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Nova Ljubljanska Banka
Nova Ljubljanska Banka (NLBR) investor relations material
Nova Ljubljanska Banka Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Achieved net profit of EUR 503.1 million for 2025, driven by robust 14% loan growth and strong fee income, despite margin pressure and higher provisioning costs.
Total assets increased 12% year-over-year to EUR 31.5 billion, with customer deposits up 10% and continued strong growth in Southeast Europe.
Maintained a leading market position in Southeast Europe, with double-digit loan growth in both retail and corporate segments.
Digital transformation advanced, with digital active user base up 5.7% YoY and digital sales of core products rising to 36%.
Dividend payout ratio increased to 55% of profits, with absolute dividend growth despite a slight net income decline.
Financial highlights
Net operating income grew 5% YoY to EUR 1,302.5 million, with net interest income up 1% YoY and net non-interest income up 16% YoY.
Cost-to-income ratio (CIR) at 47.4%, reflecting higher operating costs but remaining below guidance.
Return on equity after tax (ROE a.t.) was 14.5%, with normalized ROE at 20.5%.
Cost of risk for the year was 29 basis points, mainly due to sector-specific provisions in Slovenia.
NPL ratio stable at 2.0%, with coverage ratios above EU averages.
Outlook and guidance
2026 guidance targets net operating income above EUR 1.3 billion, CIR below 48%, cost of risk at 30–50 bps, and high single-digit loan growth.
Dividend payout ratio outlook is 50-60% by 2027, with current capital levels supporting growth and distributions.
Effective tax rate expected to converge to 15% by 2029 as DTA utilization and balance sheet tax sunset.
M&A capacity up to EUR 4 billion RWA, supported by strong capital and recent AT1 issuance.
NPL increase and coverage ratio decline: outlook?
How will CIR targets be met with rising costs?
NIM bottoming out: drivers and sustainability?
Strategy 2030: Recurring revenue growth drivers?
MREL funding cost optimization strategy
SEE loan growth vs. rising deposit costs balance
What drives the 30-50bps cost of risk guidance?
M&A strategy given high capital levels?
Beyond loan growth, what drives revenue upside?
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Next Nova Ljubljanska Banka earnings date
Q1 20266 May, 2026
Nova Ljubljanska Banka
Next Nova Ljubljanska Banka earnings date
Q1 20266 May, 2026
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Frequently asked questions
Nova Ljubljanska Banka d.d. (NLB Group) is a leading banking and financial institution headquartered in Ljubljana, Slovenia, with a significant presence in Southeast Europe. The group operates through a network of subsidiary banks and companies that offer a comprehensive range of services, including retail banking, commercial banking, investment, private banking, asset management, and insurance. The company is headquartered in Ljubljana, Slovenia, and its shares are listed on the Ljubljana Stock Exchange.
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