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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