Nova Ljubljanska Banka d.d. (LJSE:NLBR)
Slovenia · Delayed Price · Currency is EUR | Market Cap | 4.46B +64.6% |
| Revenue (ttm) | 1.30B +2.6% |
| Net Income | 503.06M -2.2% |
| EPS | 25.15 -2.1% |
| Shares Out | 20.00M |
| PE Ratio | 8.87 |
| Forward PE | 8.74 |
| Dividend | 12.86 (5.64%) |
| Ex-Dividend Date | Dec 19, 2025 |
| Volume | 5,784 |
| Average Volume | 5,087 |
| Open | 230.00 |
| Previous Close | 228.00 |
| Day's Range | 223.00 - 230.00 |
| 52-Week Range | 131.00 - 236.00 |
| Beta | 0.58 |
| RSI | 51.27 |
| Earnings Date | Apr 9, 2026 |
About LJSE:NLBR
Nova Ljubljanska Banka d.d., together with its subsidiaries, provides various banking services for retail and corporate clients in Slovenia, South East Europe, and Western Europe. It operates through Retail Banking in Slovenia, Corporate and Investment Banking in Slovenia, Strategic Foreign Markets, Financial Markets in Slovenia, Non-Core Members, and Other segments. The company offers saving, deposit, and business accounts; and personal, home, and green housing loans. It also provides credit, debit, and deferred payment cards; savings and inve... [Read more]
Financial Performance
In 2025, LJSE:NLBR's revenue was 1.30 billion, an increase of 2.59% compared to the previous year's 1.27 billion. Earnings were 503.06 million, a decrease of -2.23%.
Financial StatementsNews
Nova Ljubljanska Banka d.d. Earnings Call Transcript: Q4 2025
Strong loan and deposit growth drove robust revenue and margin stabilization, with cost of risk below guidance despite isolated sectoral NPL increases. Capital and dividend positions remain strong, supporting continued growth and digital transformation.
Nova Ljubljanska Banka d.d. Earnings Call Transcript: Q3 2025
Q3 saw robust growth in loans and deposits, strong digital adoption, and stable margins despite rate cuts. Asset quality remains solid, with cost of risk at the low end of guidance. Outlook is positive, with double-digit loan growth and continued investment in digitization.
Nova Ljubljanska Banka d.d. Earnings Call Transcript: Q2 2025
Strong loan and asset growth, stable revenues, and robust profitability were achieved despite rate declines. Digital transformation and integration of acquisitions are driving efficiency, while guidance was upgraded for loan growth and revenue. Portfolio quality remains high, with risks mainly sector-specific.
Nova Ljubljanska Banka d.d. Earnings Call Transcript: Q1 2025
Strong Q1 2025 growth driven by organic expansion and M&A, with robust loan and fee income across all segments. Asset quality remains high, cost/income ratio improved, and digital transformation is accelerating. Dividend payout and capital position support continued growth.
Nova Ljubljanska Banka d.d. Earnings Call Transcript: Q4 2024
Pre-provision profit rose nearly 10% year-over-year, with strong loan and fee income growth, stable margins, and a cost-to-income ratio of 45.7%. Dividend payout is set at 50%, yielding 9%, while digital transformation and robust capital position support future growth.
Nova Ljubljanska Banka d.d. Earnings Call Transcript: Q3 2024
Strong growth in loans and income was achieved across all segments, supported by the Summit Leasing acquisition and digitalization investments. Cost pressures from wage inflation and regulatory changes are being managed, with guidance for stable asset quality and a 15% ROE in 2025.
Nova Ljubljanska Banka d.d. Earnings Call Transcript: H1 2024
Strong Q2 and H1 2024 results featured robust loan growth, high ROE, and stable asset quality. Strategic M&A moves, including Summit Leasing and Addiko, support ambitions to double business size by 2030, with improved guidance for loan growth, cost of risk, and ROE.
Nova Ljubljanska Banka d.d. Transcript: M&A Announcement
A cash offer for 100% of Addiko shares aims to accelerate regional growth, especially with entry into Croatia, and leverages Addiko’s digital expertise. The deal is fully funded, subject to regulatory approvals, and promises significant synergies and value for shareholders.