Introduction of NLB Group and NLB Bank
		NLB Group and NLB Bank financial highlights
		Statement of the President and CEO
		Statement of the Chairman of the Supervisory Board
		Strategy of NLB Group 2004 to 2006
		Financial review of NLB Group and NLB Bank in 2003
		Risk management
		Retail banking business
		Corporate banking business
		Financial markets
		Information technology
		Internal Audit
		Human resources management
		Supporting the community
		Corporate governance
		NLB Group at a glance
		Economy and banking sector review
		Audited consolidated financial statements for NLB Group under Slovenian Accounting Standards
		Audited financial statements for NLB Bank under Slovenian Accounting Standards
		Audited consolidated financial statements for NLB Group under International Financial Reporting Standards
		Audited financial statements for NLB Bank under IFRS
		Directory of NLB Group and NLB Bank Area Branches