GENERAL MEETING DRAFT - Bankier.pl

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>> Report on Operations
Retail
UniCredit Group’s Retail Strategic Business Area 1 focuses primarly on meeting the financial
requirements of Mass Market, Affluent and Small Business customers. The Retail SBA’s fundamental role
is to enable individuals, households and small business customers to satisfy their financial needs by
offering a complete range of high-quality, reliable products and services at competitive prices.
In addition to the three new Italian commercial banks created on November 1, 2008 (UniCredit Banca,
UniCredit Banca di Roma and Banco di Sicilia), the Retail SBA includes the retail business areas of
UniCredit Bank AG in Germany and UniCredit Bank Austria.
Furthermore, the Retail SBA also includes UniCredit Family Financing Bank, established in January
2009 by the merger of UniCredit Consumer Financing, a Group company specializing in consumer credit,
and UniCredit Banca per la Casa, specializing in the business of residential mortgages. The new bank
Group supports the Retail banks with solutions which meet the diverse financing needs of families.
Finally, since May 2009, the Retail SBA also has also included Asset Gathering, the business area
specializing in private retail customer deposits through the online channel and the network of financial
consultants. Asset Gathering works 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 set themselves
apart by specializing in the online trading business and by an outstanding vocation focus on technological
innovation.
1 The introduction describes the main organizational changes and main business areas and/or legal entities that make up the Retail Strategic Business
Area Retail, also called Retail SBA. The Financial Performance section reports the Retail SBA’s overall results based on the scope of consolidation as at
2009. Results of 2008 are aligned with the new consolidation scope to ensure comparability.