Nova Ljubljanska Banka (NLB) 2012年年度报告「LSE」.pdf

1、Annual Report 2012Annual Report 2012NLB d.d.,Ljubljana,Trg republike 2,1520 Ljubljana,Slovenia,Tel:(01)476 3900,Fax:(01)252 2500,E-mail:infonlb.si,Internet:http:/www.nlb.si,SWIFT:LJBA SI 2X,Reuter:LB LJ,IBAN SI56,Account number:01000-000020097,VAT identification number:SI91132550Production:Mayer McC

2、ann d.o.o.,Desktop publishing:iga Hrek,Text:NLB d.d.,Photographs:Peter Uhan,Getty Images,Printed by:Tiskarna Petri,Slovenske Konjice,Edition:200,April 2013Annual report can be found on web site at http:/www.nlb.si.Copyright:NLB d.d.,Ljubljana,Slovenia201220112010NLBNLB GroupNLBNLB GroupNLBNLB GroupI

3、ncome statement indicators(in million EUR)Net interest income225343269417267436Net non-interest income318332157218152203Total costs224368239380248393Provisions and impairments614557466519377477Result before tax-296-258-278-267-206-227Minority interest-1-1-4Result after tax-305-274-233-239-183-202Fin

4、ancial position statement indicators(in million EUR)Total assets11,48714,33512,98016,44513,83017,888Loans to non-banking sector(net)7,8329,5538,46210,7499,20011,880Deposits from non-banking sector6,7699,1217,54910,1837,66410,387Equity1,0671,1259579769861,011Impairments of financial assets and provis

5、ions1,4242,0131,1631,7148081,277Minority interest-20-22-21Total off-balance sheet items4,7635,0837,2497,3369,1919,009Key financial indicatorsa)Capital-capital adequacy11.8%10.6%10.1%11.1%10.0%10.2%-tier 19.9%8.8%7.6%7.2%6.5%6.0%-core tier 19.9%8.8%6.3%6.3%5.4%5.2%b)Asset quality-coverage ratio of lo

6、ans(impairments for loans/total loans)15.6%16.7%10.4%12.6%7.6%9.0%-non-performing loans(NPL)/total loans26.0%28.2%17.9%21.3%10.5%14.5%c)Profitability-interest margin*1.8%2.2%2.0%2.4%1.8%2.3%-financial intermediation margin4.4%4.3%3.2%3.7%2.9%3.4%-return on equity before tax(ROE b.t.)-27.6%-23.1%-26.