Nova Ljubljanska Banka (NLB) 2011年年度报告「LSE」.pdf

1、Annual Report 2011201120102009NLBNLB GroupNLBNLB GroupNLBNLB GroupIncome statement indicators(in million EUR)Net interest income269417267436249423Net non-interest income159219152203177218Total costs239380248393253418Provisions and impairments467520377477196315Result before tax-278-267-206-227-23-86M

2、inority interest-1-4-1Result after tax-233-239-183-202-24-87Financial position statement indicators(in million EUR)Total assets12,98016,44513,83017,88815,50919,606Loans to non-banking sector(net)8,46210,7499,20011,8809,45712,333Deposits from non-banking sector7,56210,1967,66410,3878,19110,741Equity9

3、579769861,0111,1781,218Impairments of financial assets and provisions-1,053-1,565-745-1,175-495-879Minority interest-22-21-26Total off-balance sheet items7,2967,3739,1919,0099,4119,209Key financial indicatorsa)Capital-capital adequacy10.1%11.1%10.0%10.2%10.4%10.7%-Tier 17.6%7.2%6.5%6.0%7.5%6.9%-core

4、 Tier 16.3%6.3%5.4%5.2%6.5%6.1%b)Asset quality-coverage ratio of loans(impairments for loans/total loans)10.6%12.3%7.2%8.8%4.5%6.2%-non-performing loans(NPL)/total loans17.9%21.3%10.1%14.5%4.5%9.0%c)Profitability-interest margin*2.0%2.4%1.8%2.3%1.7%2.4%-financial intermediation margin3.2%3.7%2.9%3.4

5、%3.1%3.3%-return on equity before tax(ROE b.t.)-26.4%-24.2%-18.4%-19.3%-1.9%-6.6%-return on assets before tax(ROA b.t.)-2.0%-1.5%-1.4%-1.2%-0.2%-0.4%-return on equity after tax(ROE a.t.)-22.2%-22.2%-16.4%-17.5%-1.9%-6.8%-return on assets after tax(ROA a.t.)-1.7%-1.4%-1.2%-1.1%-0.2%-0.5%d)Business co

6、sts-operating costs/average total assets1.7%2.2%1.7%2.1%1.7%2.2%-costs/net income(CIR)55.8%59.7%59.3%61.5%59.4%65.2%e)Liquidity-liquidity assets/short-term financial liabilities to non-banking sector59.8%59.0%61.4%60.5%54.7%46.1%-liquidity assets/average total assets28.9%30.1%27.7%29.3%26.5%23.1%f)O