Slovenská sporiteľňa, a.s.

Slovenská sporiteľňa traces its roots back to the 19th century when “affiliate branches of Die Erste Oesterreichische Spar-Casse” were established in several cities of Slovakia. Since 2001 Slovenská sporiteľňa is a member of Erste Bank Group (Austria). Slovenská sporiteľňa provide a full range of products and services to our clients, from traditional current accounts to various kinds of passbooks, term deposits, payment systems services, loans and modern electronic banking services.

Slovenská sporiteľňa, a.s. is rated by Fitch. Long-term credit rating assigned to the bank by Fitch is BBB+ (good credit quality).

Slovenská sporiteľňa, a.s. participates in deposit guarantee scheme of Slovakia. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Slovenská sporiteľňa, a.s. is a member of Erste Group (Austria).


Tomášikova 48, 832 37, Bratislava, Slovakia

Slovenská sporiteľňa, a.s. is headquartered in Bratislava.

Bank Identifiers


Credit Ratings (as of Apr 2016)

Fitch Moody's
BBB+ (good credit quality) - (not rated)

Credit Rating is an opinion of a credit rating agency about credit worthiness of a company or a government. Slovenská sporiteľňa, a.s. is rated by Fitch.

Credit ratings assigned to Slovenská sporiteľňa, a.s. as of April 2016 are shown in details in the following sections.


Long-term issuer default rating is Fitch's view of a credit institution's relative vulnerability to default on its financial obligations, for Slovenská sporiteľňa, a.s. it is set to BBB+ (good credit quality), outlook is stable (not likely to change). The rating is not on watch. Short-term issuer default rating for Slovenská sporiteľňa, a.s. is set to F2 (good short-term credit quality).

Long-Term Issuer Default Rating  BBB+
    Outlook  stable
    On Watch  No
Short-Term Issuer Default Rating  F2
Viability Rating  bbb+
Support Rating  2
Support Rating Floor  -

Viability rating for Slovenská sporiteľňa, a.s. is set to bbb+ (good fundamental credit quality); support rating is 2 (high probability of external support); support rating floor is not set.

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Slovakia are obliged to participate in Slovakian deposit guarantee scheme.

In the case of Slovenská sporiteľňa, a.s. failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Eligible Depositors  natural persons, legal entities
Covered Accounts  any credit balance
Maximum Protected Amount  100 000 EUR
Paid In Currency  EUR

Further Information


BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).

BIC of Slovenská sporiteľňa, a.s. and its components are shown in the table below.

Bank BIC Code  GIBA
Country Code  SK (Slovakia)
Location Code  BX
Branch Code  XXX


MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of Slovenská sporiteľňa, a.s. is shown in the table below.

MFI ID  SK00151653