Introduction of bank debit interest

In this article, I intend to present the causes and impact of the introduction of the bank negative interest rates the commercial banks (hereinafter the banks) announced for households in 2021.

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Director SFM

Andrej Laznik

With flexible financial solutions according to the highest business and moral standards, as well as an agile and dynamic customer-centric approach, we want to raise the bar when setting new standards. We believe and constantly prove that our approach is superb and we are best-equipped for the challenges of the future.

Real Estate Expert

Gregor Grbec

Gregor is an expert with more than 25 years of experience in banking, business, financial consulting and real estate projects.  He has successfully organised and led real estate projects in all development phases for international corporations and major Slovenian companies  – from site acquisition and spatial planning to administrative procedures and construction, all the way up to initial tenant use.

Real Estate Expert

Janko Popovič

Janko boasts over 20 years of experience in entrepreneurship and business management, especially in real estate. Acquisitions, mergers, restructuring, transformations and selling companies are only a few of the challenges in his business path.


Klemen Mlakar

In his varied career Klemen has led and successfully managed assets of big investors. He is an expert in setting strategies, designing risk processes, and leading companies to financial stability. Klemen has seen numerous complex restructurings to successful ends, and led some of the most important merger projects in the region.


Boštjan Klinec

Boštjan is an expert with more than 20 years of international experience in insurance, banking, asset management, and leading investment funds. He has successfully led multiple projects focused on opening new markets, leading new companies abroad, and, once there, expanding them into local success stories.

Product Manager
Superos Credit

Andraž Zupančič

Expert in digital technologies. Over the last 10 years, he has developed and managed various digital startup projects that have grown into successful international online platforms. Through his work on these projects, he has accumulated a wide range of knowledge in the field of digital marketing, media, advertising and web technologies.

Director Superos Fund Management

Andrej Laznik

In his diverse and extensive career, Andrej has more than 30 years of experience in leading large companies, establishing optimal organisationsand processes after company mergers, directing optimisation processes and streamlining expenses, all with the goal of cementing financial and business success.

Head of Back Office

Tanja Močnik

Tanja has over 20 years of experience at ALTA Invest and Poteza d.o.o.. Her expertise ranges from managing all the company‘s internal processes to leading its sales network. She has successfully run and integrated an enviable number of developmental projects.

Sales Director

Mateja Zavadlal

Throughout her more than 20-year career, Mateja has acquired extensive experience in both the public and private sectors in Slovenia and abroad. She built her career in management by leading mergers, directing financial and organisational restructurings, and leading companies in a variety of fields. Mateja is focused on establishing a company’s culture, streamlining business processes and building strong, successful teams.

Director Superos Advisory

Gašpar Ogris - Martis

During his 30-year business career, he has worked mainly in banking in senior positions. He has extensive managerial experience organizational management in all types of corporate financing, projects, acquisitions, etc. He has also accumulated a vast knowledge in solving financial problems of companies, especially in the field of small and medium-sized enterprises.


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