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

LJSE:NLBR Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,224	1,208	993.41	569.78	477.83	355.19
Interest Income on Investments	0.17	0.12	0.17	0.24	0.22	0.11
Total Interest Income	1,224	1,208	993.57	570.02	478.05	355.3
Interest Paid on Deposits	242.71	232.86	148.03	53.09	40.46	41.21
Interest Paid on Borrowings	41.33	40.61	12.04	11.77	28.01	14.41
Total Interest Expense	284.05	273.48	160.07	64.85	68.47	55.62
Net Interest Income	940.33	934.28	833.5	505.16	409.58	299.68
Net Interest Income Growth (YoY)	2.89%	12.09%	65.00%	23.34%	36.67%	-5.96%
Income From Trading Activities	30.65	33.23	32.19	33.45	21.19	9.79
Gain (Loss) on Sale of Assets	2.31	1.49	6.33	3.37	1.03	11.09
Gain (Loss) on Sale of Investments	-29.77	-28.2	6.99	-13.5	35.04	-37.98
Other Non-Interest Income	357.42	325.51	296.38	286.82	247.56	178.18
Total Non-Interest Income	360.61	332.03	341.89	310.15	304.82	161.08
Non-Interest Income Growth (YoY)	6.62%	-2.88%	10.23%	1.75%	89.23%	-28.36%
Revenues Before Loan Losses	1,301	1,266	1,175	815.31	714.41	460.77
Provision for Loan Losses	-5.02	-10.73	-5.06	3.05	-8.5	0.48
Revenue	1,306	1,277	1,180	812.26	722.91	460.28
Revenue Growth (YoY)	3.89%	8.18%	45.33%	12.36%	57.06%	-15.27%
Occupancy Expenses	66.14	58.22	49.23	47.39	46.53	31.72
Federal Deposit Insurance	43.04	40.21	39.09	36.14	35.14	16.67
Selling, General & Administrative	539.35	506.08	448.17	408.79	361.27	257.9
Other Non-Interest Expense	53.3	54.37	42.73	7.94	11.1	3.36
Total Non-Interest Expense	699.09	655.89	578.15	499.48	452.93	308.77
EBT Excluding Unusual Items	606.86	621.15	602.3	312.78	269.98	151.51
Asset Writedown	1.58	-0.15	2.04	3.33	5.12	1.97
Legal Settlements	-11.1	-8.93	-7.28	-1.65	1.11	-4.7
Other Unusual Items	-	-	-14.99	178.92	-	134.28
Pretax Income	593.42	608.15	578.41	483.06	261.41	277.92
Income Tax Expense	81.29	77.92	15.09	25.23	13.54	5.17
Earnings From Continuing Operations	512.13	530.23	563.32	457.83	247.87	272.76
Minority Interest in Earnings	-15.23	-15.68	-12.62	-10.97	-11.46	-3.05
Net Income	496.9	514.55	550.7	446.86	236.4	269.71
Net Income to Common	496.9	514.55	550.7	446.86	236.4	269.71
Net Income Growth	-17.19%	-6.56%	23.24%	89.03%	-12.35%	39.33%
Basic Shares Outstanding	20	20	20	20	20	20
Diluted Shares Outstanding	20	20	20	20	20	20
EPS (Basic)	24.85	25.73	27.54	22.34	11.82	13.49
EPS (Diluted)	24.82	25.70	27.50	22.30	11.80	13.49
EPS Growth	-17.15%	-6.54%	23.32%	88.98%	-12.50%	39.33%
Dividend Per Share	6.430	6.430	11.000	5.500	5.000	4.610
Dividend Growth	-41.55%	-41.55%	100.00%	10.00%	8.46%	-
Effective Tax Rate	13.70%	12.81%	2.61%	5.22%	5.18%	1.86%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.