Situation in the Slovenian banking system

tabela Prikaz tveganj in odpornosti za slovenski finančni sistem

October 7, 2026

Financial Stability Review: Financial system remains stable and resilient to risks

Banka Slovenije’s assessment is that the Slovenian banking system remains stable, despite the economic, financial and geopolitical uncertainties in the international environment. The level of systemic risks remains moderate, with the exception of macrofinancial risks and risks inherent in information and communication technology, which remained elevated, while income risk remains low. The banking system’s resilience to shocks remains high, which Banka Slovenije attributes to macroprudential policy measures and the proactive macroprudential policy stance. A new calculation has also been made for the minimum creditworthiness amount, which will be made available to the relevant public for commentary before any final adoption.

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July 31, 2026

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

July 1, 2026

Centralni pogled #6 - "Supervision is about working for savers"

June 17, 2026

Banking system performs favourably in the first third of the year; risks posed by the international situation

May 4, 2026

Financial Stability Review: banking system remains resilient to risks

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: 23 October 2026

The year-on-year growth rate of the banking system’s total assets slowed to 4.0% in August. Growth in lending to the non-banking sector also slightly decelerated but, at 9.4%, remained close to the highest levels of recent years. In August, compared with the previous month, loans to households, especially housing loans, and to non-financial corporations recorded the largest increases. Credit portfolio quality remains stable, bank profitability high, and the banking system strongly capitalised and liquid.

Note: Data from June to August may be subject to limited subsequent adjustments.

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

	Stock	Breakdown	Stock	Breakdown	Stock	Breakdown	Increase in mio EUR		Growth in %
EUR million unless stated, growth rates in %	Dec 09	in %	Dec 25	in %	Aug 26	in %	Aug 26	Jan-Aug 26	Aug 26	year-on-year
Assets	52,009	100.0	57,656	100.0	58,730	100.0	197.8	1,073.5	0.3	4.0
Cash in hand, balances at CB and sight deposits at banks	1,468	2.8	7,714	13.4	5,770	9.8	-79.4	-1,943.8	-1.4	-22.4
Loans to banks at amortised cost (including central bank)	5,763	11.1	1,856	3.2	1,877	3.2	1.5	21.1	0.1	-1.1
domestic banks	3,531	6.8	123	0.2	152	0.3	-2.0	28.9	-1.3	20.5
foreign banks	2,232	4.3	1,733	3.0	1,725	2.9	3.5	-7.9	0.2	-2.6
short-term loans to banks	3,020	5.8	1,096	1.9	1,219	2.1	2.3	123.5	0.2	3.1
long-term loans to banks	2,743	5.3	761	1.3	658	1.1	-0.8	-102.4	-0.1	-8.0
Loans to non-banking sector*	34,132	65.6	30,842	53.5	32,837	55.9	202.4	1,995.4	0.6	9.4
of which non-financial corporations	20,201	38.8	10,187	17.7	10,752	18.3	35.5	564.5	0.3	4.8
households	8,072	15.5	14,369	24.9	15,208	25.9	111.0	839.1	0.7	8.5
of which residential			9,222	16.0	9,807	16.7	51.8	584.8	0.5	9.8
consumer			3,470	6.0	3,705	6.3	27.4	234.4	0.7	9.5
government	735	1.4	1,615	2.8	1,770	3.0	7.9	154.5	0.4	15.5
other financial institutions	2,719	5.2	2,079	3.6	2,281	3.9	1.4	202.1	0.1	11.1
non-residents	2,354	4.5	2,572	4.5	2,807	4.8	46.4	234.9	1.7	31.8
Other FA classed as loans and receivables (at amortised cost)	0	0.0	189	0.3	240	0.4	-44.3	50.5	-15.6	-8.3
Securities / financial assets (FA)**	8,907	17.1	14,674	25.5	15,611	26.6	95.2	936.8	0.6	6.9
a) FA held for trading	890	1.7	70	0.1	98	0.2	13.2	28.0	15.6	17.5
of which debt securities held for trading	381	0.7	15	0.0	41	0.1	10.8	25.9	35.8	106.5
... government debt securities held for trading	30	0.1	15	0.0	36	0.1	5.9	21.0	19.4	101.6
b) FA measured at FV through P&L not held for trading	0	0.0	54	0.1	59	0.1	1.7	-0.9	2.9	-41.9
of which debt securities measured at FV through P&L not held for trading	0	0.0	0	0.0	1	0.0	0.0	0.5	-0.8	93.4
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	5,007	8.5	43.7	546.0	0.9	12.4
of which debt securities measured at FV through other comprehensive income	5,627	10.8	4,211	7.3	4,749	8.1	43.1	537.4	0.9	12.8
... government debt securities measured at FV through other comprehensive income	3,870	7.4	3,073	5.3	3,388	5.8	44.7	314.5	1.3	7.6
e) Debt securities at amortised cost	1,511	2.9	10,097	17.5	10,453	17.8	36.0	356.5	0.3	4.8
of which government debt securities at amortised cost	1,231	2.4	7,351	12.8	7,869	13.4	44.3	517.5	0.6	9.3
Investments in subsidiaries, joint ventures and associates	696	1.3	1,420	2.5	1,458	2.5	0.0	37.9	0.0	12.5
Other assets	1,042	2.0	960	1.7	935	1.6	22.3	-24.4	2.4	-0.3
Equity and liabilities	52,009	100.0	57,656	100.0	58,730	100.0	197.8	1,073.5	0.3	4.0
Financial liabilities measured at amortised cost (deposits)	46,927	90.2	49,914	86.6	50,735	86.4	129.9	821.7	0.3	3.3
a) Financial liabilities to central bank (Eurosystem)	2,121	4.1	0	0.0	1	0.0	-0.2	0.9	0.0	-93.8
b) Liabilities to banks	15,949	30.7	1,285	2.2	1,754	3.0	12.9	469.4	0.7	14.7
of which to domestic banks	2,920	5.6	218	0.4	251	0.4	-1.8	33.5	-0.7	4.9
of which to foreign banks	13,024	25.0	1,067	1.9	1,503	2.6	14.8	435.9	1.0	16.5
c) Liabilities to non-banking sector (deposits by NBS)	23,892	45.9	44,512	77.2	45,436	77.4	97.1	923.6	0.2	4.7
of which to non-financial corporations	3,850	7.4	11,705	20.3	11,797	20.1	195.5	91.9	1.7	5.0
households	14,049	27.0	29,170	50.6	29,994	51.1	-99.2	824.1	-0.3	5.3
government	4,008	7.7	967	1.7	936	1.6	-32.9	-31.3	-3.4	-6.3
other financial institutions	1,130	2.2	762	1.3	852	1.5	24.2	90.2	2.9	9.6
non-residents	537	1.0	1,294	2.2	1,234	2.1	-2.1	-59.9	-0.2	-6.6
d) Debt securities	3,442	6.6	3,718	6.4	3,058	5.2	7.6	-659.9	0.2	-15.5
e) Other financial liabilities measured at amortised cost***	1,523	2.9	399	0.7	487	0.8	12.4	87.7	2.6	-8.0
Provisions	175	0.3	210	0.4	221	0.4	-4.3	11.6	-1.9	12.7
Shareholder equity	4,310	8.3	7,228	12.5	7,471	12.7	73.2	243.0	1.0	9.0
Other liabilities	597	1.1	305	0.5	302	0.5	-1.0	-2.8	-0.3	3.2
Balance sheet total	52,009	100.0	57,656	100.0	58,730	100.0	197.8	1,073.5	0.3	4.0

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: Banka Slovenije.

Note: Data from June to August may be subject to limited subsequent adjustments.

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. Data from June to August may be subject to limited subsequent adjustments.

Source: Banka Slovenije.

Deposits by sector

Note: Data from June to August may be subject to limited subsequent adjustments.

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. Data from June to August may be subject to limited subsequent adjustments.

Source: Banka Slovenije.