Prospectus - Notowania

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 -