Slovenia

The order required the bank to set unified credit risk management procedures across the bank and its subsidiary DH Leasing d.o.o., and not to rely on the large-exposure exemption for DH Leasing until its risk procedures matched the bank's. Deadlines ran to 15 February 2026. The publication says the bank remedied the breaches in time and that a confirming decision followed on 23 March 2026.

Named as the responsible person alongside Nova ljubljanska banka d. d. in the misdemeanour decision over improper data disclosure through the bank's PSD2 API. He received a reprimand and a court fee of EUR 30.

A misdemeanour decision reprimanded the bank and the director of its IT development for breaching the duty to protect confidential data after an update to its PSD2 API on 26 July 2023. The update made the API sometimes return data for the wrong account to third-party providers, affecting 57 IBAN accounts and 126 instances of improper disclosure. Court fee of EUR 30 each. The decision date is taken from the Bank's list; the PDF does not state it.

Reprimanded as responsible person in the same misdemeanour decision over the bank's remuneration policy; a court fee of EUR 30 applies. She requested court review, so the decision is not final.

Reprimanded as responsible person in the same misdemeanour decision over the bank's remuneration policy; a court fee of EUR 30 applies. He requested court review, so the decision is not final.

Reprimanded as responsible person in the same misdemeanour decision over the bank's remuneration policy; a court fee of EUR 30 applies. He requested court review, so the decision is not final.

A reprimand for a remuneration policy that exempted staff with annual variable pay under EUR 100,000 from deferral and payment in instruments. Nine identified staff received 2021 variable pay of roughly EUR 50,000 to 86,000 gross in 2022 without deferral. The bank and three board members requested court review, so the Bank's list shows the decision as not final. Decision date taken from the Bank's list.

The order found the bank's internal rules did not define unlikely-to-pay events or how to assess them. It required revised internal acts, an action plan by 18 July 2025 and remedy by 31 December 2025. The publication says the bank did not seek judicial review, remedied the breaches in time and that Banka Slovenije confirmed this on 10 March 2026.

The order found the branch had not set up proportionate product oversight and governance for three products (Hybrid Invest, Top nezgoda and Turistično zavarovanje z asistenco), had not defined target markets or distribution strategies precisely enough and had not tested products before marketing. It required remedy within six months and a EUR 5,250 payment to the Agency (a fee, not a fine). The Agency's list shows the violation as remedied. The AZN list is dated 15 April 2026; the PDF gives the order date of 10 March 2025.

The order found four credit risk failures: no development documentation or proof of predictive power for the legal-entity internal rating model, an early warning system that did not detect repayment problems in time, unreliable days-past-due counting because payments were allocated first-in-first-out, and internal acts that did not define unlikely-to-pay events. It set an action plan deadline of 31 March 2025 and remedy dates of 31 December 2025 and 30 June 2026 depending on the violation. The publication says the bank did not seek judicial review and that Banka Slovenije confirmed the remedy by decisions of 23 March 2026 and 15 September 2026.

Fined EUR 2,500 plus a EUR 250 court fee as responsible person in the same misdemeanour decision over the bank's credit risk management failures. She did not seek judicial review.

Fined EUR 2,500 plus a EUR 250 court fee as responsible person in the same misdemeanour decision over the bank's credit risk management failures. He did not seek judicial review.

A fine of EUR 90,000 plus a EUR 9,000 court fee for credit risk management failures between 2018 and 2023: inadequate forward-looking information for provisioning, weak validation of the probability-of-default model, incomplete credit risk opinions and outdated real estate collateral valuations. The two responsible board members were also fined. Neither the bank nor the individuals sought judicial review. Decision date taken from the Bank's list.

The order addressed interest rate risk governance: no treasury function in the first line of defence, exposure above internal limits with no predefined actions, and internal audit that did not review interest rate risk. It required an action plan by 31 December 2024 and remedy by 31 December 2025. The publication says the bank did not seek judicial review and that Banka Slovenije confirmed the remedy on 24 February 2026.

The Agency found that the insurer lacked a sound governance system and clear written rules on profit participation for life policies under ŽZ 2002. It ordered written rules within three months, a reassessment of profit participation from 2019, notification of policyholders and reporting, plus a EUR 1,050 fee. The order became final on 3 March 2025 and the Agency found the violation remedied on 13 October 2025. The AZN list is dated 28 October 2025.

After an on-site inspection from 13 February to 15 April 2024, Banka Slovenije found serious AML/CFT failures, including missing purpose-of-relationship data for all 25 sampled OTC customers, incomplete risk assessments and missing enhanced due diligence. The company had to remedy six groups of violations by 31 March 2025, was barred from doing business with closely linked companies and had to report all customer transactions monthly. The order is final and misdemeanour proceedings were announced. A decision of 9 December 2025 found the violations had ceased after the company stopped virtual-currency services on 30 June 2025. Decision date taken from the Bank's list.

The Agency found that higher distribution commissions from the insurer Vita encouraged NLB to recommend group credit-life insurance, especially to younger customers, even where another product could have suited them better, contrary to acting in policyholders' best interests. NLB had to stop the practice by 1 January 2025 and pay a EUR 1,050 fee. NLB did not object or sue and remedied the violation. The AZN list is dated 6 March 2025; the PDF gives the order date.

The Agency found that Bitset concluded and performed BONUS JAMSTVO guarantee contracts, sold with technical goods, which amounted to insurance business without the required authorisation. It ordered Bitset to stop within 15 days and report, and to pay a EUR 2,100 fee. The order became final on 15 November 2024 after the Administrative Court dismissed a lawsuit. The AZN list is dated 29 November 2024.

The Agency found that agents of other agency companies gave policyholders written notices falsely stating they had contracts with JRM, and that JRM's agents signed policies on tablets without giving the required information first. JRM had 45 days to remedy and had to pay EUR 2,100 to the Agency; the order became final on 21 January 2023 and the Agency says the violation was remedied.