GENERAL MEETING DRAFT - Bankier.pl

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Disclosure relating to segment reporting reflects the Group’s organisational structure 1 by business
segments in line with the current practice in management reporting of Group results, as follows: Retail
Banking, Corporate & Investment Banking, Private Banking, Asset Management, Central and Eastern
Europe (CEE) and Poland’s Markets.
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The Retail Banking Strategic Business Area (“SBA” or “Retail SBA”) of UniCredit Group aims to satisfy
the financial needs of Mass Market, Affluent and Small Business customers in Italy, Germany and Austria
by bringing together the Group's experience in the area of retail banking and making it available to serve
customers regardless of their geographic location. The Retail SBA includes the three new Italian
commercial banks (UniCredit Banca, UniCredit Banca di Roma and Banco di Sicilia), the retail business
areas of UniCredit Bank AG in Germany and UniCredit Bank Austria, besides UniCredit Family Financing
Bank, a bank specializing in mortgages and consumer credit, which provides the SBA’s banks with
solutions that meet the many financial requirements of households. Lastly, since May 2009 the Retail
SBA has included Asset Gathering, the business area specializing in individual retail customer deposits
through the direct channel and a network of financial consultants. Asset gathering operates through
FinecoBank in Italy, DAB Bank in Germany and DAT Bank in Austria; these banks offer the banking and
investment services of traditional banks, but distinguish themselves for their unique focus on innovation,
which is reflected primarily in the development of modern businesses such as online trading.
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The Corporate & Investment Banking area, which is the result of the combination of the previous
Corporate and MIB divisions, targets corporate and institutional customers that operate (primarily, but not
exclusively) in the primary markets where the UniCredit Group has a presence.
Through a broad range of dedicated financial products and services, from traditional lending activities and
services that are typical of commercial banking to more complex services with a higher added value (e.g.,
project finance, acquisition finance and other investment banking services and services to access/operate
in international financial markets), CIB supports its customers during the various phases of the business's
life by providing support in ordinary corporate activities, in growth and internationalization projects, and
lastly, during any restructuring periods.
The strengthening of CIB's position as a European regional specialist in the most advanced global
financial markets and investment banking services will enable it to round out the broad range of services it
provides to its customers.
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The Private Banking business unit primarily targets high-net-worth individuals by providing advisory
services and solutions for wealth management using a comprehensive approach. The business unit
operates through a network of around 1,200 private bankers located in more than 250 branches in the
three main countries (Italy, Germany and Austria), in addition to a selective presence in several offshore
European markets (Switzerland, Luxembourg and San Marino).
1
In late 2008 and early 2009 UniCredit Group made certain changes to its organizational model leading to three Strategic Business Areas (SBA), viz.: (i)
Retail, (ii) Corporate & Investment Banking and Private Banking, and (iii) Global Banking Services headed by three Deputy CEOs. The heads of the
Business Unit Asset Management and CEE Divisionalization Program (including Poland’s Markets) report directly to the CEO.
2009 CONSOLIDATED REPORTS AND ACCOUNTS
506