Prospectus - Notowania

among others, mutual investment funds, unit-linked policies (full life and with
maturity) and policies with recurrent premiums.
In conclusion, with reference to small business customers, the range of services is
divided into two separate models:
− the Business Prime model, for high-bracket customers with more structured
business needs; and
− the Business Easy model, for customers with a simpler financial structure and
needs (“Small Economic Operators”),
which make it possible to offer each business-customer a specialized and dedicated
service.
A distinctive element of the Business Prime model is the offer of an integrated
advisory service so as to satisfy both the needs of the companies and the personal
requirements of the entrepreneur and his family. Working with this model, the
UniCredit Group is able to offer an integrated team of consultants, who are assigned
the portfolios of the client companies, with an investment specialist who is assigned a
portfolio of private customers, linked to the same.
The Business Easy service model aims to offer Small Economic Operators a simple
and direct service, also provided via a dedicated consultant (the Business Easy
consultant), who offers themselves as the main stakeholder of the company with
whom the customers can interact also via interactive channels. With respect to the
Business Prime model, this service model makes it possible to provide greater
commercial coverage which ensures the possibility of dealing with the many
customers in the Small Economic Operators segment.
With regard to the small business commercial offer, the range of current accounts aims
to satisfy the various operating needs of the businesses (from self-service accounts
with a contained cost for companies which use the on-line facilities, to all-inclusive
accounts with a higher price for companies which have more complex banking needs),
also with sector-based accounts for specific sub-segments. In detail, the low-cost selfservice
accounts are supported by an extensive networks of Latest Generation ATMs,
which envisages the possibility for the customers of paying in cash and cheques,
thereby avoiding visits to the branch.
With regard to loans, the Group has a complete range of products, with basic and
specific loan facilities by sector, so as to more fully meet the need of every business.
The strategy in this sector is to make a customized range and innovative solutions
available so as to more efficiently respond to the new requirements or to contingent
situations, also by means of agreements with territorial bodies and associations and by
means of legislative concessions.
(b) Corporate & Investment Banking
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