We had already been - Notowania

More documents

Recommendations

Info

Mladen Cvijetić, Milcodoo Trn Retail Client Bosnia and Herzegovina «For many years, I have <strong>been</strong> using revolving loans from UniCredit Bank Banja Luka. Last year, my company needed to provide immediate guarantees to a new supplier in Serbia. Unfortunately, at that time I was on a business trip to the Czech Republic. My bank advisor suggested that he contact my supplier and issue him a letter of intent from the bank. Thanks to our mutual trust, my business suffered no loss.» It’s easy with UniCredit.
Report on Operations Notes The following conventional symbols have <strong>been</strong> used in the tables: a dash (-) indicates that the item/fi gure is inexistent; two stops (..) or (n.s.) when the fi gures do not reach the minimum considered signifi cant or are not in any case considered signifi cant; “N.A.” indicates that the fi gure is not available. Unless otherwise indicated, all amounts are in millions of euros. Any discrepancies between data given in the report on operations, or between these data and the Accounts, are due to the effect of rounding. Highlights 26 Condensed Accounts 28 Balance Sheet 28 Income Statement 29 Quarterly Figures 30 Balance Sheet 30 Income Statement 31 Comparison of Q4 2009 / Q4 2008 32 Condensed Income Statement 32 Segment Reporting (Summary) 33 Group Figures 34 UniCredit Share 35 Group Results 36 Macroeconomic and Banking Scenario 36 International situation 36 Banking and Financial Markets 37 Main Results and Performance for the period 39 Capital and Value Management 47 Principles of Value Creation and Disciplined Capital Allocation 47 Capital Ratios 47 Shareholders’s Equity Attributable to the Group 48 Results by Business Segment 49 Retail 50 Corporate & Investment Banking (CIB) 59 Private Banking 66 Asset Management 71 CEE and Poland’s Markets 75 Central Eastern Europe (CEE) 75 Poland’s Markets 83 Global Banking Services 86 Other Information 92 Report on corporate governance and proprietary structures 92 Transactions for rationalization of Group operations and other corporate 92 Capital Strengthening 99 The ONE4C Program 100 Subsequent Events and Outlook 101 Subsequent Events 101 Outlook 102 UniCredit Group · 2009 Consolidated Reports and Accounts 25
Page 1 and 2: 2009 Consolidated Reports and Accou
Page 3 and 4: Times change, but commitments do no
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: Consolidation Area In 2009 there we
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
Page 53 and 54: Financial performance The figures f
Page 55 and 56: ond issue of UniCredit Family Finan
Page 57 and 58: Retail Network Germany UniCredit Ba
Page 59 and 60: anches with disbursements amounting
Page 61 and 62: Corporate & Investment Banking (CIB
Page 63 and 64: fee contribution was weak since it
Page 65 and 66: from analyzing cash and payment flo
Page 67 and 68: The new organizational model is bei
Page 69 and 70: Net of extraordinary items 1 , the
Page 71 and 72: Private Banking Italy reported arou
Page 73 and 74: Asset Management Introduction AT A
Page 75 and 76: Breakdown by business, geographic a
Page 77 and 78:
CEE and Poland’s Markets / Centra
Page 79 and 80:
The market-driven relative slowdown
Page 81 and 82:
Despite a challenging year in 2009,
Page 83 and 84:
eached RON 335mn (€78mn), less th
Page 85 and 86:
Poland’s Markets Introduction AT
Page 87 and 88:
global financial crisis, Corporate
Page 89 and 90:
The direct costs of SBA show a redu
Page 91 and 92:
Workout Services This department pr
Page 93 and 94:
With regard to developments in the
Page 95 and 96:
Global ICT Company The project was
Page 97 and 98:
Reorganization of the Austrian Priv
Page 99 and 100:
Outside Italy BodeHewitt AG & Co. K
Page 101 and 102:
Capital Strengthening In the early
Page 103 and 104:
Subsequent Events and Outlook Subse
Page 106 and 107:
Christian Hagn, Hagn & Dr. Ruebesam
Page 108 and 109:
Corporate Governance Governance org
Page 110 and 111:
Page 112 and 113:
Page 114 and 115:
Page 116 and 117:
Corporate Governance Management Com
Page 118 and 119:
Corporate Governance Group Manageme
Page 121 and 122:
Consolidated Financial Statements C
Page 123 and 124:
Consolidated Accounts RELASEMESTRAL
Page 125 and 126:
Consolidated Balance Sheet RELASEME
Page 127 and 128:
RELASEMESTRALE CONSOLIDATA 125 >> C
Page 129 and 130:
Consolidated Financial Statements C
Page 131 and 132:
RELASEMESTRALE CONSOLIDATA 129 >> C
Page 133 and 134:
131 >> Consolidated Financial State
Page 135 and 136:
133 Part A - Accounting Policies >>
Page 137 and 138:
135 >> Financial Statements Part A
Page 139 and 140:
Section 3 - Consolidation Procedure
Page 141 and 142:
Page 143 and 144:
Page 145 and 146:
Page 147 and 148:
Page 149 and 150:
NAME MAIN OFFICE 147 >> Financial S
Page 151 and 152:
Page 153 and 154:
Page 155 and 156:
Page 157 and 158:
Page 159 and 160:
Page 161 and 162:
Page 163 and 164:
Page 165 and 166:
Changes in the scope of consolidati
Page 167 and 168:
Reductions Disposals 165 >> Financi
Page 169 and 170:
Section 4 - Subsequent Events 167 >
Page 171 and 172:
As at 31 December 2009 the IASB had
Page 173 and 174:
Page 175 and 176:
Page 177 and 178:
Page 179 and 180:
6 - Hedge Accounting Derivative hed
Page 181 and 182:
7 - Equity Investments 179 >> Finan
Page 183 and 184:
9 - Intangible Assets 181 >> Financ
Page 185 and 186:
Page 187 and 188:
13 - Liabilities, Securities in Iss
Page 189 and 190:
Page 191 and 192:
Page 193 and 194:
Page 195 and 196:
Relevant IFRS definitions 193 >> Fi
Page 197 and 198:
Page 199 and 200:
Page 201 and 202:
Page 203 and 204:
Page 205 and 206:
Page 207 and 208:
Page 209 and 210:
Financial Assets Held for Trading 2
Page 211 and 212:
Page 213 and 214:
Page 215 and 216:
Section 6 - Loans and receivables w
Page 217 and 218:
Page 219 and 220:
Page 221 and 222:
Page 223 and 224:
Page 225 and 226:
Page 227 and 228:
Section 12 - Property, plant and eq
Page 229 and 230:
Page 231 and 232:
13.3 Other information Information
Page 233 and 234:
Page 235 and 236:
Page 237 and 238:
Page 239 and 240:
Page 241 and 242:
Page 243 and 244:
Page 245 and 246:
Page 247 and 248:
15.2 Other informazion There is no
Page 249 and 250:
Page 251 and 252:
Section 3 - Debt securities in issu
Page 253 and 254:
Page 255 and 256:
Section 8 - Tax liabilities - Item
Page 257 and 258:
Page 259 and 260:
Section 13 - Insurance reserves - I
Page 261 and 262:
Page 263 and 264:
Section 16 - Minorities - Item 210
Page 265 and 266:
4. Breakdown of investments relatin
Page 267 and 268:
Part C) Consolidated Income Stateme
Page 269 and 270:
Page 271 and 272:
Page 273 and 274:
Page 275 and 276:
Page 277 and 278:
Page 279 and 280:
Page 281 and 282:
Page 283 and 284:
Section 12 - Provisions - Item 190
Page 285 and 286:
Section 16 - Profit (loss) of assoc
Page 287 and 288:
Page 289 and 290:
Page 291 and 292:
Page 293 and 294:
Page 295 and 296:
Page 297 and 298:
Page 299 and 300:
values proving inconsistent with cu
Page 301 and 302:
Section 1 - Credit Risk Qualitative
Page 303 and 304:
Page 305 and 306:
Page 307 and 308:
Page 309 and 310:
Page 311 and 312:
Page 313 and 314:
Page 315 and 316:
A.1.6 Banking group - On- and off-b
Page 317 and 318:
Page 319 and 320:
Page 321 and 322:
Page 323 and 324:
C. Securitisation and sale transact
Page 325 and 326:
ORIGINATOR: UniCredit S.p.A. (ex Ca
Page 327 and 328:
ORIGINATOR: UniCredit S.p.A. (ex Ca
Page 329 and 330:
Page 331 and 332:
Page 333 and 334:
331 ORIGINATOR: UniCredit Leasing S
Page 335 and 336:
333 Transactions previous periods N
Page 337 and 338:
ORIGINATOR: Fineco Leasing S.p.A. T
Page 339 and 340:
ORIGINATOR: UNICREDIT BANK AG (ex H
Page 341 and 342:
339 ORIGINATOR: UNICREDIT BANK AG (
Page 343 and 344:
341 ORIGINATOR: UNICREDIT BANK AG (
Page 345 and 346:
Page 347 and 348:
Page 349 and 350:
Quantitative Information 347 >> Con
Page 351 and 352:
Page 353 and 354:
Page 355 and 356:
Page 357 and 358:
C.1.7 Banking Group - Servicer acti
Page 359 and 360:
Page 361 and 362:
Page 363 and 364:
Page 365 and 366:
Page 367 and 368:
Page 369 and 370:
C.2 Sales Transactions C.2.1 Bankin
Page 371 and 372:
Page 373 and 374:
Page 375 and 376:
Securitized assets broken down by a
Page 377 and 378:
Page 379 and 380:
1.3 Other non-consolidated SPVs 377
Page 381 and 382:
Loans and guarantees 379 >> Consoli
Page 383 and 384:
Page 385 and 386:
1.4 Reclassification of Structured
Page 387 and 388:
The following table gives the amoun
Page 389 and 390:
Page 391 and 392:
Page 393 and 394:
Page 395 and 396:
BA AG 393 60,000,000 50,000,000 40,
Page 397 and 398:
Quantitative information 395 >> Con
Page 399 and 400:
Page 401 and 402:
Page 403 and 404:
2.6 Derivative instruments A. Finan
Page 405 and 406:
Page 407 and 408:
A.9 OTC financial derivatives - res
Page 409 and 410:
Page 411 and 412:
Credit Spread Sensitivity 409 >> Co
Page 413 and 414:
Page 415 and 416:
€ million Scenario Total US Reces
Page 417 and 418:
Page 419 and 420:
The standard measures taken for suc
Page 421 and 422:
Page 423 and 424:
Page 425 and 426:
Section 4 - Operational Risk Qualit
Page 427 and 428:
Page 429 and 430:
Special Representative 427 >> Conso
Page 431 and 432:
International Industrial Participat
Page 433 and 434:
Page 435 and 436:
Valauret S.A. 433 >> Consolidated F
Page 437 and 438:
Page 439 and 440:
Page 441 and 442:
Page 443 and 444:
RELEVANT EVENTS OCCURRING AFTER 12/
Page 445 and 446:
Quantitative Information 443 >> Con
Page 447 and 448:
Internal Capital Adequacy Assessmen
Page 449 and 450:
Reputational Risk 447 >> Consolidat
Page 451 and 452:
Page 453 and 454:
Page 455 and 456:
Page 457 and 458:
B. Quantitative information Regulat
Page 459 and 460:
Page 461 and 462:
459 Part G - Business Combinations
Page 463 and 464:
Page 465 and 466:
Page 467 and 468:
2. Related-Party Transactions 465 >
Page 469 and 470:
Page 471 and 472:
469 Part I - Share-Based Payments >
Page 473 and 474:
1.2 Measurement model 1.2.1 Stock O
Page 475 and 476:
Other UniCredit equity instruments:
Page 477 and 478:
Financial statement presentation re
Page 479 and 480:
477 Part L - Segment Reporting >> C
Page 481 and 482:
Asset Management 479 >> Consolidate
Page 483 and 484:
Segment Reporting by Business Segme
Page 485 and 486:
Page 487 and 488:
485 Annexes Annex 1 Reconciliation
Page 489 and 490:
Consolidated Balance Sheet (Continu
Page 491 and 492:
Consolidated Income Statement (Cont
Page 493 and 494:
Annex 3 - Statement of significant
Page 495 and 496:
Annex 3 BA-CA ANDANTE LEASING GMBH
Page 497 and 498:
BC EUROPEAN CAPITAL VII-12 L.P. LON
Page 499 and 500:
Annex 3 CA-LEASING TERRA POSLOVANJE
Page 501 and 502:
Annex 3 DAB BANK AG MUNICH GERMANY
Page 503 and 504:
Annex 3 FONTANA HOTELVERWALTUNGSGES
Page 505 and 506:
Annex 3 HVB - LEASING PLUTO KFT BUD
Page 507 and 508:
Annex 3 HVB-LEASING HAMLET BUDAPEST
Page 509 and 510:
Annex 3 KHR PROJEKTENTWICKLUNGSGESE
Page 511 and 512:
Annex 3 MFG FLUGHAFEN- GRUNWALD GER
Page 513 and 514:
PARZHOF-ERRICHTUNGS- UND VERWERTUNG
Page 515 and 516:
RAFFAELLO LUXEMBOURG S.C.A LUXEMBOU
Page 517 and 518:
Annex 3 SOCIETA REGIONALE DI GARANZ
Page 519 and 520:
CONSORTILE PER AZIONI (formerly UNI
Page 521 and 522:
UNICREDIT GLOBAL LEASING EXPORT GMB
Page 523 and 524:
Annex 3 UNICREDITO ITALIANO CAPITAL
Page 525 and 526:
Annex 3 WIRTSCHAFTS- UND STEYR AUST
Page 527 and 528:
ALM - Asset & Liability Management
Page 529 and 530:
CDO - Collateralized Debt Obligatio
Page 531 and 532:
Deteriorated credits 529 >> Consoli
Page 533 and 534:
IAS/IFRS 531 >> Consolidated Financ
Page 535 and 536:
Liquidity risk 533 >> Consolidated
Page 537 and 538:
Private banking 535 >> Consolidated
Page 539:
Tier 1 Capital The most reliable an
Page 542 and 543:
540
Page 545:
543
show all

We had already been - Notowania

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?