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This material was prepared by Žaneta Lacová (Matej Bel University) for the Ethics & Finance course within the project Localizing Economic Education for V4 Countries and Beyond. The project was co-financed by the governments of Czechia, Hungary, Poland and Slovakia through Visegrad Grants from the International Visegrad Fund. The mission of the fund is to advance ideas for sustainable regional cooperation in Central Europe. See https://visegrad.webflow.io/ for more information.
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Too Big To Fail - SLOVAKIACommentsData source**
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Banking industry in 2023:
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Number of banks (consolidated, not branches)22 banks https://subjekty.nbs.sk/?s=930
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Main types of banks (public versus private, universal banks, retails, investment, etc.)Private, universal banks
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Role of subsidiaries of multinationals (qualitive assessment)Commercial banks operating in Slovakia are dominated by those with a total share of foreign equity
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Foreign bank assets among total bank assets (%)100%World Bank Global Financial Development database, 2021
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Foreign banks among total banks (%)100.00%World Bank Global Financial Development database, 2021
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Bank return on assets (%, after tax)0.7%World Bank Global Financial Development database, 2021
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Bank return on equity (%, after tax)8.4%World Bank Global Financial Development database, 2021
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Bank non-performing loans to gross loan (%)2.5in 2020World Bank Global Financial Development database, 2021
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Domestic credit to private sector (as % of GDP)61.8%World Bank Global Financial Development database, 2021
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5-bank asset concentration (2021)99.1%World Bank Global Financial Development database, 2021
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Bank concentration (2021)78.9%World Bank Global Financial Development database, 2021
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Bank deposits to GDP (2021)62.7%World Bank Global Financial Development database, 2021
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Major banking crisis in Slovakia
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Major banking crisis (years, main features and consequences)Loans granted to enterprises until 1989 were granted on the basis of a central plan; after 1989, something had to be done about it, so a decision was made that the bad loans would be transferred to Komerční banka Praha and VÚB Bratislava; since these were bad loans, so in order to clean up these 2 banks, in 1991 the Consolidation Bank was established, to which the bad loans were transferred (the rates of the Consolidation Bank were only 13%, i.e. about 1/2 lower than the rates of other banks)https://openiazoch.zoznam.sk/cl/1721/Ako-slovenske-banky-prezivaju-restrukturalizaciu-a-privatizaciu/https://www.euroekonom.sk/financie/bankovnictvo-a-banky/transformacia-z-jednostupnovej-na-dvojstupnovu-bankovu-sustavu-po-roku-1990/
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