Created by Anna Mileiko 
Established around 50 years ago, NLB Komercijalna banka a.d. Beograd (formerly Komercijalna banka a.d. Beograd) is a universal commercial bank, providing retail and business banking products and services to individuals, SMEs and businesses. In 2022, Komercijalna Banka became a part of NLB Bank Group (Slovenia) and started operating as NLB Komercijalna banka a.d. Beograd.NLB Komercijalna Banka supports activities in the field of environmental protection and the protection of human and labor rights, by applying the best practices of sustainable funding.
In 2023, NLB Komercijalna banka a.d. Beograd achieved the position of 5th largest bank in Serbia with a market share of 9.92%; its total assets grew by 7.45%.
Additionally, the bank became the 6th profitable bank in relation to its total assets showcasing 2.65% return on assets and 16.25% return on equity in 2023.
Also the lender held the 11th position regarging its loans-to-deposits (L/D) registering 78.31% L/D ratio in 2023.
Deposits up to 50,000 EUR are covered by Serbian deposit guarantee scheme in NLB Komercijalna banka a.d. Beograd.
RSD (Serbian dinar)
EUR (Euro)
AUD (Australian dollar)
CAD (Canadian dollar)
DKK (Danish krone)
JPY (Japanese yen)
NOK (Norwegian krone)
RUB (Russian ruble)
SEK (Swedish krona/kronor)
GBP (Pound sterling)
USD (US dollar)
CNY (Renminbi (Chinese) yuan)
branch
online banking
mobile app
Belgrade Stock Exchange (XBEL)
NLB Komercijalna banka a.d. Beograd ranks as the 5th largest bank in Serbia by total assets. In 2023 its total assets were 589.16 bln RSD, representing a 9.92% market share. In 2023 the bank's annual profit was 15,061.39 mln RSD.
Deposit Insurance Agency (AOD)NLB Komercijalna banka a.d. Beograd protects deposits up to up to 50,000 EUR per depositor through Serbia's deposit guarantee scheme. The scheme applies to any credit balance made by natural persons, micro-, small- and medium-sized legal entities. The bank participates in the Deposit Insurance Agency (AOD), making regular contributions into it.
Svetog Save 14, 11000, Belgrade, Serbia
+381 11 30 80 100
+381 11 34 41 335NLB Komercijalna banka a.d. Beograd has profiles at the following social networks:
NLB Komercijalna banka a.d. Beograd is authorized and supervised by the National Bank of Serbia (reference number 07737068).
RSDEURAUDCADDKKJPYNOKRUBSEKGBPUSDCNYVisaMasterCardNLB Komercijalna banka a.d. Beograd provides products and services in the areas of retail banking, business banking. NLB Komercijalna banka a.d. Beograd offers a range of products including current accounts, debit cards, credit cards, savings accounts, time deposit accounts, investment funds, consumer loans, car loans, student loans, refinancing loans, mortgage loans, housing loans. NLB Komercijalna banka a.d. Beograd offers several money transfer options including Western Union, RIA. NLB Komercijalna banka a.d. Beograd makes its solutions available to natural persons, SMEs, companies, farmers.
branch online banking mobile appProducts and services offered by NLB Komercijalna banka a.d. Beograd are available at its branches and via its online banking system, mobile application.
EnglishSerbianIn 2023 total assets of NLB Komercijalna banka a.d. Beograd were 589.16 bln RSD. Growth compared to the previous period (2022) was 7.45%. The evolution of the total assets of NLB Komercijalna banka a.d. Beograd is shown at Chart 1 below.
Chart 1. Total Assets of NLB Komercijalna banka a.d. Beograd.
Recent changes in total assets of NLB Komercijalna banka a.d. Beograd and its main components are shown in Table 1.
| 2022 | 2023 | change (%) | |
|---|---|---|---|
| Cash and deposits with Central Banks | 81.5 | 98.2 | +20.52% |
| Loans to banks | 22.8 | 43.8 | +92.31% |
| Loans to customers | 303.2 | 328.9 | +8.48% |
| Total Assets | 548.3 | 589.2 | +7.45% |
Table 1. Recent changes in total assets of NLB Komercijalna banka a.d. Beograd (bln RSD).
Recent changes in total liabilities of NLB Komercijalna banka a.d. Beograd and its main components are shown in Table 2.
| 2022 | 2023 | change (%) | |
|---|---|---|---|
| Bank deposits | 17.0 | 13.8 | -18.54% |
| Customer deposits | 430.5 | 462.1 | +7.36% |
| Total Liabilities | 548.3 | 589.2 | +7.45% |
Table 2. Recent changes in total liabilities of NLB Komercijalna banka a.d. Beograd (bln RSD).
Recent changes in gross profit of NLB Komercijalna banka a.d. Beograd and its main components are shown in Table 3.
| 2022 | 2023 | change (%) | |
|---|---|---|---|
| Interest Income | 17,059.9 | 28,646.3 | +67.92% |
| Interest Charges | -878.2 | -2,660.0 | +202.90% |
| Net Interest Income | 16,181.6 | 25,986.2 | +60.59% |
| Commission Income | 10,361.8 | 11,239.8 | +8.47% |
| Commission Charges | -2,473.2 | -2,770.7 | +12.03% |
| Net Commission Income | 7,888.7 | 8,469.2 | +7.36% |
Table 3. Recent changes in gross profit of NLB Komercijalna banka a.d. Beograd (mln RSD).
In 2023 annual profit of NLB Komercijalna banka a.d. Beograd was 15,061.39 mln RSD. Growth compared to the previous period (2022) was 79.93%. The evolution of the annual profit of NLB Komercijalna banka a.d. Beograd is shown at Chart 2 below.
Chart 2. Annual Profit of NLB Komercijalna banka a.d. Beograd.
In 2023 NLB Komercijalna banka a.d. Beograd was ranked the 5th largest bank in Serbiain terms of total assets, having 9.92% of the domestic market share.
Chart 3. Market share of NLB Komercijalna banka a.d. Beograd (among banks in Serbia)
Historical changes in NLB Komercijalna banka a.d. Beograd's domestic rank and market share over 2019-2023 are shown below:
| Year | Rank | Market % |
|---|---|---|
| 2023 | 5 | 9.92 % |
| 2022 | 5 | 9.09 % |
| 2021 | 4 | 9.70 % |
| 2020 | 3 | 9.99 % |
| 2019 | 3 | 10.59 % |
TheBanks.eu identified several banks banks having the market shares and ranks closest to NLB Komercijalna banka a.d. Beograd listed below.
| Rank | Name | Market % | Total Assets |
|---|---|---|---|
| 4 |  | 10.74% | 638.19 bln RSD (+9.49%) |
| 5 | | 9.92% | 589.16 bln RSD (+7.45%) |
| 6 |  | 7.80% | 463.16 bln RSD (+16.15%) |
Discover key identifiers of NLB Komercijalna banka a.d. Beograd including its BIC, LEI, company number.
BIC: KOBBRSBG
The BIC (also known as SWIFT code) for NLB Komercijalna banka a.d. Beograd is KOBBRSBG. It is used in financial transactions like cross-border and SEPA payments, and helps identify the bank in global banking systems.
| Key | Value |
|---|---|
| BIC | KOBBRSBG |
| Bank BIC Code | KOBB |
| Country Code | RS (Serbia) |
| Location Code | BG |
| Branch Code | - |
LEI: 549300WZI2AGR4NZU538
NLB Komercijalna banka a.d. Beograd’s LEI is 549300WZI2AGR4NZU538. This code is critical for verifying the institutions’s legal identity in financial markets and is used for regulatory reporting and risk management.
| Key | Value |
|---|---|
| LEI | 549300WZI2AGR4NZU538 |
| LOU Identifier | 5493 |
| Reserved | 00 |
| Entity Identifier | WZI2AGR4NZU5 |
| Verification ID | 38 |
Company Registration Number: 07737068
NLB Komercijalna banka a.d. Beograd is registered in Serbia under company number 07737068. In Serbia,Company Registration Number (Матичен Броj) is assigned automaticallywhen registering a company; the company details are then availablein the Serbian Business Registers Agency.The registration number is a unique and unchangeable identifier whichconsist of 8 digits.
| Key | Value |
|---|---|
| Company Number | 07737068 |
TheBanks.eu identified several banks similar to NLB Komercijalna banka a.d. Beograd based on various criteria, including:
