Strategy

NLB’s strategic objectives are based on the assumption that it is an independent banking group, which builds its business model itself and ensures the necessary strategic resources for its growth and development.

NLB is a full-service banking group operating in southeastern Europe.

NLB’s strategic objective is to be one of the leading providers of banking services in each of the SE European countries where NLB has retail operations.

Slovenia, which is NLB’s home market and where the NLB Group generates most of its revenue, also is its strategic key market. NLB’s strategic objective on this market is to maintain its market share.

Furthermore, NLB’s strategic market includes SE Europe, where it is active on the retail banking market, and includes the following countries: Serbia, Macedonia, Bosnia-Herzegovina, Montenegro, and Kosovo. NLB’s strategic goal for those markets on which it already has retail operations is to be among the leading providers.

NLB provides comprehensive banking and financial services.

NLB is a full-service banking group that, in addition to its basic banking services, also offers comprehensive financial services to fulfill all its clients’ financial needs.

The key strategic pillars consist of:

Retail banking, which includes:
– Commercial banking,
– Leasing of movable property¹,
– Asset management,
– Life and pension insurance,
– Private banking.

Corporate banking, which includes:
– Commercial banking,
– Corporate finance,
– Brokerage on capital markets according to its clients’ needs,
– Trade finance,
– Leasing of movable property.

¹ The leasing products are also intended for companies.

NLB Group
Annual Report 2009