GENERAL MEETING DRAFT - Bankier.pl

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>> Strategy and Results
“Insieme 2009”, offers families the opportunity to suspend repayment of their mortgage for up to 12
months, free of charge. For companies – particularly the small and medium-sized businesses that are the
engine of the economy – we have launched dedicated initiatives, including “Impresa Italia” and “SOS
Impresa Italia”. The latter provides support to small business that are structurally sound but at risk of
default due to the current economic situation. In the last four months of 2009, the program provided
support to over 16,000 enterprises involving a general exposure of about 1.3 billion euros.
We also want to give guarantees to our stakeholders. The most important, of course, is a guarantee of
our strength. We can now assure this thanks to the reduction in the weight of our non-core assets, our
renewed efficiency and our capital increase, which started in 2009 and concluded in early 2010.
The decision to turn to the market for this increase and the resulting success confirmed that, even in a
year of complexity and volatility, we were able to protect our reputation and retain the trust of our
investors.
It is too early to expect a return to normal and we will continue to face uncertainty in 2010. However, the
results we have achieved to date, thanks to the efforts of UniCredit Group colleagues and your active
support as shareholders, enable me to look to the future with confidence.
We will encounter important challenges on the road ahead. But we have the determination, the capacity,
the tools and, above all, the people to move forward with success.
Alessandro Profumo
CEO