- 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 and 26: Consolidation Area In 2009 there we
- Page 27: Report on Operations Notes The foll
- 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
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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 Governance org
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Corporate Governance Governance org
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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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139 >> Financial Statements Part A
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141 >> Financial Statements Part A
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143 >> Financial Statements Part A
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145 >> Financial Statements Part A
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NAME MAIN OFFICE 147 >> Financial S
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149 >> Financial Statements Part A
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NAME MAIN OFFICE 151 >> Financial S
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153 >> Financial Statements Part A
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NAME MAIN OFFICE 155 >> Financial S
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NAME MAIN OFFICE 157 >> Financial S
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159 >> Financial Statements Part A
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161 >> Financial Statements Part A
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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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171 >> Financial Statements Part A
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173 >> Financial Statements Part A
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175 >> Financial Statements Part A
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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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183 >> Financial Statements Part A
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13 - Liabilities, Securities in Iss
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187 >> Financial Statements Part A
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189 >> Financial Statements Part A
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191 >> Financial Statements Part A
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Relevant IFRS definitions 193 >> Fi
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195 >> Financial Statements Part A
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197 >> Financial Statements Part A
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199 >> Financial Statements Part A
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201 >> Financial Statements Part A
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203 >> Consolidated Financial State
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205 >> Consolidated Financial State
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Financial Assets Held for Trading 2
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209 >> Consolidated Financial State
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211 >> Consolidated Financial State
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Section 6 - Loans and receivables w
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215 >> Consolidated Financial State
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217 >> Consolidated Financial State
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219 >> Consolidated Financial State
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221 >> Consolidated Financial State
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223 >> Consolidated Financial State
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Section 12 - Property, plant and eq
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227 >> Consolidated Financial State
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13.3 Other information Information
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231 >> Consolidated Financial State
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233 >> Consolidated Financial State
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235 >> Consolidated Financial State
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237 >> Consolidated Financial State
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239 >> Consolidated Financial State
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241 >> Consolidated Financial State
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243 >> Consolidated Financial State
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15.2 Other informazion There is no
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247 >> Consolidated Financial State
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Section 3 - Debt securities in issu
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251 >> Consolidated Financial State
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Section 8 - Tax liabilities - Item
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255 >> Consolidated Financial State
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Section 13 - Insurance reserves - I
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259 >> Consolidated Financial State
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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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267 >> Consolidated Financial State
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269 >> Consolidated Financial State
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271 >> Consolidated Financial State
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273 >> Consolidated Financial State
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275 >> Consolidated Financial State
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277 >> Consolidated Financial State
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279 >> Consolidated Financial State
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Section 12 - Provisions - Item 190
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Section 16 - Profit (loss) of assoc
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285 >> Consolidated Financial State
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287 >> Consolidated Financial State
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289 >> Consolidated Financial State
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291 >> Consolidated Financial State
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293 >> Consolidated Financial State
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295 >> Consolidated Financial State
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values proving inconsistent with cu
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Section 1 - Credit Risk Qualitative
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301 >> Consolidated Financial State
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303 >> Consolidated Financial State
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305 >> Consolidated Financial State
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307 >> Consolidated Financial State
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309 >> Consolidated Financial State
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311 >> Consolidated Financial State
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A.1.6 Banking group - On- and off-b
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315 >> Consolidated Financial State
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317 >> Consolidated Financial State
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319 >> Consolidated Financial State
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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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327 >> Consolidated Financial State
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329 >> Consolidated Financial State
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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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343 >> Consolidated Financial State
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345 >> Consolidated Financial State
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Quantitative Information 347 >> Con
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349 >> Consolidated Financial State
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351 >> Consolidated Financial State
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353 >> Consolidated Financial State
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C.1.7 Banking Group - Servicer acti
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357 >> Consolidated Financial State
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359 >> Consolidated Financial State
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361 >> Consolidated Financial State
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363 >> Consolidated Financial State
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365 >> Consolidated Financial State
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C.2 Sales Transactions C.2.1 Bankin
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369 >> Consolidated Financial State
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371 >> Consolidated Financial State
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Securitized assets broken down by a
- Page 377 and 378:
375 >> Consolidated Financial State
- Page 379 and 380:
1.3 Other non-consolidated SPVs 377
- Page 381 and 382:
Loans and guarantees 379 >> Consoli
- Page 383 and 384:
381 >> Consolidated Financial State
- Page 385 and 386:
1.4 Reclassification of Structured
- Page 387 and 388:
The following table gives the amoun
- Page 389 and 390:
387 >> Consolidated Financial State
- Page 391 and 392:
389 >> Consolidated Financial State
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391 >> Consolidated Financial State
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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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397 >> Consolidated Financial State
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399 >> Consolidated Financial State
- Page 403 and 404:
2.6 Derivative instruments A. Finan
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403 >> Consolidated Financial State
- Page 407 and 408:
A.9 OTC financial derivatives - res
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407 >> Consolidated Financial State
- Page 411 and 412:
Credit Spread Sensitivity 409 >> Co
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411 >> Consolidated Financial State
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€ million Scenario Total US Reces
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415 >> Consolidated Financial State
- Page 419 and 420:
The standard measures taken for suc
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419 >> Consolidated Financial State
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421 >> Consolidated Financial State
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Section 4 - Operational Risk Qualit
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425 >> Consolidated Financial State
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Special Representative 427 >> Conso
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International Industrial Participat
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431 >> Consolidated Financial State
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Valauret S.A. 433 >> Consolidated F
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435 >> Consolidated Financial State
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437 >> Consolidated Financial State
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439 >> Consolidated Financial State
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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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449 >> Consolidated Financial State
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451 >> Consolidated Financial State
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453 >> Consolidated Financial State
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B. Quantitative information Regulat
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457 >> Consolidated Financial State
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459 Part G - Business Combinations
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461 >> Consolidated Financial State
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463 >> Consolidated Financial State
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2. Related-Party Transactions 465 >
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467 >> Consolidated Financial State
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469 Part I - Share-Based Payments >
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1.2 Measurement model 1.2.1 Stock O
- Page 475 and 476:
Other UniCredit equity instruments:
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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:
483 >> Consolidated Financial State
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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
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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
- Page 521 and 522:
UNICREDIT GLOBAL LEASING EXPORT GMB
- Page 523 and 524:
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
- 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
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543