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  • 07/05/2018

    Ljubljana, 05 July (STA) - Risks for Slovenian banks are relatively low as the sector is considerably more resilient to potential new shocks than it was before the crisis, according to the latest financial stability report presented by the central bank.

    "The level of risks is considerably lower than a few years ago, the system is more resilient to cyclical risks such as those in the property market," acting central bank Governor Primož Dolenc told the press on Thursday.

    Banks are less exposed to the construction sector, and bank clients, particularly companies, are much less indebted.

    Only risks stemming from the property market increased somewhat in the second quarter of the year, whereas credit risks further decreased.

    Developments in the property market should be closely monitored as prices in 2017 posted a record rise after the crisis, said Tomaž Košak, director of the department for financial stability and macro prudential policy.

    And despite only a moderate growth in housing loans, the number of transactions on the property market was significantly up and so were investments into new homes.

    If prices start falling, risks for banks would increase, Košak noted, but was quick to add that the banking system was in a much better shape than before the crisis.

    However, the biggest risks are related to banks' revenue at a time of low interest rates and to consumer loans.

    Košak explained the banks were still highly profitable, yet this had been significantly enhanced by releasing abundant provisions and impairments.

    To be profitable in the long run, banks will have to adjust their business models, with a stable growth in corporate loans being key to sustainable profitability.

    However, revenue risks have forced banks to seek new ways of crediting, which leads to risk No.2.

    Košak said banks in Slovenia had been aggressively focusing on hefty consumer loans with a long maturity date and low interest rates.

    Such loans, especially with a maturity date of over 10 years, without warranty and approved in a fast-track procedure, have been rising fast since mid-2016.

    Košak noted the share of such loans is still low, yet its rise could increase the systemic risks, so he urged banks to carefully monitor and manage potential threats.

    Dolenc added the central bank was drawing the issue to individual bank's attention on a regular basis, and urged banks not to lower credit standards.


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