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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DIRECTORY


FOREIGN BRANCH AND FOREIGN REPRESENTATIVE OFFICES OF NOVA LJUBLJANSKA BANKA



Foreign Branch

Nova Ljubljanska banka d.d.
Area Branch Triest
Piazza Oberdan, 4
34133 Triest
Italy
Telephone: +39 040 672 8711
Telefax: +39 040 672 8799
Andrej Bratož, General Manager


Foreign Representative Offices

Nova Ljubljanska banka d.d.
Belgrade Representative Office
U. Makedonska 12
11000 Beograd
FR Yugoslavia
Telephone: +381 11 322 2225
Telefax: +381 11 324 4565
Jože Škulj, Director

Nova Ljubljanska banka d.d.
London Representative Office
65/66 Queen Street
London EC4R 1EB
U. K.
Telephone: +44 (0)20 7 329 2828
Telefax: +44 (0)20 7 489 0166
Doroteja Žerjal, SVP
& Resident Representative

Nova Ljubljanska banka d.d.
Moscow Representative Office
Mapi Poryvaevoj 7
Office 608
107078 Moscow
Russia
Telephone: +7095 975 2191, 232 0066
Telefax: +7095 956 3196
Ernest Žvar, Director

Nova Ljubljanska banka d.d.
New York Representative Office
19 West 44th Street,
Unit # 801
New York, N.Y. 10036
USA
Telephone: +1 212 730 8727
Telefax: +1 212 730 8728
Andrew Bastone, SVP
& Resident Representative

Nova Ljubljanska banka d.d.
Prague Representative Office
Palac Blanic, Vaclavske namesti 56
11326 Prague 1
Czech Republic
Telephone: +42 02 24 032 870
Telefax: +42 02 24 032 874
Štefan Loncnar, Resident Representative

Nova Ljubljanska banka d.d.
Representative Office Warsaw
Ul. Chmielna 85/87
00-804 Warszawa
Poland
Telephone: +48 22 581 1110, 581 1111
Telefax: +48 22 581 1131
Miroslav Zemljič, Director

SUBSIDIARIES & ASSOCIATED BANKS AND COMPANIES IN SLOVENIA

Subsidiary Banks:

Banka Domžale d.d., Domžale
Ljubljanska cesta 62, 1230 Domžale
Telephone: +386 1 724 5300
Telefax: +386 1 721 6821
Andrej Flis, President

Banka Zasavje d.d., Trbovlje
Trg revolucije 25 c, 1420 Trbovlje
Telephone: +386 3 562 6233
Telefax: +386 3 562 6193
Zdenko Fritz, President

Koropka banka d.d., Slovenj Gradec
Glavni trg 30, 2380 Slovenj Gradec
Telephone: +386 2 884 9111
Telefax: +386 2 884 2382
Božo Štor, President

Associated Bank:

Banka Celje d.d., Celje
Vodnikova 2, 3000 Celje
Telephone: +386 3 543 1000
Telefax: +386 3 548 3510
Niko Kač, President

Subsidiary Companies:

LB Hipo d.o.o., Ljubljana
Trg republike 3/XVI., 1520 Ljubljana
Telephone: +386 1 251 2212
Telefax: +386 1 252 2827
Jože Zagorc, General Manager

Prospera plus d.o.o., Ljubljana
Šmartinska 132, 1520 Ljubljana
Telephone: +386 1 544 8291
Telefax: +386 1 524 7611
Jelena Bukovec, General Manager

Real d.o.o., Novo mesto
Kočevarjeva ulica 2, 8000 Novo mesto
Telephone: +386 7 373 1641
Telefax: +386 7 373 1650
Mojca Dulc, General Manager

Bankart d.o.o., Ljubljana
Celovpka 150, 1001 Ljubljana
Telephone: +386 1 583 4202
Telefax: +386 1 583 4405
Aleksander Kurtevski, Managing Director

Associated Company:

Skupna pokojninska družba d.d., Ljubljana
Trg republike 3, 1000 Ljubljana
Telephone: +386 1 470 0840
Telefax: +386 1 470 0853
Aljopa Urpič, President

Subsidiary Financial Institutions:

Feniks d.o.o., Murska Sobota
Ulica Štefana Kovača 12, 9000 Murska Sobota
Telephone: +386 2 515 4180
Telefax: +386 2 515 4382
Štefan Ščap, General Manager

LB Factors d.d., Ljubljana
Slovenska cesta 17, 1000 Ljubljana
Telephone: +386 1 200 5417
Telefax: +386 1 200 5420
Bojan Šuptar, General Manager

LB Leasing d.o.o., Ljubljana
Šmartinska c. 130, 1520 Ljubljana
Telephone: +386 1 586 2910
Telefax: +386 1 586 2940
Dalibor Salobir, Managing Director

Fit Leasing d.o.o., Velenje
Rudarska 3, 3320 Velenje
Telephone: +386 3 899 5200
Telefax: +386 3 587 6600
Marija Zimpek, General Manager

LB Maksima d.o.o., Ljubljana
Trg republike 3/VII., 1000 Ljubljana
Telephone: +386 1 200 4710
Telefax: +386 1 200 4730
Miroslav Golubič, General Manager

SUBSIDIARIES & ASSOCIATED BANKS AND COMPANIES ABROAD

Subsidiary Banks:

LHB Internationale Handelsbank AG,
60014 Frankfurt/Main
Grosse Gallusstrasse 16
60311 Frankfurt/Main
Germany
Telephone: +49 69 21 060
Telefax: +49 69 210 6201
Vlado Jurak, President

Commercebank d.d., Sarajevo
Džidžikovac 1
71000 Sarajevo
Bosnia and Herzegovina
Telephone: +387 33 204 119
Telefax: +387 33 445 664
Midhat Mulič, Managing Director & CEO

Tutunska banka a.d., Skopje
Ul. 12. Udarne brigade bb
P.O. Box 702
91000 Skopje
Macedonia
Telephone: +389 2 223 955
Telefax: +389 2 231 114
Gjorgji Jancevski, General Manager

Subsidiary Companies:

LB InterFinanz AG, Zurich
Beethovenstrasse 48
8002 Zurich
Switzerland
Telephone: +41 1 281 1383
Telefax: +41 1 281 1390
Gorazd Jančar, Managing Director

LB Factoring CZ a.s., Ostrava
Gorkeho 2
70200 Ostrava - Moravska Ostrava
Czech Republic
Telephone: +420 59 6156 222
Telefax: +420 59 6156 555
Štefan Loncnar, President

Associated Bank:

Adria Bank AG, Vienna
P.O. Box 645
Tegetthoffstrasse 1
A-1011 Vienna
Austria
Telephone: +43 1 514 09
Telefax: +43 1 514 0943
Jurij Detiček, President



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