Nova Ljubljanska Banka (NLB) 2022年年度报告「LSE」.pdf

1、 Pictured:NLB employeesCreating better footprints.For today.NLB Group Annual Report 2022Report 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 Regulation(EU)2019/815 and paragraph

2、 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 assumptions and are continge

3、nt on a number of factors that will come into play in the future.Consequently,the actual situation may turn out to be different.2ContentsMB StatementSB StatementKey HighlightsStrategyRisk Factors&OutlookSustainabilityPerformance OverviewRisk ManagementEvents After 2022Financial ReportNLB Group at a

4、Glance.3Statement by the Management Board of NLB.4Statement by the Chairman of the Supervisory Board of NLB.7Key Members Overview .9Key Highlights.10Key Events .15Market Performance of NLBs Shares and GDRs.17The Macroeconomic Environment.19The Regulatory Environment.25BUSINESS REPORT.27Strategy.29Fu

5、nding Strategy and MREL Compliance.31Risk Factors and Outlook.32The Impact on Operations of the Russian invasion in Ukraine.36Sustainability.40Overview of Financial Performance.43Segment Analysis.64Retail Banking in Slovenia.65Corporate and Investment Banking in Slovenia.70Strategic Foreign Markets

6、.76Financial Markets in Slovenia.86Non-Core Members.90Risk Management.93IT and Cyber Security.102Human Resources.106Corporate Governance.110Compliance and Integrity.118Internal Audit.121Corporate Governance Statements.122Disclosure on Shares and Shareholders of NLB.143Events After the End of the 202