SID Banka stavba

Your partner for competitiveness, growth, and global success in the modern economy.

SID Bank is a promotional, export, and development bank providing financial and insurance services to companies and the public sector. We turn your business ideas into reality and, together with you, shape the future.

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  • OUR SERVICES

    What we Offer

    SID Bank complements the market with long-term development funding and provides systemic support for financing where commercial solutions are insufficient.

     

    Through a comprehensive set of direct and indirect instruments, we enable:

    • access to long-term capital for SMEs and large enterprises,
    • risk mitigation and risk transfer for domestic and international projects,
    • strengthening of banks’ capital and liquidity stability,
    • support for exports, internationalisation, innovation, the green transition, and infrastructure,
    • efficient management of the development portfolio and the release of capital for new projects.

     

    Our solutions integrate financing, insurance, risk sharing, equity instruments, and active asset management into a unified development ecosystem that strengthens the long-term competitiveness of the Slovenian economy.

  • Financing

    Long-term direct and indirect financing focused on SMEs, internationalisation, development, innovation, and sustainable and infrastructure projects.

  • Equity Financing

    SID Bank’s equity financing supports Slovenian companies through diversified capital solutions that enable growth, technological development, and the transfer of business to the next generation.

    More
  • Insurance

    Insurance of export transactions and outbound foreign investments to mitigate business risks and ensure stable and secure operations for Slovenian exporters, investors, and other participants in the international market.

  • Bank Support

    Providing comprehensive support in risk management, strengthening capital stability, and financing export projects – including sharing up to 80% of credit risk, investing in MREL bonds, and offering top-tier insurance for safe and competitive financing of the economy.

  • Support for exporters

    We support Slovenian exporters with long-term financial solutions and export risk insurance that reduce risks in foreign markets and strengthen competitiveness and international growth.

  • Receivables Sales

    Management and sale of receivables and equity investments from the Bank’s own portfolio, particularly non-performing receivables and high-risk investments, with the aim of improving balance sheet structure and the long-term efficiency of receivables management.

  • Additional Solutions

    By complementing our offerings with equity investments, Three Seas Initiative funds, and other development instruments, we promote strategic high-value projects and long-term economic growth.

statistika

Sucess in Numbers

Present in more than 

100

countries

worldwide (2024)

Credit portfolio of  

EUR 1.7

billion

in 2024

Insurance portforilo 

EUR 1.4

billion

in 2024

Working with more than 

1,064

companies

primarily from Slovenia and other European countries

o nas

SID is not a conventional Bank

SID Bank is a promotional, development, and export bank wholly owned by the Republic of Slovenia. Through its banking and insurance services, it supports the competitiveness of the Slovenian economy and sustainable development.

Customer Reviews

Together, we write stories of success

SID Bank has been our trusted partner for many years, providing high-quality services and enabling us to cover temporary liquidity fluctuations and increased outflow needs, while also supporting our investment policy focused on development- and sustainability-oriented projects.

Rosana Školaris

Director of Treasury Petrol

At ELES, we rely on cooperation. We establish and continuously strengthen partnerships across the business, research, and innovation fields. Over the years of our cooperation, SID Bank and its team of excellent professionals have demonstrated a clear understanding of the significance and importance of ELES’ projects.

mag. Darko Kramar

Director of Support Services Eles

SID Bank is a Bank with a capital B. A bank that does not see its relationship with clients in black and white, but understands the grey areas in between. To be capable of this, you must occasionally look into the future through the same window as your client. At the same time, SID Bank has a clear, simple and transparent data-gathering protocol — and, of course, the human element that ultimately decides. With the understanding that time matters.

Dušan Olaj

Chief Executive Officer Duol

We cooperate with SID Bank on several projects. We highly value the professionalism and high level of expertise the bank demonstrates in the project approval and monitoring process. SID Bank’s funding sources are of high quality in terms of pricing, maturity and flexibility of repayment schedules, making them particularly suitable for the hospitality industry.

Branka Šketa

Director of Finance Sava turizem

Every story that aims to be more ambitious and successful also requires financial resources — and we found those resources at SID Bank. With SID Bank, everything is simple, fast and efficient.

Matej Burgar

Director Matica MB

At Riko, we recognize SID Bank as our strategic partner. With its banking products and services, we are able to realize our ambitions and international market activities more effectively and successfully. SID Bank’s solutions enable us to offer our clients a comprehensive package — from technical solutions to project financing — ensuring a closed financial structure while at the same time simplifying the entire process for the client.

Janez Škrabec

Director Riko

Our cooperation with the bank has been very successful. We collaborate fairly on both sides, maintain our business relationships, and strive to complete more projects together in the future. Our expectations have been fully justified.

Dušan Mes

Chief Executive Office, Slovenske železnice

As a public law entity, the municipality issued a request for proposals to commercial banks. Among the offers received, SID Bank’s proposal was by far the most favorable. The entire process, from approval to loan disbursement, proceeded quickly and smoothly thanks to the friendly and highly professional support of SID Bank’s staff.

Miran Stanovnik

Mayor of the Minicipality Log Dragomer

SID Bank’s support during the loan acquisition process has mainly strengthened our confidence in the correctness of our direction. Certainly, the bank’s approach is highly professional and fair. What makes the difference, however, is the friendliness and personal attention of the bank’s staff.

Jože Čad

Director of the Restaurant Čad

SID Bank offers the most favorable financing terms. Our cooperation has been excellent, and you have fully met all our expectations.

Jože Kapler

Mayor of the Municipality Škocjan

Jezeršek Gostinstvo chose SID Bank due to the availability of dedicated loans and favorable conditions, which were crucial for maintaining the company’s liquidity during the COVID crisis. Understanding the situation and the responsiveness of partners are essential for the success and operations of a business, and in this context, choosing SID Bank proved to be the right decision.

Martin Jezeršek

Jezeršek gostinstvo

We chose SID Bank primarily due to its very favorable terms and a financial product perfectly tailored to our sustainability project. The bank’s professional and friendly approach, exceptionally quick responsiveness, and flexibility have definitely contributed to the successful realization of our project. For all these reasons, I recommend SID Bank to our business partners as well as to any other companies considering collaboration.

Aleš Božidar Piščanc

Director Jaz in Božo

We would recommend cooperating with SID Bank to any company seeking fairness, efficiency, and expertise in realizing their investment projects.

Diana Špilak

Director Agrocorn

Simply put, when looking for a bank, it makes sense to choose a reliable, stable, and trustworthy partner. We found all of this at SID Bank, and with their support, we have taken our business one step higher on the ladder of success.

Tatjana Rožanc

Director Contrast

We chose SID Bank based on the recommendation of our business partner. Their financing of working capital and inventories provides us with flexibility in today’s highly unpredictable international market. They are distinguished by their professional approach, responsiveness, and efficiency, which has simplified our operations and enabled long-term development.

Simona Kukovičič

Director Ariessa

Cooperating with SID Bank enables us to operate our business successfully and steadily. It provides us with a sense of security and trust, as well as the opportunity for faster development — thanks, in large part, to the bank’s staff, with whom it is a great pleasure to work.

Petra Melanšek

Director Vivapen

The long-term nature of the loan and the option to defer installment repayments are of key importance to Nepremičnine Celje for its public rental housing construction projects.

Tadej Lebič

Head of Development Projects and Procurement Nepremičnine Celje

After reviewing the banking market, we found that SID Bank’s products were best suited to address the situation we faced. We can say that their service was carried out with exceptional professionalism, and we were also positively surprised by the speed of the loan approval.

Irena Dobnik

Director Doga galvana

Frequently Asked Questions