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Financial stability

News

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.

Stone arch bridge over the river

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.

Financial stability

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.

Financial stability

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.

Financial stability

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.

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