Nova Ljubljanska Banka (NLB) 2008年年度报告「LSE」.pdf

1、Annual Report200820072008NLBNLB GroupNLBNLB GroupIncome statement indicators(in million)Net interest income268429286476Net non-interest income197254159189Total expenses 260412262423Profit before tax1481835638Minority interest-8-2Profit after tax1181314921Balance sheet indicators(in million)Total ass

2、ets13,91818,30814,47718,918Loans to non-banking sector8,92711,9439,71912,917Deposits of non-banking sector7,0759,1697,0719,465Equity8971,0411,1981,275Minority interest-82-62Key indicatorsReturn on equity before tax(ROE)18.8%17.8%5.3%3.1%Return on assets before tax(ROA)1.2%1.1%0.4%0.2%Cost/income rat

3、io55.9%60.3%58.9%63.7%Market share in terms of total assets33.0%-30.5%-Capital adequacy11.6%10.8%11.9%11.8%Key indicators per shareNumber of shares8,007,748-8,905,952-Nominal value(in)8.3-8.3-Book value(in)106.8130.6135.0143.7Earnings per share(EPS)(in)15.417.15.92.4International credit ratingsMoody

4、sAa3Aa3Capital IntelligenceA+A+FitchA-A-Key Financial Data?Illustration 1:Return on Equity before Tax(ROE)Illustration 2:Cost/Income Ratio1Statement by the President of the Management Board of NLB 2Statement by the Chairman of the Supervisory Board of NLB 4Business Report NLB Group 8Introduction 10S

5、trategy 18Key Events 19Performance Analysis 20Macroeconomic Environment 22The Financial Crisis and Its Effect on Business Operations 25Financial Review of Business Performance 27Risk Management 32Information Technology 36Retail Banking38SMEs and Corporate Banking 40Financial Markets 43More Than Just

6、 a Bank 46NLB Corporate Governance 48Internal Audit 55Social Responsibility 57Financial StatementsNLB Group 64NLB 140Contents2Dear NLB business partners,shareholders,and employees,NLB,Slovenias largest international financial group,performed very well in 2008.The results achievedagain confirm NLBs k