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

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ORGANIZATION JANUARY 1, 2003

Management Structure [1]

MANAGEMENT BOARD

Marko Voljč, President of the Management Board & Chief Executive Officer
Andrej Hazabent, Member of the Management Board
Matej Narat, Member of the Management Board
Borut Stanič, Member of the Management Board
Pierre Van Keirsbilck, Member of the Management Board

DEPUTY MEMBERS

Milan M. Cvikl, Chief Financial Officer, Deputy Member of the Management Board
Gašper Jože Filiplič, Senior Director, Corporate Banking I-Central Slovenia, Deputy Member of the Management Board
Dušan Gale, Chief Information Officer, Deputy Member of the Management Board
Tomaž Košir, Senior Director, Branch Network, Deputy Member of the Management Board
Milan Marinič, Secretary General, Deputy Member of the Management Board
Maksimiljan Janez Senčar, Senior Director, Deputy Member of the Management Board

CENTRE OF CREATING VALUE 1: TREASURY, INVESTMENT BANKING, ASSET MANAGEMENT AND GROUP INVESTMENTS

Branko Kobal, General Manager, Treasury
Marija Koritnik, General Manager, Capital Investments Management and Control
Miro Medvešek, General Manager, Investment Banking
Janez Saje, General Manager, Financial Markets Management

Andrej Bratož, General Manager, Area Branch Triest

CENTRE OF CREATING VALUE 2: RETAIL, SMALL AND MEDIUM ENTERPRISES AND ELECTRONIC BANKING

Marketing Management
Irena Čuk, General Manager, Marketing Management
Retail Banking
Marija Triplat, Deputy of Senior Director of Branch Network

Marija Abramovič, General Manager, Area Branch Kočevje
Vito Cigoj, General Manager, Area Branch Posavje-Krško
Lidija Dovšak, General Manager, Area Branch Savinjsko-Saleška
Jelka Fireder, General Manager, Area Branch Vič-Notranjska
Nevenka Gorjup, General Manager, Area Branch Nova Gorica
Milena Hribar, General Manager, Area Branch Šiška-Bežigrad
Marija Jazbec, General Manager, Area Branch Dolenjska in Bela krajina
Zorica Kerec, General Manager, Area Branch Pomurje
Lučana Krmac, General Manager, Area Branch Koper
Pavel Martinuč, General Manager, Area Branch Gorenjska
Borut Rataj, General Manager, Area Branch Podravje
Dragica Slatnar, General Manager, Area Branch Ljubljana-Center
Dušan Šuštar, General Manager, Area Branch Kamnik
Igor Žvokelj, General Manager, Area Branch Moste

CENTRE OF CREATING VALUE 3: CORPORATE BANKING

Corporate Banking I Central Slovenia
Marko Herzog, General Manager, State Organisations, Financial Institutions and Utilities
Tomaž Jezerc, General Manager, Telecommunications, Technology and End Products Industries
Bojan Slapnik, General Manager, Investment Evaluation
Matjaž Zaviršek, General Manager, Construction and Processing Industries

Corporate Banking Coordination of Regional Offices
Marjana Konštantin, Director of Coordination Office
Regional Centeres for Corporate Banking II
Franci Borsan, Director, Centre for Corporate Banking Regional Office II Dolenjska-Posavje
Dušan Mandič, Director, Centre for Corporate Banking Regional Office II Primorska
Viktor Šbul, Director, Centre for Corporate Banking Regional Office II Podravje-Pomurje
Boris Završnik, Director, Centre for Corporate Banking Regional Office II Savinjsko-Saleška

INTERNATIONAL BANKING, INFORMATION TECHNOLOGY AND OPERATIONS VALUE CENTRE

Information Technology
Ana Bandelj, General Manager, Retail Banking Administration
Mojca Čebulj, General Manager, Help Desk and New Technologies
Varja Dolenc, General Manager, Treasury and Investment Banking Support
Andreja Opec, General Manager, Corporate Banking Administration
Zvonko Sitar, General Manager, IT processing and Infrastructure
Aljoša Žonta, General Manager, Information System Development

International Banking and Operation Coordination Office
Maruša Dragonja Kosovinc, Director of Coordination Office

Helena Belingar, General Manager, Trade Finance Processing
Irena Dolinar, General Manager, Domestic payments
Gregor Kaiser, General Manager, Financial Institutions and International
Alenka Korče, General Manager, International payments
Branko Pahor, General Manager, Cash Services
Anton Ribnikar, General Manager, Legal Department

Company Secretary
Mojca Osolnik, General Manager, Office of the Management Board
Urban Smerkolj, General Manager, Technical Services and Deputy Company Secretary
Daša Zupan, General Manager, Human Resources

Compliance Office
Danijel Omahen, Chief Compliance Officer, Compliance Office

Internal Audit
Metka Turk, Chief Internal Auditor, Internal Audit

GOVERNANCE CENTRE

Strategic Management
Nevenka Črnko, Director, Strategic Management

Katarina Knapič, General Manager, Strategic Development
Alenka Sabadin, General Manager, Organisation and Human Resources Development

Franjo Štiblar, Chief Economist

Financial Management
David Buckley, General Manager, Management Accounting and Investor Relations
Vanja Jurjevič, General Manager, Financial Accounting
Polona Suhadolnik, General Manager, Accounts Administration and Payroll

Risk Management and Intensive Care & Recovery
Alojz Jamnik, Director, Risk Management and Intensive Care & Recovery

Pavle Kobler, General Manager, Intensive Care & Recovery
Josip Škoberne, General Manager, Risk Management

[1]  Alphabetical order considered, with an exception for Marko Voljč, President of the Management Board.

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