Supervisory Disclosures and Lists

Laws, regulations, administrative rules and general guidance

Options and discretions

General criteria and methodologies of the SREP

Aggregate statistical data

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

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.

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.

Rules and guidance

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. 

Options and discretions

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.

SREP 2024

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.

• SREP 2024 results

• SREP 2023 results

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.

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:

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.

Table in xls format

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.

Table in xls format