Statement from the NBS Bank Board’s 12th meeting of 2018

29. 05. 2018 | Press Release of the NBS

The Bank Board of Národná banka Slovenska today (29 May) held its 12th meeting of 2018, chaired by Jozef Makúch, the NBS Governor.

The Bank Board approved NBS’s May 2018 Financial Stability Report.

The Bank Board approved a Decree of Národná banka Slovenska amending Decree No 10/2016 of Národná banka Slovenska laying down detailed provisions on the assessment of borrowers’ ability to repay housing loans.
The new Decree has two main purposes:
- to set a new limit on the debt-to-annual income ratio of borrowers;
- to adjust existing limits on loan-to-value ratios.
The Decree will enter into force on 1 July 2018.

The Bank Board approved a Decree of Národná banka Slovenska amending Decree No 10/2017 of Národná banka Slovenska laying down detailed provisions on the assessment of borrowers’ ability to repay consumer loans.
The new Decree amends provisions on the assessment of borrowers’ ability to repay consumer loans, including by introducing a new limit on the debt-to-annual income ratio of borrowers.
The Decree will enter into force on 1 July 2018.

The Bank Board approved Decisions on the settings of buffer rates for banks in Slovakia designated as other systemically important institutions (O-SIIs). Under these Decisions, the O-SII buffers (for increasing the resilience of O-SIIs) and systemic risk buffers (SRBs) will be set at the following rates from 1 January 2019, when the Decisions enter into force:

  O-SII buffer rate SRB rate after phasing-in
Československá obchodná banka, a.s. 1% -
Poštová banka, a.s. 1% -
Slovenská sporiteľňa, a.s. 1% 1%
Tatra banka, a.s. 0.5% 1%
Všeobecná úverová banka, a.s. 1% 1 %

Further details on these buffer rates will be given in the Decisions themselves, published on the website of Národná banka Slovenska.

The Bank Board took note of NBS’s May 2018 Monthly Bulletin, which will be published on the NBS website.

The Bank Board approved a Decree of Národná banka Slovenska laying down a template of the principal terms and conditions of insurance contracts.
The purpose of the Decree is to lay down a template that should help potential customers when deciding on whether to enter into an insurance contract or on whether an insurance product is suitable for them.
The Decree will enter into force on 1 July 2018.

Martina Vráblik Solčányiová
NBS Spokesperson

National Bank of Slovakia
Communications Section
Imricha Karvasa 1, 813 25 Bratislava, Slovak Republic
Tel.: +421-2-5787 2142, +421-2-5865 2142, +421-2-5787 2169, +421-2-5865 2169
Internet: http://www.nbs.sk

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