Financial stability

News

18 December 2024

Macroprudential Commentary – December 2024

The financial cycle is entering an upturn, though recovery is not yet visible in all segments. Domestic banks are maintaining their profitability and capital strength. Loan defaults are not excessive, and banks are not having to increase their loan loss provisioning.

25 November 2024

Financial Stability Report – November 2024

Risks have receded slightly, and we see signs of recovery. Non-performing loans are stable, but portfolios are more sensitive to potential shocks.

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.

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.