugoslavia. All the depicted years, i.e. all six one-act plays, were successfully merged by the music played by Bora Dugic.

The play was attended by numerous representatives of banks, faculties, ministries, embassies, and other domestic and foreign institutions.

The play "Perseverance" was prepared by: Director Bozidar Djurovic; Scriptwriters Svetlana Pantelic, Special ASB Advisor and Zeljko Hubac, Playwright; Stage Designer Vladislava Cunnington and Costume Designer Marina Medenica. The stage was successfully taken by: Bora Dugic, Musician and Actors Nebojsa Dugalic, Miodrag Radovanovic, Milorad Mandic Manda, Branislav Zeremski and Milo Lekic.

željom da traje dugo i bude od koristi razvoju banaka i privrede, na usluzi građanima i na dobrobit celoj zemlji.

Želeli smo da na zanimljiv način predstavom „Trajanje“ u Narodnom pozorištu prikažemo devet decenija dug razvoj naše kuće koji nije bio ni malo lak i jednostavan, koji je tražio od svih koji su učestvovali u njegovom stvaranju i opstajanju mnogo znanja, strpljenja, umešnosti, razumevanja, tolerancije ali i poslovne hrabrosti i odvažnosti.

Ovo je i prilika da se zahvalimo svima koji su izdvojili vreme da 4. decembra budu sa nama u Narodnom pozorištu gde smo obeležili veliki jubilej. Ovih dana dobili smo brojne čestitke povodom 90 godina rada. One su nas obradovale ali su nam i podstrek za dalji rad. Jedna od čestitki stigla je i iz Evropske Bankarske Federacije. Citiraćemo samo jedan njen deo:

„Čestitamo Udruženju, njegovim članicama i zaposlenima na dostignućima i želimo dugoročnu i kontinuiranu saradnju. Pedeset godina postojanja Evropske bankarske federacije ne deluje više tako impresivno u poređenju sa 90 godina UBS, koje je nesumljivo najdugoročnija

organizacija među punopravnim i pridruženim članicama EBF. Udruženje banaka Srbije ima izuzetno dugu istoriju, tokom koje se izborilo sa mnogim poteškoćama, kako političkim tako i ekonomskim. Imajući u vidu ovih 90 godina postojanja još više je vredno svake hvale. Bez sumlje, UBS je pregrmelo i dobra i loša vremena, bilo pokretačka snaga ekonomije i pouzdan partner nacionalnim vlastima uključujući i Centralnu banku.”

Nadamo se da ćemo poput ovog slavlja, zajedno sa poslovnim partnerima, čitaocima časopisa Bankarstvo i drugim prijateljima naše kuće proslaviti i naredne jubileje i još veće uspehe. Kako nas samo deset godina deli od veka Udruženja, želja je svih zaposlenih da se ponovo vidimo u 2021. godini.

U ime zaposlenih u UBS i u svoje ime svim čitaocima časopisa Bankarstva želim dobro zdravlje, uspeh u poslu i ličnu sreću u 2012. godini.

Glavni i odgovorni urednik dr Veroljub Dugalić

Proud of our 90-year long tradition, we wished to remember all those known and less known, but equally deserving people who created this institution so that it can be a long-lasting support to the development of banks and economy, at the service of citizens and benefiting the entire country.

In the play “Perseverance”, staged at the National Theatre, we wished to present in an interesting way the nine-decade long development path of our institution - the path not at all easy and simple, requiring much knowledge, patience, skill, understanding and tolerance, but also business courage and boldness from all who participated in its development.

This is also an opportunity for us to thank all of you for the time you devoted to be with us on the 4th of December 2011 at the National Theatre, where we celebrated this important jubilee. These days we have been receiving numerous greetings concerning the 90th anniversary of the Association. They have caused us a lot of delight, but have also encouraged us in our further endeavours. One such greeting came from the European Banking Federation. We hereby quote one excerpt from it:

“We congratulate the Association, its members and its staff for their achievements, hoping for a long and continuing partnership.

The EBF’s feat of fifty years has paled in comparison to that of ASB unequivocally the longest standing organization amongst the Federation’s Members and Associates. The ASB has had a remarkably long history in which it has been through much turmoil, both political and economic. As such, this makes its 90 years of being all the more praise-worthy. Undeniably, the ASB has withstood good and bad times, has been a force for the economy, and a solid partner for the national authorities, including the Central Bank.“

We hope that, just like this time, we will celebrate our future jubilees and even greater successes together with our business partners, readers of Bankarstvo Magazine and other friends of our institution. Since we are only 10 years away from a full century of the Association, it is the wish of all ASB employees that we meet again in 2021.

On behalf of the ASB employees and on my own behalf, I wholeheartedly wish all readers of Bankarstvo Magazine good health, business success and personal happiness in 2012.

Editor in ChiefVeroljub Dugalić PhD