Nova Ljubljanska Banka d.d.
Nova Ljubljanska Banka d.d., together with its subsidiaries, provides various banking services for retail and corporate clients in Slovenia, South East Europe, and Western Europe. It operates through Retail Banking in Slovenia, Corporate and Investment Banking in Slovenia, Strategic Foreign Markets, Financial Markets in Slovenia, Non-Core Members, and Other segments. The company offers saving, de… Read more
Nova Ljubljanska Banka d.d. (N1V1) - Net Assets
Latest net assets as of September 2025: €3.59 Billion EUR
Based on the latest financial reports, Nova Ljubljanska Banka d.d. (N1V1) has net assets worth €3.59 Billion EUR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€30.39 Billion) and total liabilities (€26.81 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €3.59 Billion |
| % of Total Assets | 11.8% |
| Annual Growth Rate | 14.17% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 5.34 |
Nova Ljubljanska Banka d.d. - Net Assets Trend (2021–2024)
This chart illustrates how Nova Ljubljanska Banka d.d.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Nova Ljubljanska Banka d.d. (2021–2024)
The table below shows the annual net assets of Nova Ljubljanska Banka d.d. from 2021 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €3.30 Billion | +11.87% |
| 2023-12-31 | €2.95 Billion | +21.70% |
| 2022-12-31 | €2.42 Billion | +9.30% |
| 2021-12-31 | €2.22 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Nova Ljubljanska Banka d.d.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 89.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €1.90 Billion | 59.01% |
| Other Components | €1.32 Billion | 40.99% |
| Total Equity | €3.23 Billion | 100.00% |
Nova Ljubljanska Banka d.d. Competitors by Market Cap
The table below lists competitors of Nova Ljubljanska Banka d.d. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
ZoomInfo Technologies Inc
NASDAQ:ZI
|
$3.21 Billion |
|
Virtu Financial, Inc.
NYSE:VIRT
|
$3.21 Billion |
|
NCR Atleos Corporation
NASDAQ:NATL
|
$3.21 Billion |
|
SECTRA AB
F:61L0
|
$3.21 Billion |
|
Mapfre S.A
PINK:MPFRF
|
$3.20 Billion |
|
Monday.Com Ltd
NASDAQ:MNDY
|
$3.19 Billion |
|
SEEK Limited
F:SLD
|
$3.19 Billion |
|
Delivery Hero AG
LSE:0RTC
|
$3.19 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Nova Ljubljanska Banka d.d.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 2,882,850,000 to 3,225,960,000, a change of 343,110,000 (11.9%).
- Net income of 514,552,000 contributed positively to equity growth.
- Dividend payments of 228,679,000 reduced retained earnings.
- Other factors increased equity by 57,237,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €514.55 Million | +15.95% |
| Dividends Paid | €228.68 Million | -7.09% |
| Other Changes | €57.24 Million | +1.77% |
| Total Change | €- | 11.90% |
Book Value vs Market Value Analysis
This analysis compares Nova Ljubljanska Banka d.d.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.29x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.00x to 1.29x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-12-31 | €103.94 | €208.00 | x |
| 2022-12-31 | €118.28 | €208.00 | x |
| 2023-12-31 | €144.14 | €208.00 | x |
| 2024-12-31 | €161.30 | €208.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Nova Ljubljanska Banka d.d. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 15.95%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 39.81%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 8.69x
- Recent ROE (15.95%) is below the historical average (16.33%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2021 | 11.37% | 33.71% | 0.03x | 10.38x | €28.53 Million |
| 2022 | 18.89% | 53.75% | 0.03x | 10.21x | €210.30 Million |
| 2023 | 19.10% | 47.77% | 0.04x | 9.00x | €262.42 Million |
| 2024 | 15.95% | 39.81% | 0.05x | 8.69x | €191.96 Million |
Industry Comparison
This section compares Nova Ljubljanska Banka d.d.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $2,151,195,313,100
- Average return on equity (ROE) among peers: 3.71%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Nova Ljubljanska Banka d.d. (N1V1) | €3.59 Billion | 11.37% | 7.47x | $3.20 Billion |
| PT Bank Sinarmas Tbk (08S) | $6.07 Trillion | 0.11% | 5.02x | $303.68 Million |
| Seven Bank Ltd (0S7) | $275.85 Billion | 11.59% | 5.23x | $648.12 Million |
| Aktia Pankki Oyj (2A41) | $666.83 Million | 6.39% | 14.86x | $486.03 Million |
| Manx Financial Group PLC (3IM) | $24.98 Million | 11.18% | 11.36x | $13.98 Million |
| TowneBank (3T8) | $1.14 Billion | 7.67% | 6.46x | $2.10 Billion |
| TISCO Financial Group PCL (47T) | $42.45 Billion | 17.20% | 5.85x | $2.09 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $44.90 Billion | 9.50% | 14.37x | $867.69 Million |
| Fukuoka Financial Group Inc (4FK) | $853.06 Billion | 12.97% | 28.39x | $6.27 Billion |
| PT Bank KB Bukopin Tbk (5BB) | $14.11 Trillion | -42.76% | 4.97x | $15.54 Million |
| FIDEA Holdings Co. Ltd (5F9) | $109.23 Billion | 3.21% | 28.89x | $177.57 Million |