NOVA LJUBLJANSKA BANKA D.D., LJUBLJANA

NOVA LJUBLJANSKA BANKA d.d., Ljubljana (NLB d.d.) is a universal bank headquartered in Slovenia and the core entity of NLB Group, the country’s largest banking group by assets, with a network of subsidiaries across Southeast Europe, including Bosnia and Herzegovina, Serbia, North Macedonia, Montenegro, and Kosovo. The bank provides retail and corporate banking services such as current and savings accounts, payment cards, domestic and cross‑border payments (including SEPA), consumer and housing loans, SME and corporate lending, cash management, trade finance, and foreign exchange, as well as investment and custody services offered through group companies. Digital channels include online banking (NLB Klik) and a mobile app with card tokenization and wallet functionality; branch and ATM coverage is extensive within Slovenia. NLB d.d. is listed on the Ljubljana Stock Exchange and publishes regular financial and regulatory disclosures; the Republic of Slovenia remains a significant shareholder via the sovereign holding. It is directly supervised within the EU Banking Union framework (ECB/Bank of Slovenia) and subject to EU capital, liquidity, and resolution requirements; eligible euro‑denominated deposits are protected by the Slovenian deposit guarantee scheme up to the statutory limit. In 2022 the group acquired the Slovenian operations of Sberbank; the entity was rebranded as N Banka and subsequently merged into NLB d.d. in 2023, consolidating the domestic franchise. Pricing follows product‑specific tariffs and account packages typical for the market, with fees for payments, cards, and cash services; onboarding, documentation, and service availability depend on residency and regulatory checks (KYC/AML, FATCA/CRS). The bank’s footprint is concentrated in Slovenia and selected former Yugoslav markets, with international services supported through correspondent banking rather than a global branch network.