Financial stability

News

6 November 2024

Will the digital euro pose a challenge for our banks? (in Slovak)

Slovak banks are potentially more exposed to the impact of the introduction of the digital euro compared to the eurozone. This impact will depend on a number of factors that change over time. Nevertheless, the impact of the digital euro on banks does not currently appear to be significant.

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 are not causing 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.