Prospectus - Notowania

Part D – Segment Reporting
(amounts in € million)
Organizational Structure
Disclosure relating to segment reporting reflects the Group’s organisational structure 1 by business segments in line with the
current practice in management reporting of Group results, as follows: Retail Banking, Corporate & Investment Banking,
Private Banking, Asset Management, Central and Eastern Europe (CEE) and Poland’s Markets.
Retail Banking
The Retail Banking Strategic Business Area (“SBA” or “Retail SBA”) of UniCredit Group aims to satisfy the financial needs of
Mass Market, Affluent and Small Business customers in Italy, Germany and Austria by bringing together the Group's
experience in the area of retail banking and making it available to serve customers regardless of their geographic location.
The Retail SBA includes the three new Italian commercial banks (UniCredit Banca, UniCredit Banca di Roma and Banco di
Sicilia), the retail business areas of HypoVereinsbank in Germany and UniCredit Bank Austria, besides UniCredit Family
Financing Bank, a bank specializing in mortgages and consumer credit, which provides the SBA’s banks with solutions that
meet the many financial requirements of households. Lastly, since May 2009 the Retail SBA has included Asset Gathering,
the business area specializing in individual retail customer deposits through the direct channel and a network of financial
consultants. Asset gathering operates through FinecoBank in Italy, DAB Bank in Germany and DAT Bank in Austria, the
direct banks, leading brokers in their markets, which offer all the banking and investment services of traditional banks, but set
themselves apart through their unique focus on innovation, which is reflected primarily in the development of modern
businesses such as online trading.
Corporate & Investment Banking
The Corporate & Investment Banking (CIB) area aims to satisfy the financial needs of businesses and institutional customers
by providing a wide range of dedicated financial products and services, from traditional lending business and commercial
bank services to more complex and high value-added services such as project finance, acquisition finance and other
investment banking services, as well as trading in international financial markets.
The CIB area brings together and reorganizes the operations of the former Corporate and MIB Divisions with the aim of
rationalizing the reporting line and centralizing the best competences by:
� Understanding customer needs through a vast and specialized distribution network for specific customer
segments;
� Creating a competence center at Group level focusing on product development and supporting the distribution
network by providing advice on customer supply and services
� Mitigating risk through a common vision of the relationship with the customers and the adoption of uniform risk
assessment methodologies and specific product competences.
CIB’s new organizational model is based on the creation of a matrix structure which clearly segregates business
competences, which are represented by the distribution networks operating on the reference markets (Italy, Germany and
1
In late 2008 and early 2009 UniCredit Group made certain changes to its organizational model leading to three Strategic Business Areas
(SBA), viz.: (i) Retail, (ii) Corporate & Investment Banking and Private Banking, and (iii) Global Banking Services headed by three Deputy
CEOs. The heads of the Business Unit Asset Management and CEE Divisionalization Program (including Poland’s Markets) report directly to
the CEO.
CONSOLIDATED INTERIM REPORT
AS AT SEPTEMBER 30, 2009
164