Background

Situation in the Slovenian banking system

evropske zastave v ozadju stavba ECB

January 20, 2025

This year’s EU-wide stress tests for significant institutions in the Eurosystem begin

Under the aegis of the European Banking Authority (EBA) and the ECB, this year we will once again conduct stress tests for the 96 largest banks in the euro area. Of these, 45 fall under the direct supervision of the ECB. This sample of banks account for approximately 75% of the aggregate balance sheet total of banks in the euro area. The stress tests will be based on a bottom-up approach, with a number of top-down elements.

Monthly report on bank performance

Published: April 15, 2025

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.

We are releasing the December and January statistical supplement with revised data, as banks have reported subsequent corrections for the observed periods. These corrections pertain to deposits within the other financial sector and NFC.

Banking system's assets and liabilities, as at 28 February 2025

 

Stock

Breakdown

Stock

Breakdown

Stock

Breakdown

        Increase in mio EUR

Growth in %

EUR million unless stated, growth rates in %

Dec.09

(%)

Dec.24

in %

Feb.25

in %

Feb.25

in 2025

Feb.25

year-on-year

Assets

52,009

100.0

54,236

100.0

55,318.5

100.0

357.9

1,082.6

0.7

5.0

Cash in hand, balances at CB and sight deposits at banks

1,468

2.8

8,854

16.3

8,853.8

16.0

-142.8

-0.2

-1.6

-23.6

Loans to banks at amortised cost (including central bank)

5,763

11.1

1,450

2.7

1,431.6

2.6

80.3

-18.7

5.9

-1.6

  domestic banks

3,531

6.8

181

0.3

174.8

0.3

1.1

-6.3

0.7

-26.2

  foreign banks

2,232

4.3

1,269

2.3

1,256.8

2.3

79.2

-12.4

6.7

3.2

  short-term loans to banks

3,020

5.8

674

1.2

654.7

1.2

60.9

-19.6

10.3

60.3

  long-term loans to banks

2,743

5.3

776

1.4

777.0

1.4

19.3

0.9

2.6

-25.8

Loans to non-banking sector*

34,132

65.6

28,405

52.4

28,877.3

52.2

255.8

471.9

0.9

7.2

  of which non-financial corporations

20,201

38.8

9,762

18.0

10,107.3

18.3

171.4

345.1

1.7

1.7

    households

8,072

15.5

13,311

24.5

13,388.9

24.2

50.8

77.8

0.4

6.1

      of which residential

 

 

8,473

15.6

8,535.4

15.4

41.5

62.8

0.5

4.5

       consumer

 

 

3,161

5.8

3,210.5

5.8

29.6

49.7

0.9

12.7

     government

735

1.4

1,451

2.7

1,459.3

2.6

3.0

7.9

0.2

10.2

     other financial institutions

2,719

5.2

1,968

3.6

1,972.1

3.6

8.9

4.0

0.5

69.4

     non-residents

2,354

4.5

1,888

3.5

1,927.1

3.5

23.5

39.2

1.2

3.1

Other FA classed as loans and receivables (at amortised cost)

0

0.0

195

0.4

138.5

0.3

-7.1

-56.8

-4.9

2.1

Securities / financial assets (FA)**

8,907

17.1

13,112

24.2

13,786.5

24.9

149.3

674.7

1.1

29.6

 a) FA held for trading

890

1.7

90

0.2

85.1

0.2

-10.0

-5.1

-10.5

-11.4

of which debt securities held for trading

381

0.7

10

0.0

10.2

0.0

-7.6

0.0

-42.7

73.2

... government debt securities held for trading

30

0.1

10

0.0

10.2

0.0

-7.1

0.0

-41.0

73.2

 b) FA measured at FV through P&L not held for trading 

0

0.0

88

0.2

92.2

0.2

1.9

4.1

2.1

-10.1

of which debt securities measured at FV through P&L not held for trading

0

0.0

1

0.0

1.2

0.0

0.0

0.0

-0.8

-37.8

 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

0.0

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

4,004

7.4

4,204.3

7.6

104.2

200.3

3

37.3

of which debt securities measured at FV through other comprehensive income

5,627

10.8

3,766

6.9

3,964.2

7.2

102.1

198.0

3

38.3

... government debt securities measured at FV through other comprehensive income

3,870

7.4

2,871

5.3

2,952.8

5.3

65.3

81.5

2

40.4

 e) Debt securities at amortised cost 

1,511

2.9

8,929

16.5

9,404.9

17.0

53.2

475.4

1

27.5

of which government debt securities at amortised cost

1,231

2.4

6,178

11.4

6,590.0

11.9

65.8

412.3

1

29.5

Investments in subsidiaries, joint ventures and associates 

696

1.3

1,261

2.3

1,262.5

2.3

1.1

1.1

0

19.4

Other assets

1,042

2.0

958

1.8

968.3

1.8

21.4

10.7

2

14.2

Equity and liabilities

52,009

100.0

54,236

100.0

55,318.5

100.0

357.9

1,082.6

1

5.0

Financial liabilities measured at amortised cost (deposits)***

46,927

90.2

46,995

86.6

47,936.6

86.7

257.0

941.6

1

4.4

 a) Financial liabilities to central bank (Eurosystem)

2,121

4.1

0

0.0

0.0

0.0

0.0

0.0

0

-100.0

 b) Liabilities to banks

15,949

30.7

1,484

2.7

1,669.0

3.0

-9.5

184.9

-1

-15.6

 of which to domestic banks

2,920

5.6

286

0.5

276.9

0.5

-5.2

-8.7

-2

-29.3

 of which to foreign banks

13,024

25.0

1,199

2.2

1,392.1

2.5

-4.4

193.6

0

-12.2

 c) Liabilities to non-banking sector (deposits by NBS)

23,892

45.9

41,625

76.7

41,799.0

75.6

231.1

174.0

1

3.3

of which to non-financial corporations

3,850

7.4

10,910

20.1

10,741.8

19.4

9.1

-168.7

0

1.7

  households

14,049

27.0

27,309

50.4

27,582.3

49.9

177.0

273.4

1

4.8

  government

4,008

7.7

769

1.4

791.0

1.4

-18.9

22.3

-2

-11.5

  other financial institutions

1,130

2.2

824

1.5

857.0

1.5

35.3

33.1

4

7.3

  non-residents

537

1.0

1,235

2.3

1,253.1

2.3

26.8

18.4

2

-4.4

 d) Debt securities

3,442

6.6

3,504

6.5

4,004.7

7.2

12.1

500.2

0

36.0

 e) Other financial liabilities measured at amortised cost****

1,523

2.9

381

0.7

463.9

0.8

23.3

82.5

5

-0.8

Provisions 

175

0.3

204

0.4

195.1

0.4

-5.9

-8.6

-2.9

5.2

Shareholder equity

4,310

8.3

6,681

12.3

6,810.3

12.3

88.1

129.3

1.3

9.6

Other liabilities

597

1.1

356

0.7

376.6

0.7

18.7

20.2

5.2

15.4

Balance sheet total 

52,009

100.0

54,236

100.0

55,318.5

100.0

357.9

1,082.6

0.7

5.0


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).
***Total financial liabilities measured at amortized cost in 2008 also include banks' liabilities to the central bank.
**** 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

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. For 2013, the value of ROE was -100.

Source: Banka Slovenije

Publications regarding situation in the Slovenian banking system

Naslovnica publikacije
December 31, 2024

Report on Bank Performance with Commentary, December 2024

Naslovnica publikacije
November 22, 2024

Financial Stability Review, October 2024

Naslovnica publikacije
July 19, 2024

Report on Bank Performance with Commentary, June 2024

Naslovnica publikacije
June 7, 2024

Financial Stability Review, May 2024