Company Profile as at June 30, 2016

Group Brand Management

Milan, August 3rd, 2016

UniCredit Group

UniCredit SpA Public

2

UniCredit has achieved excellent results…

• Balance Sheet de-risking and capital strengthening

• Restoring of a solid liquidity profile

• Reducing complexity and costs

• Efficiency gains: cost/income ratio reduced by about 18 pp from 1994 to 2015

Selective GrowthConsolidation Organizational Simplification

Business Relaunch

• Strategic Plan2013 - 2018

Integration of 7 Italian banks, centralization of ITand back office, start of international acquisitions

Continued expansioninto international markets with HVB and BA-CA, strengtheningof domestic markets with Capitalia

Increase in profitabilityFocus on risk cultureInvestment in growing businessIncreasing of multi-channel capabilities

2007 20142005 2010-20131998 2001

PioneerPioneerAsset ManagementAsset ManagementStrategic PlanStrategic Plan

CapitaliaCapitalia

S31S31

Central and Eastern Europe (CEE)Central and Eastern Europe (CEE)

ONE4CONE4CHVB, BA-CAHVB, BA-CA4,5 billionsto invest in the next 5 yearsto 2018

Process redesign/customer experienceimprovement

Attention to efficiency and to cost reduction

Multi-channel BankMulti-channel Bank

Digitalization

2015

Federal GroupFederal Group

1. This project led to the creation of three banks in Italy specializing in different customer segments: UniCredit Banca for the retail business, UniCredit Corporate Banking for the corporate business, and UniCredit Private Banking for the private banking business.

3

… and today is a leading European banking group

• Banking operations in 17 countries

• International network spanning: ~50 countries

• Global player in asset management: 220.7 bn in managed assets4

• Market leader in Central and Eastern Europe leveraging on the region's structural strengths

Over 143.000 employees2

7.588 branches3

2. Data as at June 30, 2016. FTE “Full Time Equivalent”= number of employees counted for the rate of presence. Figures include employees of KoçFinancial Group calculated at 100%. 3. Data as at June 30, 2016. Figures include branches of Koç Financial Group calculated at 100%.4. Data as at June 30, 2016.

V

V

UniCredit has an international profile with a strong European identity…

4

Institutional Shareholders

Retail Miscellaneous and Unidentified Investors

8%

35%

22%

8%17%

11%

UniCredit Shareholder Structure (%)5 UniCredit Employees by Country (%)6

29.6%

24.5%42

43

15Strategic Holdings*

33

12136

351CEE

Others

Poland

Germany

Italy

Austria

V

UniCredit Branches by Region (%)7

48

30

12721

CEE

Others

Poland

Germany

Italy

Austria

5. Source: Shareholder Analysis –Nasdaq. As at January 2016 and following "Modello 120A" .6. Data as at June 30, 2016. FTE “Full Time Equivalent”= number of employees counted for the rate of presence. Figures include employees of Koç Financial Group calculated at 100%. 7. Data as at June 30, 2016. Figures include branches of Koç Financial Group calculated at 100%.

* According to the Bank of Italy regulation concerning Banks’ shareholders structure, strategic shareholders are considered those (i) non institutional and (ii) with holdings of more than 2% of the share capital.

VV

…and with well diversified revenues

5

35%

22%

By Business Lines (%) By Region (%)

24.5%

Consolidated Total Revenues8

33

1918

10

87 3 2

Commercial Banking Italy

CEE

Commercial Banking

Germany

Poland

Asset Management

CIB

Asset Gathering

Commercial Banking Austria

48

19

18

87

Austria

Italy

Germany

Poland

CEE

8. Data as at June 30, 2016. These figures refer to Condensed Income Statement.

6

The Group has a significant presence in the countries where it operates…

-6.3

-6.4

125.5

-3.5

27,6

22,9

19,8

14,512,7

10,9 10,2 10,18,9 8,8 8,7 8,7 8,7

5,5

2,6 1,8

0,0

5,0

10,0

15,0

20,0

25,0

30,0

Market Shares in terms of Total Loans9

9. Market Shares in terms of Total Loans as at March, 31 2016. Source: UniCredit, Central National Banks.

… and it is committed to support their growth with distinctive assets

Business Model

UniCredit has a sustainable approach that drives activities…

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• UniCredit holds significant responsibilities within a complex value chain and we use different types of capital -financial, human, social, intellectual and environmental as inputs to contribute to our economy and society at large.

• These inputs are fundamental to our business model, influence the quality of the products and services that we provide and have a positive impact on society and the environment as a whole.

Value Creation Process10

10. Refer to the 2015 Integrated Report for more information.

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• The objective of the strategic plan is to ensure sustained profitability over the coming years. The plan is based on solid fundamentals, a strong culture of risk management and an improving macroeconomic climate.

• Our goals are to consolidate our leading position in corporate financial services across Europe, to institute an innovative mindset throughout our retail network, and to establish a cutting-edge digital footprint.

...as well as the five year plan…

Integration of strategic pillars and capitals11 – Strategic Plan 2013-2018

11. Refer to the 2015 Integrated Report for more information. A. WE= Western European.

…and the digital strategy

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• UniCredit is investing heavily in digitalization to make the Group highly competitive in the expanding digital arena.

• Our first objective is to accelerate the Group’s digital transformation. This will improve the speed and quality of our services, as well as the experiences of our customers.

• Second, we will develop a new digital business model for the future. Based on a new IT infrastructure, it will meet all of our customers’ basic needs, reducing our cost-to-serve. The buddybank initiative, which will be central to the success of this endeavor, represents a clear break from traditional banking models.

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ANNEX 1 – European Banking Network

Italy: UniCredit FinecoBank

Hungary: UniCredit Bank

Poland: Bank Pekao

Romania: UniCredit Bank

Russia: UniCredit Bank

Slovakia: UniCredit Bank

Slovenia: UniCredit Bank

Serbia: UniCredit Bank

Ukraine: UniCredit Bank

Turkey: Yapi Kredi

Germany: HypoVereinsbank

Bosnia and Herzegovina: UniCredit BankUniCredit Bank Banja Luka

Bulgaria: UniCredit Bulbank

Croatia: Zagrebačka Banka

Azerbaijan: Yapi Kredi Azerbaijan

Czech Republic: UniCredit BankAustria: Bank AustriaschoellerbankDirektanlage

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ANNEX 2 – International Network

Hamilton

New YorkBoston

Sao Paulo

Casablanca TripoliAbu Dhabi

Johannesburg

Mumbai

Singapore

Hanoi Hong Kong

GuangzhouTaipei

Shangai

TokyoBeijing

SeoulMadrid

LuxemburgDublinLondon

Brussels

Paris Zurich SkopjePodgorica

Core markets Representative Offices, Delegates, Consultants, Investment Centers, Asset Management, Investment Centers, Asset Management