Delavska hranilnica

What Delavska hranilnica does

Delavska hranilnica d.d. Ljubljana is a Slovenian savings bank founded in November 1990 and operating since February 1991, headquartered in Ljubljana, Slovenia. It provides a full suite of retail and small/medium-enterprise banking products including current accounts (DH Enostavni, Napredni, Brezskrbni, Paket 35, EYCA Mladostni, Medvedkov, Osnovni plačilni račun), Mastercard debit/credit/prepaid cards, personal loans (up to €30,000), housing mortgages, green financing, agricultural and union-member loans, deposits, mutual funds, supplementary pension insurance, and travel/accident insurance. The bank operates 33 branches and 2 dedicated business centers (Podjetniški center zahod and vzhod) plus 55 ATMs across Slovenia, alongside digital channels comprising DH Osebni online banking, DH Mobilni mobile banking, DH Denarnik mobile wallet (with Google Pay, Apple Pay, and Flik integration), and Rekono unified digital identity.

The bank's revenue model is anchored in net interest income from lending and deposits, supplemented by recurring account/package maintenance fees (€1.47-€11.80/month), card annual fees (€19.50-€39.00), and commission income from insurance distribution (Triglav, Generali, Sava, Modra zavarovalnica), mutual fund distribution (Triglav Skladi), and financial leasing through its 100%-owned subsidiary DH Leasing d.o.o. (licensed October 2019). Ownership is held by approximately 500 shareholders structured across three pillars: the trade union pillar (ZSSS and affiliated unions) as the largest, individuals (~30%), and legal entities (~30%); a stable 5% dividend yield is maintained. The bank was recognized as the most trusted bank in Slovenia for ten consecutive years (2016-2025) by independent Valicon research and operates with a 2023-2027 strategy emphasizing sustainability and the green transition.

Name

Delavska hranilnica

Legal name

Delavska hranilnica d.d. Ljubljana

Website

https://dh.si

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

251–500 employees

Short description

Delavska hranilnica is a Slovenian savings bank serving retail, SME, agricultural, and trade union members across Slovenia via 33 branches, 55 ATMs, and digital channels (DH Mobilni, DH Osebni, DH Denarnik), offering accounts, loans, cards, insurance, and mutual funds, with subsidiary DH Leasing.

Ownership category

akta.pro rank

Product category

Retail Banking

akta.pro primary industry

Account Opening, KYC/AML & Customer Due Diligence (CDD/EDD) (FSABALAA)

Keywords

• Retail banking services
• Consumer lending products
• Mortgage financing
• Business banking solutions
• Financial leasing services

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

HQ region

Europe

Offices16 records

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. Net Interest Income: Primary revenue stream from interest rate spreads on loans (personal, housing, green, farmer, and union member loans) and deposits. The bank maintains competitive pricing as a key differentiator on the Slovenian banking market.
2. Fee and Commission Income: Monthly account/package maintenance fees, card fees (annual memberships ranging from €19.50 for classic to €39.00 for gold credit cards), transaction commissions, and insurance premium processing fees.
3. DH Leasing Operations: Financial leasing subsidiary (100% owned) generates revenue from vehicle and equipment leasing. Operating since 1998, licensed by Ministry of Economic Affairs since October 2019.
4. Investment Fund Distribution: Commission revenue from marketing Triglav mutual funds (Triglav vzajemni skladi) as an authorized distributor. Provides access to diversified investment products.
5. Insurance Distribution: Commission income from selling credit insurance, card insurance, travel insurance, accident insurance, and supplementary pension insurance in partnership with Triglav, Generali, Sava, and Modra zavarovalnica.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels6 records

Core offering

Delavska hranilnica d.d. Ljubljana is a Slovenian savings bank that offers retail and business banking products including tiered payment accounts (DH Enostavni/Napredni/Brezskrbni), basic payment accounts, youth and children's accounts, debit/credit/prepaid cards, consumer and housing loans (including green variants), specialized loans for union members and farmers, term deposits and instalment savings, mutual fund and supplementary pension insurance distribution, credit/card/travel/accident insurance, and financial leasing through its wholly-owned subsidiary DH Leasing d.o.o. (vehicle and agricultural/forestry equipment leasing). Services are delivered through 33 branches, 2 dedicated business centers, 55 ATMs, and digital channels including DH Mobilni, DH Osebni, DH Denarnik, and DH Poslovni, with Rekono authentication across all channels.

Product overview

Delavska hranilnica is a Slovenian savings bank (hranilnica d.d.) offering a broad portfolio of retail and business banking products across a platform-plus-channel model. Its core digital channels include DH Osebni (web banking), DH Mobilni (mobile banking app), and DH Denarnik (mobile wallet with Mastercard, Google Pay, Apple Pay, and Flik support). These are complemented by an extensive branch network of 33 branches and 55 ATMs across Slovenia. Retail products span multiple account packages (DH Enostavni, DH Napredni, DH Brezskrbni, DH Paket 35 with youth discounts, DH EYCA Mladostni for 15–29 year olds, DH Medvedkov for children, and a basic payment account), debit cards (BA Maestro and Mastercard debit in classic and gold), credit cards (Mastercard in classic and gold with instalment options), prepaid cards, and a full suite of lending including personal loans, housing mortgages, green housing loans, green personal loans, union-member loans, and agricultural loans. Business banking includes business accounts, Flik POS for merchants, Flik web payments, long-term and short-term business loans, revolving credits, overdrafts, debt factoring, and bank guarantees. DH Leasing d.o.o., a 100%-owned subsidiary, provides vehicle and equipment leasing. Insurance is offered through partnerships with Triglav, Generali, Sava, and Modra zavarovalnica, covering credit protection, card/personal item insurance, travel insurance, accident insurance, and supplementary pension insurance. Savings and investment products include term deposits, instalment savings, annuity savings, pension savings, mutual funds (via Triglav Investments), and supplementary pension insurance. Authentication across all digital channels is unified through Rekono, the bank's central identity platform supporting password, SMS OTP, and push authentication via Rekono OnePass.

Differentiator

Problem solved

Functional benefit

Brands

• DH Leasing: Leasing services subsidiary offering vehicle leasing, agricultural equipment leasing, and other equipment financing solutions.
• DH Denarnik
• DH Mobilni
• DH Osebni

Products and services

• Personal Current Account Packages (DH Enostavni, DH Napredni, DH Brezskrbni) Tiered personal current account packages offered to Slovenian individuals, each bundling a payment account, debit card, online and mobile banking access, and varying levels of included transactions, insurance, and savings benefits. DH Enostavni is the entry-level tier, DH Napredni adds a credit card, travel insurance, and accident insurance, and DH Brezskrbni is the premium tier with the broadest benefits. Customers holding higher tiers also receive preferential consumer loan interest rates.
• DH Osnovni plačilni račun (Basic Payment Account) Basic payment account offered to individuals, providing access to essential payment services with regulated pricing and consumer protections under Slovenian law, designed for consumers who need a foundational payment account.
• DH EYCA Mladostni paket (Youth Account) Free personal account package for young people aged 15-29, including a payment card, mobile and online banking access, and EYCA (European Youth Card) discounts and benefits across Slovenia and Europe.
• DH Medvedkov račun (Children's Account) Free children's savings and payment account offered to minors (under 15) with parental co-signing, designed to introduce children to banking and savings.
• Debit Card (Debetna kartica) Debit card linked to a personal current account, enabling card payments at point of sale, ATM cash withdrawals, and online purchases, issued to personal banking customers.
• Credit Card (Kreditna kartica) Credit card with revolving credit and installment repayment options, offered to personal banking customers for purchases, cash advances, and online payments, often bundled with the DH Napredni or DH Brezskrbni package accounts.
• Prepaid Card (Predplačniška kartica) Prepaid card loaded with a fixed amount of funds, offered to individuals who want a non-credit payment card for controlled spending, gifts, or travel without requiring a full credit check.
• Personal Loan (Osebni kredit) Unsecured personal consumer loan offered to individual borrowers for general purposes, available with no collateral up to €30,000 via fully digital application without branch visit, and up to €75,000 with branch-based application, with fixed or variable interest rates.
• Housing Loan (Stanovanjski kredit) Secured housing/mortgage loan for purchase, construction, renovation, or refinancing of residential property, with fixed or variable (EURIBOR-linked) interest rates, available up to €200,000 with fully digital application and up to €500,000 with branch-based application.
• Green Housing Loan (Zeleni stanovanjski kredit) Sustainable housing loan offered at a preferential interest rate for the purchase, construction, or renovation of energy-efficient residential property, supporting the bank's sustainable finance offering.
• Green Personal Loan (Zeleni kredit) Sustainable personal loan offered at a preferential interest rate for environmentally beneficial purposes such as energy-efficient home renovations, electric vehicle purchases, or installation of renewable energy equipment.
• Trade Union Member Loan (Kredit za člane sindikatov) Personal loan offered at preferential interest rates to Slovenian trade union members under framework agreements with the Zveza svobodnih sindikatov Slovenije (ZSSS), with sample rate of 6.20% fixed for 1-5 years on a representative €10,000 loan and 6.90% for 6-10 year terms.
• Farmer Loan (Kredit za kmetovalce) Personal/agricultural loan offered at preferential interest rates to Slovenian farmers and agricultural operators, with sample rate of 6.50% fixed for 1-5 years on a representative €10,000 loan and 6.95% for 6-10 year terms, supporting agricultural investment and operations.
• Vehicle Leasing (Lizing za osebna vozila) Financial leasing of personal vehicles (cars, motorcycles) offered by DH Leasing d.o.o., the wholly-owned leasing subsidiary of Delavska hranilnica, with optional AMZS partnership benefits for union-affiliated customers.
• Agricultural and Forestry Equipment Leasing (Lizing za kmetijsko in gozdarsko opremo) Financial leasing of agricultural and forestry equipment (tractors, harvesting equipment, forestry machinery) offered by DH Leasing d.o.o., the wholly-owned leasing subsidiary of Delavska hranilnica, to Slovenian farmers and forestry operators.
• Business Account (Poslovni račun) Business current account offered to SMEs, sole proprietors (s.p.), and legal entities, providing payment services, online and mobile banking (DH Poslovni), and dedicated relationship servicing via the bank's business centers in Ljubljana and Maribor.
• Flik POS (Merchant Payment Terminals) Card payment terminal (POS) solution offered to merchants for accepting card payments, with paperless digital receipts and card data tokenization for security, integrated with the Flik instant payment network.
• Flik Online Payments (Flik spletna plačila) Online payment gateway enabling merchants to accept Flik instant payments within e-commerce checkout flows, providing fast, account-to-account payment confirmation for Slovenian online shoppers.
• Long-term Business Loans (Dolgoročni krediti) Long-term business loans offered to Slovenian SMEs, sole proprietors, and legal entities for investment, expansion, working capital, equipment purchase, and other operational needs, with structured repayment terms suited to business cash flows.
• Bank Guarantees (Bančne garancije) Bank guarantee product offered to business customers to secure contractual performance obligations, advance payments, bid bonds, performance guarantees, and other commercial commitments to counterparties.
• Invoice Factoring (Odkup terjatev)

Quantifiable outcome

• Most trusted bank in Slovenia - 10 consecutive years (2016-2025)
• +3 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature5 records

Partnerships

16 partnerships are on record, tiered core and minor.

• Ministry of Economic Development and TechnologycoreOthers · 28 October 2019Licensing authority that granted DH Leasing operating license for financial leasing activities on October 28, 2019. The license enables the subsidiary to legally conduct financial leasing operations.
• Mariborska hranilnica in posojilnicaminorOthers · 1 January 2000Merged savings bank acquired in 2000, expanding DH's market presence and customer base in the Maribor region.
• Zveza delavskih sindikatov Slovenije (ZSSS)coreStrategic or Co-development Partner · 1 November 1990Founding member and primary shareholder pillar of Delavska hranilnica. 28 founding trade union members established the savings bank in November 1990. Unions remain the largest ownership pillar providing stability and continuity to the business model.
• Zveza društev upokojencev SlovenijecoreStrategic or Co-development Partner · 1 November 1990Founding member alongside ZSSS and Zveza delovnih invalidov Slovenije. Co-founded Delavska hranilnica in November 1990 as part of the original 28 founding members.
• Zveza delovnih invalidov SlovenijecoreStrategic or Co-development Partner · 1 November 1990Founding member alongside ZSSS and Zveza društev upokojencev Slovenije. Co-founded Delavska hranilnica in November 1990 as part of the original 28 founding members.
• Zavarovalnica TriglavcoreChannel Partner/ Reseller/ DistributorInsurance distribution partnership for credit life insurance, BNI insurance (covering unemployment, illness, disability, death), Življenjski krog 2 (life insurance including coverage for modern psychological illnesses), and general insurance products. The bank acts as insurance agent/marketer.
• GeneralicoreChannel Partner/ Reseller/ DistributorInsurance distribution partnership for Moj življenjski kasko (combination of decreasing and constant insurance sums with attractive additional coverages). The bank acts as insurance agent/marketer.
• Zavarovalnica SavacoreChannel Partner/ Reseller/ DistributorInsurance distribution partnership for card and personal items insurance (covering fraud, robbery, key/document replacement, handbag theft, mobile phone theft), group life insurance for borrowers with favorable premiums for those over 50, and risk life insurance with extended entry age up to 75.
• Modra zavarovalnicacoreChannel Partner/ Reseller/ DistributorDistribution partnership for supplementary pension insurance, the only savings form eligible for special tax relief reducing income tax. The bank markets these products as authorized agent.
• Triglav Investments (Triglav Skladi)coreChannel Partner/ Reseller/ DistributorDistribution partnership for Triglav mutual funds (Triglav vzajemni skladi), enabling customers to invest in diversified fund products. The bank performs fund unit marketing services as authorized distributor.
• AMZS (Automobile Association of Slovenia)minorGTM or Marketing PartnerMarketing partnership offering AMZS members 50% discount on leasing approval fees for personal vehicle leasing (basic, plus, or premium AMZS members). Applications submitted through DH Leasing.
• RekonocoreTechnology or IntegrationDigital identity and authentication service enabling password-free login to DH online and mobile banking. Rekono account enables push notification authorization for transaction approvals and 3-D Secure authentication for online card purchases.
• MastercardcoreTechnology or IntegrationCard network partnership for debit cards (BA Maestro, Mastercard), credit cards (Classic and Gold Mastercard World), and prepaid cards. Enables acceptance at all Mastercard POS terminals and ATMs worldwide.
• FlikcoreTechnology or IntegrationInstant payment service integrated into DH Denarnik enabling real-time money transfers using phone numbers as identifiers. All Slovenian banks participate in the Flik instant payment network.
• Bank of SloveniacoreOthersPrimary banking regulator that granted Delavska hranilnica banking license, included the bank in the deposit guarantee scheme, and provides ongoing supervisory oversight.
• Združenje bank SlovenijeminorOthersSlovenian Banking Association membership providing industry representation, best practice standards, and collective advocacy for Slovenian banks and savings institutions.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• SKB Banka: Slovenian retail and corporate bank owned by Société Générale; competes head-to-head with DH on retail packages, mortgages, and digital banking in the same Slovenian geography.
• Nova Ljubljanska Banka (NLB): Largest Slovenian retail and corporate bank; directly comparable to DH as a full-service Slovenian bank offering accounts, mortgages, payments, and SME lending across an overlapping national footprint.
• Nova KBM (NKBM): Second-largest Slovenian bank with nationwide branches, similar retail/SME focus, comparable product set (accounts, housing loans, cards), and overlapping target segments including farmers and youth.
• Addiko Bank Slovenija: Slovenian subsidiary focused on consumer and SME lending; closely comparable to DH's personal loan, housing loan, and SMB banking products.
• Hranilnica LON: Slovenian savings bank with a similar heritage-style positioning and similar retail deposit/lending focus; among the closest direct comparables given the 'hranilnica' (savings bank) business model.
• Banka Intesa Sanpaolo (Slovenija): Slovenian subsidiary of Intesa Sanpaolo offering retail and corporate banking; competes with DH in accounts, payments, and SME services inside Slovenia.

Regional players

• Gorenjska Banka: Smaller Slovenian regional bank with a comparable retail/SME product mix and overlapping geography, particularly strong in the Gorenjska region but operating nationwide.

Broad incumbents

• Erste Group Banka Slovenija: Slovenian arm of Erste Group, a major regional incumbent; comparable as a broad-line retail and SME bank with overlapping products but materially larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/DelavskaHranilnica
• Instagraminstagram.com/delavska_hranilnica
• LinkedInlinkedin.com/company/delavska-hranilnica-d-d-

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Delavska hranilnica