NOVA LJUBLJANSKA BANKA d.d., Ljubljana financials
NOVA LJUBLJANSKA BANKA d.d., Ljubljana
Country: GB Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
5493001BABFV7P27OW30 Financial statements
(EUR, as reported — unscaled; 124 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Administrative expenses | €589.6M | €544.0M |
| Depreciation & amortisation | €68.4M | €58.2M |
| Profit before tax | €593.4M | €608.1M |
| Income tax expense | €74.7M | €77.9M |
| Profit for the year | €518.7M | €530.2M |
| — attributable to owners | €503.1M | €514.6M |
| — attributable to NCI | €15.6M | €15.7M |
| Total comprehensive income | €538.1M | €586.9M |
| Per share | ||
| Basic EPS | €25.20 | €25.70 |
| Diluted EPS | €25.20 | €25.70 |
| Free cash flow / share | €19.26 | €-40.65 |
| Cash flow statement | ||
| Net cash from operating activities | €448.2M | -€795.1M |
| Net cash from investing activities | -€624.6M | -€1.34B |
| Purchase of PP&E (capex) | €51.8M | €43.5M |
| Purchase of intangibles | €35.0M | €29.1M |
| Net cash from financing activities | €509.6M | -€11.9M |
| Dividends paid | €265.8M | €228.7M |
| Lease liability payments | €9.1M | €8.5M |
| Balance sheet | ||
| Total assets | €31.47B | €28.04B |
| Property, plant & equipment | €331.3M | €310.0M |
| Intangible assets & goodwill | €115.9M | €100.5M |
| Cash & equivalents | €4.82B | €4.50B |
| Total equity | €3.86B | €3.30B |
| — attributable to owners | €3.78B | €3.23B |
| Non-controlling interests | €78.8M | €72.1M |
| Deferred tax liabilities | €425.0K | €17.7M |
| Derived metrics | ||
| Free cash flow | €396.4M | -€838.6M |
| Return on equity | 13.4% | 16.1% |
| Cash conversion ratio | 0.86× | -1.50× |
| Capex coverage | 8.65× | -18.30× |
| Other reported items | ||
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Assets | -€13.8M | -€6.4M |
| Accumulated Other Comprehensive Income | -€314.0K | -€19.6M |
| Adjustments For Decrease Increase In Financial Assets Measured At Fair Value Through Other Comprehensive Income | -€180.2M | -€240.6M |
| Adjustments For Decrease Increase In Other Assets | -€46.3M | -€13.4M |
| Adjustments For Increase Decrease In Financial Liabilities Measured At Fair Value Through Profit Or Loss | -€2.9M | €0 |
| Adjustments For Increase Decrease In Other Liabilities | €20.6M | €1.4M |
| Cash | €4.37B | €4.04B |
| Cash Flows From Used In Operations Before Changes In Working Capital | €602.1M | €649.1M |
| Comprehensive Income Attributable To Noncontrolling Interests | €15.7M | €15.9M |
| Comprehensive Income Attributable To Owners of Parent | €522.4M | €571.1M |
| Current Tax Assets | €27.0K | €604.0K |
| Current Tax Liabilities | €21.0M | €18.0M |
| Debt Instruments Held At Amortised Cost | €4.32B | €3.73B |
| Debt Securities | €2.10B | €1.61B |
| Deferred Tax Assets | €108.3M | €120.7M |
| Deposits From Banks At Amortised Cost | €98.8M | €136.0M |
| Derivative Financial Assets Held For Hedging | €85.1M | €77.8M |
| Derivative Financial Liabilities Held For Trading | €2.9M | €3.6M |
| Dividends Received Classified As Operating Activities | €2.2M | €963.0K |
| Dividends Recognised As Distributions To Owners Per Share | €12.86 | €11.00 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -€7.9M | €6.8M |
| Equity and Liabilities | €31.47B | €28.04B |
| Fee and Commission Expense | €126.8M | €122.4M |
| Fee and Commission Income | €469.5M | €435.3M |
| Fee and Commission Income Expense | €342.6M | €312.9M |
| Finance Costs Paid Classified As Operating Activities | €124.9M | €123.4M |
| Finance Income Received Classified As Operating Activities | €469.7M | €434.3M |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €4.6M | €18.3M |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €21.7M | €17.4M |
| Financial Assets Measured At Fair Value Through Other Comprehensive Income | €2.74B | €2.56B |
| Financial Liabilities At Fair Value Through Profit Or Loss | €13.6M | €9.6M |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €4.6M | €7.0M |
| Gains Losses On Disposals of Investments | €719.0K | €0 |
| Gains Losses On Exchange Differences On Translation Before Tax | -€3.2M | €3.2M |
| Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss | €11.3M | -€3.6M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €28.8M | €55.8M |
| Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss | -€4.6M | -€2.9M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €5.4M | €10.6M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €309.0K | €1.4M |
| Income Taxes Paid Refund Classified As Operating Activities | €69.7M | €88.1M |
| Increase Decrease In Cash and Cash Equivalents | €333.2M | -€2.15B |
| Increase Decrease Through Transfer Between Revaluation Reserve and Retained Earnings | — | €0 |
| Increase Decrease Through Transfer To Statutory Reserve | — | €0 |
| Increase Decrease Through Transfers and Other Changes Equity | -€9.9M | -€8.0M |
| Inflows of Cash From Investing Activities | €1.24B | €739.2M |
| Interest Expense | €290.3M | €273.5M |
| Interest Paid Classified As Operating Activities | €270.4M | €237.7M |
| Interest Received Classified As Operating Activities | €1.21B | €1.18B |
| Interest Revenue Calculated Using Effective Interest Method | €1.10B | €1.11B |
| Interest Revenue Expense | €946.7M | €934.2M |
| Investment Property | €24.4M | €26.1M |
| Investments In Associates | €14.1M | €14.7M |
| Investments In Subsidiaries | €0 | €0 |
| Issued Capital | €200.0M | €200.0M |
| Liabilities | €27.61B | €24.74B |
| Loans and Advances To Banks At Amortised Cost | €404.5M | €458.9M |
| Loans and Advances To Customers At Amortised Cost | €18.71B | €16.36B |
| Miscellaneous Other Operating Expense | €7.3M | €11.8M |
| Miscellaneous Other Operating Income | €28.4M | €21.8M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €5.4M | €11.0M |
| Other Cash Payments From Operating Activities | €62.5M | €63.4M |
| Other Cash Payments To Acquire Equity Or Debt Instruments of Other Entities Classified As Investing Activities | €1.78B | €1.90B |
| Other Cash Receipts From Operating Activities | €29.9M | €17.9M |
| Other Cash Receipts From Sales of Equity Or Debt Instruments of Other Entities Classified As Investing Activities | €1.18B | €720.8M |
| Other Comprehensive Income | €19.4M | €56.7M |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | -€3.2M | €3.2M |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €27.1M | €57.4M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €1.2M | €9.4M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €9.0K | -€1.3M |
| Other Equity Interest | €386.1M | €84.2M |
| Other Finance Cost | €38.6M | €40.6M |
| Other Finance Income | €139.7M | €95.3M |
| Other Financial Assets | €170.7M | €136.9M |
| Other Inflows Outflows of Cash Classified As Financing Activities | -€1.9M | €0 |
| Other Nonfinancial Assets | €63.9M | €56.8M |
| Other Nonfinancial Liabilities | €121.3M | €103.9M |
| Payments of Other Equity Instruments | €0 | €0 |
| Payments To Suppliers For Goods and Services and To and On Behalf of Employees | €609.4M | €502.2M |
| Proceeds From Disposal of Noncurrent Assets Or Disposal Groups Classified As Held For Sale and Discontinued Operations | €10.5M | €2.0M |
| Proceeds From Disposals of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €46.3M | €16.3M |
| Proceeds From Issue of Subordinated Liabilities | €0 | €298.6M |
| Proceeds From Sales of Interests In Associates | €720.0K | €0 |
| Provisions | €100.2M | €104.4M |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €1.7M | -€1.6M |
| Repayments of Bonds Notes and Debentures | €0 | €300.0M |
| Repayments of Subordinated Liabilities | €10.5M | €270.7M |
| Retained Earnings | €2.14B | €1.90B |
| Revenue From Dividends | €191.0K | €116.0K |
| Revenue From Interest | €1.24B | €1.21B |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Before Tax | €66.0K | €18.0K |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €1.5M | €3.0M |
| Share Premium | €871.4M | €871.4M |
| Statutory Reserve | €186.3M | €186.3M |
| Trading Income Expense | €26.3M | €33.2M |
Methodology
Every line item above is a fact tagged in NOVA LJUBLJANSKA BANKA d.d., Ljubljana's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.