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IN THE LAST YEARS THE GROUP HAS COMPLETED THE<br />
INTEGRATION PROCESS OF CEE BANKS AND IS READY TO<br />
FOCUS ON ORGANIC GROWTH…<br />
INTEGRATION PHASE COMPLETED<br />
Completion of all mergers<br />
between previous UniCredit<br />
and HVB/Bank Austria<br />
subsidiaries<br />
Introduction of UniCredit<br />
Brand throughout CEE (1)<br />
Reduction of IT Platforms in<br />
CEE as a basis for future<br />
synergies and common product<br />
developments<br />
Unification of CEE<br />
Governance Model<br />
FOCUS FOR NEXT YEARS<br />
High-Growth Countries: RU/TR/RO due to<br />
size<br />
high-growth rates and<br />
still low presence of UCG in some of these<br />
countries (e.g. Russia, Romania)<br />
Further consolidation of leadership in Poland<br />
Retail/Asset Gathering<br />
Large revenue potential and source of<br />
stable income ensuring sustainable<br />
growth<br />
Generation of liquidity for a stable<br />
funding base<br />
Consumer Finance<br />
Large revenue potential<br />
Strong demand in an environment of<br />
increasing financial wealth of households<br />
Supported by the liquidity generated by a<br />
focused strategy on retail/asset gathering<br />
23<br />
Note: (1) Excluding Poland where rebranding is expected to happen in 2009
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