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Other systemically important institution buffer (O-SII)
For the most significant domestic banks, the O-SII buffer serves to increase their resilience. These banks are so important to the functioning of the market that if they are in difficulty, so is the whole financial sector.
Recent decisions and Commentary
For 2024, the buffer rates of O-SIIs was set for 6 banks. As from 1. January 2025, the list will be narrowed down to 5 banks and some of their buffer rates will change. Further information can be found in current Commentary on decision.
Individual banks
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365.bank, a.s.: 0.25%
DATE OF DECISION EFFECTIVE DATE O-SII RATE COMMENTARY 22 April 2024
(identification of O-SIIs)1 January 2025 – 2024 22 May 2023 1 January 2024 0.25% 2023 24 May 2022
(identification of O-SIIs)1 January 2023 0.25% 2022 25 May 2021 1 January 2022 0.25% 2021
Until the end of 2021, the capital requirement specific to systemically important banks consisted of the O-SII buffer plus, for some banks, a systemic risk buffer (SyRB).
DATE OF DECISION EFFECTIVE DATE O-SII RATE SYRB RATE COMMENTARY 26 May 2020 1 January 2021 0.25% – 2020 28 May 2019 1 January 2020 1% – 2019 29 May 2018 1 January 2019 1% – 2018 30 May 2017 1 January 2018 1% – 2017 24 May 2016 1 January 2017 2% – 2016 26 May 2015
(identification of O-SIIs)1 January 2016 1% – 2015
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Československá obchodná banka, a.s. : 1.25%
DATE OF DECISION EFFECTIVE DATE O-SII RATE COMMENTARY 22 April 2024
(identification of O-SIIs)1 January 2025 1% 2024 22 May 2023 1 January 2024 1.25% 2023 24 May 2022
(identification of O-SIIs)1 January 2023 1.25% 2022 25 May 2021 1 January 2022 1% 2021
Until the end of 2021, the capital requirement specific to systemically important banks consisted of the O-SII buffer plus, for some banks, a systemic risk buffer (SyRB).
DATE OF DECISION EFFECTIVE DATE O-SII RATE SYRB RATE COMMENTARY 26 May 2020 1 January 2021 1% – 2020 28 May 2019 1 January 2020 1% – 2019 29 May 2018 1 January 2019 1% – 2018 30 May 2017 1 January 2018 1% – 2017 24 May 2016 1 January 2017 1% 1% 2016 26 May 2015
(identification of O-SIIs)1 January 2016 1% – 2015
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Prima banka Slovensko, a.s. : 0.25%
DATE OF DECISION EFFECTIVE DATE O-SII RATE COMMENTARY 22 April 2024
(identification of O-SIIs)1 January 2025 0.25% 2024 22 May 2023 1 January 2024 0.25% 2023 24 May 2022
(identification of O-SIIs)1 January 2023 0.25% 2022
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Slovenská sporiteľňa, a.s.: 2%
DATE OF DECISION EFFECTIVE DATE O-SII RATE COMMENTARY 22 April 2024
(identification of O-SIIs)1 January 2025 2% 2024 22 May 2023 1 January 2024 2% 2023 24 May 2022
(identification of O-SIIs)1 January 2023 2% 2022 25 May 2021 1 January 2022 2% 2021
Until the end of 2021, the capital requirement specific to systemically important banks consisted of the O-SII buffer plus, for some banks, a systemic risk buffer (SyRB).
DATE OF DECISION EFFECTIVE DATE O-SII RATE SYRB RATE COMMENTARY 26 May 2020 1 January 2021 1% 1% 2020 28 May 2019 1 January 2020 1% 1% 2019 29 May 2018 1 January 2019 1% 1% 2018 30 May 2017 1 January 2018 1% 1% 2017 24 May 2016 1 January 2017 1% 1% 2016 26 May 2015
(identification of O-SIIs)1 January 2016 1% 0% 2015
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Tatra banka, a.s.: 1.5%
DATE OF DECISION EFFECTIVE DATE O-SII RATE COMMENTARY 22 April 2024
(identification of O-SIIs)1 January 2025 1.5% 2024 22 May 2023 1 January 2024 1.5% 2023 24 May 2022
(identification of O-SIIs)1 January 2023 1.5% 2022 25 May 2021 1 January 2022 1.5% 2021
Until the end of 2021, the capital requirement specific to systemically important banks consisted of the O-SII buffer plus, for some banks, a systemic risk buffer (SyRB).
DATE OF DECISION EFFECTIVE DATE O-SII RATE SYRB RATE COMMENTARY 26 May 2020 1 January 2021 0.5% 1% 2020 28 May 2019 1 January 2020 0.5% 1% 2019 29 May 2018 1 January 2019 0.5% 1% 2018 30 May 2017 1 January 2018 0.5% 1% 2017 24 May 2016 1 January 2017 1% 1% 2016 26 May 2015
(identification of O-SIIs)1 January 2016 1% 0% 2015
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Všeobecná úverová banka, a.s.: 1.75%
DATE OF DECISION EFFECTIVE DATE O-SII RATE COMMENTARY 22 April 2024
(identification of O-SIIs)1 January 2025 1.75% 2024 22 May 2023 1 January 2024 1.75% 2023 24 May 2022
(identification of O-SIIs)1 January 2023 1.75% 2022 25 May 2021 1 January 2022 1.75% 2021
Until the end of 2021, the capital requirement specific to systemically important banks consisted of the O-SII buffer plus, for some banks, a systemic risk buffer (SyRB).
DATE OF DECISION EFFECTIVE DATE O-SII RATE SYRB RATE COMMENTARY 26 May 2020 1 January 2021 1% 1% 2020 28 May 2019 1 January 2020 1% 1% 2019 29 May 2018 1 January 2019 1% 1% 2018 30 May 2017 1 January 2018 1% 1% 2017 24 May 2016 1 January 2017 1% 1% 2016 26 May 2015
(identification of O-SIIs)1 January 2016 1% 0% 2015
Methodology
Banks are designated as O-SIIs after exceeding a threshold score. This is determined according to a methodology laid down in Guidelines of the European Banking Authority.
The threshold score for O-SII designation is calculated on the basis of indicators in five areas:
- size (total assets);
- importance (value of domestic payment transactions; private sector deposits from depositors in the EU, private sector loans to recipients in the EU);
- complexity (notional value of OTC derivatives; cross-jurisdictional liabilities; cross-jurisdictional claims);
- interconnectedness (intra-financial system liabilities; intra-financial system assets; debt securities outstanding);
- additional national specific indicators (total risk exposure amount; retail* loans; retail deposits).
* The retail sector here refers to households, sole traders and non-profit institutions serving mostly households.
The O-SII buffer must be made up of the highest quality capital – Common Equity Tier 1 (CET1).
Legislation
The statutory framework for capital buffers comprises Sections 33a to 33j of the Banking Act. NBS sets the O-SII buffer rates, at least once a year, through secondary legislation in the form of decisions.
Further information can be found in financial stability legislation.