Nova Ljubljanska Banka d.d. (LJSE: NLBR)

LJSE: NLBR Balance Sheet

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	1,115	1,200	962.52	899.99	985.76	692.99
Investment Securities	6,106	4,825	4,902	5,230	5,060	3,774
Trading Asset Securities	76.74	53.13	57.18	15.33	98.7	33.82
Total Investments	6,183	4,878	4,959	5,245	5,159	3,808
Gross Loans	16,088	14,217	13,477	11,077	10,093	7,958
Allowance for Loan Losses	-331.94	-328.93	-324.27	-316.17	-372.42	-322.54
Other Adjustments to Gross Loans	-	-57.81	-23.82	-10.16	-4.13	-4.02
Net Loans	15,756	13,831	13,129	10,750	9,716	7,631
Property, Plant & Equipment	300.03	278.03	251.32	247.01	249.12	195.61
Goodwill	7.31	3.53	3.53	3.53	3.53	3.53
Other Intangible Assets	79.6	58.59	54.71	55.55	58.14	36.01
Investments in Real Estate	24.6	31.12	35.64	47.62	54.84	52.32
Accrued Interest Receivable	15.49	7.17	3.39	1.72	1.33	0.52
Other Receivables	87.43	53.44	79.72	56.13	53.29	49.34
Restricted Cash	3,482	5,435	4,537	4,133	3,150	1,570
Other Current Assets	35.48	14.63	25.25	12.48	18.12	47.69
Long-Term Deferred Tax Assets	113.69	111.31	55.53	38.98	31.79	29.5
Other Real Estate Owned & Foreclosed	25.95	27.64	51.59	75.45	76.02	51.32
Total Assets	27,243	25,942	24,160	21,577	19,566	14,174
Accounts Payable	12.6	22.87	19.61	17.51	20.99	21.6
Accrued Expenses	167.19	80.06	69.11	61.86	55.09	41.02
Interest Bearing Deposits	3,852	3,298	2,661	2,337	2,784	2,160
Non-Interest Bearing Deposits	17,662	17,530	17,473	15,376	13,686	9,495
Total Deposits	21,513	20,828	20,134	17,713	16,470	11,655
Short-Term Borrowings	12.15	16.76	23.71	42.96	76.65	67.41
Current Portion of Long-Term Debt	-	-	-	767.04	37.12	76.93
Current Portion of Leases	-	3.02	6.78	5.58	7	3.68
Current Income Taxes Payable	23.53	35.88	12.42	5.88	1	2.27
Other Current Liabilities	136.83	211.31	144.18	85.26	69.28	48.22
Long-Term Debt	1,828	1,578	1,097	454.06	500.99	376.48
Long-Term Leases	36.36	25.93	17.06	18.74	19.36	13.03
Long-Term Unearned Revenue	11.72	11.38	11.18	11.37	12.36	9.01
Pension & Post-Retirement Benefits	19.72	17.89	18.03	21.45	20.71	17.7
Long-Term Deferred Tax Liabilities	13.83	1.43	2.57	3.05	4.48	2.83
Other Long-Term Liabilities	157	161.11	182.06	153.98	148	107.84
Total Liabilities	23,933	22,994	21,738	19,361	17,443	12,443
Common Stock	200	200	200	200	200	200
Additional Paid-In Capital	871.38	871.38	871.38	871.38	871.38	871.38
Retained Earnings	2,115	1,803	1,371	1,018	860.28	588.01
Comprehensive Income & Other	55.68	8.06	-76.4	-10.55	21.13	26.49
Total Common Equity	3,242	2,883	2,366	2,079	1,953	1,686
Minority Interest	68.65	65.14	56.74	137.39	170.25	45.02
Shareholders' Equity	3,311	2,948	2,422	2,216	2,123	1,731
Total Liabilities & Equity	27,243	25,942	24,160	21,577	19,566	14,174
Total Debt	1,877	1,624	1,145	1,288	641.11	537.53
Net Cash (Debt)	-685.08	-370.56	-124.93	-373.07	443.35	189.27
Net Cash Growth	-	-	-	-	134.24%	-44.09%
Net Cash Per Share	-34.25	-18.53	-6.25	-18.65	22.17	9.46
Filing Date Shares Outstanding	20	20	20	20	20	20
Total Common Shares Outstanding	20	20	20	20	20	20
Book Value Per Share	162.10	144.14	118.28	103.94	97.64	84.29
Tangible Book Value	3,155	2,821	2,307	2,020	1,891	1,646
Tangible Book Value Per Share	157.76	141.04	115.37	100.98	94.56	82.32

Source: S&P Capital IQ. Banks template. Financial Sources.