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

LJSE:NLBR Balance Sheet

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
Cash & Equivalents	990.5	1,175	1,200	962.52	899.99	985.76
Investment Securities	6,717	6,329	4,825	4,902	5,230	5,060
Trading Asset Securities	69.71	89.76	53.13	57.18	15.33	98.7
Total Investments	6,786	6,419	4,878	4,959	5,245	5,159
Gross Loans	17,967	16,965	14,217	13,477	11,077	10,093
Allowance for Loan Losses	-353.1	-358	-328.93	-324.27	-316.17	-372.42
Other Adjustments to Gross Loans	-	-190.41	-57.81	-23.82	-10.16	-4.13
Net Loans	17,614	16,417	13,831	13,129	10,750	9,716
Property, Plant & Equipment	312.61	310.02	278.03	251.32	247.01	249.12
Goodwill	8.07	8.07	3.53	3.53	3.53	3.53
Other Intangible Assets	92.13	92.43	58.59	54.71	55.55	58.14
Investments in Real Estate	22.29	26.13	31.12	35.64	47.62	54.84
Accrued Interest Receivable	14.46	-	-	3.39	1.72	1.33
Other Receivables	58.91	77.29	60.61	79.72	56.13	53.29
Restricted Cash	3,488	3,322	5,435	4,537	4,133	3,150
Other Current Assets	22.25	30.13	14.63	25.25	12.48	18.12
Long-Term Deferred Tax Assets	116.08	120.7	111.31	55.53	38.98	31.79
Other Real Estate Owned & Foreclosed	19.54	20.6	27.64	51.59	75.45	76.02
Total Assets	29,573	28,035	25,942	24,160	21,577	19,566
Accounts Payable	16.43	30.47	22.87	19.61	17.51	20.99
Accrued Expenses	75.13	139.66	80.06	69.11	61.86	55.09
Interest Bearing Deposits	4,094	3,966	3,298	2,661	2,337	2,784
Non-Interest Bearing Deposits	18,923	18,376	17,530	17,473	15,376	13,686
Total Deposits	23,017	22,342	20,828	20,134	17,713	16,470
Short-Term Borrowings	10.38	10.59	16.76	23.71	42.96	76.65
Current Portion of Long-Term Debt	-	-	-	-	767.04	37.12
Current Portion of Leases	-	7.66	5.49	6.78	5.58	7
Current Income Taxes Payable	17.43	18.03	35.88	12.42	5.88	1
Other Current Liabilities	160.32	124.99	211.31	144.18	85.26	69.28
Long-Term Debt	2,509	1,834	1,578	1,097	454.06	500.99
Long-Term Leases	37.24	28.27	23.46	17.06	18.74	19.36
Long-Term Unearned Revenue	-	8.94	11.38	11.18	11.37	12.36
Pension & Post-Retirement Benefits	21.47	20.9	17.89	18.03	21.45	20.71
Long-Term Deferred Tax Liabilities	13.96	17.69	1.43	2.57	3.05	4.48
Other Long-Term Liabilities	237.13	153.74	161.11	182.06	153.98	148
Total Liabilities	26,115	24,737	22,994	21,738	19,361	17,443
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	2,232	2,090	1,803	1,371	1,018	860.28
Comprehensive Income & Other	82.91	64.54	8.06	-76.4	-10.55	21.13
Total Common Equity	3,386	3,226	2,883	2,366	2,079	1,953
Minority Interest	71.64	72.09	65.14	56.74	137.39	170.25
Shareholders' Equity	3,458	3,298	2,948	2,422	2,216	2,123
Total Liabilities & Equity	29,573	28,035	25,942	24,160	21,577	19,566
Total Debt	2,557	1,881	1,624	1,145	1,288	641.11
Net Cash (Debt)	-1,497	-615.45	-370.56	-124.93	-373.07	443.35
Net Cash Growth	-	-	-	-	-	134.24%
Net Cash Per Share	-74.83	-30.77	-18.53	-6.25	-18.65	22.17
Filing Date Shares Outstanding	20	20	20	20	20	20
Total Common Shares Outstanding	20	20	20	20	20	20
Book Value Per Share	169.31	161.30	144.14	118.28	103.94	97.64
Tangible Book Value	3,286	3,125	2,821	2,307	2,020	1,891
Tangible Book Value Per Share	164.30	156.27	141.04	115.37	100.98	94.56

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