By Helgi Library - September 21, 2018
Nova Ljubljanska banka's non-performing loans reached 11.0% of total loans at the end of 2017, down from 16.4% compared to the pr...
By Helgi Library - September 21, 2018
Nova Ljubljanska banka's non-performing loans reached 11.0% of total loans at the end of 2017, down from 16.4% compared to the pr...
By Helgi Library - September 21, 2018
Nova Ljubljanska banka's capital adequacy ratio reached 15.9% at the end of 2017, down from 17.0% compared to the previous year. ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 340 | 317 | 309 |
| Net Fee Income | EUR mil | 139 | 146 | 155 |
| Other Income | EUR mil | 5.56 | 12.7 | 23.9 |
| Total Revenues | EUR mil | 485 | 476 | 489 |
| Staff Cost | EUR mil | 163 | 165 | 165 |
| Operating Profit | EUR mil | 187 | 186 | 204 |
| Provisions | EUR mil | 79.5 | 60.6 | -29.5 |
| Net Profit | EUR mil | 91.9 | 110 | 225 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 432 | 436 | 510 |
| Customer Loans | EUR mil | 7,088 | 6,997 | 6,995 |
| Total Assets | EUR mil | 11,822 | 12,039 | 12,238 |
| Shareholders' Equity | EUR mil | 1,423 | 1,495 | 1,654 |
| Interbank Borrowing | EUR mil | 58.0 | 42.3 | 40.6 |
| Customer Deposits | EUR mil | 9,026 | 9,439 | 9,879 |
| Issued Debt Securities | EUR mil | 305 | 305 | 27.4 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 6.58 | 7.54 | 14.3 |
| ROA | % | 0.775 | 0.922 | 1.85 |
| Costs (As % Of Assets) | % | 2.51 | 2.43 | 2.35 |
| Costs (As % Of Income) | % | 61.5 | 60.9 | 58.3 |
| Capital Adequacy Ratio | % | 16.2 | 17.0 | 15.9 |
| Net Interest Margin | % | 2.87 | 2.66 | 2.55 |
| Loans (As % Of Deposits) | % | 78.5 | 74.1 | 70.8 |
| NPLs (As % Of Loans) | % | 22.7 | 16.4 | 11.0 |
| Provisions (As % Of NPLs) | % | 66.6 | 69.5 | 76.7 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -5.81 | -1.83 | 2.71 |
| Operating Cost Growth | % | -1.87 | -2.80 | -1.66 |
| Operating Profit Growth | % | -11.5 | -0.287 | 9.51 |
| Net Profit Growth | % | 47.4 | 19.7 | 105 |
| Customer Loan Growth | % | 5.66 | -1.28 | -0.041 |
| Total Asset Growth | % | -0.735 | 1.84 | 1.65 |
| Customer Deposit Growth | % | 0.919 | 4.58 | 4.66 |
| Shareholders' Equity Growth | % | 3.92 | 5.06 | 10.6 |
| Employees | 6,029 | 6,175 | 6,372 | |
Get all company financials in excel:
| summary | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||||||
| Net Interest Income | EUR mil | 417 | 343 | 234 | 330 | 340 | |||||||||||||
| Total Revenues | EUR mil | 613 | 675 | 69.3 | 514 | 485 | |||||||||||||
| Operating Profit | EUR mil | 222 | 307 | -264 | 211 | 187 | |||||||||||||
| Net Profit | EUR mil | -239 | -273 | -1,442 | 62.3 | 91.9 | |||||||||||||
| balance sheet | |||||||||||||||||||
| Interbank Loans | EUR mil | 784 | 460 | 225 | 271 | 432 | |||||||||||||
| Customer Loans | EUR mil | 10,749 | 9,468 | 7,041 | 6,708 | 7,088 | |||||||||||||
| Debt Securities | EUR mil | 3,348 | 2,859 | 3,504 | 3,239 | 2,578 | |||||||||||||
| Total Assets | EUR mil | 16,445 | 14,335 | 12,490 | 11,910 | 11,822 | |||||||||||||
| Shareholders' Equity | EUR mil | 998 | 1,145 | 1,271 | 1,369 | 1,423 | |||||||||||||
| Interbank Borrowing | EUR mil | 2,645 | 3,071 | 2,424 | 777 | 58.0 | |||||||||||||
| Customer Deposits | EUR mil | 10,413 | 9,118 | 8,257 | 8,944 | 9,026 | |||||||||||||
| Issued Debt Securities | EUR mil | 2,017 | 455 | 165 | 470 | 305 | |||||||||||||
| ratios | |||||||||||||||||||
| ROE | % | -23.6 | -25.4 | -119 | 4.72 | 6.58 | |||||||||||||
| ROA | % | -1.39 | -1.77 | -10.7 | 0.511 | 0.775 | |||||||||||||
| Costs (As % Of Assets) | % | 2.28 | 2.39 | 2.48 | 2.49 | 2.51 | |||||||||||||
| Costs (As % Of Income) | % | 63.8 | 54.6 | 480 | 59.0 | 61.5 | |||||||||||||
| Capital Adequacy Ratio | % | 11.1 | 10.6 | 15.2 | 17.6 | 16.2 | |||||||||||||
| Net Interest Margin | % | 2.43 | 2.23 | 1.74 | 2.71 | 2.87 | |||||||||||||
| Interest Income (As % Of Revenues) | % | 68.0 | 50.8 | 337 | 64.1 | 70.2 | |||||||||||||
| Fee Income (As % Of Revenues) | % | 25.0 | 21.7 | 199 | 27.1 | 28.6 | |||||||||||||
| Staff Cost (As % Of Total Cost) | % | 56.3 | 53.6 | 52.7 | 53.7 | 54.8 | |||||||||||||
| Equity (As % Of Assets) | % | 6.07 | 7.99 | 10.2 | 11.5 | 12.0 | |||||||||||||
| Loans (As % Of Deposits) | % | 103 | 104 | 85.3 | 75.0 | 78.5 | |||||||||||||
| Loans (As % Assets) | % | 65.4 | 66.0 | 56.4 | 56.3 | 60.0 | |||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 24.4 | 32.4 | 32.2 | 32.2 | 22.7 | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | 52.0 | 51.7 | 62.2 | 61.0 | 66.6 | ||||||
| valuation | |||||||||||||||||||
| Book Value Per Share Growth | % | ... | -4.30 | -17.9 | -31.8 | 41.3 | 3.09 |
| income statement | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||||||
| Interest Income | EUR mil | 916 | 743 | 512 | 498 | 443 | |||||||||||||
| Interest Cost | EUR mil | 499 | 401 | 278 | 168 | 103 | |||||||||||||
| Net Interest Income | EUR mil | 417 | 343 | 234 | 330 | 340 | |||||||||||||
| Net Fee Income | EUR mil | 153 | 146 | 138 | 140 | 139 | |||||||||||||
| Other Income | EUR mil | 42.5 | 186 | -302 | 44.8 | 5.56 | |||||||||||||
| Total Revenues | EUR mil | 613 | 675 | 69.3 | 514 | 485 | |||||||||||||
| Staff Cost | EUR mil | 220 | 197 | 175 | 163 | 163 | |||||||||||||
| Depreciation | EUR mil | 55.4 | 51.3 | 44.3 | 35.8 | 31.9 | |||||||||||||
| Other Cost | EUR mil | 116 | 120 | 113 | 105 | 103 | |||||||||||||
| Operating Cost | EUR mil | 391 | 368 | 333 | 304 | 298 | |||||||||||||
| Operating Profit | EUR mil | 222 | 307 | -264 | 211 | 187 | |||||||||||||
| Provisions | EUR mil | 520 | 565 | 1,105 | 141 | 79.5 | |||||||||||||
| Extra and Other Cost | EUR mil | -31.6 | 0 | 0 | 0.425 | 0.495 | |||||||||||||
| Pre-Tax Profit | EUR mil | -267 | -258 | -1,369 | 69.2 | 107 | |||||||||||||
| Tax | EUR mil | -26.8 | 14.6 | 73.5 | 4.13 | 11.4 | |||||||||||||
| Minorities | EUR mil | -0.885 | 0.908 | -0.581 | 2.73 | 3.46 | |||||||||||||
| Net Profit | EUR mil | -239 | -273 | -1,442 | 62.3 | 91.9 | |||||||||||||
| growth rates | |||||||||||||||||||
| Net Interest Income Growth | % | ... | -4.30 | -17.9 | -31.8 | 41.3 | 3.09 | ||||||||||||
| Net Fee Income Growth | % | ... | -3.29 | -4.78 | -5.72 | 1.34 | -0.586 | ||||||||||||
| Total Revenue Growth | % | ... | -4.39 | 10.0 | -89.7 | 642 | -5.81 | ||||||||||||
| Operating Cost Growth | % | ... | -2.30 | -5.94 | -9.59 | -8.81 | -1.87 | ||||||||||||
| Operating Profit Growth | % | ... | -7.88 | 38.2 | -186 | -180 | -11.5 | ||||||||||||
| Pre-Tax Profit Growth | % | ... | 17.6 | -3.30 | 430 | -105 | 54.3 | ||||||||||||
| Net Profit Growth | % | ... | -218 | 13.9 | 429 | -104 | 47.4 | ||||||||||||
| market share | |||||||||||||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | 79.9 | ||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 40.4 | 40.3 | 40.2 | 37.7 | ... | ... | ... | |
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.3 | 15.3 | 14.7 | ... | ... | ... | ... | |
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 761 | 839 | 835 | ... | ... | ... | ... |
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 20.5 | ... | ... |
| balance sheet | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||||||||||
| Cash | EUR mil | 834 | 923 | 1,251 | 1,128 | 1,162 | |||||||||||||
| Interbank Loans | EUR mil | 784 | 460 | 225 | 271 | 432 | |||||||||||||
| Customer Loans | EUR mil | 10,749 | 9,468 | 7,041 | 6,708 | 7,088 | |||||||||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | 2,799 | 2,740 | 2,716 | 2,803 | 2,908 | |||||||||
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,378 | 1,479 | 1,415 | 1,442 | 1,504 | |||
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,421 | 1,261 | 1,301 | 1,361 | 1,404 | |||
| Corporate Loans | EUR mil | ... | ... | ... | ... | 7,269 | 5,947 | 3,677 | 3,236 | 3,600 | |||||||||
| Debt Securities | EUR mil | 3,348 | 2,859 | 3,504 | 3,239 | 2,578 | |||||||||||||
| Fixed Assets | EUR mil | 459 | 399 | 293 | 258 | 247 | |||||||||||||
| Total Assets | EUR mil | 16,445 | 14,335 | 12,490 | 11,910 | 11,822 | |||||||||||||
| Shareholders' Equity | EUR mil | 998 | 1,145 | 1,271 | 1,369 | 1,423 | |||||||||||||
| Of Which Minority Interest | EUR mil | 21.6 | 19.9 | 23.6 | 26.2 | 28.0 | |||||||||||||
| Liabilities | EUR mil | 15,447 | 13,190 | 11,219 | 10,540 | 10,399 | |||||||||||||
| Interbank Borrowing | EUR mil | 2,645 | 3,071 | 2,424 | 777 | 58.0 | |||||||||||||
| Customer Deposits | EUR mil | 10,413 | 9,118 | 8,257 | 8,944 | 9,026 | |||||||||||||
| Retail Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6,645 | 6,447 | 6,061 | 6,332 | 6,489 | |||
| Corporate Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,076 | 1,735 | 1,787 | 1,826 | 1,987 | |||
| Issued Debt Securities | EUR mil | 2,017 | 455 | 165 | 470 | 305 | |||||||||||||
| Other Liabilities | EUR mil | 373 | 546 | 373 | 350 | 1,010 | |||||||||||||
| asset quality | |||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | 3,008 | 3,684 | 2,838 | 2,687 | 1,896 | ||||||
| Gross Loans | EUR mil | 12,314 | 11,374 | 8,806 | 8,347 | 8,351 | |||||||||||||
| Total Provisions | EUR mil | 1,565 | 1,906 | 1,764 | 1,638 | 1,263 | |||||||||||||
| growth rates | |||||||||||||||||||
| Customer Loan Growth | % | ... | -9.52 | -11.9 | -25.6 | -4.73 | 5.66 | ||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | -1.11 | -2.11 | -0.858 | 3.21 | 3.73 | |||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.55 | 7.36 | -4.35 | 1.94 | 4.29 | ||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -6.81 | -11.3 | 3.24 | 4.60 | 3.15 | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | -12.5 | -18.2 | -38.2 | -12.0 | 11.3 | |||||||
| Total Asset Growth | % | ... | -8.07 | -12.8 | -12.9 | -4.65 | -0.735 | ||||||||||||
| Shareholders' Equity Growth | % | ... | -3.29 | 14.8 | 11.0 | 7.73 | 3.92 | ||||||||||||
| Customer Deposit Growth | % | ... | -1.62 | -12.4 | -9.44 | 8.32 | 0.919 | ||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -0.955 | -2.97 | -5.99 | 4.48 | 2.47 | ||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -8.23 | -16.4 | 2.98 | 2.22 | 8.80 | ||
| market share | |||||||||||||||||||
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23.3 | ... | ... |
| ratios | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||||||||||
| ROE | % | -23.6 | -25.4 | -119 | 4.72 | 6.58 | |||||||||||||
| ROA | % | -1.39 | -1.77 | -10.7 | 0.511 | 0.775 | |||||||||||||
| Costs (As % Of Assets) | % | 2.28 | 2.39 | 2.48 | 2.49 | 2.51 | |||||||||||||
| Costs (As % Of Income) | % | 63.8 | 54.6 | 480 | 59.0 | 61.5 | |||||||||||||
| Capital Adequacy Ratio | % | 11.1 | 10.6 | 15.2 | 17.6 | 16.2 | |||||||||||||
| Tier 1 Ratio | % | ... | ... | 7.20 | 8.80 | 14.9 | 17.6 | 16.2 | |||||||||||
| Net Interest Margin | % | 2.43 | 2.23 | 1.74 | 2.71 | 2.87 | |||||||||||||
| Interest Spread | % | ... | 2.25 | 2.03 | 1.54 | 2.54 | 2.75 | ||||||||||||
| Asset Yield | % | 5.34 | 4.83 | 3.81 | 4.08 | 3.74 | |||||||||||||
| Cost Of Liabilities | % | ... | 3.09 | 2.80 | 2.28 | 1.54 | 0.984 | ||||||||||||
| Interest Income (As % Of Revenues) | % | 68.0 | 50.8 | 337 | 64.1 | 70.2 | |||||||||||||
| Fee Income (As % Of Revenues) | % | 25.0 | 21.7 | 199 | 27.1 | 28.6 | |||||||||||||
| Other Income (As % Of Revenues) | % | 6.93 | 27.6 | -436 | 8.71 | 1.15 | |||||||||||||
| Cost Per Employee | USD per month | 3,428 | 2,927 | 2,807 | 2,714 | 2,586 | |||||||||||||
| Cost Per Employee (Local Currency) | EUR per month | 2,465 | 2,279 | 2,115 | 2,105 | 2,256 | |||||||||||||
| Staff Cost (As % Of Total Cost) | % | 56.3 | 53.6 | 52.7 | 53.7 | 54.8 | |||||||||||||
| Equity (As % Of Assets) | % | 6.07 | 7.99 | 10.2 | 11.5 | 12.0 | |||||||||||||
| Loans (As % Of Deposits) | % | 103 | 104 | 85.3 | 75.0 | 78.5 | |||||||||||||
| Loans (As % Assets) | % | 65.4 | 66.0 | 56.4 | 56.3 | 60.0 | |||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 24.4 | 32.4 | 32.2 | 32.2 | 22.7 | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | 52.0 | 51.7 | 62.2 | 61.0 | 66.6 | ||||||
| Provisions (As % Of Loans) | % | 14.6 | 20.1 | 25.1 | 24.4 | 17.8 | |||||||||||||
| Cost of Provisions (As % Of Loans) | % | 4.60 | 5.59 | 13.4 | 2.06 | 1.15 |
| other data | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | 250 | 247 | 244 | 369 | 369 | ... | ... | ||||||
| Employees | 7,448 | 7,208 | 6,912 | 6,448 | 6,029 | ||||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | 560 | 566 | 573 | ... | ... | ... | ... | |||||
| Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.883 | 1.90 | ... | ... | ... |
| Payment Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,327 | 1,328 | 1,313 | 1,190 | ... | ... | ... | |
| Debit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 408 | 388 | 373 | ... | ... | ... | ... | |
| Credit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 920 | 940 | 940 | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Library - September 21, 2018
Nova Ljubljanska banka's capital adequacy ratio reached 15.9% at the end of 2017, down from 17.0% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 17.6% in 2014 and an all time low of 9.00% in 2004. The Tier 1 rati...
By Helgi Library - September 21, 2018
Nova Ljubljanska banka made a net profit of EUR 225 mil in 2017, up 105% compared to the previous year. This implies a return on equity of 14.3%. Historically, the bank’s net profit reached an all time high of EUR 225 mil in 2017 and an all time low of EUR ...
By Helgi Library - September 21, 2018
Nova Ljubljanska banka made a net profit of EUR 225 mil in 2017, up 105% compared to the previous year. This implies a return on equity of 14.3%. Historically, the bank’s net profit reached an all time high of EUR 225 mil in 2017 and an all time low of EUR ...
By Helgi Library - September 21, 2018
Nova Ljubljanska banka's net interest margin amounted to 2.55% in 2017, down from 2.66% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.53% in 2001 and an all time low of 1.74% in 2013. The avera...
By Helgi Library - September 21, 2018
Nova Ljubljanska banka's net interest margin amounted to 2.55% in 2017, down from 2.66% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.53% in 2001 and an all time low of 1.74% in 2013. The avera...
By Helgi Library - September 20, 2018
Nova Ljubljanska banka's loans reached EUR 7,641 mil in the 2017, down from EUR 7,901 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 13,054 mil in 2010 and an all time low of EUR 7,641 mil in 2017. In t...
By Helgi Library - September 20, 2018
Nova Ljubljanska banka's loans reached EUR 7,641 mil in the 2017, down from EUR 7,901 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 13,054 mil in 2010 and an all time low of EUR 7,641 mil in 2017. In t...
By Helgi Library - September 21, 2018
Nova Ljubljanska banka generated total banking revenues of EUR 489 mil in 2017, up 2.71% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 688 mil in 2008 a...
By Helgi Library - September 21, 2018
Nova Ljubljanska banka generated total banking revenues of EUR 489 mil in 2017, up 2.71% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 688 mil in 2008 a...
By Helgi Library - September 20, 2018
Nova Ljubljanska banka's retail loans reached EUR 3,470 mil at the end of 2017, up 8.77% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%. Overall, retail loans accounted for 49.6% of the bank's loan book at t...
Nova Ljubljanska banka is a Slovenia-based universal bank. The Bank with its subsidiaries is the largest Slovenian banking and financial group, offering a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits. The bank also provides foreign exchange, e-banking, payment card, and money transfer services. The Bank makes majority of its bussines, revenues and profits in Slovenia, but is also active it other countries of the South-eastern Europe, such as in Bosnia and Herzegovina, Montenegro, Kosovo and Macedonia. Nova Ljubljanska banka was founded in 1889 and is headquartered in Ljubljana, Slovenia. Following bank's hefty losses and recapitalisation, the Government regained a majority in the Bank.
Nova Ljubljanska banka has been growing its revenues and asset by -2.65% and -3.95% a year on average in the last 10 years. Its loans and deposits have grown by -5.21% and 0.703% a year during that time and loans to deposits ratio reached 70.8% at the end of 2017. The company achieved an average return on equity of -12.2% in the last decade with net profit growing 5.54% a year on average. In terms of operating efficiency, its cost to income ratio reached 58.3% in 2017, compared to 104% average in the last decade.
Equity represented 13.5% of total assets or 23.6% of loans at the end of 2017. Nova Ljubljanska banka's non-performing loans were 11.0% of total loans while provisions covered some 76.7% of NPLs at the end of 2017.
Helgi Library 
