Slovenia: lending & credit regulation

Who regulates

• Banka Slovenije

  Primary supervisor for credit institutions, savings banks, and credit intermediaries; implements EBA guidelines.

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Core laws & rules

• Financial Operations of Credit Institutions and Financial Services Market Act (ZKIF-1) (2011)

  The core national legislation transposing EU directives on consumer credit and mortgage credit, establishing the licensing and supervisory framework for credit institutions and intermediaries.

Licensing & registration

• Credit Intermediation

  Credit intermediaries, including those for immovable property, must meet specific spatial, organizational, technical, and qualification requirements to obtain authorization.

  ^[17][18][20]

• Credit Servicers

  Credit servicers are subject to supervision and must maintain adequate knowledge and experience in their management body, with national registers maintained by the Bank of Slovenia.

  ^[6][9]

Restrictions & warnings

• Providers of consumer credit for immovable property must adhere to strict conditions regarding staff qualifications, organizational structures, and transparent reporting of effective interest rates.

  ^[17][19]

• Credit institutions must implement comprehensive credit risk management, loan origination, and monitoring standards, including specific requirements for arrears, foreclosure, and non-performing loan reporting.

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Direction of travel

• Regulatory focus remains on the strict application of EBA guidelines on credit risk, non-performing loans, and residential property exposures, indicating a continued emphasis on prudential stability and risk management.

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Sources

1. Regulation on the application of EBA Guidelines on proportionate retail diversification methods under Article 123(1) of Regulation (EU) No 575/2013 · 2026-05-15
2. Regulation on the Application of EBA Guidelines on ADC Exposures to Residential Property under Article 126a of Regulation EU 575/2013 · 2025-11-14
3. Regulation on the Application of the Guidelines on Loan Origination and Monitoring · 2025-11-14
4. Regulation on the Application of EBA Guidelines on Arrears and Foreclosure (EBA/GL/2024/10) · 2025-02-18
5. Regulation on the Application of the Guidelines on Loan Origination and Monitoring · 2024-12-12
6. Decision on the Application of Guidelines on the Establishment and Maintenance of National Lists or Registers of Credit Servicers under Directive (EU) 2021/2167 · 2024-07-26
7. Regulation on Credit Purchasers' Reporting on Non-Performing Loans Transferred to a New Credit Purchaser · 2024-05-31
8. Regulation on Credit Institutions' Reporting on Non-Performing Loans Transferred to Credit Purchasers · 2024-05-31
9. Decision on the Application of EBA Guidelines on the Assessment of Adequate Knowledge and Experience of the Management Body of Credit Servicers as a Whole under Directive (EU) 2021/2167 · 2024-05-03
10. Regulation on the Application of Guidelines on the Definition of Default under Article 178 of Regulation (EU) No 575/2013 · 2024-02-02
11. Regulation on the Application of Guidelines on Disclosure of Non-Performing and Forborne Exposures · 2022-11-29
12. Regulation on Credit Risk Management at Banks and Savings Banks · 2021-08-20
13. Regulation on the Application of EBA Guidelines on Management of Non-Performing and Forborne Exposures · 2021-01-08
14. Regulation on the Application of EBA Guidelines on Legislative and Non-Legislative Moratoria on Loan Payments · 2020-12-24
15. Regulation on the Application of EBA Guidelines on Credit Risk Mitigation for IRB Institutions with Own LGD Estimates · 2020-10-26
16. Regulation on the Application of EBA Guidelines on Arrears and Foreclosure · 2020-02-19
17. Regulation on the Conditions for Providing Consumer Lending Services for Immovable Property · 2020-02-19
18. Regulation on the Conditions for Consumer Credit Intermediation Applying to Bank Credit Intermediaries · 2020-02-19
19. Regulation on the Reporting of Effective Interest Rates of Banks and Savings Banks · 2020-02-19
20. Regulation on Conditions for Consumer Credit Intermediation for Immovable Property or Advisory Services · 2020-02-19
21. Regulation on the Application of Guidelines on Estimation of LGD Appropriate for an Economic Downturn · 2020-02-17
22. Regulation on the application of the Guidelines on credit institutions’ credit risk management practices and accounting for expected credit losses · 2020-02-17