Nova Ljubljanska Banka (NLB) 2003年年度报告「LSE」.pdf

1、NLB Group Annual report 2003Introduction of NLB Group and NLB Bank1NLB Group and NLB Bank financial highlights2Statement of the President and CEO4Statement of the Chairman of the Supervisory Board6Strategy of NLB Group 2004 to 20067Financial review of NLB Group and NLB Bank in 20038Risk management14

2、Retail banking business18New offer of bank assurance services18Continued growth in the volume of retail banking19Retail banking business within NLB Group19Corporate banking business20Corporate lending20Small and medium enterprises business21Corporate business of NLB Group members21International busi

3、ness21International business of NLB Group members22Range of para banking services offer within NLB Group22Financial markets23Issue and trading with securities23Currency trading24Trading in derivative financial instruments24Syndicated loans placed24Compliance with Bank of Slovenias regulations24Infor

4、mation technology25Internal Audit26Human resources management27Management structure of NLB Bank28Organizational structure of NLB Bank30Supporting the community31Corporate governance32Shareholders Information34NLB Group at a glance35Economy and banking sector review38Audited consolidated financial st

5、atements for NLB Group under Slovenian Accounting Standards41Audited financial statements for NLB Bank under Slovenian Accounting Standards79Key figures of NLB Bank in accordance to Bank of Slovenia methodology117Audited consolidated financial statements for NLB Group under International Financial R

6、eporting Standards119Audited financial statements for NLB Bank under IFRS160Directory of NLB Group and NLB Bank Area Branches162Table of contentsGeografical structure of NLB Group(the Group)SloveniaNova Ljubljanska banka d.d.,Ljubljana(NLB Bank)The largest NLB Group member with 34%market share.Banka