Razvoj Slovenskega bančništva od osamosvojitve 1991 do danes na primeru banke x

Upon independence, Slovenia had the task of creating a legal foundation for a market capitalist system, transforming its financial system and bringing it closer to the systems of developed Europe. The aim of the survey questionnaire was to determine their needs, wishes and satisfaction and to listen to their suggestions and opinions. The research established that the survey was clear and that the respondents had no difficulties in responding to the questions posed.

Solution and Method

Upon independence, Slovenia had the task of creating a legal foundation for a market capitalist system, transforming its financial system and bringing it closer to the systems of developed Europe. In June 1991, the Bank of Slovenia was established, with which Slovenia achieved monetary independence. Although banking today faces major challenges, we can conclude that Slovenia is a country with a relatively long ** banking tradition** and that the path travelled by the banking sector of independent Slovenia has been successful.

With the help of prudent policies of governments and monetary authorities, Slovenia's banking sector has successfully rehabilitated itself, as Slovenia, according to the London newspaper Economist, is the only transition country that did not experience a banking or broader financial crisis at the end of the previous century and the beginning of this one. Upon independence, Slovenia also created an appropriate ** regulatory framework** in the banking field, which it has appropriately supplemented over the years. Three banking acts were adopted, with which Slovenia prepared for entry into the EU and EMU, and several statutory banking amendments that adapted banking regulation to circumstances in practice.

Two acts on the Bank of Slovenia were also adopted, along with a number of other laws relevant to banks. In addition, Slovenia was also very successful in harmonising its legislation with the European legal order, so that no banking crisis occurred at that time. Slovenian banks entered the current crisis completely ** unprepared**.

State-owned banks no longer generate profit, which has led to a crisis in state banking, behind which there is certainly ** systemic corruption** and a crisis of confidence in banking. State institutions have undoubtedly influenced the ** lending activities** of Slovenian banks. The key problem of Slovenian banking is the so-called political loans in state-owned banks, which are inadequately secured, mainly with company shares.

Thus, state-owned banks (NLB, KBM, ABANKA…) dominate the Slovenian economy, but on the other hand do not service it with loans. As a result, many companies have collapsed. Without lending, there will be no economic growth.

Measures to eliminate the credit crunch are essential. Recapitalisation of state-owned banks alone will not be enough; the liquidity problems of banks that burden lending to companies and the population must be resolved. Banks and the government should actively resolve problematic investments and receivables through the rehabilitation of the banking sector, restore confidence in banks, ensure their liquidity and increase their capital so that they will be safe and attractive to domestic and foreign investors. The business policy and strategy of banks, moral and ethical norms will need to be changed, and the rehabilitation process should also be used to establish the responsibility of those who caused the current situation in banks.

What does the future hold for us? Certainly, the primary task is to resolve the financial or banking crisis and mitigate its consequences. The measures taken so far by the Bank of Slovenia and the Slovenian government are partially satisfactory, but the final solution also depends on developments in the world.

In the diploma thesis, they wanted to present the development of Slovenian banking from independence in 1991 to the present day, using the example of Bank X. They described the establishment of the Bank of Slovenia, the European Central Bank, their tasks and objectives. In the continuation, they focused on resolving the financial crisis in Slovenia and how attempts are being made to resolve it.

They presented Bank X, its development, growth and operations from Slovenia's independence to the present day. They showed its operations in the present time, its objectives and vision for the future, and presented the Posluh 100% project. Based on a survey questionnaire, they investigated the satisfaction and opinions of bank clients regarding the bank's products and services.

Results

The aim of the survey questionnaire was to determine their needs, wishes and satisfaction and to listen to their suggestions and opinions. The research established that the survey was clear and that the respondents had no difficulties in responding to the questions posed. The objective of the set task confirmed that Bank X is recognisable in its operating environment and that its banking products and services largely meet the needs and wishes of its clients.

Furthermore, they established that communication with clients is of exceptional importance to them and that they trust in its professionalism and security of operations. They proved that Bank X is a reliable and credible banking institution.