In accordance with article 36, paragraph 1 and subparagraph 1.17, and article 65, paragraph 1 and 2 of
Law No. 03/L-209 for Central Bank of the Republic of Kosova, article 8, paragraph 1, and 2,
subparagraph 2.3 of Law Nr. 04/L-155 on payment system as well as article 4, paragraph 2 of the
regulation on registry of bank account holders, the Executive Board of Central Bank of the Republic of
Kosovo, in the meeting held on 23 December 2013, approved this:
Instruction on Registry of Bank Account Holders
Article 1
Purpose
The purpose of this instruction is setting the rules, terms and standards that shall be used as a reference for
all commercial banks, which are obliged to report to the Registry of Bank Account Holders.
Article 2
Terms and Definitions
1. Terms and Definitions outlined in this instruction are in accordance with Regulation on Registry
of Bank Account Holders, and have the following meaning:
1.1. “CBK” means Central Bank of the Republic of Kosovo.
1.2. “RBAH” means Registry of Bank Account Holders.
1.3. “Regulation of RBAH” means Regulation on Registry of Bank Account Holders.
1.4. “EICS” means Electronic Interbank Clearing System.
1.5. “DPS” means Department of Payment System.
1.6. “DIT” means Department of Information Technology
1.7. “KJC” means Kosovo Judicial Council
1.8. “Bank account holder” means the natural or legal person who has opened a bank account in
the respective bank.
1.9. “Data subject” means the person for whom information on bank account/accounts were
collected.
1.10. “Provider of accounts records” means the financial institution licensed as Commercial
Bank by CBK.
1.11. “XML” (Extensible Mark-up Language) means the mode of coding the records in the
documents.
Article 3
Reported information in RBAH
1. Reporting of bank accounts’ information is mandatory for all commercial banks that are licensed
by Central Bank of the Republic of Kosovo.
2. Participants in the RBAH system are commercial banks (records providers), and other institutions
determined by the RBAH’s Regulation.
3. Data subjects (clients) in this system shall be identified based on their ID number for natural
person, and based on the business registration number for legal person.
4. Beside the identification number, other additional information by which the bank account holder
is identified are: Name, Surname and bank account. This information should be available for all
entities.
5. Hereinafter are presented the information that are held in the RBAH’s system, and that are
interlinked with bank accounts as well as bank accounts holders:
5.1. Bank account:

ID

Account

ID_ Status

Description of status

Updating date

Personal Nr.

ID_ Currency

ID_ Institution
5.2. Customer information

Personal Nr/Business Nr.

Name

Surname

Gender

Address

Category

ID_ State (Citizenship)
6. Each account reported by the providers of records must contain one of the accounts’ status as
defined in the following:
6.1. Active account – the account is active when it is used on regular basis by the account holder
(customer).
6.2. Blocked account – the account is blocked by state institutions order according to legal
provisions in force.
6.3. Inactive account – the account is inactive if it remains non-functional by its holder for a
certain period of time.
6.4. Frozen account - may be as a result of a number of different legal acts-decisions. An
account may be frozen if it includes unpaid liabilities such as taxes, guaranties, credits etc.
6.5. Closed account – each account that is closed by the customer, or by an authorized person, in
case of customer’s death, it is considered as closed account.
Article 4
Supporting infrastructure and access to RBAH’s system
1. RBAH's system is installed on separate hardware and software platform, and network
infrastructure.
2. Participants should determine the location from which they will access the RBAH’s system.
3. Access to RBAH’s system for participants is provided based on web technology platform with
security set of elements.
4. In case of network infrastructure failure, backup forms of communication are:
5. Record providers (banks) may send their records at CBK as excel files.
6. KJC or other institutions as determined by RBAH’s regulation, may obtain necessary records by
USB or as hard copies.
7. Personal Computers (PC) shall be provide by participants with necessary configurations as well
as there will be adjusted the net configuration for access.
8. Minimal PC configuration for usage and access in EICS are:
1.1 Operating System – Windows XP,
1.2 Microsoft Office 2003, Adobe Reader 7.0
1.3 Internet Explorer (IE 6.0 or newer), Enable Active X controls, Web Application in “Trusted
Side”
Article 5
Operational analysis on functioning of the RBAH’s system
1. Security level for access to RBAH’s system is determined by user profiles, as:
1.1. Users with administrator rights. Officials from the Department of Payment System at
CBK belong to this profile of users, and have the following rights:
1.1.1. Opening and updating the users in the system, for opening and updating of users in
the system, applicants must send a request to DPS/CBK electronically to the email
address: [email protected] .
1.1.2. Generating reports from the system in order to monitor the reporting by banks, as
well as the extraction and analysis of statistics on bank accounts in Kosovo.
1.1.3. Extraction of reports for customers’ bank accounts. These reports shall be provided in
compliance with RBAH’ regulation.
1.2. Designated users for executing reports
1.2.1 Users of this profile are users from KJC, institutions and entities envisaged
by the Law on Execution Procedure.
1.2.2. Users of this profile are enabled the extraction and printing of the bank account
holders’ information. As a main parameter for filtering the information on customer
accounts, for natural persons is used the personal number, and for legal person is
used the business number.
1.3. Users for uploading and updating of statements (banks).
1.3.1. To this profile belong users from commercial banks which conduct the reporting of
bank accounts into the RBAH’s system . This reporting is done by using the menu of
file uploads.
2. The process flow scheme during records registration in the system
2.1. Records from the banking system are exported to XML, files with described standard in
article 6 “File structure for reporting”
2.2. Based on XML scheme, the RBAH’s system validates the data during the process of
uploading files.
2.3. In RBAH, records from files are saved in a specific table called as temporary table with file’s
details.
2.4. Each customer in the system is identified by the personal number (for natural person) or by
business number (for legal person), however, each bank account is unique based on these
attributes: account, the institution where the bank account is opened and the currency.
2.5. On the following scheme, the validation process of XML files is described in details in order
to register and update records in the system.
The process of registration/update of records in the system
START
Data are initially entered
in a temporary table.
Data registration from files
based in the database
Customer does not
exist
Customer control
Registration
of customer
Customer exists
Account exists
Account control
Account does not exist
Account’s status
control
There are no changes
There are changes
Registration of account in
the system
Change the account’s status
Report on registration-changes
END
Register in the log as
redundant information
Article 6
The file structure for reporting
1. The XML scheme is used for reporting records in the RBAH’ system, whose fields define
the requirements for integrity, control and managing of data.
2. The following table presents the essential fields for reporting.
Field
Type of data
Length
Description
Name
String
250 characters
Surname
String
250 characters
Personal Nr.
String
20 characters
Account
Type of customer
String
Integer
16 characters
Default values
Account’s status
Integer
Default values
Bank’s code
Integer
Default values
Currency
String
Default values
Customer’s address
Gender
String
String
250 characters
2 characters
Country of customer
String
Default values
Status description
String
Max characters
Date of
opening/updating the
account
Date Time
yyyy-mm-dd
Thh:mm:ss
Customer’s name (natural person) or
business name (legal person)
Customer’s surname (natural person) or
acronym (legal person)
Personal number (natural person) or
business number (legal person)
Bank account
Customer type code; 1 (natural person), 2
(legal entity)
Code of account’s status, see relevant
codes at fields’ codes
Bank’s code. See relevant codes at fields’
codes
Currency Code. See relevant codes at the
page CODES
Customer’s address
Initials of the customer’s gender. See
relevant codes at fields’ codes
The country code of the customer. See
relevant codes at fields’ codes
Reason of account’s status change from
active account to another status.
The date when an account was opened or
when it’s status has changed, ex.: 2012-0514 T09:25:12
3. The entire XML scheme, which is used for validation of records, is presented hereinafter.
Article 7
Codes of predefined
fields
During the process of data reporting for some of the areas their codes are reported,
and a list of codes for specific areas is presented below:
Type of Client
Code
1
2
Description
Physical person
Legal person
Bank code
Code
10
11
13
14
15
16
17
18
19
20
21
Status Code of Account
Code
1
2
3
4
5
Status
Active
Blocked
Passive
Frozen
Closed
Article 8
Entry into force
This Instruction comes into force on 1 January 2014.
Bedri Hamza
Chairman of the Executive Board
Bank
Banka Qendrore e Kosoves
ProCredit Bank
Banka per Biznes
Banka Ekonomike e Kosoves
Raiffeisen Bank Kosovo
Banka Kreditore e Prishtines
NLB Prishtina
Komercijalna Banka
Banka Kombetare Tregtare
TEB sh.a
IS Bankasi