Nova Ljubljanska Banka (NLB) 2004年年度报告「LSE」.pdf

1、ANNUAL REPORT 2004Annual report 2004NLB GroupANNUAL REPORT 2004 57 members in 16 countries,balance sheet of 10 billion euros,7,000 employees,more than 1.5 million customers,correspondent relationship network of 1,300 banks in 137 countries,15 banks,11 leasing companies,13 trade finance,3 insurance,2

2、 asset management,13 other activities.NLB Group today means:ANNUAL REPORT 2004Key financial highlights for NLB Group 20032004Income statement highlights(in billion tolars)Net interest income53.158.6Net non-interest income42.649.8Costs66.670.1Profit before tax16.619.2Minority interest2.31.2Net profit

3、 6.28.7Balance sheet highlights(in billion tolars)Total assets2,154.82,366.6Customer loans 1,035.51,248.0Customer deposits 1,286.61,389.7Total equity110.6117.2Minority interest22.820.8Key financial ratios(in%)Return on average equity before tax(ROE)12.514.2Return on average assets before tax(ROA)0.8

4、0.9Costs covered by net income(CIR)69.664.7Capital adequacy12.110.8Key highlights under IFRSProfit before tax(in billion tolars)20.022.0Net profit(in billion tolars)9.613.1Return on average equity before tax(ROE in%)12.612.1Return on average assets before tax(ROA in%)1.01.0Capital adequacy under BIS

5、(in%)15.215.6International ratings MoodysA2A2Capital IntelligenceA-A-FitchA-A-Exchange rate 1 EURO=SIT236.7239.7Key financial highlights ANNUAL REPORT 2004Key financial highlights for Nova Ljubljanska banka d.d.(NLB)20032004Income statement highlights(in billion tolars)Net interest income34.937.9Net

6、 non-interest income 31.838.0Costs46.747.9Profit before tax 11.013.8Net profit 5.56.9Balance sheet highlights(in billion tolars)Total assets1,717.31,864.8Customer loans 779.4900.4Customer deposits 1,091.91,153.5Total equity115.9121.1Key financial ratios(in%)Return on average equity before tax(ROE)9.