Prospectus - Notowania

OPERATING PROFIT 2,263 3,101 3,606 3,594 2,509
GROSS PROFIT 720 2,206 2,807 1,949 1,343
As at September 30, 2009, loans to customers and customer deposits and securities
issued by the Retail sector amounted respectively to €169,295 million and €242,529
million and represented 29.9% of total loans to customers and 41.1% of total customer
deposits and securities of the UniCredit Group, respectively.
The following table illustrates the composition of customer loans and deposits of the
UniCredit Group (with indication of the percentage with respect to the total of the
activity sector), broken down by geographic area, as at September 30, 2009.
09.30.2009
(millions of €)
Loans to
customers
- 110 -
%
Customer
deposits and
securities
Italy 115,762 68.4% 178,208 73.5%
Germany 35,060 20.7% 31,686 13.1%
Austria 18,473 10.9% 32,635 13.5%
Total 169,295 100% 242,529 100%
UniCredit Family Financing Bank is also included under the Retail sector, the new
Group bank which supports retail customers with solutions which are able to respond
to the numerous finance requirements of households; the bank was established on
January 1, 2009 via the integration of UniCredit Consumer Financing Bank S.p.A., a
Group company specialized in consumer credit, and UniCredit Banca per la Casa,
specialized in home mortgage loan business.
The Retail sector also includes Asset Gathering, the business line specialized in
private retail customer deposit taking by means of the direct channel and the financial
advisor network. Asset Gathering operates in Italy via FinecoBank, in Germany via
DAB Bank and in Austria via DAT Bank; these banks offer the banking and
investment services of traditional retail banks, differentiating themselves, due to a
technological innovation vocation, which mainly emerges in the development of
innovative business such as trading on-line.
The Retail Strategic Business Area, with regard to its various activities, also acts as a
product company for the promotion and management of bancassurance services in all
the geographic areas, including the countries forming part of the CEE and Poland’s
Market activity sector.
The UniCredit Group range for mass market customers includes:
(i) current accounts and other types of deposit accounts adapted to all the customer
needs, from basic ones with an operational type of requirement, to more
advanced ones relating to investment management. Furthermore, products
dedicated to customers who particularly use direct channels, such as ATMs and
internet banking, are present;
%