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Slovenia Country Report

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  • Published Date: August 2017

A comprehensive overview of the cards, payments and consumer banking market in Slovenia.


  • Slovenia experienced three consecutive years of solid economic growth following two years of recession in 2012 and 2013.
  • The government established a bad bank in 2013 to take on non-performing loans of the country's banks. The banking industry has also undergone a period of consolidation.
  • The performance of the banking sector has improved due to these measures, but non- performing loans remain an issue.
  • By European standards, consumer indebtedness is low in Slovenia: the average debt per household was less than $12,000 at the end of 2016.
  • Card use is well established, with card penetration and acceptance among the highest in Eastern Europe.
  • Revolving credit cards are a rarity; deferred debit and charge cards dominate the pay-later segment.
  • Both banks and retailers are active in credit card issuing. International networks compete with domestic schemes and private label cards.
  • Credit card profits are low in Slovenia largely due to the absence of any significant interest income. Annual fees are the main source of revenue for issuers.
  • Debit cards are used primarily to withdraw cash, and there has been little evidence of a shift towards the POS in recent years.
  • Merchant acquiring is carried out by the banks in Slovenia, while Bankart and Intesa Sanpaolo Card are the leading processors.

Slovenia Payments Research | Report Contents

Demographics and Economy:
Outlines the key metrics and trends which influence the development of retail banking and payments in the country:

  • Population structure
  • Income
  • Mobile and internet use
  • Economic data

Retail Banking:
Explores the structure of the local banking system, its infrastructure and the leading players. Data includes:

  • Aggregate retail banking indicators
  • Bank branch, ATMs and POS terminals
  • The profitability of top banks

Consumer Finance:
Overview of consumer finance in the country. Categories analysed include:

  • Mortgage loans
  • Personal loans
  • Credit card loans
  • Vehicle loans

Credit Cards:
Industry-leading credit card coverage. We detail the past present and future of the industry through our credit card data and commentary, including:

  • Market size split by consumer and commercial credit cards: number of cards, transaction volume, billed volume
  • Profit pool analysis
  • Competitive landscape: networks, issuers

Debit Cards:

  • Market size: number of cards, transaction volume, billed volume
  • Competitive landscape: networks, issuers

Prepaid Cards:

  • Market size: number of cards, transaction volume, billed volume


Verisk financial reports include detailed market and competitor intelligence on payments cards, e-money, acquiring, retail banking, and consumer credit in Europe. Analysts use primary and secondary source data and conduct in-depth interviews with senior industry executives and finance experts.

See more European country reports or explore cards & payments research reports for markets worldwide or view our latest reports.

To find out more or to discuss subscription options, please email: research_enquiries@verisk.com or telephone: +44(0)20 7337 4200.