Bank operations

Business Operations in 2025

Performance of the DH Group in the First Nine Months of 2025

In the first nine months of 2025, Delavska hranilnica achieved EUR 30.3 million in gross profit and EUR 23.9 million in net profit, which is EUR 9 million gross less than in the same period last year. With the continued decrease in ECB interest rates, the bank’s net interest income fell by 11 percent, while net fees and commissions increased by 9 percent.

The balance sheet total grew to EUR 2.55 billion. Deposit growth reached 8 percent, while loan growth was nearly 10 percent. The share of non-performing loans (NPLs) remains among the lowest in the Slovenian banking system at 0.92 percent, confirming our responsible risk management policy. The capital adequacy ratio increased to 23.4 percent in 2025, successfully meeting the prescribed MREL requirement.

The subsidiary DH Leasing generated just under EUR 700 thousand in gross profit and increased the volume of approved investments by 15 percent compared to the previous year.

Care for Employees and Society

Dedicated and professionally trained employees are the foundation of our success. In the first half of the year, we carried out 131 internal, external, and e-learning training programmes attended by as many as 3,047 employees.

We are committed to our sustainability goals and actively participate in improving the financial literacy of young people. Through the #DobroHočemo humanitarian programme, we support vulnerable groups with financial aid through published calls for proposals.

The year 2025 is also the Year of Persons with Disabilities. In accordance with new legislation, we introduced numerous improvements and removed barriers that persons with disabilities face in both physical and digital banking. We will continue these activities in the future.

Digital Transformation

We continue to develop user-friendly and advanced digital solutions that enhance the functionality of our digital channels. Mobile banking is becoming the central tool of our development, as it enables remote transactions and greater digital accessibility for clients.

According to the analysis of online banking for business users conducted by E-laborat, our online banking platform DH-Poslovni ranked second in Slovenia.

Trust and Reputation

We thank you for your trust, which has helped us be selected as the most trusted bank in Slovenia for the tenth consecutive year according to a Valicon survey. This recognition reflects our commitment to customers, responsible business practices, and dedication to a sustainable future.

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