Slovakia - Technical Note on Consumer Protection in Financial Services : Volume 2 Sectoral Analyses and Good Practice Reviews
As financial markets develop and deepen, one of the key issues for the fair, open and efficient operation of the markets is the protection of consumers rights in financial services. Be they bank depositors or borrowers or investors in insurance po...
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| Format: | Other Financial Sector Study |
| Language: | English en_US |
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Washington, DC
2012
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| Online Access: | http://documents.worldbank.org/curated/en/2012/07/16428249/slovakia-technical-note-consumer-protection-financial-services-vol-2-2-slovakia-volume-ii-sectoral-analyses-good-practise-reviews http://hdl.handle.net/10986/11895 |
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okr-10986-11895 |
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| recordtype |
oai_dc |
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Digital Repository |
| institution_category |
Foreign Institution |
| institution |
Digital Repositories |
| building |
World Bank Open Knowledge Repository |
| collection |
World Bank |
| language |
English en_US |
| topic |
ACCESS TO CREDIT ACCESS TO FINANCE ACCOUNT MAINTENANCE ACCOUNT MANAGEMENT ACCOUNTABILITY ACCOUNTABILITY REQUIREMENT ACCOUNTING ACCREDITATION ACCRUALS ADJUSTABLE RATE MORTGAGES ADVERTISEMENT ANNUAL PERCENTAGE RATE APR ASSET VALUE ATM ATM WITHDRAWALS AUDITING AUDITORS BANK ACCOUNT BANK BRANCHES BANK CHARGES BANK CREDIT BANK DEPOSIT BANK DEPOSITS BANK EXAMINERS BANK LENDING BANK LOANS BANK PRODUCT BANK PRODUCTS BANKERS ASSOCIATION BANKING INDUSTRY BANKING PRODUCTS BANKING RELATIONSHIP BANKING SECTOR BANKING SECTOR ASSETS BANKING SERVICE BANKING SERVICES BANKING SYSTEMS BANKRUPTCIES BANKRUPTCY BANKS BASLE CORE PRINCIPLES BEST PRACTICES BONDS BORROWER BORROWING BROCHURE BROCHURES CERTIFICATES OF DEPOSIT CHECKING ACCOUNT CHECKS COLLATERAL COMMERCIAL BANKS COMMERCIAL CODE COMMERCIAL CREDIT COMPENSATION FUNDS CONSOLIDATED SUPERVISION CONSOLIDATION CONSUMER CONSUMER COMPLAINT CONSUMER COMPLAINTS CONSUMER CREDIT CONSUMER EDUCATION CONSUMER FINANCE CONSUMER INFORMATION CONSUMER ISSUES CONSUMER LOAN CONSUMER NEED CONSUMER ORGANISATIONS CONSUMER ORGANIZATIONS CONSUMER PROTECTION CONSUMER PROTECTION LAW CONSUMER PROTECTION LAWS CONSUMER RIGHT CONSUMER RIGHTS CONSUMER UNDERSTANDING CONSUMERS CONTRIBUTION CORPORATE GOVERNANCE COST OF CREDIT CREDIT BUREAU CREDIT BUREAUS CREDIT CARD CREDIT CARDS CREDIT INFORMATION CREDIT LAW CREDIT RATINGS CREDIT RECORD CREDIT REGISTRY CREDIT REPORT CREDIT TRANSFERS CREDIT-WORTHINESS CREDITOR CREDITORS CREDITS CURRENT ACCOUNT CURRENT ACCOUNTS CURRICULUM DEBIT CARD DEBIT CARDS DEBT DEBT COLLECTION DEBT COLLECTOR DEBT COLLECTORS DEBTORS DEBTS DECEPTIVE PRACTICES DEPOSIT DEPOSIT ACCOUNT DEPOSIT BALANCES DEPOSIT INSURANCE DEPOSIT PRODUCT DEPOSIT RELATIONSHIPS DEPOSITORS DEPOSITORS PROTECTION DEPOSITS DISCLOSURE OF INFORMATION DISCLOSURE REQUIREMENT DISPUTE RESOLUTION EDUCATION SYSTEM ELECTRONIC BANKING EMPLOYMENT ENFORCEMENT MECHANISM FINANCIAL ACTIVITIES FINANCIAL ADVICE FINANCIAL CONGLOMERATES FINANCIAL DECISION FINANCIAL EDUCATION FINANCIAL INFORMATION FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL MARKET FINANCIAL PRODUCTS FINANCIAL SECTOR FINANCIAL SECTOR DEVELOPMENT FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL SYSTEM FINANCIAL VIABILITY FOREIGN BANK FOREIGN BANKS FOREIGN CURRENCY FULL DISCLOSURE FUND MANAGEMENT GENERAL PUBLIC HOME EQUITY HOME LOAN HOME LOANS HOUSEHOLDS HOUSING HOUSING LOANS INDEBTEDNESS INFORMATION DISSEMINATION INFORMATION SHARING INFORMATION TO CONSUMERS INSURANCE INSURANCE COMPANIES INSURANCE COMPANY INSURANCE PRODUCT INTEREST COSTS INTEREST RATE INTEREST RATES INTERNATIONAL BANKING JOINT STOCK COMPANIES KNOWLEDGE LEVEL LEGAL ASSISTANCE LEGAL FRAMEWORK LEGAL PROTECTION LEGAL PROVISION LEGAL PROVISIONS LEGAL REQUIREMENT LEGAL REQUIREMENTS LEGISLATION LENDERS LIABILITY LINES OF CREDIT LIQUIDATION LIQUIDATION OF BANKS LOAN APPLICANT MAJOR BANKS MARKET DISCIPLINE MARKET ENTRY MARKET SUPERVISION MARKETING MATURITY MINIMUM PAYMENT MORTGAGE MORTGAGE INSURANCE MORTGAGE LOAN MORTGAGE MARKET MORTGAGES NATIONAL BANK NATIONAL BANK OF SLOVAKIA NET ASSET OPERATING COSTS PAYMENT SERVICES PAYMENT SYSTEM PAYMENT SYSTEMS PENALTIES PENSION FUND POINT OF SALE PRIVATE PENSIONS PROTECTION OF CONSUMERS PROVISION OF CREDIT PROVISION OF INFORMATION PRUDENTIAL REGULATIONS PUBLIC EDUCATION PUBLIC SERVICES RATING AGENCIES RECORD KEEPING REGULATORY FRAMEWORK REPAYMENT REPAYMENT PERIOD REPAYMENT SCHEDULE REPAYMENTS RESIDENTIAL MORTGAGES RETAIL BANKING SALE SALES SECURITIES SUBSIDIARIES SUPERVISORY AGENCY TRANSACTION TYPES OF CONSUMER UNION VALUE OF PENSION |
| spellingShingle |
ACCESS TO CREDIT ACCESS TO FINANCE ACCOUNT MAINTENANCE ACCOUNT MANAGEMENT ACCOUNTABILITY ACCOUNTABILITY REQUIREMENT ACCOUNTING ACCREDITATION ACCRUALS ADJUSTABLE RATE MORTGAGES ADVERTISEMENT ANNUAL PERCENTAGE RATE APR ASSET VALUE ATM ATM WITHDRAWALS AUDITING AUDITORS BANK ACCOUNT BANK BRANCHES BANK CHARGES BANK CREDIT BANK DEPOSIT BANK DEPOSITS BANK EXAMINERS BANK LENDING BANK LOANS BANK PRODUCT BANK PRODUCTS BANKERS ASSOCIATION BANKING INDUSTRY BANKING PRODUCTS BANKING RELATIONSHIP BANKING SECTOR BANKING SECTOR ASSETS BANKING SERVICE BANKING SERVICES BANKING SYSTEMS BANKRUPTCIES BANKRUPTCY BANKS BASLE CORE PRINCIPLES BEST PRACTICES BONDS BORROWER BORROWING BROCHURE BROCHURES CERTIFICATES OF DEPOSIT CHECKING ACCOUNT CHECKS COLLATERAL COMMERCIAL BANKS COMMERCIAL CODE COMMERCIAL CREDIT COMPENSATION FUNDS CONSOLIDATED SUPERVISION CONSOLIDATION CONSUMER CONSUMER COMPLAINT CONSUMER COMPLAINTS CONSUMER CREDIT CONSUMER EDUCATION CONSUMER FINANCE CONSUMER INFORMATION CONSUMER ISSUES CONSUMER LOAN CONSUMER NEED CONSUMER ORGANISATIONS CONSUMER ORGANIZATIONS CONSUMER PROTECTION CONSUMER PROTECTION LAW CONSUMER PROTECTION LAWS CONSUMER RIGHT CONSUMER RIGHTS CONSUMER UNDERSTANDING CONSUMERS CONTRIBUTION CORPORATE GOVERNANCE COST OF CREDIT CREDIT BUREAU CREDIT BUREAUS CREDIT CARD CREDIT CARDS CREDIT INFORMATION CREDIT LAW CREDIT RATINGS CREDIT RECORD CREDIT REGISTRY CREDIT REPORT CREDIT TRANSFERS CREDIT-WORTHINESS CREDITOR CREDITORS CREDITS CURRENT ACCOUNT CURRENT ACCOUNTS CURRICULUM DEBIT CARD DEBIT CARDS DEBT DEBT COLLECTION DEBT COLLECTOR DEBT COLLECTORS DEBTORS DEBTS DECEPTIVE PRACTICES DEPOSIT DEPOSIT ACCOUNT DEPOSIT BALANCES DEPOSIT INSURANCE DEPOSIT PRODUCT DEPOSIT RELATIONSHIPS DEPOSITORS DEPOSITORS PROTECTION DEPOSITS DISCLOSURE OF INFORMATION DISCLOSURE REQUIREMENT DISPUTE RESOLUTION EDUCATION SYSTEM ELECTRONIC BANKING EMPLOYMENT ENFORCEMENT MECHANISM FINANCIAL ACTIVITIES FINANCIAL ADVICE FINANCIAL CONGLOMERATES FINANCIAL DECISION FINANCIAL EDUCATION FINANCIAL INFORMATION FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL MARKET FINANCIAL PRODUCTS FINANCIAL SECTOR FINANCIAL SECTOR DEVELOPMENT FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL SYSTEM FINANCIAL VIABILITY FOREIGN BANK FOREIGN BANKS FOREIGN CURRENCY FULL DISCLOSURE FUND MANAGEMENT GENERAL PUBLIC HOME EQUITY HOME LOAN HOME LOANS HOUSEHOLDS HOUSING HOUSING LOANS INDEBTEDNESS INFORMATION DISSEMINATION INFORMATION SHARING INFORMATION TO CONSUMERS INSURANCE INSURANCE COMPANIES INSURANCE COMPANY INSURANCE PRODUCT INTEREST COSTS INTEREST RATE INTEREST RATES INTERNATIONAL BANKING JOINT STOCK COMPANIES KNOWLEDGE LEVEL LEGAL ASSISTANCE LEGAL FRAMEWORK LEGAL PROTECTION LEGAL PROVISION LEGAL PROVISIONS LEGAL REQUIREMENT LEGAL REQUIREMENTS LEGISLATION LENDERS LIABILITY LINES OF CREDIT LIQUIDATION LIQUIDATION OF BANKS LOAN APPLICANT MAJOR BANKS MARKET DISCIPLINE MARKET ENTRY MARKET SUPERVISION MARKETING MATURITY MINIMUM PAYMENT MORTGAGE MORTGAGE INSURANCE MORTGAGE LOAN MORTGAGE MARKET MORTGAGES NATIONAL BANK NATIONAL BANK OF SLOVAKIA NET ASSET OPERATING COSTS PAYMENT SERVICES PAYMENT SYSTEM PAYMENT SYSTEMS PENALTIES PENSION FUND POINT OF SALE PRIVATE PENSIONS PROTECTION OF CONSUMERS PROVISION OF CREDIT PROVISION OF INFORMATION PRUDENTIAL REGULATIONS PUBLIC EDUCATION PUBLIC SERVICES RATING AGENCIES RECORD KEEPING REGULATORY FRAMEWORK REPAYMENT REPAYMENT PERIOD REPAYMENT SCHEDULE REPAYMENTS RESIDENTIAL MORTGAGES RETAIL BANKING SALE SALES SECURITIES SUBSIDIARIES SUPERVISORY AGENCY TRANSACTION TYPES OF CONSUMER UNION VALUE OF PENSION World Bank Slovakia - Technical Note on Consumer Protection in Financial Services : Volume 2 Sectoral Analyses and Good Practice Reviews |
| geographic_facet |
Europe and Central Asia Slovak Republic |
| description |
As financial markets develop and deepen,
one of the key issues for the fair, open and efficient
operation of the markets is the protection of consumers
rights in financial services. Be they bank depositors or
borrowers or investors in insurance policies, securities or
investment or pension funds, financial consumers need the
ability to accurately understand the terms and conditions of
their contracts and take action if the terms of contracts
have been violated. The Note is the second report in a pilot
program to analyze consumer protection in
financialservices.The objectives of the Note are
three-fold, to: (1) present a set of draft good practices
for assessing consumer protection in financial services; (2)
conduct a review of the existing rules and practices in
Slovakia compared to the draft practices; and (3) provide
recommendations on ways to improve consumer protection in
financial services in Slovakia. The Technical Note
wasprepared at the request of the Slovak Ministry
of Finance, with the valuable support of the National Bank
of Slovakia and other government agencies, ministries, and
non-government organizations. In the past the World Bank has
also prepared governance reviews of the Slovak financial
sector for banking and private pension funds. Few guidelines
are available for consumer protection in financial services.
Consumer protection in financial services remains a new and
developing area for which no consensus has developed on the
broad parameters against which a specific country might be
analyzed. This Note relied on the EU Directives related to
consumer protection and the reports of European
financialregulatory and supervisory agencies.
Other sources were also used. In the United States, the
Federal Trade Commission, the Securities and Exchange
Commission and other state, federal and self-regulatory
agencies have developed laws, rules and guidelines to
protect financial consumers. In addition, the 2003 OECD
Guidelines for Protecting Consumers from Fraudulent and
DeceptiveCommercial Practices across Borders and
the 1999 United Nations Guidelines for Consumer Protection
served as useful reference points for general consumer
protection not related to the financial sector. The
recommendations in the Note go beyond the provisions of the
EU Directives currently in force. As described in the EU
Consumer Protection strategy announced in March 2007 and the
April 2007 Green Paper on Retail Financial Services,
European financial consumers wouldbenefit from
stronger legal and institutional protections than are
currently in place. Both in Europe and elsewhere,
contemporary thinking on consumer protection is rapidly
evolving. The Technical Note takes into account the
international discussion on financial consumer protection
and evolving good practices in financial consumer
protection. Thus, the Note presents recommendations that are
applicable to the Slovak financial sector, but in some cases
go beyondthe minimum requirements set by EU legislation. |
| format |
Economic & Sector Work :: Other Financial Sector Study |
| author |
World Bank |
| author_facet |
World Bank |
| author_sort |
World Bank |
| title |
Slovakia - Technical Note on Consumer Protection in Financial Services : Volume 2 Sectoral Analyses and Good Practice Reviews |
| title_short |
Slovakia - Technical Note on Consumer Protection in Financial Services : Volume 2 Sectoral Analyses and Good Practice Reviews |
| title_full |
Slovakia - Technical Note on Consumer Protection in Financial Services : Volume 2 Sectoral Analyses and Good Practice Reviews |
| title_fullStr |
Slovakia - Technical Note on Consumer Protection in Financial Services : Volume 2 Sectoral Analyses and Good Practice Reviews |
| title_full_unstemmed |
Slovakia - Technical Note on Consumer Protection in Financial Services : Volume 2 Sectoral Analyses and Good Practice Reviews |
| title_sort |
slovakia - technical note on consumer protection in financial services : volume 2 sectoral analyses and good practice reviews |
| publisher |
Washington, DC |
| publishDate |
2012 |
| url |
http://documents.worldbank.org/curated/en/2012/07/16428249/slovakia-technical-note-consumer-protection-financial-services-vol-2-2-slovakia-volume-ii-sectoral-analyses-good-practise-reviews http://hdl.handle.net/10986/11895 |
| _version_ |
1764418306461138944 |
| spelling |
okr-10986-118952021-04-23T14:02:58Z Slovakia - Technical Note on Consumer Protection in Financial Services : Volume 2 Sectoral Analyses and Good Practice Reviews World Bank ACCESS TO CREDIT ACCESS TO FINANCE ACCOUNT MAINTENANCE ACCOUNT MANAGEMENT ACCOUNTABILITY ACCOUNTABILITY REQUIREMENT ACCOUNTING ACCREDITATION ACCRUALS ADJUSTABLE RATE MORTGAGES ADVERTISEMENT ANNUAL PERCENTAGE RATE APR ASSET VALUE ATM ATM WITHDRAWALS AUDITING AUDITORS BANK ACCOUNT BANK BRANCHES BANK CHARGES BANK CREDIT BANK DEPOSIT BANK DEPOSITS BANK EXAMINERS BANK LENDING BANK LOANS BANK PRODUCT BANK PRODUCTS BANKERS ASSOCIATION BANKING INDUSTRY BANKING PRODUCTS BANKING RELATIONSHIP BANKING SECTOR BANKING SECTOR ASSETS BANKING SERVICE BANKING SERVICES BANKING SYSTEMS BANKRUPTCIES BANKRUPTCY BANKS BASLE CORE PRINCIPLES BEST PRACTICES BONDS BORROWER BORROWING BROCHURE BROCHURES CERTIFICATES OF DEPOSIT CHECKING ACCOUNT CHECKS COLLATERAL COMMERCIAL BANKS COMMERCIAL CODE COMMERCIAL CREDIT COMPENSATION FUNDS CONSOLIDATED SUPERVISION CONSOLIDATION CONSUMER CONSUMER COMPLAINT CONSUMER COMPLAINTS CONSUMER CREDIT CONSUMER EDUCATION CONSUMER FINANCE CONSUMER INFORMATION CONSUMER ISSUES CONSUMER LOAN CONSUMER NEED CONSUMER ORGANISATIONS CONSUMER ORGANIZATIONS CONSUMER PROTECTION CONSUMER PROTECTION LAW CONSUMER PROTECTION LAWS CONSUMER RIGHT CONSUMER RIGHTS CONSUMER UNDERSTANDING CONSUMERS CONTRIBUTION CORPORATE GOVERNANCE COST OF CREDIT CREDIT BUREAU CREDIT BUREAUS CREDIT CARD CREDIT CARDS CREDIT INFORMATION CREDIT LAW CREDIT RATINGS CREDIT RECORD CREDIT REGISTRY CREDIT REPORT CREDIT TRANSFERS CREDIT-WORTHINESS CREDITOR CREDITORS CREDITS CURRENT ACCOUNT CURRENT ACCOUNTS CURRICULUM DEBIT CARD DEBIT CARDS DEBT DEBT COLLECTION DEBT COLLECTOR DEBT COLLECTORS DEBTORS DEBTS DECEPTIVE PRACTICES DEPOSIT DEPOSIT ACCOUNT DEPOSIT BALANCES DEPOSIT INSURANCE DEPOSIT PRODUCT DEPOSIT RELATIONSHIPS DEPOSITORS DEPOSITORS PROTECTION DEPOSITS DISCLOSURE OF INFORMATION DISCLOSURE REQUIREMENT DISPUTE RESOLUTION EDUCATION SYSTEM ELECTRONIC BANKING EMPLOYMENT ENFORCEMENT MECHANISM FINANCIAL ACTIVITIES FINANCIAL ADVICE FINANCIAL CONGLOMERATES FINANCIAL DECISION FINANCIAL EDUCATION FINANCIAL INFORMATION FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL MARKET FINANCIAL PRODUCTS FINANCIAL SECTOR FINANCIAL SECTOR DEVELOPMENT FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL SYSTEM FINANCIAL VIABILITY FOREIGN BANK FOREIGN BANKS FOREIGN CURRENCY FULL DISCLOSURE FUND MANAGEMENT GENERAL PUBLIC HOME EQUITY HOME LOAN HOME LOANS HOUSEHOLDS HOUSING HOUSING LOANS INDEBTEDNESS INFORMATION DISSEMINATION INFORMATION SHARING INFORMATION TO CONSUMERS INSURANCE INSURANCE COMPANIES INSURANCE COMPANY INSURANCE PRODUCT INTEREST COSTS INTEREST RATE INTEREST RATES INTERNATIONAL BANKING JOINT STOCK COMPANIES KNOWLEDGE LEVEL LEGAL ASSISTANCE LEGAL FRAMEWORK LEGAL PROTECTION LEGAL PROVISION LEGAL PROVISIONS LEGAL REQUIREMENT LEGAL REQUIREMENTS LEGISLATION LENDERS LIABILITY LINES OF CREDIT LIQUIDATION LIQUIDATION OF BANKS LOAN APPLICANT MAJOR BANKS MARKET DISCIPLINE MARKET ENTRY MARKET SUPERVISION MARKETING MATURITY MINIMUM PAYMENT MORTGAGE MORTGAGE INSURANCE MORTGAGE LOAN MORTGAGE MARKET MORTGAGES NATIONAL BANK NATIONAL BANK OF SLOVAKIA NET ASSET OPERATING COSTS PAYMENT SERVICES PAYMENT SYSTEM PAYMENT SYSTEMS PENALTIES PENSION FUND POINT OF SALE PRIVATE PENSIONS PROTECTION OF CONSUMERS PROVISION OF CREDIT PROVISION OF INFORMATION PRUDENTIAL REGULATIONS PUBLIC EDUCATION PUBLIC SERVICES RATING AGENCIES RECORD KEEPING REGULATORY FRAMEWORK REPAYMENT REPAYMENT PERIOD REPAYMENT SCHEDULE REPAYMENTS RESIDENTIAL MORTGAGES RETAIL BANKING SALE SALES SECURITIES SUBSIDIARIES SUPERVISORY AGENCY TRANSACTION TYPES OF CONSUMER UNION VALUE OF PENSION As financial markets develop and deepen, one of the key issues for the fair, open and efficient operation of the markets is the protection of consumers rights in financial services. Be they bank depositors or borrowers or investors in insurance policies, securities or investment or pension funds, financial consumers need the ability to accurately understand the terms and conditions of their contracts and take action if the terms of contracts have been violated. The Note is the second report in a pilot program to analyze consumer protection in financialservices.The objectives of the Note are three-fold, to: (1) present a set of draft good practices for assessing consumer protection in financial services; (2) conduct a review of the existing rules and practices in Slovakia compared to the draft practices; and (3) provide recommendations on ways to improve consumer protection in financial services in Slovakia. The Technical Note wasprepared at the request of the Slovak Ministry of Finance, with the valuable support of the National Bank of Slovakia and other government agencies, ministries, and non-government organizations. In the past the World Bank has also prepared governance reviews of the Slovak financial sector for banking and private pension funds. Few guidelines are available for consumer protection in financial services. Consumer protection in financial services remains a new and developing area for which no consensus has developed on the broad parameters against which a specific country might be analyzed. This Note relied on the EU Directives related to consumer protection and the reports of European financialregulatory and supervisory agencies. Other sources were also used. In the United States, the Federal Trade Commission, the Securities and Exchange Commission and other state, federal and self-regulatory agencies have developed laws, rules and guidelines to protect financial consumers. In addition, the 2003 OECD Guidelines for Protecting Consumers from Fraudulent and DeceptiveCommercial Practices across Borders and the 1999 United Nations Guidelines for Consumer Protection served as useful reference points for general consumer protection not related to the financial sector. The recommendations in the Note go beyond the provisions of the EU Directives currently in force. As described in the EU Consumer Protection strategy announced in March 2007 and the April 2007 Green Paper on Retail Financial Services, European financial consumers wouldbenefit from stronger legal and institutional protections than are currently in place. Both in Europe and elsewhere, contemporary thinking on consumer protection is rapidly evolving. The Technical Note takes into account the international discussion on financial consumer protection and evolving good practices in financial consumer protection. Thus, the Note presents recommendations that are applicable to the Slovak financial sector, but in some cases go beyondthe minimum requirements set by EU legislation. 2012-12-05T00:09:19Z 2012-12-05T00:09:19Z 2012-07 http://documents.worldbank.org/curated/en/2012/07/16428249/slovakia-technical-note-consumer-protection-financial-services-vol-2-2-slovakia-volume-ii-sectoral-analyses-good-practise-reviews http://hdl.handle.net/10986/11895 English en_US CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank Washington, DC Economic & Sector Work :: Other Financial Sector Study Economic & Sector Work Economic & Sector Work :: Other Financial Sector Study Europe and Central Asia Slovak Republic |