Nova Ljubljanska Banka (NLB) 2023年年度报告「LSE」.pdf

1、NLB Group Annual Report 2023Building on advantages of our home court2NLB Group Annual Report 2023 Overview MB StatementSB StatementKey HighlightsBusiness ReportStrategyRisk Factors&OutlookSustainabilityPerformance OverviewSegment AnalysisRisk ManagementFinancial ReportFinancial ReportContentsContent

2、sOVERVIEW .3NLB Group at a Glance.4Statement by the Management Board of NLB .6Statement by the Chairman of the Supervisory Board of NLB.8Key Highlights .11Key Events .15Shareholder Structure and Market Performance of NLBs Shares and GDRs.17Macroeconomic Environment .20Regulatory Environment .27BUSIN

3、ESS REPORT.29Strategy.30Funding Strategy,Capital,and MREL Compliance .32Risk Factors and Outlook.38Sustainability .43Overview of Financial Performance .46Segment Analysis .66Risk Management.94IT and Cyber Security .108Human Resources.110Corporate Governance.113Compliance and Integrity .123Internal A

4、udit .126Corporate Governance Statements .128Disclosure on Shares and Shareholders of NLB.156Events After the End of the 2023 Financial Year .158Reconciliation of Financial Statements in Business and Financial Part of the Report .159Alternative Performance Indicators .162NLB Group Chart.181Organisat

5、ional Structure of NLB.182FINANCIAL REPORT.183NLB Group Directory .368Definitions and Glossary of Selected Terms .371Report 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 Regulat

6、ion(EU)2019/815 and paragraph one of Article 134 of the Market in Financial Instruments Act(ZTFI-1)and represents its official version published on SEOnet.Forward-looking statements The expectations,forecasts and statements regarding future developments that are contained in this report are based on