Nova Ljubljanska Banka (NLB) 2021年年度报告「LSE」.pdf

1、 We believe in thisregions potentialNLB Group Annual Report 2021 2ContentsMB StatementSB StatementKey HighlightsStrategyRisk Factors&OutlookSustainabilityPerformance OverviewRisk ManagementEvents After 2021Financial ReportContentsReport format The Annual Report in PDF format represents its unofficia

2、l version.The Annual Report in ESEF format is pursuant to Commission 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.Forward-looking statements The expectations,forecasts and s

3、tatements regarding future developments that are contained in this 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.Statement by the Management Board of NLB.6Statement by th

4、e Chairman of the Supervisory Board of NLB 8Strategic Members Overview.11Key Highlights.12Key Events.17Market Performance of NLBs Shares and GDRs.18Macroeconomic Environment.21Regulatory Environment.26BUSINESS REPORT.28Strategy.29Risk Factors and Outlook.31Impact of COVID-19 on Operations.34Sustaina

5、bility.35Overview of Financial Performance.40Segment Analysis.61Retail Banking in Slovenia.62Corporate and Investment Banking in Slovenia.67Strategic Foreign Markets.71Financial Markets in Slovenia.91Non-Core Members.94Risk Management.96IT and Cyber Security.105Human Resources.108Corporate Governanc

6、e.111Compliance and Integrity.119Internal Audit.121Corporate Governance Statements.122Disclosure on Shares and Shareholders of NLB.144Events After the End of the 2021 Financial Year.146Reconciliation of Financial Statements in Business and Financial Part of the Report.147Alternative Performance Indi