Nova Ljubljanska Banka (NLB) 2024年年度报告「LSE」.pdf

1、Here we are a part of something biggerNLB Group Annual Report 2024 NLB Group Annual Report 20242Overview MB StatementSB StatementKey HighlightsBusiness ReportStrategyRisk Factors&OutlookPerformance OverviewSegment AnalysisNLB Group Key MembersRisk ManagementSustainability StatementFinancial ReportRe

2、port format The Annual Report in PDF format represents its unofficial version.The Annual Report in European Single Electronic Format(ESEF)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 o

3、fficial version published on SEOnet.Forward-looking statements The expectations,forecasts and statements 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 s

4、ituation may turn out to be different.ContentsOVERVIEW .3NLB Group at a Glance.4Statement by the Management Board of NLB.5Statement by the Chairman of the Supervisory Board of NLB.8This is where our community thrives.10Key Highlights.12Key Events.16Shareholder Structure and Market Performance of NLB

5、s Shares and GDRs.20Macroeconomic Environment.23Regulatory Environment.28BUSINESS REPORT .31Strategy.32Funding Strategy,MREL Compliance,and Capital.34Risk Factors and Outlook.39Overview of Financial Performance.44Segment Analysis.67NLB Group Key Members.85Risk Management.96IT and Cyber Security.109H

6、uman Resources.113Corporate Governance.115Compliance and Integrity.125Internal Audit.128Corporate Governance Statements.129Disclosure on Shares and Shareholders of NLB.154Events after the End of the 2024 Financial Year.156Reconciliation of Financial Statements in Business and Financial Part of the R