Regulatory, transactional and disputes work for banks, funds, investors and companies operating in Serbia, Montenegro and across the region.
Contact usThe financial sector sits at the centre of every economy, from banking and lending to cross-border transactions and new investment instruments.
For companies, banks, investors and financial institutions, the challenge is to balance commercial objectives against the regulatory framework. That balance depends on lawyers who know the local rules and the international practice behind them.
The Zunic Law team brings exactly that combination: detailed knowledge of banking and financial regulation, long-standing experience and an international perspective.
Nine areas of work across regulation, transactions and disputes.
Five stages, from the first assessment to continuing support.
We assess the regulatory framework and the client's financial objectives.
We set out a plan that combines regulatory compliance with commercial needs.
We draft contracts, internal acts and regulatory filings.
We act for the client before banks, regulators and courts.
Continuing advice and training for long-term stability and compliance.
A sample of recent work in the sector.
Prepared internal policies bringing the bank's operations in line with international standards.
Advised a domestic company on a loan agreement with a foreign lender.
Represented a bank in reorganisation proceedings and negotiations with creditors.
Ran due diligence and advised an investor acquiring a non-performing loan portfolio.
Banks and financial institutions operate under the Law on Banks, the Law on Foreign Exchange Operations, the Law on Payment Services and numerous secondary acts issued by the National Bank of Serbia.
The core obligations cover reporting, liquidity and capital adequacy, consumer protection rules and anti-money laundering requirements. Our team tracks changes to the framework and helps clients adapt in time, avoiding penalties and reputational damage.
Yes. The procedure depends on the legal form and the nature of the business. Documentation on registration, ownership structure and the purpose of the account is required, and banks often ask for additional information under anti-money laundering rules.
We support the full process: communication with banks, preparation of documentation and negotiation of account terms.
Cross-border loans fall under foreign exchange regulation, which means the agreements must be reported to the National Bank of Serbia. The parties also need to ensure the terms comply with domestic legislation and tax rules.
We review the agreements, prepare the filings and advise on the optimal transaction structure, so obligations are lawfully assumed and future disputes with regulators are avoided.
Yes, and it is increasingly common. These transactions carry risks around the legal status of security instruments, registered pledges and potential litigation.
We run detailed due diligence, identify the risks and support negotiations with banks and portfolio sellers, so investors know exactly what they are buying.
Restructuring begins with a full analysis of the financial position and identification of the problem: liquidity, capital adequacy, non-performing loans or regulatory breaches.
A restructuring plan follows, which may include debt rescheduling, sale of an NPL portfolio or reorganisation of business units. We take part in negotiations with creditors, regulators and investors, and represent the client in the necessary proceedings.
No. Security depends on the agreement with the bank and the type of transaction. For smaller loans or clients with a strong credit history, banks sometimes require no additional instruments.
For larger or more complex arrangements, guarantees, promissory notes and pledges are standard. We advise on negotiations and on security that is proportionate to the business.
It depends on the complexity of the business and the scope of the changes required. Smaller companies can implement core policies and procedures in a few weeks; for banks and financial institutions the process can run for months, particularly where it involves international standards such as Basel III or EU regulation.
We prepare a phased implementation plan, so clients reach minimum compliance quickly and improve their processes from there.
Tell us what you are structuring, licensing or defending and we will map the framework that applies.
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Legal developments in Serbia and the EU, each with the step it asks of your business.
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