Situation in the Slovenian banking system

May 4, 2026

Financial Stability Review: banking system remains resilient to risks

Banka Slovenije’s assessment is that the risks to the Slovenian banking system remain moderate, but the outlook for the future is worsening. Owing to the uncertainties and conflicts in the international environment, the focus is on macrofinancial risk and cyber risk, both of which are assessed as elevated. Amid Banka Slovenije’s proactive macroprudential policy stance, the banking system’s resilience to shocks remains high. Any further worsening of the conflicts in the international environment could also have an adverse impact on the situation in the banking system via a deterioration in the financial standing of households and firms.

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December 23, 2025

Banking system remains stable

October 8, 2025

Financial Stability Review: bank resilience to systemic risks remains high

August 1, 2025

Stress tests: Slovenian banking system remains stable and resilient to potential exogenous shocks

July 2, 2025

Banka Slovenije’s measures mean that credit standards remain adequate despite the many external risks and shocks

Monthly report on bank performance

Banka Slovenije publishes monthly the key data of the banking system for the last available month. More detailed data on bank operations are also available in the form of an enriched statistical database.

Published: 19 May 2026

In the first quarter of this year, the total assets of banks increased by EUR 841 million, with annual growth reaching 6%. The annual growth of loans to the non-banking sector strengthened to 9.5%, mainly due to continued growth in housing loans and still high growth in consumer loans. Banks' pre-tax profits in the first quarter remain below last year's levels, while solvency and liquidity positions stay strong.

Banking system's assets and liabilities, as of 31 March 2026

	Stock	Breakdown	Stock	Breakdown	Stock	Breakdown	Increase in mio EUR		Growth in %
EUR million unless stated, growth rates in %	Dec.09	(%)	Dec.25	in %	Mar.26	in %	Mar.26	in 2026	Mar.26	year-on-year
Assets	52,009	100.0	57,656	100.0	58,497	100.0	347.1	841.1	0.6	6.0
Cash in hand, balances at CB and sight deposits at banks	1,468	2.8	7,714	13.4	7,636	13.1	51.3	-77.7	0.7	-7.0
Loans to banks at amortised cost (including central bank)	5,763	11.1	1,856	3.2	1,690	2.9	-53.5	-166.5	-3.1	17.8
domestic banks	3,531	6.8	123	0.2	167	0.3	-3.2	43.5	-1.9	1.4
foreign banks	2,232	4.3	1,733	3.0	1,523	2.6	-50.4	-210.1	-3.2	20.0
short-term loans to banks	3,020	5.8	1,096	1.9	1,014	1.7	42.7	-81.7	4.4	50.0
long-term loans to banks	2,743	5.3	761	1.3	676	1.2	-96.2	-84.9	-12.5	-10.8
Loans to non-banking sector*	34,132	65.6	30,842	53.5	31,861	54.5	446.1	1,019.5	1.4	9.5
of which non-financial corporations	20,201	38.8	10,187	17.7	10,542	18.0	-35.4	354.8	-0.3	4.8
households	8,072	15.5	14,369	24.9	14,660	25.1	152.6	290.7	1.1	8.5
of which residential			9,222	16.0	9,421	16.1	90.4	198.2	1.0	9.7
consumer			3,470	6.0	3,552	6.1	36.6	81.8	1.0	9.3
government	735	1.4	1,615	2.8	1,619	2.8	-0.7	3.9	0.0	3.3
other financial institutions	2,719	5.2	2,079	3.6	2,101	3.6	12.9	21.9	0.6	6.6
non-residents	2,354	4.5	2,572	4.5	2,920	5.0	317.0	348.0	12.2	48.2
Other FA classed as loans and receivables (at amortised cost)	0	0.0	189	0.3	246	0.4	42.0	56.7	20.6	83.8
Securities / financial assets (FA)**	8,907	17.1	14,674	25.5	14,649	25.0	-161.8	-25.3	-1.1	4.3
a) FA held for trading	890	1.7	70	0.1	105	0.2	15.0	34.4	16.7	-3.7
of which debt securities held for trading	381	0.7	15	0.0	46	0.1	12.1	31.2	35.2	23.4
... government debt securities held for trading	30	0.1	15	0.0	46	0.1	12.1	31.2	35.2	23.4
b) FA measured at FV through P&L not held for trading	0	0.0	54	0.1	53	0.1	-0.8	-0.9	-1.4	-46.0
of which debt securities measured at FV through P&L not held for trading	0	0.0	0	0.0	0	0.0	-0.1	-0.1	-12.9	-71.2
c) FA designated for measurement at FV through P&L	270	0.5	0	0.0	0	0.0	0.0	0.0	0.0	0.0
of which debt securities designated for measurement at FV through P&L	264	0.5	0	0.0	0	0.0	0.0	0.0	0.0	0.0
... government debt securities designated for measurement at FV through P&L	0	0.0	0	0.0	0	0.0	0.0	0.0	0.0	0.0
d) FA measured at FV through other comprehensive income	6,237	12.0	4,461	7.7	4,358	7.4	-141.0	-102.9	-3.1	3.2
of which debt securities measured at FV through other comprehensive income	5,627	10.8	4,211	7.3	4,106	7.0	-137.6	-105.9	-3.2	3.1
... government debt securities measured at FV through other comprehensive income	3,870	7.4	3,073	5.3	2,886	4.9	-146.5	-186.6	-4.8	-2.3
e) Debt securities at amortised cost	1,511	2.9	10,097	17.5	10,141	17.3	-35.1	44.0	-0.3	5.4
of which government debt securities at amortised cost	1,231	2.4	7,351	12.8	7,430	12.7	-33.9	78.4	-0.5	9.6
Investments in subsidiaries, joint ventures and associates	696	1.3	1,420	2.5	1,448	2.5	14.0	27.2	1.0	13.2
Other assets	1,042	2.0	960	1.7	967	1.7	9.1	7.2	0.9	0.1
Equity and liabilities	52,009	100.0	57,656	100.0	58,497	100.0	347.1	841.1	0.6	6.0
Financial liabilities measured at amortised cost (deposits)	46,927	90.2	49,914	86.6	50,878	87.0	609.5	964.6	1.2	6.3
a) Financial liabilities to central bank (Eurosystem)	2,121	4.1	0	0.0	1	0.0	-0.1	1.0	0
b) Liabilities to banks	15,949	30.7	1,285	2.2	1,699	2.9	128.9	414.7	8.2	8.2
of which to domestic banks	2,920	5.6	218	0.4	272	0.5	5.8	54.2	2.2	0.3
of which to foreign banks	13,024	25.0	1,067	1.9	1,428	2.4	123.1	360.5	9.4	9.8
c) Liabilities to non-banking sector (deposits by NBS)	23,892	45.9	44,512	77.2	44,554	76.2	213.5	41.8	0.5	6.7
of which to non-financial corporations	3,850	7.4	11,718	20.3	11,635	19.9	206.9	-83.4	1.8	6.9
households	14,049	27.0	29,170	50.6	29,214	49.9	-213.5	44.2	-0.7	6.7
government	4,008	7.7	954	1.7	944	1.6	91.6	-9.5	10.7	19.3
other financial institutions	1,130	2.2	762	1.3	904	1.5	133.7	141.4	17.4	8.9
non-residents	537	1.0	1,294	2.2	1,247	2.1	-1.9	-47.1	-0.2	-3.5
d) Debt securities	3,442	6.6	3,718	6.4	3,690	6.3	-26.7	-28.1	-0.7	-7.9
e) Other financial liabilities measured at amortised cost***	1,523	2.9	399	0.7	934	1.6	294.0	535.1	45.9	73.4
Provisions	175	0.3	210	0.4	209	0.4	2.7	-0.3	1.3	8.0
Shareholder equity	4,310	8.3	7,228	12.5	7,063	12.1	-258.0	-164.7	-3.5	4.8
Other liabilities	597	1.1	305	0.5	347	0.6	-7.1	41.5	-2.0	-3.5
Balance sheet total	52,009	100.0	57,656	100.0	58,497	100.0	347.1	841.1	0.6	6.0

Notes: * Loans to non-banking sector not held for trading based on “Methodology for compiling the recapitulation of the statement of financial position” comprise loans and other financial assets at amortised cost (from A.VI), at fair value (FV) through P&L (from A.III), and at FV through other comprehensive income (from A.IV).
** Financial assets / securities on the asset side comprise total financial assets from A.II, including loans held for trading, while equities and debt securities other than loans are captured from other categories of financial asset (A.III, A.IV and A.V).
*** Includes subordinated debt until 31 December 2017. Under the IFRS 9 methodology, the item of “subordinated debt” is abolished, and these liabilities are included under liabilities to banks.
Source: Bank of Slovenia.

Current data

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Growth in bank investments

Note: The category "Financial assets/securities" also includes debt securities from the category of loans and receivables. The category "Liquid assets" include cash, balances at CB and sight deposits at banks.

Source: Banka Slovenije

Deposits by sector

Source: Banka Slovenije

ROE, net interest margin, and ratio of impairment and provisioning costs to total assets

Note: The ratios of net interest margin to interest-bearing assets and net impairment and provisioning costs to total assets are always calculated for the preceding 12 months. Pre-tax ROE within the year is calculated on a cumulative basis up to the most recent data available.

Source: Banka Slovenije