Profile of NLB Group and NLB

NLB Group and NLB financial highlights

Supervisory Board Members

Chairman's statement

Statement of the President and Chief Executive Officer

Financial Review of NLB Group and NLB in 2002

NLB Group and NLB risk management

Business Report

Human Resources Management

Organization

Economic environment

Audited Consolidated Financial Statements for NLB Group under Slovenian Accounting Standards

Financial data and figures of NLB according to Bank of Slovenia Methodology

Audited Financial Statements for NLB d.d. under Slovenian Accounting Standards

Audited Consolidated Financial Statements for the NLB Group according to International Financial Reporting Standards

Audited Financial Statements for the NLB d.d. according to International Financial Reporting Standards

Directory

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SUPERVISORY BOARD MEMBERS


Chairman

mag. Anton Žunič
State Secretary
Ministry of Finance of the Republic of Slovenia, Ljubljana

Vice Chairman

Uroš Slavinec
President of the Management Board
Helios d.d., Domžale

Members

Herman Agneessens
Managing Director
KBC Bank & Insurance Holding Company N.V., Brussels

Frans Florquin
Managing Director
KBC Bank & Insurance Holding Company N.V., Brussels

Zvone Ivanušič
Advisor to the Management Board
Pozavarovalnica Sava d.d., Insurance Company, Ljubljana

mag. Igor Kušar
General Manager
Restitution Fund, Ljubljana

mag. Jože Lenič
President of the Management Board
Capital Fund, Ljubljana

Dirk Mampaey
Assistant General Manager Strategy and Expansion
KBC Bank N.V., Brussels

Victor Pastor
Director, Bank Equity & Financial Institutions
EBRD Bank, United Kingdom

doc. dr. Metka Tekavčič
Professor - Senior University Teacher
Faculty of Economics, University of Ljubljana

David Michael Truman
General Manager
K & H Life Assurance Co. Ltd., Hungary

Zvonko Ivanušič, Jože Lenič, Igor Kušar, Uroš Slavinec in Metka Tekavčič were appointed on June, 27, 2001.
Representatives of KBC, EBRD and the Chairman Anton Žunič began their mandate on September 6, 2002. All Supervisory Board members conclude their mandate within a
four-year period.



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