Nova Ljubljanska Banka (NLB) 2010年年度报告「LSE」.pdf

1、Poslovno poroiloAnnual Report 2010Key financial data20092010NLBNLB GroupNLBNLB GroupIncome statement indicators(in million EUR)Net interest income249423267436Net non-interest income177215152203Total expenses253415248393Provisions and impairments196315377477Result before tax-23-86-206-227Minority int

2、erest-1-4Result after tax-24-87-183-202Financial position statement indicators(in million EUR)Total assets15,50919,60613,83017,888Loans to non-banking sector9,45712,3339,20011,880Deposits from non-banking sector 8,19110,7417,66410,387Equity1,1781,2189861,011Minority interest-26-21Key indicatorsRetur

3、n on equity after tax(ROE)-1.9%-6.8%-16.2%-17.5%Return on assets after tax(ROA)-0.1%-0.5%-1.2%-1.1%Cost/income ratio(CIR)59.4%65.0%59.3%61.5%Market share in terms of total assets30.0%-27.5%-Loan/deposit ratio(LTD)121.5%123.0%129.8%125.7%Capital adequacy ratio10.4%10.7%10.0%10.2%Tier 1 ratio7.5%6.9%6

4、.5%6.0%Key indicators per shareNumber of shares8,905,952-8,905,952-Nominal value(in EUR)8.3-8.3-Book value(in EUR)132.7137.3111.2114.1International credit ratings MoodysA1A3FitchA-A-1Statement by the President of the Management Board of NLB 2Report of the Supervisory Board of NLB 4Business ReportNLB

5、 Group 8Introduction 10Key events 19Strategy 20Performance Analysis 22Macroeconomic environment 24Financial review of operations 28Risk management 35Liquidity and funding 41Retail banking 44SMEs and corporate banking 47Financial markets 50Information technology 54More Than Just a Bank 56NLB corporat

6、e governance 58Internal audit 65Social responsibility 67Financial Statements 72Contents2Dear shareholders,business partners and employees,NLB faced one of the most difficult years in its history in 2010.The Bank was hit hard,as the leadingbanking and financial institution in Slovenia,by the extraord