Prospectus - Notowania

Europe (including Germany and Austria) and holds a role of prime standing in terms of
total assets in 19 CEE countries where it operates;
• multi-local approach: through its subsidiary banks which are active in the retail
segments in Italy, (UniCredit Banca, UniCredit Banca di Roma and Banco di Sicilia)
and the corporate segments in Germany (HVB) and Austria (BA), and so as with the
other 19 CEE countries where it operates, the Issuer is able to confirm its position as an
operator with a multi-local approach in all markets, entrusting Group banks with the
responsibility of management of the distribution network and customer relationship
methods.
• wide diversification of its asset portfolio: although focusing on commercial banking
activities, the UniCredit Group boasts a widely diversified asset portfolio, both in terms
of geographical area and business segment which allows the Group to seize the
opportunities afforded by the different segments/markets and face less exposure to the
trends in individual segments/markets;
• global business lines: the UniCredit Group, through its divisional organisational
structure, offers its products and services through business lines (retail, corporate, asset
management, private banking and investment banking) which are common to all
markets in which it operates. Each business line offer differs per customer segment, in
order to respond efficiently to the customer’s needs;
• global product factories: the Issuer has developed, on a global scale, segments
specialised in the development of different products (credit cards, consumer credit,
mortgages and leasing), in order to take full advantage of the growing potential of these
products. These global product factories allow the Issuer to guarantee a common,
integrated offer of said products to all banks in the UniCredit Group;
• UniCredit Group masterbrand: the UniCredit Group has developed a strong brand
identity shared by all companies in the Group and all countries in which it is active.
Said strategy was implemented in order to help increase customer acquisition and
loyalty and to guarantee the capacity to be able to attract and retain the best talent.
6.5. Description of products and services recently introduced
As at the date of the Prospectus, there were no recently introduced products and services which
the UniCredit Group intended to offer to its customers.
6.6. Future programmes and strategies
The persistence of a high level of market volatility and uncertainty over the future development
of the macroeconomic scenario prevents the Group from confirming the objectives of the 2008-
2010 Strategic Plan, whose main strategic guidelines, however, remain unchanged.
With respect to the original provisions of the Strategic Plan, the projects relative to the
obtainment of greater operating efficiency and more effective risk control developed
considerably faster in 2009, in order to counterbalance the negative impact on profitability of
the recessionary phase that the global economy is going through. In particular, structural
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