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Financial stability
News
8 April 2024
Macroprudential Commentary – March 2024
The financial cycle has now been in a downswing for six months, but developments in the credit and housing markets suggest that this trend may not continue. Banks recorded healthy profits in 2023 and improved their capital adequacy.
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.
27 November 2023
Financial Stability Report – November 2023
Mortgage and corporate loan originations have stabilised at a slightly reduced level in 2023. Households and firms have been able to service their loans even at higher interest rates. Going forward, however, economic developments will be a key factor. The banking sector remains resilient with sufficient levels of capital and liquidity.
16 August 2023
The increase in mortgage payments is manageable for most households (in Slovak)
As a result of the increase in interest rates, every second mortgage will face an increase in repayment by the end of 2025. Additional expenses for installments will be on average at the level of 5% to 7% of income. Such an increase should be manageable for most households. The situation therefore does not require an implementation of broad measures.
30 May 2023
Other Systemically Important Institutions – May 2023
NBS has set the capital buffer rates specific to ‘other systemically important institutions’ (O-SIIs) in Slovakia from January 2024.
25 January 2023
Recommendation of the ESRB on vulnerabilities in the commercial real estate sector
The European Systemic Risk Board (ESRB) recommends improving the monitoring of the commercial real estate (CRE) sector and its financing in the European Economic Area countries. The goal is to identify and assess potential risks to financial stability. If necessary, it recommends taking steps aimed at ensuring prudent practices for CRE financing and strengthening the resilience of financial institutions.
