Banks have been doing business in an environment of moderate economic growth this year. The gradual cuts in the ECB’s key interest rates are also being reflected in lending to the non-banking sector. Banks are continuing to lend mostly to the household sector (predominantly consumer loans), while corporate lending remains weak. Deposits by the non-banking sector remain a stable source of funding for Slovenian banks, with a notable inflow of household deposits this year.

Na ravni evrskega območja gotovina ostaja največkrat uporabljeni plačilni instrument, ob čemer delež njene uporabe upada. Na drugi strani se krepi uporaba elektronskih plačil, ki prevladuje pri plačilih večjih vrednosti. Večina sodelujočih ocenjuje elektronska plačila kot hitrejša in enostavnejša, hkrati pa možnost plačevanja z gotovino omenja kot pomembno. V Banki Slovenije ugotavljamo, da Slovenija ostaja med državami z največjim deležem uporabe gotovine pri vsakodnevnih plačilih.

According to the economic projections released today by Banka Slovenije, economic growth has slowed this year following the rapid post-pandemic recovery, but will strengthen again between 2025 and 2027 to average 2.5% over this horizon. Employment growth will however be slower than in recent years. After falling sharply, inflation will stabilise close to the 2% price stability target rate over the projection horizon. The projections are accompanied by risks associated with structural challenges, and with geopolitical uncertainty and potential protectionist measures in international trade.