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Dace Markeviča Uralchem Trading Sia Corporate Banking Client - Latvia «Uralchem Trading has the assurance that every time, even when it comes to fairly simple banking transactions like payments, UniCredit Bank will look for and fi nd mutually benefi cial solutions. The bank’s professional staff always offers helpful advice on successful business operations, thereby laying the foundation for mutual trust and a long-term partnership.» It’s easy with UniCredit.
Contents Introduction 5 Board of Directors and Board of Statutory Auditors 7 Chairman’s message to the Shareholders 8 UniCredit Group Profile 10 Strategy and Results 17 CEO’s Letter to the Shareholders 18 2009 Highlight 20 Note to the Report on Operations and Consolidated Accounts 21 Report on Operations 25 Highlight 26 Condensed Accounts 28 Quarterly Figures 30 Comparison of Q4 2009 / Q4 2008 32 Segment Reporting (Summary) 33 Group Figures 34 UniCredit Share 35 Group Results 36 Results by Business Segment 49 Other information 92 Subsequent Events and Outlook 101 Corporate Governance 105 Governance organizational structure 106 Management Committee 114 Group Management Team 116 Consolidated Financial Statements 119 Condensed Accounts 121 Notes to the Consolidated Accounts 131 Annexes 485 Consolidated Financial Statements Certification pursuant to art. 81-ter of Consob Regulation no. 11971 of May 14, 1999, as amended 539 Report of External Auditors in accordance with art. 156 of Legislative decree no. 58 of February 24, 1998 543 UniCredit Group · 2009 Consolidated Reports and Accounts 3
Page 1 and 2: 2009 Consolidated Reports and Accou
Page 3: Times change, but commitments do no
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
Page 53 and 54: 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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