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Strategy and Results Summary of Results Corporate & Investment Banking division (CIB) This division comprises three global product lines – Markets, Financing & Advisory, and Global Transaction Banking – that act as providers of innovative, specialised products 2011: pre-tax profit down year-on-year due to difficult capital market environment Net write-downs of loans reduced again Family & SME division (F&SME) New Family & SME division (F&SME) serves business customers with annual revenues of up to €50 million and retail customers with assets of up to €500,000 2011: profit before tax up almost 30% year-on-year Net write-downs of loans reduced by more than 60% 14 2011 Annual Report · HypoVereinsbank Private Banking division (PB) Demand-compliant relationship management for wealthy customers complete with personal advice 2011: profit before tax below year-ago level due to higher expenses for provisions Operating profit and net write-downs of loans at around the 2010 level A detailed presentation of the results can be found together with comments in the segment report section of the notes to the consolidated financial statements. Divisional highlights (€ millions) corporate & investment banking famiLy & sme private banking other/ consoLidation operating income 2011 3,359 1,829 262 362 2010 operating costs 3,893 1,756 265 644 2011 (1,561) (1,603) (160) (287) 2010 net write-downs of loans and provisions for guarantees and commitments (1,526) (1,553) (162) (192) 2011 (316) (30) (1) 81 2010 net operating profit (503) (82) (2) (45) 2011 1,482 196 101 156 2010 profit before taX 1,864 121 101 407 2011 1,226 147 72 170 2010 1,384 114 82 302
Employees 1 by division facilities in germany 69 38 6 33 28 18 25 10 35 Family & SME 43% Group Corporate Centre 21% Corporate & Investment Banking 20% Global Banking Services 12% Private Banking 4% 1 total of 19,442 employees, calculated as full-time equivalents (FTEs) HypoVereinsbank · 2011 Annual Report 15 9 13 9 11 16 11 516
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Celebrating with three million youn
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Notes to the Income Statement 146 3
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Consolidated statement of total com
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Liabilities 2011 2010 change notes
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change in vaLuation of financiaL in
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(€ millions) 2011 2010 cash and c
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- Hypo-Bank Verwaltungszentrum GmbH
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This fundamentally gives rise to an
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In 2011, the following companies an
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7 Financial instruments A financial
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Determination of fair value We can
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We show the associated hedging inst
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11 Shares in associated companies a
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Equity instruments valued at cost a
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17 Investment property Compliant wi
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Up until now, the discount rate was
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The income of €6 million (2010:
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The strategic decision taken in the
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28 Income statement broken down by
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Income statement of the Family & SM
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Income statement of the Other/conso
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31 Segment reporting by region The
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Net fees and commissions from relat
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In 2010, the Bank modified its comp
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The following information regarding
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Employee share ownership plan An em
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The gain of €26.7 million (2010:
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Deferred taxes are normally measure
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87% of the promissory notes was iss
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The following tables show the main
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The figures stated for loans and re
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(€ millions) 2011 2010 Loans and
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Development of property, plant and
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57 Intangible assets (€ millions)
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59 Other assets Other assets includ
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62 Deposits from customers (€ mil
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In the case of defined contribution
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The following table shows an analys
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Defined contribution plans HVB Grou
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Subordinated liabilities The borrow
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Other Information 73 Information re
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Finance leases The finance leases e
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Positions retained from own securit
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Positions retained from own securit
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Positions held by fully consolidate
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Assets and liabilities whose valuat
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The following tables show the devel
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77 Fair values of financial instrum
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78 Undiscounted cash flow Compliant
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The following table shows equity fu
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At 31 December 2011, the key capita
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82 Trust business Trust assets (€
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Like other affiliated companies, HV
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The following table shows the break
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88 Offices Offices, broken down by
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name registered office totaL share
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name registered office 6 Fully cons
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Notes and comments to the list of h
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Munich, 15 March 2012 Buschbeck Dan
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Auditors’ Report We have audited
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Corporate Governance List of Execut
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NAME OCCUpATiON plACE OF RESiDENCE
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Corporate Governance Women’s Coun
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Also at the March meeting, the CRO
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Corporate governance In 2011, the S
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eports of the Internal Audit on the
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At the beginning of 2011, there wer
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Supervisory Board The task of the S
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Supervisory Board regarding the Sup
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Shareholders, General Meeting of Sh
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Compensation Report The first part
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1.6 Pension commitments Besides dir
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the compensation stated, the deputy
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Additional Information Financial Ca
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Summary of Quarterly Financial Data
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HVB Group 1 2011 2010 2009 2008 200
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Annex UniCredit Profile Highlights
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BRANCHES BY COUNTRY 2 Italy Germany
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Central and eastern europe UniCredi
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The UniCredit Strategic Plan Clear
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The paper used for this report has
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