Nova Ljubljanska Banka (NLB) 2020年年度报告「LSE」.pdf

1、Annual Report 2020This is Our HomeAnnual Report 2020MB Statement SB Statement Key highlights Acquisition of KB Risk factors&Outlook Performance Overview Risk Management Financial Report2CONTENTSContentsThe expectations,forecasts and statements regarding future developments that are contained in this

2、 report are based on assumptions and are contingent on a number of factors that will come into play in the future.Consequently,the actual situation may turn out to be different.The Annual Report in PDF format represents its unofficial version.The Annual Report in ESEF format is pursuant to Commissio

3、n Delegated Regulation(EU)2019/815 and paragraph one of Article 134 of the Market in Financial Instruments Act(ZTFI-1)and represents its official version published on SEOnet.Report formatForward-looking statementsFurther information on sustainability is available in the NLB Group Sustainability Repo

4、rt 2020.Annual Report 2020Statement by the Management Board of NLB 5Statement by the Chairman of the Supervisory Board of NLB 8Strategic Members Overview 11Key Highlights 13Key Events 17Macroeconomic Environment 18Regulatory Environment 22Business Report 24Acquisition of Komercijalna banka a.d.Beogr

5、ad 25Strategy 26Risk Factors and Outlook 28Sustainability 30Overview of Financial Performance 32Segment Analysis 42Retail Banking in Slovenia 43Corporate and Investment Banking in Slovenia 47Strategic Foreign Markets 51Financial Markets in Slovenia 53Non-Core Members 56Risk Management 58IT and Cyber

6、 Security 69Human Resources 71Corporate Governance 73Compliance and Integrity 80Internal Audit 81Corporate Governance Statements 83Disclosure on Shares and Shareholders of NLB 92Events after the end of the 2020 financial year 93Financial Report 95Alternative Performance Indicators 180NLB Group Chart