Bank operations

Business in 2024

Successful Performance of the DH Group in 2024

The year 2024 was exceptionally successful for us. In the context of higher interest rates, Delavska hranilnica generated a gross profit of as much as EUR 51.5 million. Net interest income increased by 13 percent, while net fees remained at the same level, as service prices were unchanged.

Our subsidiary, DH Leasing, also achieved its business goals, generating EUR 1.1 million in gross profit in 2024.

Total assets of Delavska hranilnica reached EUR 2.36 billion, maintaining our position as the seventh-largest banking institution in Slovenia. Deposits increased by EUR 173 million, and our loan portfolio, which grew by EUR 83 million, surpassed the EUR 1 billion threshold.

The non-performing loan (NPL) ratio remains one of the lowest in the banking system at 0.83%, demonstrating our prudence in risk management. At the end of the year, our capital adequacy ratio stood at 19.14%.

Employee Well-being and Sustainable Development

Believing that satisfied employees are the key to success, we joined the Healthy Employees program, which promotes workplace well-being. We introduced active breaks and additional sports activities tailored to employees’ preferences and needs.

In terms of sustainable development, we continue to ensure the accessibility of our services through 35 branches across Slovenia. In 2024, we renovated four branches and relocated our Ljubljana branch to a new location at Dalmatinova 4.

Digitalization and Social Responsibility

We are committed to innovation and digitalization. As one of the first banks in Slovenia, we enabled our customers to make contactless payments via Apple Pay and Google Pay, offering greater convenience and security in everyday transactions.

We also fulfil our mission through social responsibility. We continue to invest in financial literacy programs for young people and support humanitarian projects through our initiative, #DobroHočemo. Our focus remains on humanitarian efforts aimed at vulnerable groups (such as children's health and elderly care) and initiatives that promote decent work for all.

Trust That Matters

We are extremely proud that, according to a Valicon survey, we have been named the most trusted bank on the Slovenian market for the ninth consecutive year. This recognition confirms our dedication to customers, the quality of our services, and the trust we have earned in the market.