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Financial stability
News
24 September 2024
Macroprudential Commentary – September 2024
The financial cycle is approaching its low point, and the downswing is no longer significant. Signs of recovery are emerging in multiple areas. Although their profits have been reduced by the bank levy, banks remain profitable and well capitalised. Non-performing loan ratios remain low, and banks are not increasing their loan loss provisioning.
17 September 2024
Higher mortgage payments have not caused significant problems (in Slovak)
The transition to higher payments is gradual. Debtors mostly continue to repay without changes even after an increase in payments. Some debtors take advantage of the option to repay early, and the rate of debt increase has also decreased. So far, the increase in payments has not caused any significant repayment problems.
3 September 2024
How do banks participate in the financing of corporate’s investments? (in Slovak)
Bank loans finance about a fifth of the investments of corporates in the increase of long-term resources. There could be some scope for increasing the share of bank financing, especially in the financing of smaller investments and investments in other types of assets than real estate. The share of financing could also increase for new companies that have not received any loans so far and therefore do not have a relationship with a bank.
5 June 2024
Financial Stability Report – May 2024
Even with higher interest rates, loan defaults are not increasing. Geopolitics, public finance developments and commercial real estate remain sources of risk. Higher interest rates are affecting new lending. Financial sector resilience further strengthened, NBS macroprudential policy remains unchanged.
7 May 2024
Other Systemically Important Institutions – April 2024
NBS has narrowed down the O-SII list to 5 banks and has set their capital buffer rates for 2025.
31 January 2024
What is behind the consumer loans recovery?
The consumer credit market experienced a significant recovery in the past period. In 2023 the production of new loans even exceeded the pre-pandemic level. Nevertheless, their risk characteristics are not getting worse. The increase in production is mainly due to higher inflation, which motivates people to speed up their purchases. The improving financial situation of households is also contributing.
