Data in SISBIZ

In accordance with the ZCKR, members of the SISBIZ system submit data regarding legal entities to the system. Members are responsible for ensuring that data are accurate and up-to-date, and for making revisions to erroneous data in accordance with the ZCKR and implementing regulations governing the protection of confidential data.

The following data and information relating to actual and potential indebtedness, and to the proper fulfilment of the contractual obligations of legal entities are collected and processed in the SISBIZ system:

a) data regarding the borrower (legal entity)

1. the business name and registered office of the legal entity, or the name or business name and business address of the sole trader or person pursuing registered business activities;
2. the tax number when the legal entity is entered in the tax register in accordance with the law governing financial administration;
3. the registration number if the legal entity is entered in the Business Register of Slovenia in accordance with the law governing the business register, or the unique identification code of a non-resident legal entity from the register of non-resident legal entities;
4. information about bankruptcy, compulsory composition or other insolvency proceedings being conducted against the legal entity in accordance with the law governing financial operations, insolvency proceedings and compulsory dissolution proceedings; and
5. other information about the legal entity administered in the Business Register of Slovenia, the register of non-resident legal entities or other official records and registers in Slovenia.

b) data in connection with the indebtedness of legal entities deriving from credit operations with legal entities, including:

1. type of operation;
2. the date of conclusion of the operation or issue of the financial instrument, and the maturity date;
3. the amount of outstanding liabilities from the credit operation, or other exposures;
4. the collateral provided for the liabilities from the credit operation;
5. the amount of the undrawn portion of the approved credit; and
6. arrears in the settlement of the borrower’s liabilities.

c) other data and information regarding the credit operations of legal entities for the purpose of credit risk management and the fulfilment of prudential requirements for banks in accordance with Regulation (EU) No 575/2013, including:

1. exposures to legal entities by type of financial instrument, including other exposure;
2. forborne exposures;
3. the performance or non-performance of the exposure; and
4. the classification of the exposure in accordance with the regulations on the assessment of credit risk losses.

Data regarding an individual credit operation or other exposure are stored in the SISBIZ system and are accessible for exchange purposes for four years following the cessation of liabilities deriving from a credit operation, or other exposure.

Following the expiration of such deadlines, data regarding operations are automatically deleted from the SISBIZ system.

Explanations of the SISBIZ statement

Explanations of the statement of data from the SISBIZ system (for legal entities) are available at this link.