Prospectus - Notowania
Prospectus - Notowania Prospectus - Notowania
1 As from 2009, the Retail area also includes the Business Line Asset Gathering, previously included within Private Banking. The comparative figure as of September 30, 2008 was constructed on the same basis. 2 The financial information relating to the CIB activities sector for the 9-month period ended as at September 30, 2008 was taken from the consolidated interim report as at September 30, 2009 for the purpose of which they were redefined for comparative purposes. The financial information relating to CIB for the financial years ended as at December 31, 2008, 2007 and 2006 is taken as the mere sum of the figures referring to the former Corporate Banking and Markets & Investment Banking sectors as indicated and taken from the financial statements for the related financial years. This information, shown exclusively for indicative purposes, does not include infragroup cancellations and does not in any way represent the pro-forma figures relating to CIB as at December 31, 2008, 2007 and 2006 and therefore, also taking into account a number of changes to the scope of policies which took place in 2009, is not directly comparable with the financial information as at September 30, 2009 and September 30, 2008. 3 As from 2009, the Retail area also includes the Business Line Asset Gathering, previously included within Private Banking. The comparative figure as of September 30, 2008 was constructed on the same basis. 4 The figures relating to the Issuer and other companies include the cancellations and consolidation adjustments. OPERATING PROFIT (millions of €) 09.30.2009 09.30.2008 12.31.2008 12.31.2007 reconstructed 12.31.2006 Retail 1 2,263 3,101 3,606 3,594 2,509 CIB 2 5,313 2,774 3,006 5,637 4,790 Ex Corporate Banking 4,293 4,019 3,238 Ex Markets & Investment Banking (1,287) 1,618 1,552 Private Banking 3 187 291 522 614 349 Asset Management 173 482 580 926 716 CEE and Poland’s Markets 2,638 2,721 3,626 2,822 2,380 Parent Company and other companies 4 (966) (1,106) (1,166) (247) (538) Total 9,608 8,263 10,174 13,346 10,206 1 As from 2009, the Retail area also includes the Business Line Asset Gathering, previously included within Private Banking. The comparative figure as of September 30, 2008 was constructed on the same basis. 2 The financial information relating to the CIB activities sector for the 9-month period ended as at September 30, 2008 was taken from the consolidated interim report as at September 30, 2009 for the purpose of which they were redefined for comparative purposes. The financial information relating to CIB for the financial years ended as at December 31, 2008, 2007 and 2006 is taken as the mere sum of the figures referring to the former Corporate Banking and Markets & Investment Banking sectors as indicated and taken from the financial statements for the related financial years. This information, shown exclusively for indicative purposes, does not include infragroup cancellations and does not in any way represent the pro-forma figures relating to CIB as at December 31, 2008, 2007 and 2006 and therefore, also taking into account a number of changes to the scope of policies which took place in 2009, is not directly comparable with the financial information as at September 30, 2009 and September 30, 2008. 3 As from 2009, the Retail area also includes the Business Line Asset Gathering, previously included within Private Banking. The comparative figure as of September 30, 2008 was constructed on the same basis. 4 The figures relating to the Issuer and other companies include the cancellations and consolidation adjustments. GROSS PROFIT (millions of €) 09.30.2009 09.30.2008 12.31.2008 12.31.2007 reconstructed 12.31.2006 Retail 1 720 2,206 2,807 1,949 1,343 CIB 2 1,403 1,504 805 5,039 3,902 Ex Corporate Banking 2,991 2,955 2,367 Ex Markets & Investment Banking (2,186) 2,084 1,535 Private Banking 3 175 311 511 584 330 Asset Management 179 503 599 934 667 CEE and Poland’s Markets 1,336 2,417 3,131 2,486 2,050 Parent Company and other companies 4 (1,133) (1,325) (2,395) (482) (82) - 108 -
Total 2,680 5,616 5,458 10,510 8,210 1 As from 2009, the Retail area also includes the Business Line Asset Gathering, previously included within Private Banking. The comparative figure as of September 30, 2008 was constructed on the same basis. 2 The financial information relating to the CIB activities sector for the 9-month period ended as at September 30, 2008 was taken from the consolidated interim report as at September 30, 2009 for the purpose of which they were redefined for comparative purposes. The financial information relating to CIB for the financial years ended as at December 31, 2008, 2007 and 2006 is taken as the mere sum of the figures referring to the former Corporate Banking and Markets & Investment Banking sectors as indicated and taken from the financial statements for the related financial years. This information, shown exclusively for indicative purposes, does not include infragroup cancellations and does not in any way represent the pro-forma figures relating to CIB as at December 31, 2008, 2007 and 2006 and therefore, also taking into account a number of changes to the scope of policies which took place in 2009, is not directly comparable with the financial information as at September 30, 2009 and September 30, 2008. 3 As from 2009, the Retail area also includes the Business Line Asset Gathering, previously included within Private Banking. The comparative figure as of September 30, 2008 was constructed on the same basis. 4 The figures relating to the Issuer and other companies include the cancellations and consolidation adjustments. As at September 30, 2009, loans to customers and customer deposits and securities issued by the UniCredit Group amounted respectively to €565 billion (-7.7% with respect to the closing value as at December 31, 2008) and €590 billion (-0.2% with respect to the closing value as at December 31, 2008). A summary description of each sector of activities of the UniCredit Group is presented below. (a) Retail The Retail activities sector – which includes the three Italian commercial banks UniCredit Banca, UniCredit Banca di Roma and Banco di Sicilia, as well as the Retail Business Lines of HVB in Germany and BA in Austria – has the primary aim of satisfying the financial needs of the Group’s retail customers. So as to be able to offer products created to meet the specific requirements of the customers, these customers are currently divided into three sub-segments: (i) mass market (made up of customers with available assets of up to €100,000); (ii) affluent (made up of customers with available assets of between €100,000 and €500,000); and (iii) small businesses (which includes professionals and businesses with a turnover of less than €3 million). In Italy, the segmentation in terms of size is flanked by segmentation on a geographic basis. In particular, UniCredit Banca operates in Northern Italy, UniCredit Banca di Roma in Central-Southern Italy and Banco di Sicilia in Sicily. With regard to the period ended as at September 30, 2009, the Retail sector represented 35.8% of the total operating income of the UniCredit Group. The table below indicates the main income statement figures of the UniCredit Group relating to the Retail sector with reference to the nine months as at September 30, 2009 and September 30, 2008 and the financial years ended as at December 31, 2008, 2007 and 2006. (millions of €) INCOME STATEMENT FIGURES 09.30.2009 09.30.2008 12.31.2008 12.31.2007 reconstructed 12.31.2006 OPERATING INCOME 7,565 8,787 10,925 10,921 7,729 - 109 -
- Page 57 and 58: - 57 - RISK FACTORS liquidity facil
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- Page 79 and 80: 4.1.17 Risks associated with activi
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- Page 89 and 90: 5 INFORMATION ON THE COMPANY 5.1. H
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- Page 93 and 94: (B) The merger transactions with th
- Page 95 and 96: Register on September 25, 2007 and
- Page 97 and 98: December 2007 UniCredit reached an
- Page 99 and 100: Real Estate subsequently transferre
- Page 101 and 102: associated with liabilities which a
- Page 103 and 104: Total 3,781 4,003 4,186 3,086 -5.5%
- Page 105 and 106: PIRELLI PEKAO REAL ESTATE SP. Z O.O
- Page 107: a structure by sector of activities
- Page 111 and 112: (ii) credit, debit and prepaid card
- Page 113 and 114: The CIB business segment focuses on
- Page 115 and 116: markets and corporate treasury sale
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- Page 133 and 134: Private Banking Business Unit (whic
- Page 135 and 136: Piedmont 466 2,716 17 2 Puglia 173
- Page 137 and 138: Europe (including Germany and Austr
- Page 139 and 140: (b) PMI, for corporations with an a
- Page 141 and 142: With regards to loans 19 , as at Ju
- Page 143 and 144: and services, combining a unique ge
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- Page 147 and 148: countries), with reference to the m
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1 As from 2009, the Retail area also includes the Business Line Asset Gathering, previously included within Private<br />
Banking. The comparative figure as of September 30, 2008 was constructed on the same basis.<br />
2 The financial information relating to the CIB activities sector for the 9-month period ended as at September 30,<br />
2008 was taken from the consolidated interim report as at September 30, 2009 for the purpose of which they were redefined<br />
for comparative purposes. The financial information relating to CIB for the financial years ended as at<br />
December 31, 2008, 2007 and 2006 is taken as the mere sum of the figures referring to the former Corporate Banking<br />
and Markets & Investment Banking sectors as indicated and taken from the financial statements for the related<br />
financial years. This information, shown exclusively for indicative purposes, does not include infragroup<br />
cancellations and does not in any way represent the pro-forma figures relating to CIB as at December 31, 2008, 2007<br />
and 2006 and therefore, also taking into account a number of changes to the scope of policies which took place in<br />
2009, is not directly comparable with the financial information as at September 30, 2009 and September 30, 2008.<br />
3 As from 2009, the Retail area also includes the Business Line Asset Gathering, previously included within Private<br />
Banking. The comparative figure as of September 30, 2008 was constructed on the same basis.<br />
4 The figures relating to the Issuer and other companies include the cancellations and consolidation adjustments.<br />
OPERATING PROFIT<br />
(millions of €) 09.30.2009 09.30.2008 12.31.2008 12.31.2007<br />
reconstructed<br />
12.31.2006<br />
Retail 1 2,263 3,101 3,606 3,594 2,509<br />
CIB 2 5,313 2,774 3,006 5,637 4,790<br />
Ex Corporate<br />
Banking<br />
4,293 4,019 3,238<br />
Ex Markets &<br />
Investment<br />
Banking<br />
(1,287) 1,618 1,552<br />
Private Banking 3 187 291 522 614 349<br />
Asset Management 173 482 580 926 716<br />
CEE and Poland’s<br />
Markets<br />
2,638 2,721 3,626 2,822 2,380<br />
Parent Company and<br />
other companies 4<br />
(966) (1,106) (1,166) (247) (538)<br />
Total 9,608 8,263 10,174 13,346 10,206<br />
1<br />
As from 2009, the Retail area also includes the Business Line Asset Gathering, previously included within Private<br />
Banking. The comparative figure as of September 30, 2008 was constructed on the same basis.<br />
2<br />
The financial information relating to the CIB activities sector for the 9-month period ended as at September 30,<br />
2008 was taken from the consolidated interim report as at September 30, 2009 for the purpose of which they were redefined<br />
for comparative purposes. The financial information relating to CIB for the financial years ended as at<br />
December 31, 2008, 2007 and 2006 is taken as the mere sum of the figures referring to the former Corporate Banking<br />
and Markets & Investment Banking sectors as indicated and taken from the financial statements for the related<br />
financial years. This information, shown exclusively for indicative purposes, does not include infragroup<br />
cancellations and does not in any way represent the pro-forma figures relating to CIB as at December 31, 2008, 2007<br />
and 2006 and therefore, also taking into account a number of changes to the scope of policies which took place in<br />
2009, is not directly comparable with the financial information as at September 30, 2009 and September 30, 2008.<br />
3<br />
As from 2009, the Retail area also includes the Business Line Asset Gathering, previously included within Private<br />
Banking. The comparative figure as of September 30, 2008 was constructed on the same basis.<br />
4<br />
The figures relating to the Issuer and other companies include the cancellations and consolidation adjustments.<br />
GROSS PROFIT<br />
(millions of €) 09.30.2009 09.30.2008 12.31.2008 12.31.2007<br />
reconstructed<br />
12.31.2006<br />
Retail 1 720 2,206 2,807 1,949 1,343<br />
CIB 2 1,403 1,504 805 5,039 3,902<br />
Ex Corporate<br />
Banking<br />
2,991 2,955 2,367<br />
Ex Markets &<br />
Investment<br />
Banking<br />
(2,186) 2,084 1,535<br />
Private Banking 3 175 311 511 584 330<br />
Asset Management 179 503 599 934 667<br />
CEE and Poland’s<br />
Markets<br />
1,336 2,417 3,131 2,486 2,050<br />
Parent Company and<br />
other companies 4<br />
(1,133) (1,325) (2,395) (482) (82)<br />
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