Bonds

Invest your savings in our bonds

Bonds are among traditional investment instruments and are considered a relatively safe investment. We offer you above-standard potential with attractive annual returns.

You can invest in corporate bonds with a medium-term horizon of 3 to 10 years or in covered and government bonds with a long-term horizon of more than 10 years.

Information from the Covered bond programme as of 31 March 2025	PDF (143 KB)
Information from the Covered bond programme as of 31 December 2024	PDF (153 KB)

Interim separate financial statements of Slovenská sporiteľňa as of 30 September 2024	PDF (1 MB)
Interim consolidated financial statements of Slovenská sporiteľňa as of 30 June 2024	PDF (1 MB)
Interim separate financial statements of Slovenská sporiteľňa as of 31 March 2024	PDF (1 MB)

Annual report 2023	PDF (8 MB)
Annual report 2022	PDF (5 MB)

Financial indicators and Archive

Supplement No. 3 of 8 January 2025	PDF (187 KB)
Supplement No. 2 of 6 December 2024	PDF (256 KB)
Supplement No. 1 of 6 August 2024	PDF (241 KB)
Base Prospectus of 12 June 2024	PDF (979 KB)

Supplement No. 4 of 4 March 2024	PDF (148 KB)
Supplement No. 3 of 18 January 2024	PDF (234 KB)
Supplement No. 2 of 2 August 2023	PDF (142 KB)
Supplement No. 1 of 12 July 2023	PDF (147 KB)
Base Prospectus of 7 June 2023	PDF (1002 KB)

Supplement No. 4 of of 12 January 2023	PDF (183 KB)
Supplement No. 3 of 16 November 2022	PDF (276 KB)
Supplement No. 2 of 7 November 2022	PDF (234 KB)
Supplement No. 1 of 25 August 2022	PDF (203 KB)
Base Prospectus of 28 March 2022	PDF (858 KB)

Base Prospectus of 12 March 2021	PDF (828 KB)
Supplement No. 1 of 19 April 2021	PDF (152 KB)
Supplement No. 2 of 6 May 2021	PDF (163 KB)
Supplement No. 3 of 2 March 2022	PDF (350 KB)

Base Prospectus of 20 November 2019	PDF (878 KB)
Supplement No. 1 of 3 March 2020	PDF (413 KB)
Supplement No. 2 of 4 May 2020	PDF (498 KB)
Supplement No. 3 of 3 September 2020	PDF (236 KB)
Supplement No. 4 of 9 November 2020	PDF (218 KB)

Base Prospectus of 25 July 2018	PDF (2 MB)
Supplement No. 1 of 11 September 2018	PDF (133 KB)
Supplement No. 2 of 23 April 2019	PDF (253 KB)

ISIN	Interest	Issue Date	Maturity Date
SK4000026787	2.75%	30.1.2025	30.1.2029
SK4000023636	3.875%	30.8.2023	30.9.2027
SK4000022398	3.25%	30.1.2023	12.1.2026
SK4000021820	3.50%	5.10.2022	5.4.2028
SK4000021119	2.00%	8.6.2022	8.6.2028
SK4000020673	1.25%	12.4.2022	12.4.2027
SK4000017190	0.125%	15.5.2020	15.11.2027
SK4000015400	0.125%	12.6.2019	12.6.2026
SK4120014507	0.625%	22.8.2018	22.8.2025
SK4120012683	0.75%	6.3.2017	6.3.2025
SK4120011586	1.00%	23.3.2016	23.3.2026
SK4120010950	1.375%	4.8.2015	4.8.2025
SK4120009804	2.80%	21.2.2014	21.2.2029
SK4120009218	3.00%	5.6.2013	5.6.2028
SK4120005505	4.95%	27.7.2007	27.7.2027

Moody's Investors Service
Long-term Local and Foreign Currency Deposit Ratings	A2 stable outlook
Short-term Local and Foreign Currency Deposit Ratings	P-1
Long-term Issuer Ratings	A2 stable outlook
Senior Unsecured Regular Bond/Debenture Ratings	A2 stable outlook
Counterparty Risk Rating	A1/P-1
Counterparty Risk Assessments (Long-term/Short-term)	A2/P-1
Baseline Credit Assessment	baa2
Adjusted Baseline Credit Assessment	baa1
Covered Bonds Rating	Aaa

Moody's

31. 12. 2024 – Moody's Performance Overview	PDF (571 KB)
30. 9. 2024 – Moody's Performance Overview	PDF (562 KB)
30. 6. 2024 – Moody's Performance Overview	PDF (566 KB)
31. 3. 2024 – Moody's Performance Overview	PDF (569 KB)

31. 12. 2023 – Moody's Performance Overview	PDF (569 KB)
30. 9. 2023 – Moody's Performance Overview	PDF (560 KB)
30. 6. 2023 – Moody's Performance Overview	PDF (618 KB)
31. 3. 2023 – Moody's Performance Overview	PDF (569 KB)
31. 12. 2022 – Moody's Performance Overview	PDF (564 KB)
30. 9. 2022 – Moody's Performance Overview	PDF (561 KB)
30. 6. 2022 – Moody's Performance Overview	PDF (528 KB)
31. 3. 2022 – Moody's Performance Overview	PDF (556 KB)
31. 12. 2021 – Moody's Performance Overview	PDF (526 KB)
9. 2. 2022 – Moody's Sector Profile	PDF (1 MB)
30. 9. 2021 – Moody's Performance Overview	PDF (1 MB)
30. 6. 2021 – Moody's Performance Overview	PDF (864 KB)
31. 3. 2021 – Moody's Performance Overview	PDF (530 KB)
31. 12. 2020 – Moody's Performance Overview	PDF (876 KB)
30. 9. 2020 – Moody's Performance Overview	PDF (897 KB)
30. 6. 2020 – Moody's Performance Overview	PDF (549 KB)
31. 3. 2020 – Moody's Performance Overview	PDF (895 KB)
31. 12. 2019 – Moody's Performance Overview	PDF (883 KB)
30. 9. 2019 – Moody's Performance Overview	PDF (885 KB)
30. 6. 2019 – Moody's Performance Overview	PDF (572 KB)
31. 3. 2019 – Moody's Performance Overview	PDF (1 MB)
31. 12. 2018 – Moody's Performance Overview	PDF (1 MB)
30. 9. 2018 – Moody's Performance Overview	PDF (695 KB)
New Issue Report	PDF (1 MB)

Cover Pool Overview as of 31.12.2024	PDF (235 KB)
Cover Pool Overview as of 30.9.2024	PDF (214 KB)
Cover Pool Overview as of 30.6.2024	PDF (215 KB)
Cover Pool Overview as of 31.3.2024	PDF (206 KB)
Cover Pool Overview as of 31.12.2023	PDF (197 KB)
Cover Pool Overview as of 30.9.2023	PDF (195 KB)
Cover Pool Overview as of 30.6.2023	PDF (200 KB)
Cover Pool Overview as of 31.3.2023	PDF (112 KB)
Cover Pool Overview as of 31.12.2022	PDF (184 KB)
Cover Pool Overview as of 30.9.2022	PDF (260 KB)
Cover Pool Overview as of 30.6.2022	PDF (250 KB)
Cover Pool Overview as of 31.3.2022	PDF (250 KB)
Cover Pool Overview as of 31.12.2021	PDF (302 KB)
Cover Pool Overview as of 30.9.2021	PDF (301 KB)
Cover Pool Overview as of 30.6.2021	PDF (301 KB)
Cover Pool Overview as of 31.3.2021	PDF (325 KB)
Cover Pool Overview as of 31.12.2020	PDF (329 KB)
Cover Pool Overview as of 30.9.2020	PDF (310 KB)
Cover Pool Overview as of 30.6.2020	PDF (305 KB)
Cover Pool Overview as of 31.3.2020	PDF (553 KB)
Cover Pool Overview as of 31.12.2019	PDF (553 KB)
Cover Pool Overview as of 30.9.2019	PDF (555 KB)
Cover Pool Overview as of 30.6.2019	PDF (542 KB)
Cover Pool Overview as of 31.3.2019	PDF (533 KB)
Cover Pool Overview as of 31.12.2018	PDF (592 KB)

Cover Pool Monitor Report 2024	PDF (312 KB)
Cover Pool Monitor Report 2023	PDF (280 KB)
Cover Pool Monitor Report 2022	PDF (256 KB)
Notice for Covered Bondholders	PDF (124 KB)
Cover Pool Monitor Report 2021	PDF (381 KB)
Cover Pool Monitor Report 2020	PDF (433 KB)
Cover Pool Monitor Report 2019	PDF (905 KB)
Cover Pool Monitor Report 2018	PDF (384 KB)
Notice for Mortgage Bondholders	PDF (213 KB)
Articles of Association of Slovenská sporiteľňa, a.s.	PDF (264 KB)

Investor Presentation

PDF (1 MB)

Declaration of the Beneficial Owner for Tax Purposes – AT0000A377W8	PDF (228 KB)
Declaration of the Beneficial Owner for Tax Purposes – General	PDF (173 KB)
Withholding tax – Information to Investors – AT0000A377W8	PDF (100 KB)

Securities Note of 29 November 2024	PDF (3 MB)
Registration Document of 29 November 2024	PDF (1 MB)

Annual Report 2023 – Audited Consolidated Financial Statements as at 31 December 2023 (Slovak)	PDF (8 MB)
Annual Report 2023 – Annual Audited Consolidated Financial Statements as at 31 December 2023 (English)	PDF (8 MB)
Annual Report 2022 – Annual Audited Consolidated Financial Statements as at 31 December 2022 (Slovak)	PDF (6 MB)
Annual Report 2022 – Audited Consolidated Financial Statements as at 31 December 2022 (English)	PDF (5 MB)
Unaudited Interim Consolidated Financial Statements as at 30 June 2024 (Slovak)	PDF (1 MB)
Unaudited Interim Consolidated Financial Statements as at 30 June 2024 (English)	PDF (1 MB)
Unaudited Interim Separate Financial Statements as of 30 September 2024 (Slovak)	PDF (826 KB)
Unaudited Interim Separate Financial Statements as of 30 September 2024 (English)	PDF (1 MB)

Erste Group Sustainable Bond Allocation and Impact Report 2023	PDF (9 MB)
Erste Group Sustainable Bond Allocation and Impact Report 2022	PDF (3 MB)
Erste Group Sustainable Finance Framework	PDF (3 MB)
Second Party Opinion	PDF (1 MB)
Green Bond Report 2022	PDF (493 KB)
Green Bond Report 2021	PDF (480 KB)
Additional Information	PDF (637 KB)

Product-specific Business Conditions for Investment Services	PDF (161 KB)
Information on Basic Rules for Providing Investment Services in Compliance with the MiFID European Legislation	PDF (694 KB)

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Invest your savings in our bonds

Moody's

Moody's