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We UniCredit people are committed to generating value for our customers. As a leading European bank, we are dedicated to the development of the communities in which we live, and to being a great place to work. We aim for excellence and we consistently strive to be easy to deal with. These commitments will allow us to create sustainable value for our shareholders.
Times change, but commitments do not. We emerged from 2009 with a renewed sense of purpose and direction. What was important to us before is even more important today. Namely, our customers. Accordingly, we developed a new mission statement in 2009 to reinforce those principles and practices that we believe to be drivers of greater customer centricity. Emphasized in this mission is the desire to make banking as easy as possible for our customers by offering the kind of simple, straightforward solutions that can assist them in achieving their financial goals reliably and efficiently. This is what we call “real-life banking”. It means providing our clients with more than just financial services by giving them the right support at the right time and in the right way. It is about looking our customers in the eye, working closely with them to assess their real-life needs, and then using our expertise to deliver effective solutions through smooth and easy interactions. We believe that our rigorous dedication to simplicity and transparency will continue to advance excellence in all that we do. It will also maintain and grow the trust of our customers - a trust that is exemplified in the following pages. This year’s report features photographs and personal stories from UniCredit Group customers across Europe, highlighting the concrete role that our company has played in their lives. Each of these individuals, who represent the foundation upon which we are structuring our shared future, has told us about a time we made their life easier. 2009 Consolidated Reports and Accounts
Page 1: 2009 Consolidated Reports and Accou
Page 5 and 6: Contents Introduction 5 Board of Di
Page 7 and 8: Introduction Board of Directors and
Page 9 and 10: Board of Directors and Board of Sta
Page 11 and 12: egion. Both countries, as others in
Page 13 and 14: REVENUES BY REGION 4 (%) 24.4 7.7 1
Page 15 and 16: CENTRAL AND EASTERN EUROPE UniCredi
Page 17 and 18: Today’s UniCredit Group is a youn
Page 19 and 20: Strategy and Results CEO’s Letter
Page 21 and 22: to be one of the most important ban
Page 23 and 24: Note to the Report on Operations an
Page 25 and 26: Consolidation Area In 2009 there we
Page 27 and 28: Report on Operations Notes The foll
Page 29 and 30: Profitability Ratios 2009 2008 CHAN
Page 31 and 32: Income Statement Consolidated Incom
Page 33 and 34: Income Statement Consolidated Incom
Page 35 and 36: Segment Reporting (Summary) Key fig
Page 37 and 38: UniCredit Share Share information 2
Page 39 and 40: “Quantitative Easing” policy by
Page 41 and 42: Main Results and Performance for th
Page 43 and 44: Operating profit by business segmen
Page 45 and 46: Operating Costs 2009 operating cost
Page 47 and 48: Net Impairment Losses on Loans and
Page 49 and 50: Capital and Value Management Princi
Page 51 and 52: Results by Business Segment The 200
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Financial performance The figures f
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ond issue of UniCredit Family Finan
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Retail Network Germany UniCredit Ba
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anches with disbursements amounting
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Corporate & Investment Banking (CIB
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fee contribution was weak since it
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from analyzing cash and payment flo
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The new organizational model is bei
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Net of extraordinary items 1 , the
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Private Banking Italy reported arou
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Asset Management Introduction AT A
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Breakdown by business, geographic a
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CEE and Poland’s Markets / Centra
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The market-driven relative slowdown
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Despite a challenging year in 2009,
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eached RON 335mn (€78mn), less th
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Poland’s Markets Introduction AT
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global financial crisis, Corporate
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The direct costs of SBA show a redu
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Workout Services This department pr
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With regard to developments in the
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Global ICT Company The project was
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Reorganization of the Austrian Priv
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Outside Italy BodeHewitt AG & Co. K
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Capital Strengthening In the early
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Subsequent Events and Outlook Subse
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Christian Hagn, Hagn & Dr. Ruebesam
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Corporate Governance Governance org
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Corporate Governance Management Com
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Corporate Governance Group Manageme
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Consolidated Financial Statements C
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Consolidated Accounts RELASEMESTRAL
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Consolidated Balance Sheet RELASEME
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RELASEMESTRALE CONSOLIDATA 125 >> C
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Consolidated Financial Statements C
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RELASEMESTRALE CONSOLIDATA 129 >> C
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131 >> Consolidated Financial State
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133 Part A - Accounting Policies >>
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135 >> Financial Statements Part A
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Section 3 - Consolidation Procedure
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NAME MAIN OFFICE 147 >> Financial S
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Changes in the scope of consolidati
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Reductions Disposals 165 >> Financi
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Section 4 - Subsequent Events 167 >
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As at 31 December 2009 the IASB had
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6 - Hedge Accounting Derivative hed
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7 - Equity Investments 179 >> Finan
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9 - Intangible Assets 181 >> Financ
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13 - Liabilities, Securities in Iss
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Relevant IFRS definitions 193 >> Fi
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Financial Assets Held for Trading 2
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Section 6 - Loans and receivables w
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Section 12 - Property, plant and eq
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13.3 Other information Information
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15.2 Other informazion There is no
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Section 3 - Debt securities in issu
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Section 8 - Tax liabilities - Item
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Section 13 - Insurance reserves - I
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Section 16 - Minorities - Item 210
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4. Breakdown of investments relatin
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Part C) Consolidated Income Stateme
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Section 12 - Provisions - Item 190
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Section 16 - Profit (loss) of assoc
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values proving inconsistent with cu
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Section 1 - Credit Risk Qualitative
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A.1.6 Banking group - On- and off-b
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C. Securitisation and sale transact
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ORIGINATOR: UniCredit S.p.A. (ex Ca
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ORIGINATOR: UniCredit S.p.A. (ex Ca
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331 ORIGINATOR: UniCredit Leasing S
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333 Transactions previous periods N
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ORIGINATOR: Fineco Leasing S.p.A. T
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ORIGINATOR: UNICREDIT BANK AG (ex H
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339 ORIGINATOR: UNICREDIT BANK AG (
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341 ORIGINATOR: UNICREDIT BANK AG (
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Quantitative Information 347 >> Con
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C.1.7 Banking Group - Servicer acti
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C.2 Sales Transactions C.2.1 Bankin
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Securitized assets broken down by a
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1.3 Other non-consolidated SPVs 377
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Loans and guarantees 379 >> Consoli
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1.4 Reclassification of Structured
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The following table gives the amoun
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BA AG 393 60,000,000 50,000,000 40,
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Quantitative information 395 >> Con
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2.6 Derivative instruments A. Finan
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A.9 OTC financial derivatives - res
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Credit Spread Sensitivity 409 >> Co
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€ million Scenario Total US Reces
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The standard measures taken for suc
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Section 4 - Operational Risk Qualit
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Special Representative 427 >> Conso
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International Industrial Participat
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Valauret S.A. 433 >> Consolidated F
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RELEVANT EVENTS OCCURRING AFTER 12/
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Quantitative Information 443 >> Con
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Internal Capital Adequacy Assessmen
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Reputational Risk 447 >> Consolidat
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B. Quantitative information Regulat
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459 Part G - Business Combinations
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2. Related-Party Transactions 465 >
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469 Part I - Share-Based Payments >
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1.2 Measurement model 1.2.1 Stock O
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Other UniCredit equity instruments:
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Financial statement presentation re
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477 Part L - Segment Reporting >> C
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Asset Management 479 >> Consolidate
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Segment Reporting by Business Segme
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485 Annexes Annex 1 Reconciliation
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Consolidated Balance Sheet (Continu
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Consolidated Income Statement (Cont
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Annex 3 - Statement of significant
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Annex 3 BA-CA ANDANTE LEASING GMBH
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BC EUROPEAN CAPITAL VII-12 L.P. LON
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Annex 3 CA-LEASING TERRA POSLOVANJE
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Annex 3 DAB BANK AG MUNICH GERMANY
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Annex 3 FONTANA HOTELVERWALTUNGSGES
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Annex 3 HVB - LEASING PLUTO KFT BUD
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Annex 3 HVB-LEASING HAMLET BUDAPEST
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Annex 3 KHR PROJEKTENTWICKLUNGSGESE
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Annex 3 MFG FLUGHAFEN- GRUNWALD GER
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PARZHOF-ERRICHTUNGS- UND VERWERTUNG
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RAFFAELLO LUXEMBOURG S.C.A LUXEMBOU
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Annex 3 SOCIETA REGIONALE DI GARANZ
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CONSORTILE PER AZIONI (formerly UNI
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UNICREDIT GLOBAL LEASING EXPORT GMB
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Annex 3 UNICREDITO ITALIANO CAPITAL
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Annex 3 WIRTSCHAFTS- UND STEYR AUST
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ALM - Asset & Liability Management
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CDO - Collateralized Debt Obligatio
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Deteriorated credits 529 >> Consoli
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IAS/IFRS 531 >> Consolidated Financ
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Liquidity risk 533 >> Consolidated
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Private banking 535 >> Consolidated
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Tier 1 Capital The most reliable an
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540
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543
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