Prospectus - Notowania

The table below discloses the main income statement figures of the Group relating to
the Poland’s Market segment 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 1,207 1,731 2,183 2,156 2,132
OPERATING PROFIT 573 925 1,123 1,184 1,101
GROSS PROFIT 244 423 1,110 1,144 999
As at September 30, 2009, loans to customers and customer deposits and securities
relating to the Poland’s Markets segment came respectively to €18,844 million and
€20,730 million and represent 3.3% of total loans to customers and 3.5% of customer
deposits and securities of the UniCredit Group, respectively.
Via Bank Pekao, in Poland the UniCredit Group as at September 30, 2009 was able to
capitalize on a vast network of branches and ATMs, permitting the customers to avail
of complete availability and easy access to the banking channels throughout the
country. In the Ukraine, the UniCredit Group, as at September 30, 2009, via Open
Joint Stock Company UniCredit Bank, had a growing position both in corporate
banking which represents the UniCredit Group’s core business, and in retail.
6.1.3. Legislative framework
The following paragraphs provide a brief description of the main legislation which
disciplines the activities of the UniCredit Group, applicable in Italy, Germany and
Poland.
Italy
The fundamental principles which discipline the performance of the banking activities
are contained in the TUB and in the Supervisory Instructions for banks issued by the
Bank of Italy (the “Supervisory Instructions”). The TUB contains, inter alia,
provisions regarding: (i) the authorization to carry out banking activities, (ii) the
acquisition of equity investments in banks, (iii) banking supervision and the capital
adequacy requirements and (iv) the share-based investments made by banks. The
Supervisory Instructions contain the detailed discipline of the general principles
pursuant to the TUB.
Authorization to carry out banking activities
Article 10 of the TUB establishes that the raising of savings from the general public
and the exercise of lending activities represent banking activities. Pursuant to Article
14 of the TUB, the Bank of Italy authorizes banking activities when all the conditions
indicated in the afore-mentioned article apply and enrols, pursuant to Article 13 of the
TUB, the banks authorized in Italy to carry out banking activities in a specific register
handled by the Bank of Italy.
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