GENERAL MEETING DRAFT - Bankier.pl

The main products and solutions offered to customers include:
� Cash Management and eBanking
73
>> Report on Operations
Corporate & Investment Banking (CIB)
The UniCredit Group has strengthened substantial experience in providing Cash Management and
eBanking solutions. Using an approach tailored to the needs of customers, GTB specialists provide
support for the entire Financial Value Chain. Product offerings range from analyzing cash and payment
flow management processes to the daily management of transactions using the eBanking platform,
and to the most efficient solutions for the global management of cash positions for multinational
groups, with a particular focus on countries in Central and Eastern Europe, where the Group has a
local presence and provides the same high quality of service.
The payment services area represents over 60% of overall revenues of UniCredit's Transaction
Banking unit including customer's sight deposits. This will make it possible to round out product
offerings and the product catalogue and to maximize the efficiency of a single pricing management
area for all products related to treasury and payment services.
Performance for 2009 in this area was affected by interest rate movements, which, compared to the
past year, reduced the income generated from value days, but left the market share of commissions
largely unchanged despite the global decline in the volume and number of transactions experienced
throughout the market due to the crisis situation.
� Trade Finance & Services and Supply Chain Management
UniCredit's products in this business area take advantage of the broad, direct coverage of the markets
in which the Group operates with the support of a network of over 4,000 correspondent banks, making
it possible to broaden the coverage area to over 50 countries throughout the world. This allows
customers of the UniCredit Group to support their range of products in different countries with the
broad selection of banking services available.
Trade finance products and services offered to Corporate customers range from more traditional
letters of credit, guarantees and documentary credits and forfaiting to highly competitive Global Trade
Management solutions that support the customer along the entire "supply chain": Pre-export, postshipment
and inventory finance are just a few examples of solutions offered to customers.
This business area represents about 25% of the revenues of UniCredit's Transaction Banking area,
and in 2009 it was able to largely maintain steady performance compared to the previous year due to
considerable pricing adjustments for customers that more than offset the reduction in the volume and
number of transactions resulting from the negative import/export situation. On the other hand, there
was an increase in guarantee volume and commissions and commissions from forfaiting throughout
2009.
��������
As dictated by its strategy, effective 1 January 2009, UniCredit Group's Leasing Business Line completed
the reorganization of Italian operations through the business combination of Locat S.p.A. with UniCredit
Global Leasing S.p.A.
In keeping with the Group's recent reorganization, the Group continued its commitment to maximize
cooperation with banks in individual countries, including through the modification and rationalization of
distribution models, which are increasingly focused on multiple channels in order to make the best use of
synergies within the Group and increase the effectiveness and efficiency of the sales force.
In an effort to strengthen the leasing business and the Group's identity, the rebranding of companies in
the European network was also completed.