Update shared on05 Jun 2025
Fair value Increased 14%NLB Banka Vision Update: Toward €2.2B Revenue and €1B Profit by 2030
June 2025
NLB Banka remains firmly on course to become the leading financial institution in Southeastern Europe. Backed by strong Q1 2025 performance—€125.8M net profit, +20% loan growth, and robust digital momentum—the Bank is progressing toward its 2030 vision: €2 billion in revenue and €1 billion in net profit.
Strategic Focus Areas:
- Targeted M&A: Active pipeline in Serbia and Croatia to scale customer base, unlock synergies, and expand digital offerings.
- Organic Growth: Strong SME and retail momentum, with digital channels driving over 60% of new business.
- Sustainability & ESG: €1.8B green loan book and new ESG-linked products driving future-oriented growth.
- Operational Excellence: Targeting cost-to-income ratio below 43% via automation, AI, and shared platforms.
Updated Financial Trajectory to 2030:
Year Revenue (€B) Net Profit (€M) CIR (%) ROE (%)
2025E 1.20 500 48% 14%
2026E 1.40 620 46% 15%
2027E 1.65 750 45% 15.5%
2028E 1.90 880 44% 16%
2029E 2.10 970 43% 16.5%
2030E 2.20 1,000 42% 17%
Outlook
With disciplined execution, strong capital buffers, and a scalable digital model, NLB Banka is well-positioned to meet its 2030 targets—emerging not just as a regional leader, but as a resilient, future-ready European bank.
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