Strategy To put our customers, their wishes and needs at the centre of our activities; to maintain our leading position in Slovenia; to become the leading financial group in Central and SE Europe and to continue introducing new services to the Slovenian market. The key goal for the next medium-term is to ensure a balance between profitability, cost efficiency and maintaining the market position in Slovenia. NLB Group's financial goals: ROE before tax: 17 - 19% CIR: 60 - 62% Main internal challenges of NLB Group Continue improving corporate governance Reengineer business processes in retail and corporate segments of operations Main external challenges Slovenia: Intensive Competition Converging interest rates Introduction of the euro Basel II SE Europe: Low level of economic development Political risk