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    Banks - Regional
Nova Ljubljanska Banka d.d.

Nova Ljubljanska Banka d.d.

NLB.IL
Nova Ljubljanska Banka d.d.GB flagInternational Order Book
45.75
EUR
-0.50
- -
4.58BMarket Cap
Nova Ljubljanska Banka d.d.
NLB.IL
(International Order Book)

Recent

price

45.75

P/E

ratio

- -

div

yld

- -

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
25.18
24.98
25.55
5.05
5,376.1
5.08
7.01
8.31
11.53
12.93
13.57
13.61
Revenue per Share
4.6
5.5
11.25
2.04
1,940.01
2.7
2.36
4.47
5.51
5.15
5.03
4.97
Basic EPS, GAAP
-7.84
12.18
3.47
6.46
7,020.58
11.72
14.27
-1.5
13.38
-8.68
3.61
9.62
Free Cash Flow per Basic Share
0.05
2.33
3.38
2.74
1,475.67
- -
1.01
1.05
1.15
2.29
2.66
2.62
Dividend per Share
25.72
29.02
37.1
7.23
7,761.89
10.47
12.04
15.57
19.9
21.04
23.38
24.51
Book Value per Share
70.55
74.58
82.66
16.22
16,950.67
20.61
21.57
23.64
28.86
31.98
37.44
38.5
Tangible Book Value per Share
20
20
20
100
- -
100
100
100
100
100
100
100
Basic Weighted Avg Shares
504
500
511
505
536
508
701
831
1,153
1,293
1,357
1,361
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
32
28
28
27
31
32
47
47
49
58
68
68
Depreciation Expense
92
110
225
204
194
270
236
447
551
515
503
497
Net Income, GAAP
10.66
11.47
1.68
9.33
6.3
1.86
5.18
5.22
2.61
12.81
12.58
12.97
Effective Tax Rate (%)
18.25
22.02
44.05
40.33
36.09
53.06
33.71
53.75
47.77
39.81
37.07
36.49
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,004
760
381
340
470
564
1,245
1,121
1,607
1,870
2,419
2,611
LT Debt
1,450
1,526
1,688
1,657
1,731
2,123
2,216
2,422
2,948
3,298
3,860
3,965
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
20.1
34.04
27.79
25.84
29.62
21
32.36
31.05
25.14
22.65
21.23
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
20
20
20
Market Capitalization
3,471
3,611
4,239

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,922
4,419
4,341
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.54%
12.86%
17.05%
Free Cash Flow
-80.83%
-277.62%
-141.65%
Net Income, GAAP
24.03%
18.22%
-2.23%
Sales/Revenue/Turnover
11.36%
22.46%
4.99%
Total Cash Common Dividend
- -
19.52%
16.25%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
317
315
327
334
1,293
2025
332
336
336
353
1,357
2026
336
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.4
1.52
1.36
- -
5.15
2025
1.26
1.49
1.32
- -
5.03
2026
1.19
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.04
1.15
- -
- -
2.29
2025
0.04
1.33
- -
- -
2.66
2026
- -
- -
- -
- -
- -
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Business
Nova Ljubljanska Banka d.d. delivers a comprehensive suite of banking and financial solutions to individual and business customers across Slovenia, Southeast Europe, and wider European markets. As the largest banking and financial group headquartered in Slovenia and with a strategic focus on the Southeast European region, it extends its reach through a substantial network of branches and subsidiaries. The institution's operations are structured across key divisions, encompassing retail and corporate banking within Slovenia, strategic international markets, financial market activities, and other group functions. The bank provides a diverse array of offerings, including various deposit products such as savings and current accounts, alongside an extensive range of credit facilities like personal, residential, and sustainable green loans, as well as tailored financing for businesses. Furthermore, its portfolio features an assortment of payment cards, comprehensive investment services that cover securities trading, treasury instruments, and investment funds, in addition to a wide spectrum of insurance products. Complementary financial services include leasing, asset management, and payment processing. NLB Group has a strong emphasis on digital transformation, with ongoing initiatives to enhance operational efficiency and client experience, targeting significant digital penetration by 2030. Demonstrating robust financial health, the Group reported a profit after tax of €274.4 million for the first half of 2025 and an 11% year-over-year increase in total assets to €29.57 billion. Recent strategic moves include the successful issuance of Additional Tier 1 Notes in November 2025 and the merger of NLB Lease&Go and Summit Leasing Slovenia in July 2025, following its acquisition in 2024. Established in 1889, the bank maintains its central operations in Ljubljana, Slovenia.