Nova Ljubljanska Banka (NLB) 2009年年度报告「LSE」.pdf

1、NLB SkupinaLetno poroilo 2008Poslovno poroilo1Annual Report200920082009NLBNLB GroupNLBNLB GroupIncome statement indicators(in million)Net interest income286476249423Net non-interest income159189177218Total expenses262423253418Provisions and impairments127211196316Profit before tax 5638-23-86Minority

2、 interest-2-1Profit after tax4921-24-87Balance sheet indicators(in million)Total assets14,47718,91815,50919,606Loans to non-banking sector9,71912,9179,45712,333Deposits of non-banking sector 7,0719,4658,19110,741Equity1,1981,2751,1781,218Minority interest-62-26Key indicatorsReturn on equity before t

3、ax(ROE)5.3%3.1%-1.9%-6.6%Return on assets before tax(ROA)0.4%0.2%-0.2%-0.4%Cost/income ratio(CIR)58.9%63.7%59.4%65.2%Market share in terms of total assets30.2%-29.8%-Loan-to-deposit ratio(LTD)of non-banking sector143%143%122%123%Capital adequacy11.9%11.8%10.4%10.7%Tier 1 ratio10.5%7.9%9.9%7.2%Key in

4、dicators per shareNumber of shares8,905,952-8,905,952-Nominal value(in)8.3-8.3-Book value(in)135.0143.7132.7137.3Earnings per share(EPS)(in)5.92.4-International credit ratings MoodysAa3A1FitchA-A-Key Financial Data1Statement by the President of the Management Board of NLB 2Report of the Supervisory

5、Board of NLB 4Business Report NLB Group 8Introduction 10Strategy 18Key Events 19Performance Analysis 20Macroeconomic Environment 22Financial Review of Business Performance 25Risk Management 30Information Technology 34Retail Banking 36SMEs and Corporate Banking 38Financial Markets 41More Than Just a

6、Bank 44NLB Corporate Governance 46Internal Audit 55Social Responsibility 57Contents2Dear NLB business partners,shareholders,and employees,In 2009,NLB Group operations were characterized by difficult and changing conditions in the immediateand extended business environment and by an exacerbated finan