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Investor Relations14 Oct 2025
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Nova Ljubljanska Banka (NLBR) investor relations material
Nova Ljubljanska Banka Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Profit after tax for H1 2025 reached EUR 274.4 million, with strong loan and deposit growth across all markets, supported by the SLS Group acquisition and robust retail and corporate lending.
Net interest income rose 1% year-over-year, driven by higher loan volumes and the SLS Group, while net fee and commission income increased 9% year-over-year, mainly from investment funds and bancassurance.
Integration of Summit Leasing completed within nine months, creating the largest leasing ecosystem in Slovenia and strengthening regional leadership.
Accelerated digital transformation, including new mobile app launches and expansion of digital services, driving higher digital adoption rates.
Maintained focus on ESG and sustainability targets, with continued commitment to equal opportunities and environmental initiatives.
Financial highlights
Net operating income grew 5% year-over-year to EUR 635 million, with net interest margin at 3.40% and net fee and commission income up 9% to EUR 163.1 million.
Asset base increased 11% year-over-year to EUR 29.6 billion, with gross loans to customers up 21% to EUR 17.8 billion and deposits up 10% to EUR 22.8 billion.
Cost/income ratio rose to 46.7% (+3.9 p.p. year-over-year), reflecting higher costs from integration, salary adjustments, and IT investments.
After-tax profit for Q2 2025 was EUR 148.5 million, up 18% sequentially from Q1 2025.
Cost of risk was -4 bps in H1 2025, reflecting net releases of impairments and provisions.
Outlook and guidance
Full-year 2025 loan growth guidance upgraded to low double-digit, with recurring revenues expected around EUR 1.2 billion and 2026 target above EUR 1.3 billion.
Cost/income ratio for 2025 projected at ~48%, with ROE after tax expected around 15% and normalized ROE at 20%.
Cost of risk guidance maintained at 30–50 bps, with expectations to remain at the lower end barring material deterioration.
Dividend payout for 2025 expected at 50% of 2024 profit, with a second tranche subject to approval later in the year.
M&A capacity up to EUR 4 billion RWA, supporting further regional expansion.
NLB DigIT capacity target by mid next year
Summit Leasing integration impact on FTEs
Detail revenue growth excluding leasing
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Next Nova Ljubljanska Banka earnings date
Q3 20256 Nov, 2025
Next Nova Ljubljanska Banka earnings date
Q3 20256 Nov, 2025
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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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