The Central Bank of Slovenia, in its Financial Stability Review, assessed risks to the Slovenian banking system as moderate overall but judged the outlook to be worsening. Macrofinancial risk and cyber risk are both rated elevated, while the banking system is still viewed as highly resilient because of strong capital and liquidity positions and a preventive macroprudential policy stance. Macrofinancial risk has been reincluded in the review and carries a rising outlook as trade and geopolitical tensions, the conflict in the Middle East, higher energy prices and supply chain disruption increasingly affect the real economy and could later raise bank credit losses. Credit risk, real estate market risk and interest rate risk remain moderate with rising outlooks, including pressure on energy-intensive firms, chemicals, logistics and construction and continued growth in housing loans and fixed-rate lending. Funding risk and climate risk remain moderate with stable outlooks, income risk stays low, deposits remain the main source of bank funding, and banks reported no cyber threats or major cyber incidents in 2025 or early 2026 that caused material damage.
Central Bank of Slovenia 2026-05-04
Central Bank of Slovenia assesses banking system risks as moderate overall but flags elevated macrofinancial and cyber risks
The Central Bank of Slovenia’s latest Financial Stability Review assesses overall banking system risks as moderate but worsening, with macrofinancial and cyber risks elevated despite strong capital, liquidity and a preventive macroprudential stance. Macrofinancial risk is rising amid trade and geopolitical tensions, higher energy prices and supply chain disruptions. Credit, real estate and interest rate risks are moderate but increasing, especially for energy‑intensive firms and housing and fixed‑rate lending. Funding and climate risks are moderate with stable outlooks, income risk is low, deposits remain the main funding source, and no material cyber incidents were reported in 2025 or early 2026.