Central Credit Register

The Central Credit Register has been established in accordance with the Central Credit Register Act (Official Gazette of the Republic of Slovenia, No. 77/16), and constitutes a centralised national database of the indebtedness of private individuals and business entities.

It has been established for the purpose of exercising Banka Slovenije’s powers and tasks (particularly in the area of monetary policy, financial stability, macroprudential supervision and risk management) and for the purpose of managing the information exchange system.

Banka Slovenije collects data and information for the Central Credit Register from the following entities:

• banks in Slovenia;

• branches of Member State banks or third-country banks established in Slovenia;

• lenders established in Slovenia;

• lenders established in another Member State or a third country that have established a branch in Slovenia and enter into credit operations in the territory of Slovenia as lenders;

• members of the information exchange system.

Data exchange system

The Data Exchange System was established for the purpose of effective credit assessment and credit risk management, the encouragement of policies and measures for responsible lending and sustainable borrowing, and the prevention of over indebtedness on the part of individuals and legal entities.

The data and information from the Central Credit Register may be used for:

• the exercise of Banka Slovenije’s powers and tasks;

• the system for the exchange of information on the indebtedness of individuals - SISBON,

• the system for the exchange of information on the indebtedness of business entities - SISBIZ.