sk sk

Financial stability


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.

Stone arch bridge over the river

29 May 2023

Financial Stability Report – May 2023

Demand for mortgages as well as corporate loans is falling. Rising costs and interest rates are hitting borrowers, particularly in the commercial real estate sector. Most households should be able to continue servicing their loans. Banks remain resilient thanks in part to their healthy profitability.

Stone landmark at the beach

30 March 2023

Macroprudential Commentary – March 2023

The financial cycle is turning. Mortgage lending has slowed and housing prices have started falling. Some new loans are, however, more high risk. Banks are strong enough to absorb potential losses. The countercyclical capital buffer remains unchanged.

Financial stability

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.

Office buildings at the river Danube embarkment in Bratislava

5 October 2022

Warning of the European Systemic Risk Board (ESRB)

On 22 September 2022, ESRB issued a warning on vulnerabilities in the financial system of the EU. The identified risks pertain to: (i) the deterioration of the macroeconomic outlook, (ii) risks to financial stability stemming from a (possible) sharp asset price correction, and (iii) the implications of such developments for asset quality (including non-performing loans). ESRB calls for microprudential and macroprudential authorities to preserve or enhance this resilience of the financial sector, so that it can continue to support the real economy even if these risks materialise.

7 September 2022

New rules on lending to households

NBS has adjusted the debt-to-income (DTI) ratio limits for loans maturing after the borrower reaches retirement age. It also eased conditions for granting consumer credit for the renovation of family houses under Slovakia’s recovery and resilience plan.

Metal spinning top on a wooden desk