Savings Bank

What Savings Bank does

Delavska hranilnica d.d. Ljubljana (Savings Bank) is a Slovenian public limited company and retail/commercial bank headquartered in Ljubljana, Slovenia, listed on the Ljubljana Stock Exchange under the ticker lje:DEHG. The company serves retail individuals, small and medium enterprises, trade-union members, and the agricultural sector through a multi-channel platform that combines a physical branch network (Poslovalnice) with personal online banking (DH Osebni), business online banking (DH Poslovni), a mobile banking app (DH Mobilni), and a mobile wallet for contactless payments (DH Denarnik). Its product suite spans tiered account packages (DH Enostavni, DH Napredni, DH Brezskrbni, DH paket 35), debit/credit/prepaid cards, a broad lending book (personal, housing, green, union-member, farmer loans), insurance products, deposits, mutual funds, supplementary pension insurance, and vehicle/equipment leasing via its subsidiary DH Leasing.

The bank's revenue model is anchored in traditional banking mechanics: net interest income from the diversified loan book, transaction and account fees, and leasing-related income. Pricing is published via the "Stroški in obrestne mere" schedule, with subscription-style monthly billing on account packages. Customer acquisition leans on a free account-switching service, a referral program (up to EUR 40 per referral), and 10 consecutive years (2016–2025) of being named Slovenia's most trusted bank in Valicon's independent "All Finance | Banke" research. Operationally, the bank emphasizes a personal in-branch approach layered with digital self-service, including SEPA Instant payment capability for immediate pension disbursement and PSD2-compliant open banking (Odprto bančništvo) for third-party access. Governance is exercised through a public shareholder structure, evidenced by the 28th annual shareholders' meeting and recurring dividend distributions (EUR 12.50 per share approved in June 2025); ownership details beyond this are not disclosed in the source material.

Name

Savings Bank

Legal name

Delavska hranilnica d.d. Ljubljana

Website

https://delavska-hranilnica.si

Company type

Public

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Delavska hranilnica d.d. Ljubljana is a Slovenian retail and commercial savings bank offering accounts, cards, loans, insurance, leasing, and digital banking to individuals, SMEs, trade-union members, and farmers across Slovenia.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Finance and Insurance (52)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industries

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Retail banking services
• Savings accounts
• Consumer lending
• Personal loans
• Digital banking

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking interest income from loans including personal loans, housing loans, green loans, and business financing
2. Fee and Commission Income: Fees from account maintenance, card services, payment processing, and other banking services
3. Leasing Services: Vehicle leasing and agricultural/forestry equipment leasing through DH Leasing

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels3 records

Core offering

Delavska hranilnica is a Slovenian savings bank that provides personal and business banking products including current accounts, debit/credit/prepaid cards, mortgage and personal loans, leasing, insurance, deposits, mutual funds, and supplementary pension insurance. The bank distributes these services through a physical branch network, online and mobile banking platforms, a mobile wallet, and a contact center.

Product overview

Delavska hranilnica (Savings Bank) operates as a diversified financial services provider offering a comprehensive portfolio of banking products organized into account packages, card products, lending solutions, insurance offerings, and savings/investment products. The bank's core offerings include DH branded account packages (DH Enostavni, DH Napredni, DH Brezskrbni, DH paket 35), debit and credit card products including Mastercard World, various loan products for personal, housing, and agricultural purposes including green/eco-friendly loans, and insurance products. Digital banking services are delivered through DH Osebni (personal online banking), DH Poslovni (business online banking), DH Mobilni (mobile banking app), and DH Denarnik (mobile wallet). Additional services include Rekono secure authentication, E-obvestila notifications, and Odprto bančništvo open banking. The bank also operates DH Leasing as a subsidiary providing vehicle and equipment leasing. The bank has been recognized as the most trusted bank in Slovenia for 10 consecutive years according to Valicon's All Finance research.

Differentiator

Problem solved

Functional benefit

Brands

• DH Denarnik: Mobile wallet application for digital payments
• DH Osebni
• DH Poslovni
• DH Leasing
• Rekono račun
• DH EYCA Mladostni paket
• DH Medvedkov račun

Products and services

• Debit Card (Debetna kartica)

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Nova KBM (Banka Intesa Sanpaolo): Major Slovenian retail and business bank, now part of the Intesa Sanpaolo group. Competes head-to-head with DH in retail accounts, housing loans, and SME lending in Slovenia, with stronger backing from a large European banking parent.
• UniCredit Banka Slovenija: Slovenian subsidiary of UniCredit, offering retail, corporate, and private banking. Comparable customer overlap to DH in retail and SME banking, with the advantage of a large European parent's funding, technology, and product platforms.
• Nova Ljubljanska Banka (NLB): Largest Slovenian banking group offering retail, SME, corporate, and asset management services. Direct domestic competitor across the same customer segments (retail accounts, mortgages, business banking) that Delavska hranilnica serves, but with materially greater scale, EU-wide presence, and capital markets capabilities.
• SKB Banka (part of OTP Group): Slovenian universal bank providing retail, corporate, and leasing services. Overlaps directly with DH's retail accounts, lending, and DH Leasing operations, with the additional backing of the OTP banking group.
• Erste Group / Sparkasse: Major CEE banking group with Sparkasse savings-bank heritage across multiple markets including Slovenia-adjacent Austria and CEE. Comparable retail and savings-bank DNA to Delavska hranilnica, with materially larger scale and regional footprint.

Regional players

• Gorenjska banka: Slovenian regional bank with retail, SME, and corporate banking offerings. Comparable to DH in domestic Slovenian retail and business banking focus, with a similar community/regional-bank profile.
• Deželna banka Slovenije (DBS): Slovenian cooperative/regional bank with a domestic branch footprint serving retail, agricultural, and SME customers. Highly comparable to DH in customer profile and product mix, particularly in agricultural lending and regional retail banking.
• Raiffeisen Bank Slovenia (Raiffeisen banka): Slovenian arm of the Raiffeisen Banking Group offering retail, corporate, and leasing services. Competes with DH in retail deposits, housing loans, and SME financing in Slovenia, with the backing of a large Austrian cooperative banking network.
• Addiko Bank: Central and Eastern European retail and SME bank active across the former Yugoslav and Adriatic region. Comparable to DH in retail/SME lending orientation and digital banking focus, though at greater scale and across multiple CEE markets.

Direct peers

• BKS Bank: Austrian mutual savings bank (Bausparkasse) offering savings, lending, and retail banking. Closest structural analog to Delavska hranilnica as a regional mutual/savings bank with a similar retail and housing-lending focus in a neighboring Alpine market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/DelavskaHranilnica
• Instagraminstagram.com/delavska_hranilnica

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Savings Bank