
Supervisory Disclosures and Lists
Laws, regulations, administrative rules and general guidance
General criteria and methodologies of the SREP
Public sector entities (PSEs) established in Slovenia treated in accordance with Article 116(4) CRR
Data on losses stemming from exposures secured by immovable property
Data on loss rates stemming from exposures secured by immovable property located in Slovenia
Supervisory disclosures provide information about the approach to the application of regulations and the approaches used in banking supervision put in place by the competent authorities, and thus grant supervisors and other interested parties insight into supervisory practices in individual Member States, thereby contributing to their convergence. The supervisory disclosures of other Member States and their competent authorities can be found on the EBA website.
Banka Slovenije publishes and regularly updates its supervisory disclosures in accordance with Articles 307 and 308 of the ZBan-3 and Articles 143 and 144 of Directive 2013/36/EU. It should also be noted that as the competent authority for the prudential supervision of significant institutions within the framework of the SSM, the ECB independently publishes the required information, which can be found on this link.
Laws, regulations, administrative rules and general guidance
This section cites the laws and other regulations adopted in Slovenia for the purposes of transposing and implementing Directive 2013/36/EU and Regulation (EU) No 575/2013 in banking supervision.
Options and discretions
Directive 2013/36/EU, Regulation (EU) No 575/2013 and Commission Delegated Regulation (EU) 2015/61 contain a large number of options and discretions that Member States or individual competent authorities can apply, having regard for their national circumstances. The link below provides information on their application by Banka Slovenije.
General criteria and methodologies of the SREP
This section contains information about the general criteria and methodologies used by Banka Slovenije in the supervisory review and evaluation process (SREP), the minimum requirements with regard to internal capital adequacy (ICAAP) and internal liquidity adequacy (ILAAP), and the policy on supervisory measures.
In order to increase the transparency of banking supervision, the Bank of Slovenia is publishing a summary of the SREP results for banks in Slovenia. For significant institutions under the direct supervision of the ECB, the SREP results are published on the ECB website.
Aggregate statistical data
This section contains aggregate statistical data for the banking sector under direct supervision of the Banka Slovenije. The data is updated once a year by 31 July, on the basis of the situation as at 31 December of the previous year. The templates include consolidated data on the banking sector, credit risk, market risk, operational risk, Banka Slovenije supervisory measures and waivers.
Public sector entities (PSEs) established in Slovenia treated in accordance with Article 116(4) CRR
Under Article 116(4) of Regulation (EU) No 575/2013, for the purposes of calculating capital requirements for credit risk under the standardised approach, exposures to public sector entities may be treated as exposures to central government, regional government or local authority in the case of the existence of an appropriate guarantee.
List of public sector entities established in Slovenia exposures to which may be treated as exposures to the central government:
| Name of public sector entity (in Slovenian) | Name of public sector entity (in English) | Registration number | Tax identification number | Valid from |
1 | Agencija Republike Slovenije za javnopravne evidence in storitve | Agency of the Republic of Slovenia for Public Legal Records and Related Services | 1732803 | 14717468 | 01.01.2014 |
2 | Agencija za energijo | Energy Agency | 1993666 | 45123136 | 01.01.2014 |
3 | Agencija za javni nadzor nad revidiranjem | Agency for Public Oversight of Auditing | 3476278 | 10031251 | 01.01.2014 |
4 | Agencija za komunikacijska omrežja in storitve Republike Slovenije | Agency for communication networks and services of the Republic of Slovenia | 1332899 | 10482369 | 01.01.2014 |
5 | Agencija za trg vrednostnih papirjev | Securities Market Agency | 5833566 | 43586350 | 01.01.2014 |
6 | Agencija za zavarovalni nadzor | Insurance Supervision Agency | 1332856 | 18962343 | 01.01.2014 |
7 | Javna agencija Republike Slovenije za spodbujanje investicij, podjetništva in internacionalizacije | SPIRIT, Slovenian Public Agency for Investments, Entrepreneurship and Internationalization | 6283519 | 97712663 | 01.01.2014 |
8 | Javna agencija Republike Slovenije za trženje in promocijo turizma | Slovenian Tourist Board | 6889859 | 93477902 | 01.01.2014 |
9 | Javna agencija Republike Slovenije za varnost prometa | Slovenian Traffic Safety Agency | 3788164 | 23272856 | 01.01.2014 |
10 | Javna agencija Republike Slovenije za varstvo konkurence | Slovenian Competition Protection Agency | 6280757 | 17283035 | 01.01.2014 |
11 | Javna agencija Republike Slovenije za zdravila in medicinske pripomočke | Public Agency of the Republic of Slovenia for Medicinal Products and Medical Devices | 2256584 | 24862185 | 01.01.2014 |
12 | Javna agencija za civilno letalstvo Republike Slovenije | Civil Aviation Agency of the Republic of Slovenia | 3933083 | 62730436 | 01.01.2014 |
13 | Javna agencija za knjigo Republike Slovenije | Slovenian Book Agency | 3367622 | 68569203 | 01.01.2014 |
14 | Javna agencija za znanstvenoraziskovalno in inovacijsko dejavnost Republike Slovenije | Slovenian Research and Innovation Agency | 9390847 | 31434860 | 01.03.2024 |
15 | Javna agencija za železniški promet Republike Slovenije | Public Agency of the Republic of Slovenia for Railway Transport | 1834452 | 19339496 | 01.01.2014 |
16 | Radiotelevizija Slovenija javni zavod, Ljubljana | Radio and Television Corporation of Slovenia | 5056497 | 29865174 | 20.10.2020 |
17 | Slovenski filmski center, javna agencija Republike Slovenije | Slovenian Film Centre, a public agency of the Republic of Slovenia | 5860725 | 74184946 | 01.01.2014 |
18 | Univerzitetni klinični center Ljubljana | University Medical Centre Ljubljana | 5057272 | 52111776 | 20.10.2020 |
19 | Zavod Republike Slovenije za blagovne rezerve | Agency of the Republic of Slovenia for Commodity Reserves | 5022959 | 34375848 | 20.10.2020 |
20 | Zavod za pokojninsko in invalidsko zavarovanje Slovenije | Pension and Disability Insurance Institute of Slovenia | 5156700 | 85876500 | 01.01.2014 |
21 | Zavod za zdravstveno zavarovanje Slovenije | Health Insurance Institute of Slovenia | 5554195 | 41698070 | 01.01.2014 |
These entities are included in the list of public sector entities treated as exposures to regional governments, local authorities or central governments (Article 116 of the CRR) published by the EBA on its website for all Member States.
Data on losses stemming from exposures secured by immovable property
Under Article 430a(3) of Regulation (EU) No 575/2013, Banka Slovenije annually aggregate publishes data on the value of the exposures and losses stemming from exposures secured by immovable property, for each national immovable property market to which the credit institutions reporting to Banka Slovenije, as specified in the first and second paragraphs of that Article, are exposed.
The following data is disclosed on the basis of COREP reports (C 15.00: Exposures and losses from lending collateralised by immovable property (CR IP Losses)) submitted by credit institutions in accordance with Commission Implementing Regulation (EU) 2021/451:
the exposure value of all outstanding exposures for which a credit institution has recognised residential/commercial immovable property as collateral limited to the part treated as fully secured by residential/commercial immovable property in accordance with Article 124(1) of Regulation (EU) No 575/2013*,
the losses stemming from exposures for which a credit institution has recognised residential property as collateral up to the amount of 60% of its market value or commercial immovable property as collateral up to the amount of 50% of its market value (i.e. exposures fully and completely secured by mortgages on residential/commercial immovable property in accordance with Article 125/126 of Regulation (EU) No 575/2013*,
overall losses stemming from exposures for which a credit institution has recognised residential property/commercial immovable property as collateral up to the part of the exposure treated as fully secured by residential property/commercial immovable property in accordance with Article 124(1) of Regulation (EU) No 575/2013*.
*Regulation 575/2013/EU in force on 31 December 2024
Data for 2024 and 2023 for all banks and savings banks established in Slovenia, including branches of Member State banks (having regard for the highest level of consolidation in Slovenia) are shown in the table at the link below.
Data on loss rates stemming from exposures secured by immovable property located in Slovenia
Where the competent authority of a Member State has published in accordance with Article 430a(3) of Regulation 575/2013/EU loss rates stemming from exposures secured by immovable property located within the territory of that Member State, which, based on the aggregate data reported by institutions in that Member State for that national immovable property market for the previous year, do not exceed any of the limits for losses aggregated across such exposures set out:
in the third subparagraph of Article 125(2) of Regulation 575/2013/EU for exposures secured by residential immovable property, or
in the third subparagraph of Article 126(2) of Regulation 575/2013/EU for exposures secured by commercial immovable property,
banks applying the standardised approach for calculating the capital requirements for credit risk may derogate in accordance with the above subparagraphs. This means that they can treat IPRE exposures* as non-IPRE exposures (i.e. apply the approach set out in Article 125(1) for exposures secured by residential immovable property, or the approach set out in Article 126(1) of Regulation 575/2013/EU for exposures secured by commercial immovable property).
* income producing real estate exposures (fulfilment of the credit obligations materially depends on the cash flows generated by these pledged real estates)
Banks applying the IRB approach may, based on the publication of aggregate loss rates data for the aforementioned exposures that are within the prescribed limits set out in Article 199(3) and (4) of Regulation 575/2013/EU (the limits are the same as those under the standardised approach), derogate from the general requirement laid down in point (b) of Article 199(2) of Regulation 575/2013/EU, which states that the risk of the borrower must not materially depend upon the performance of the underlying property or project.
The table below shows aggregate data for 2024 on loss rates stemming from exposures secured by immovable properties located in Slovenia.
Exposures secured by residential immovable property | Loss rate | Limit |
---|---|---|
Losses from part of the exposures that is secured up to 60 % of the market value of | 0,09 % | ≤ 0,3 % |
Losses from totally secured part of the exposures | 0,10 % | ≤ 0,5 % |
Exposures secured by commercial immovable property | Loss rate | Limit |
---|---|---|
Losses from part of the exposures that is secured up to 50 % of the market value of | 0,58 % | ≤ 0,3 % |
Losses from totally secured part of the exposures | 0,65 % | ≤ 0,5 % |