Credit Bureau Data

Service Providers

1. Service providers whose data are to be found in the ASB Credit Bureau’s system

  1. ADDIKO BANK A.D. BELGRADE;
  2. AGROINDUSTRIJSKA KOMERCIJALNA BANKA "AIK BANK" A.D. BELGRADE;
  3. API BANK A.D. BELGRADE;
  4. BANCA INTESA A.D. BELGRADE;
  5. POSTAL SAVINGS BANK A.D. BELGRADE;
  6. BANK OF CHINA SERBIA A.D. BELGRADE;
  7. CRÉDIT AGRICOLE BANK SERBIA A.D. NOVI SAD;
  8. DIREKTNA BANKA A.D. KRAGUJEVAC;
  9. ERSTE BANK A.D. NOVI SAD;
  10. EUROBANK A.D. BELGRADE;
  11. EXPOBANK A.D. BELGRADE;
  12. HALKBANK A.D. BELGRADE;
  13. JUBMES BANKA A.D. BELGRADE;
  14. KOMERCIJALNA BANKA A.D. BELGRADE;
  15. MIRABANK A.D. BELGRADE;
  16. MOBI BANKA A.D. BELGRADE;
  17. MTS BANKA A.D. BELGRADE;
  18. NLB BANKA A.D. BELGRADE;
  19. OPPORTUNITY BANKA A.D. NOVI SAD;
  20. OTP BANK SERBIA A.D. BELGRADE;
  21. PROCREDIT BANK A.D. BELGRADE;
  22. RAIFFEISEN BANK A.D. BELGRADE;
  23. SBERBANK SERBIA A.D. BELGRADE;
  24. SRPSKA BANKA A.D. BELGRADE;
  25. UNICREDIT BANK SERBIA A.D. BELGRADE;
  26. VOJVOÐANSKA BANKA A.D. NOVI SAD.

2. Bankrupt and Liquidated Banks

  • RAJ BANKA A.D. BELGRADE, bankrupt;
  • POLJOPRIVREDNA BANKA AGROBANKA A.D, under receivership, bankrupt;
  • NOVA AGROBANKA A.D. BELGRADE, bankrupt;
  • RAZVOJNA BANKA VOJVODINE A.D. NOVI SAD, bankrupt;
  • PRIVREDNA BANKA BEOGRAD A.D. BELGRADE, bankrupt;
  • UNIVERZAL BANKA A.D. BELGRADE, bankrupt.

3. Leasing Companies

  1. CA LEASING SERBIA DOO BELGRADE;
  2. ERB LEASING A.D. BELGRADE in liquidation;
  3. NDM LEASING DOO BELGRADE;
  4. INTESA LEASING DOO BELGRADE;
  5. LIPAKS DOO BELGRADE;
  6. OTP LIZING DOO BELGRADE;
  7. NLB LEASING DOO BELGRADE in liquidation;
  8. OTP LEASING SERBIA DOO BELGRADE;
  9. PIREAUES LEASING DOO BELGRADE in liquidation;
  10. PORSCHE LEASING SCG DOO BELGRADE;
  11. RAIFFEISEN LEASING DOO BELGRADE;
  12. S-LEASING DOO BELGRADE;
  13. SCANIA LEASING DOO KRNJEŠEVCI;
  14. UNICREDIT LEASING SERBIA DOO BELGRADE;
  15. VANTAGE LEASING DOO BELGRADE;
  16. ZASTAVA ISTRABENZ LIZING DOO BELGRADE.

4. Government Funds and Agencies

  • EXPORT CREDIT AND INSURANCE AGENCY;
  • DEVELOPMENT FUND OF THE REPUBLIC OF SERBIA;
  • DEVELOPMENT FUND OF THE AP VOJVODINA;
  • GUARANTEE FUND OF THE AP VOJVODINA.

5. Other Service Providers

  • DINERS CLUB INTERNATIONAL.

Types of Data

The ASB Credit Bureau reports contain the data on services used by natural persons and legal entities and entrepreneurs and provided by the relevant service providers. The data can be both positive and negative. Positive data are all data referring to the utilization of a certain service (e.g. loan amount, repayment deadline, etc.), whereas negative data refer to the manifested irregularities in settling matured liabilities outstanding.

Positive data contained in the Credit Bureau reports are:

1. For natural persons:

  • Data on extended loans (amount of the extended loan, installment amount, repayment deadline, repayment commencement date, repayment end date, debt outstanding);
  • Data on current accounts in respect of which there may be both potential and actual liabilities (transaction activity, date of account opening, overdrafts, status);
  • Data on payment cards, both debit (date of issuing, type of card, transaction activity, status) and credit cards (type of credit card, model, transaction activity, extended loan, amount utilized, expiration date, status);
  • Data on pledges (pledges in respect of loans to natural persons and pledges in respect of loans to legal entities and entrepreneurs);
  • Data on leasing contracts (leasing amount, installment amount, repayment commencement date, repayment end date, status, debt outstanding).

2. For legal entities and entrepreneurs:

  • Data on loans (type of loan, loan currency, amount of the extended loan, repayment commencement date, repayment end date, utilization commencement date, amount utilized, repayment deadline, debt outstanding, status);
  • Data on pledges in respect of loans (pledge activation date, amount of the activated pledge, debt outstanding, status);
  • Data on current accounts (transaction activity, date of account opening, current account status, current account blockades);
  • Data on credit cards (type of credit card, credit card model, date of issuing, allowed limit amount, amount utilized, status);
  • Data on loans extended by foreign creditors (type of loan, loan status, utilization commencement date, amount utilized, repayment deadline, repayment currency, debt outstanding, status);
  • Data on potential placements (type of potential placement – guarantees, guarantees of bills of exchange, uncovered letters of credit, currency, value of potential placements, validity commencement date, validity expiration date, current balance, status, intervention status);
  • Data on leasing contracts (contract value, repayment commencement date, repayment end date, repayment deadline, debt outstanding, status);
  • Data on debt securities purchased by banks.

Negative data contained in the Credit Bureau reports are:

Manifested irregularities are measured by a number of days after the liabilities outstanding mature, and are recorded in the ASB Credit Bureau’s reports, amounting to over 60 days for natural persons, and over 15 days for legal entities and entrepreneurs. Negative data include: date of default occurrence, number of days in default, amount in default and maximum amount in default.

The data in respect of services, both positive and negative, are presented in Credit Bureau’s reports for 3 years in case of natural persons, and 5 years in case of legal entities and entrepreneurs, after the concerned service i.e. the contractual relation with the service provider in respect of the service was terminated.

Automatic deletion of services is conducted on the last day of the month in which the stipulated deadline expires.

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