GENERAL MEETING DRAFT - Bankier.pl

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>> Report on Operations
Corporate & Investment Banking (CIB)
� Global Transaction Banking (GTB): skill center specializing in Cash Management & eBanking
products, Supply Chain Finance, Trade Finance, in complex transactions in the area of Structured
Trade & Export Finance, and, lastly, in Global Securities Services.
� Leasing: responsible for coordinating all activities for the structuring, pricing and sale of leasing
products in the Group by leveraging its own distribution Network, which operates in close cooperation
with the banking Networks. The reorganization of operations in Italy was recently completed by
merging the operations of Locat S.p.A. and UniCredit Global Leasing S.p.A.
In addition to the business advantages of product specialization, full coverage of all CIB operations by the
four dedicated Product Lines makes it possible to assign responsibility of a portion of CIB's entire income
statement and balance sheet to each, thereby allowing for a more complete and efficient governance of
the value generated by individual product and service components.
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In keeping with the new business model, the newly established F&A Product Line has the dual (and
primary) role of serving as a skill center for all loan products and as advisory for corporate and business
customers Group-wide.
In order to meet the needs of customers and become one of the best financing houses in Europe, F&A
offers its advisory services to distribution networks in the area of lending in terms of both structuring
transactions and pricing advanced products that target the most sophisticated customers. At the same
time, in collaboration with the networks, it oversees the Group's guidelines for determining pricing for plain
vanilla loan transactions targeting corporate customers.
In addition to loan-related services, the range of F&A offerings also includes more sophisticated
Investment Banking products (e.g., corporate finance and advisory, syndicated loans, leveraged buy-outs,
project and commodity finance, real estate financing and principal investments), which primarily target
high-end customers such as large corporate, multinational and institutional customers, which in general
have more complex needs and require tailor-made services.
The main units with global responsibility consist of:
� Financial Sponsor Solution, with coverage responsibility for all Private Equity products and all lending
activities of subsidiaries of Financial Sponsors;
� Project and Commodity Finance, with global responsibility for the entire Group in this business;
� Loan Syndication, which is the center responsible for managing all syndication activities;
� Principal Investment, which is responsible for managing all activities related to Direct Investments,
Fund Investments and Hedge Funds.
Local units are in charge of other lending activities, more sophisticated structured transactions that are not
covered by the Global units (related to Mergers & Acquisitions, Real Estate and Shipping), and plain vanilla
operations.