Nova Ljubljanska Banka (NLB) 2019年年度报告「LSE」.pdf

1、MOBILE BANKERSPROFESSIONAL FLEXIBILITYEXCELLENCEREGIONAL PROJECTSEASY UP TO DATEKNOWLEDGEFLEXIBILITYBEST SERVICEREGIONAL PROJECTSB2BPURCHASE OF RECEIVABLESFINANCIAL ADVICEFINANCIAL LITERACY MOBILE BANKSPONSORSHIPECOLOGYGROWTHGOOD DEEDSNLB KLIKNLB KLIKGROWTHECOLOGYPROFESSIONALFINANCIAL LITERACY TRUST

2、B2BEASYBANK GUARANTEEMOBILE WALLET NLB PAY5.800+EMPLOYEESDONATIONS DIGITALMENTORSHIPB2BB2CBEST SERVICEREGIONAL PROJECTSNLB TELEDOMDIGITAL SERVICESWIN-WINTRUST24/7ACCESSIBILITYREGIONAL PROJECTSPRIVATE BANKINGPURCHASE OF RECEIVABLESBANK GUARANTEEMOBILE WALLET NLB PAYKNOWLEDGEACCESSIBILITYCONSULTINGSTA

3、BILITYFLEXIBILITYDIGITAL SERVICESUP TO DATEMOBILE WALLET NLB PAYNLB TELEDOMKLIKINSARAJEVOBANK GUARANTEEPURCHASE OF RECEIVABLESR&DB2BGROWTHDIGITAL SERVICESSECURITYHEALTHFLEXIBILITYTRUSTSECURITY24/7B2BR&DWIN-WINPODGORICASECURITYBANJA LUKALJUBLJANA QUALITYBELGRADEPRISHTINA24/7327 BRANCHESREGIONAL PROJE

4、CTSBANK GUARANTEETRUSTKLIKINEASYCAREWIN-WINAnnual Report2019Locally&RegionallyKLIKINSKOPJEAnnual Report 2019Locally&RegionallyNLB Group Annual Report 2019Contents Strategic Members Overview 7Key Highlights 8Macroeconomic Environment 18Business Report 23Statement by the Management Board of NLB 24Stat

5、ement by the Supervisory Board of NLB 28Strategy 32Overview of Financial Performance 36Regulatory Environment 52Segment Analysis 55Retail Banking in Slovenia 56Corporate and Investment Banking in Slovenia 62Strategic Foreign Markets 67Financial Markets 88Non-Core Members 92Processing Operations and

6、IT 94Risk Management 98Human Resources 104Corporate Governance 108Compliance and Integrity 130Internal Audit 133Corporate Governance Statements 135Disclosure on Shares and Shareholders of NLB 160Corporate and Social Responsibility 164Events After the End of the 2019 Financial Year 166Audited Finacia