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Slovenian Financial System Remains Stable Amid Economic Uncertainty, Says Banka Slovenije

Ljubljana, Slovenia - Despite an anticipated downturn in the economy and persistent high inflation, the financial system in Slovenia has remained stable this year, according to a recent report by Banka Slovenije.

Key Risks to Financial Stability

According to the central bank, the largest risks to financial stability are:

• Macroeconomic risk: Elevated due to ongoing Russian military aggression against Ukraine and its effects on the economy
• Credit risk: Improved but still elevated, with indicators of credit portfolio quality remaining high
• Real estate market risk: Residential property prices continue to rise, and housing lending increases
• Interest rate risk: Surge in fixed-rate long-term housing loans makes banks more sensitive to interest rates

Banking System’s Resilience

The banking system has a medium solvency and profitability assessment and a high liquidity assessment. However, Banka Slovenije warned that if the economic situation worsens, it could spill over into the financial system.

Macprudential Policy Measures

To address these risks, Banka Slovenije is implementing measures to:

• Limit excessive credit growth: Through macroprudential policy aimed at limiting exposure and real estate market risks
• Increase access to loans for retail customers: To promote economic stability
• Strengthen the buffer against financial cycles: By setting a positive countercyclical capital buffer, which is currently set at zero

Conclusion

The financial system in Slovenia remains stable, with Banka Slovenije’s measures aimed at mitigating risks and promoting resilience in the face of economic uncertainty.