unicredit profile - focus on central and eastern europe

UNICREDIT PROFILE - FOCUS ON CENTRAL AND EASTERN EUROPE

CEE Identity & Communications

Milan, November 2011

22

AGENDA

UniCredit at a glance

UniCredit in CEE – An overview

CEE and core country’s UniCredit banks profiles

3

Selective GrowthConsolidation

Reorganization of the Group’s customer service model (segmentation) and the introduction of new incentive systems

Integration of seven banks, centralization of IT systems and back office activity, start of international acquisitions

Completion of process of creating internal divisions, continued expansion into international markets with HVB and BA-CA, strengthening of domestic markets with Capitalia

Privatization Federal Group S31

Central and Eastern Europe (CEE)

Pioneer Investments

19931993 19981998 20012001 20052005

CAPITALIAHVB BA-CA

Turnaround

Asset Management Entities

Organizational Simplification

20072007 20102010

One4C

Leadership roles for individual countries in line with the multi-local approach.

Creation of a single bank throught the integration of Italian legal entities

Efficiency gains: cost/income ratio reduced by 22.2 pp from 1994 to 2010

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.

UNICRED HAS SYSTEMATICALLY OPTED FOR BREAKTHROUGHS, ENABLING IT TO ACHIEVE EXCELLENT RESULTS …

4

Employees: over 160,0001

Branches: 9,5182

Banking operations in 22 countries

International network spanning : ~ 50 countries

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

… AND TO BECOME A MAJOR BANKING GROUP

1 Data as at June 30, 2011. FTE “Full Time Equivalent”= number of employees counted for the rate of presence. Figures include all employees of subsidiaries consolidatedproportionately, such as Koç Financial Service Group employees.2 Data as at June 30, 2011. These figures include all branches of subsidiaries consolidated proportionately, such as Koç Financial Services Group branches.

5

38

35

15

6

6

1212

7

35

24

10

3

47

9

11

30

UNICREDIT HAS A CLEAR INTERNATIONAL PROFILE BASED ON A STRONG EUROPEAN IDENTITY …

Italian Retail Investors

Core Investors

InstitutionalInvestors

UniCredit Shareholder Structure1 (%) UniCredit Employees by Country 2(%)

UniCredit Branches by Region3 (%)

CEE

Austria

Italy

Germany

Turkey

Austria

Others Italy

PolandGermany

Other Domestic

Investors *

Others**

* It includes Italian corporations, banks and holding companies ** It includes unidentified shares owned by the Group and cashes

Poland

1 Calculated on last available data as at April 29, 2011. Source: Sodali 2 Data as at June 30, 2011. FTE “Full Time Equivalent”= number of employees counted for the rate of presence. Figures include all employees of subsidiaries consolidated proportionately, such as Koç Financial Service Group employees.

3 Data as at June 30, 2011.

Figures as of 1H 2011

6

17

97

42

39

7

17

3 3

31CIB2

F&SME Network

CEE

Private Banking

Asset Management

... AND BENEFITS FROM A WELL - BALANCED REVENUES MIX BOTH BY BUSINESS LINES AND BY REGIONS

By Business Lines (%) By Region (%)

Consolidated Total Revenues1

CEE

Austria

Italy

Germany

Poland

F&SME Factories

25

1 Data as at June 30, 2011. These figures refer to Condensed Income Statement. 2 CIB: Corporate & Investment Banking. Division which includes the former divisions Corporate Banking and MIB

Figures as of 1H 2011

7

THE GROUP CAN LEVERAGE ON ITS STRATEGIC GEOGRAPHICAL POSITIONING NOT ONLY IN ONE OF EUROPE’S WEALTHIEST AREAS …

GDP per capita1

No. 1

No. 3

No. 2

15.6%

3.0%

13.9%

Germany

Austria

Italy

Ranking Market share2

129.8

144.0

108.6

1 Source: Eurostat, UniCredit Research. Nominal GDP per capita as at December 31, 2010 (EU27=100). Estimate of Nominal GDP per capita within the EU27 as at December 31,2010 (last update March 31, 2011).2 Market Share in terms of Total Customers Loans as at December 31, 2010

8

Solid franchise of UniCredit in CEE: the largest and most diversified in the Region

Long-term investor approach to CEE to benefit of persisting growth potential higher than in Western Europe

16,618 Employees943 Branches


872 Employees74 Branches


Russia**

Bulgaria

Serbia

Romania

1,183 Employees 81 Branches

Slovakia



Hungary


Czech Rep.

Bosnia

Slovenia

Turkey***Croatia



19,476 Employees1,009 Branches

Poland*

Ukraine


Kazakhstan




Baltics


Kyrgyzstan

* Excluding OJSC UniCredit Bank Pekao in Ukraine

** Excluding Bank Sibir, which is consolidated into ATF Bank in Kazakhstan

*** Including Yapi Kredi Azerbaijan

8

… BUT IN CENTRAL AND EASTERN EUROPE TOO

9

is the primary objective of our F&SME, CIB, PB and CEE Divisions, which specialize in business relationships with customers and provide them with the best service and highest level of satisfaction over the medium and long term.

Are responsible for developing the products and services that drive the creation of value across all geographic areas, as well as for leveraging our internal product factories.

Allows our local banks to take responsibility for their distribution networks and customer relationships, and to take full advantage of the Group’s product and service lines, of global product and service factories, and of the colleagues who work in every market where the Group operates.

Are responsible for providing support through the Group’s service factories and through the Group's centralized areas. They backstop the network and the centralized product factories through specialized services provided by our Back Office, ICT, Loan Recovery, Procurement Office, Real Estate and Shared Service Center.

Customer Centricity

Multi-Local Approach

Global Product

Lines

Global Services

Lines

UNICREDIT CAN RELY ON A STRONG COMPETITIVE ADVANTAGE COMING FROM ITS BUSINESS MODEL BASED ON SPECIALIZATION …

10

AGENDA


UniCredit in CEE – An overview


11

Net Profit (2)

EUR mnCountries of presence (3)

Total Assets (1)

EUR bnNumber of Branches

116

88

78

63

67

41

36OTP

ISP

SocGen

KBC

RBI

Erste

UniCredit 1261,299 3,927

19

7

19

9

20

11

9

19

497

351

519

443

1,003

280

198

1,473

1,524

2,689

1,180

2,922

2,137

3,833

(6) 72 391 1,802 12

(10)

(4)

Data as of 1H2011

(9)

83 3,266

(7)

CEE, % share in Group revenues

19

58

80

31

14

12

25

35 (7)

(11)(11)

(7)

(5)(5)

n.m.

UNICREDIT CONFIRMS ITS LEADING POSITION IN THE CEE REGION

(1) 100% of total assets for controlled companies (stake > 50%) and pro rata for non- controlled companies (stake < 50%), except for OTP; (2) After tax before minority interest. Consolidated net profit for the CEE Region, except for Erste and SocGen (aggregated net profit); (3) Including direct and indirect presence in the 25 CEE countries, excluding representative offices; (4) Results of RBI exclude group corporate, markets and corporate center segments; (5) Including pro-forma Polbank; (6) Underlying figures adjusted by subsidiaries earmarked for divestment (RU, SRB and SI); (7) Including RU, SRB, SI; (8) As of YE 2010; (9) Branches as of YE 2010 including RU, SRB, SI; (10) Data for Albania, Croatia, Macedonia, Moldova and Montenegro are as of 2010; (11) Figures for Croatia, Albania, Moldova and Macedonia not available

SOURCE: UniCredit CEE Strategic Analysis

(7) (8)

12

(24.9%; 24.6%) (23.9%; 25.1%) (3.0%; 4.9%) (8.0%;10.0%)

(0.4%; 1,4%)

Russia

Bulgaria5

Serbia

Romania

Croatia

(4.0%; 3.9%)

Slovakia

(2.0%; 9.4%)

(5.6%; 4.0%)

Hungary

(3.1%; 2.5%)

Czech. Rep.

Bosnia

Slovenia

Turkey

(Market share Deposits; Market

share Loans)1

Country

Ukraine 3

(11.4%; 12.5%)

(2.7%; 5.0%)

(5.4%; 10.4%)

Kazakhstan (3.5%; 8.0%)

CEE RETAIL

Over 21.000 Employees4

~ € 21 bnLoans to Retail customers2

~ € 20 bnDeposits from Retail

customer2

CEE RETAIL - THE FOOTPRINT

1 Retail loans and deposits include loans to and deposits from households + non-profit institutions serving households as of June 30, 2011. MS are excluding Latvia where there’s no Retail operations. Source: UC CEE Strategic Analysis2 Data as of 31/12/2010 at constant budget rate, Turkey pro quota. 3 Related only to UkrosotsBank 4 Total FTEs, Turkey pro quota5 Excluding loans booked to UciFin

13

Customer acquisition

Top mass

Affluent

Small business clients

Customer acquisition

Top mass

Affluent

Small business clients

Increase the customer value added through

need based advisory

Increase the customer value added through

need based advisory

CUSTOMER CENTRICITYAND

OPERATING EFFICIENCY

CUSTOMER CENTRICITYAND

OPERATING EFFICIENCY

Excellence in:

Underwriting

Operational efficiency

Excellence in:

Underwriting

Operational efficiency

CEE RETAIL - THE STRATEGY

1414

CEE Corporate

(corporate banking)

End 2005

2006-2008

2009- 2010

Acquisition of HVB/BA-CA Group

CEE Integration program

CEE Banks‘ mergers and integration of differentbusiness models

CEE Corporate covering both SMEs and Corporate clients

CEE Investment Banking mainly covered by MIB division / CAIB

Crisis management and CEE Divisionalization program

Proactive management of major challanges during the crisis (liquidity gathering, interception of early warning signals, effective restructuring)

Segregation of coverage and product responsibilities

Providing the full range of services to our clients from one source

CEE CIB

(Corporate &Investment Banking)

MIB Division / CAIB (Investment Banking)

New Europe Corporate

(corporate banking)

MIB Division / CAIB (Investment Banking)

Go

vern

ance

Evo

luti

on

Ski

lls

Commercial orientation

Risk Management

Capture the market growth

Management of complexity

Integrate cultural diversity

Focus on Revenues/RWA

Manage restructuring, risk control, reprising, L/Depo balance

Expand Product know-how to IB

Set up GAM or IB coverage

CEE CIB - THE BACKGROUND

1515* Market share (Corporate + SME) on Loans to Non-financial corporations as of June 30, 2011. BALTICS as average of single market shares in EE, LT, LV

Source: UniCredit CEE Strategic Analysis

* Market share (Corporate + SME) on Loans to Non-financial corporations as of June 30, 2011. BALTICS as average of single market shares in EE, LT, LV

Source: UniCredit CEE Strategic Analysis

CEE Franchisee Network…

# 1 # 1 TOP 4

TOP 10 TOP 10Baltics Russia

Bulgaria

Serbia

Romania

Croatia

TOP 5Slovakia

TOP 5

TOP 7Hungary

TOP 4Czech. Rep.

Bosnia

Slovenia

Turkey

Market position

Country

Ukraine

# 1

TOP 7

TOP 5Kazakhstan TOP 5

TOP 4

15,5%

HU

12,6%

9,0%

CZ

SK

BG

8,6%

BALTICS

RO

RU

16,9%

UA 3,8%

SRB 7,6%

HR 22,4%

SI 5,7%

2,4%

8,0%

TK

BH

10,3%

14,2%

…. CEE CIB Market Share*

KZ

2,9%

Over 1.800 Relationship Managers~ € 40 bn loans to CIB customers

~ € 24 bn deposits from CIB customers

Over 1.800 Relationship Managers~ € 40 bn loans to CIB customers

~ € 24 bn deposits from CIB customers

CEE CIBSNAPSHOTSCEE CIBSNAPSHOTS

CEE CIB - THE FOOTPRINT

1616

CEE CIB – CONTRIBUTION Vs CEE DIVISION

PROFIT BEFORE TAXESREVENUES

DEPOSIT VOLUMES eopLOAN VOLUMES eop

~57%(2.439)

~43%(1.862)

~70%(662)

~30%(278)

~61%(37,6)

~39%(24,4) ~45%

(23,0) ~55%(28,1)

CEE DIVISION: 4.301 EUR mn

CEE DIVISION: 940 EUR mn

CEE DIVISION: 62,0 EUR bn

CEE DIVISION: 51,1 EUR bn

Other CEE

CEE CIB CEE CIB

Other CEE

CEE CIB

Other CEECEE Other

CEE CIB

CEE CIB HAS BEEN MAJOR CONTRIBUTOR (~70%) OF TOTAL DIVISION PROFIT IN 2010CEE CIB HAS BEEN MAJOR CONTRIBUTOR (~70%) OF TOTAL DIVISION PROFIT IN 2010

Figures at constant (10 BUD) FX ratesOther CEE includes CEE Retail, CEE Private, CEE Other, Profit Center Vienna TK at 41%. CIB KZT w/o SNTTK opex estimated

SOURCE: Managerial data – Business Area Report (BAR), CEE Division Management Report

17

~2.500 clients1.0 €bn TFA

400 clients0.03 €bn TFA


~1.300 clients 0.4 €bn TFA

Russia

Bulgaria

Serbia

Romania


Slovakia

~700 clients0.3 €bn TFA

Hungary

Turkey

Ukraine


~1000 clients 0.2 €bn TFA


Kazakhstan ~1.150 clients0.25 € bn TFA

CEE PRIVATE BANKING

Over 26.000

Clients

~ €7.95 bn Total Financial

Assets (TFA) 520 Employees

TFA: Total Financial AssetsSource: figures as at 1H2011 including Turkey at 41%

Czech. Rep.


Croatia

~300 clients0.1 €bn TFA

Slovenia

CEE PRIVATE BANKING - THE FOOTPRINT

18

SLOVAKIASLOVAKIA

Raymond Kopka+ 421 2 4950 [email protected]

Raymond Kopka+ 421 2 4950 [email protected]

CZECH REP.CZECH REP.

Jan Tronícek+420 224 121 [email protected]

Jan Tronícek+420 224 121 [email protected]

CROATIACROATIA

Vladimir Racic+385 1 613 [email protected]

Vladimir Racic+385 1 613 [email protected]

TURKEYTURKEY

Mert Yazicioglu+90 212 339 7449 [email protected]

Mert Yazicioglu+90 212 339 7449 [email protected]

HUNGARYHUNGARY

Péter Mozol +36 1 336 21 [email protected]

Péter Mozol +36 1 336 21 [email protected]

RUSSIARUSSIA

Igor Ryabov +7 495 [email protected]

Igor Ryabov +7 495 [email protected]

Assel Nurmanbetova+ 7 777 440 1180 [email protected]

Assel Nurmanbetova+ 7 777 440 1180 [email protected]

KAZAKHSTANKAZAKHSTAN

Adel Ayari+386 1 5876 [email protected]

Adel Ayari+386 1 5876 [email protected]

SLOVENIASLOVENIA

Ivan Djonov+359 2 923 [email protected]

Ivan Djonov+359 2 923 [email protected]

BULGARIABULGARIA

Mauro Maschio+38 (044) 230 13 70 [email protected]

Mauro Maschio+38 (044) 230 13 70 [email protected]

UKRAINEUKRAINE

Anca Eremia+40 21 200 [email protected]

Anca Eremia+40 21 200 [email protected]

ROMANIAROMANIA

Jasmina Benkirane-Stanivuk+381 11 3770 988 [email protected]

Jasmina Benkirane-Stanivuk+381 11 3770 988 [email protected]

SERBIASERBIA

CEE PRIVATE BANKING – HEADS’ CONTACT DETAILS

19

AGENDA


UniCredit in CEE - An overview


19

20

AUSTRIA

20 *Figures as at 30 June 2011, but market share as at Sept. 2010. Market share is in Total Assets.

Bank Austria

Bank Austria is a dynamic universal bank offering its customers access to international financial markets. The bank serves as UniCredit’s hub for the banking network in Central and Eastern Europe. Bank Austria has the strongest capital base among the large banks in Austria. The bank maintains an extensive network in Austria, serving ~1.8 mn customers in some 300 branches. Furthermore the bank is the number one partner for Austrian companies: 89% of large corporates, 41% of medium-sized companies and 35% of small businesses have confidence in Bank Austria's services.

Country details

Contacts

Figures*

Employees ~10,000

Branches >300

Market share 15,6%

Operating income € 3,545 mln

Profit Before Tax € 838 mln

Vienna

Head of F&SME Rainer Hauser Tel. + 43(0)50505 - 58700

Fax + 43(0)50505 - 56055 mail [email protected]

Head of CIB Dieter Hengl Tel. +43(0)50505 – 4800 Fax +43(0)50505 - 48003 mail [email protected]

Head of PB Robert Zadrazil Tel + 43(1)53471 - 1100 Fax + 43(1)53 471 - 1319 mail [email protected]

21

AZERBAIJAN

Yapi Kredi Azerbaijan

Yapi Kredi Azerbaijan (www.yapikredi.com.az) is a commercial universal bank with a market share of around 0,5%.

Country details

Baku

Figures*

Employees 154

Branches 8

Market share 0,5%

Operating income € 3 mln


*Figures as of June 30, 2011. Market share is in Total Assets. Operating income and Profit Before Tax are pro-quota. Figures consolidated in Yapi Kredi Turkey.

Contacts

Head of Retail Mehmet Erkan Akbulut Tel +994124970255-190 Ext Fax + 9944978019

mail [email protected]

Head of CIB & PB Mehmet Erkan Akbulut Tel. +994124970255-190 Ext Fax. + 9944978019


22

BALTICS

UniCredit Bank in Latvia, Estonia and Lithuania

UniCredit Bank (www.unicreditbank.ee; www.unicreditbank.lt and www.unicreditbank.lv) focuses on corporate business in the Baltic countries.

UniCredit Bank is among the top 10 local banks in all three Baltic countries, with a market share of nearly 2%.

Country details

Tallinn

Riga

Vilnius

Klaipeda

Figures*

Employees 196

Branches 8

Market share 1,5%


*Figures as of June 30, 2011. Market share is in Total Assets.

Contacts

Head of CIB Algimantas Kundrotas Tel +371 67 085 500 Fax +371 67 085 507 mail [email protected]

Head of GTB Maris Strazds Tel +371 67 085 729 Fax+371 67 085 507 mail [email protected]

Head of Int. Desk Alessandro Natili Tel +371 67 085 545 Fax +371 67 085 507 mail [email protected]

23

BOSNIA AND HERZEGOVINA

UniCredit Bank and UniCredit Bank Banja Luka Country details

Bihac

Zenica

TuzlaTravnik

Sarajevo

Mostar

Banja Luka

Figures*

Employees 1,801

Branches 138

Market share 20,6%



*Figures as of June 30, 2011 (except market share as of December 31, 2010). Market share is in Total Assets. Combined figures of UniCredit Bank and UniCredit Bank Banja Luka.

The UniCredit Banks (www.unicreditbank.ba; www.unicreditbank-bl.ba) have a long tradition in Bosnia and Herzegovina being number 1 on the local banking market with share of 20,6%.

The banks have been pioneers in issuing banking cards, they had the country’s first ATMs, and they were the first to offer internet banking and SMS banking.

Contacts

Head of Retail Hrvoje Lovrić Tel. +38736356293 - Fax +38736356229 [email protected]

Head of Corporate Alek Bakalović Tel. +38733491708 - Fax +38733491690 [email protected]

Head of Int. Desk Ilvana Dugalija Tel. +38733491656 - Fax +38733217679 [email protected]

Head of Financial Markets Adnan Šećibovićand Investment Banking Tel. +38733491849

Fax +38733491611 [email protected]

24

BULGARIA

UniCredit Bulbank

UniCredit Bulbank (www.unicreditbulbank.bg) is the indisputable market leader in the country.

UniCredit Bulbank operates one of the most comprehensive banking networks in Bulgaria of more than 220 branches and offices in which a vast variety of top quality financial products and services is provided.

Country details

Sofia

Ruse

V.Turnovo

Vidin

BlagoevgradBourgas

Varna

Dulovo

Karnobat

Plovdiv

Figures*

Employees 3,799

Branches 226

Market share 15,3%



Contacts


Head of Retail Pasquale Giamboi Tel +359 2 9232 601

Fax +359 2 9232 877 mail [email protected]

Head of CIB & PB Michele Amadei Tel + 359 2 9232 600


Head of Int. Desk Aldo Andreoni Tel +359 2 9232 560


25

CROATIA

Zagrebačka banka

On the Croatian banking market, Zagrebačka banka

(www.zaba.hr) is the number 1 featuring a market share of 25,6% in total assets.

The bank is the leading bank in the country in terms of product and service quality, technical innovations and the number of customers served through years.

Osijek

Zagreb

Rijeka

Split

Zadar

Dubrovnik

Imotski

Pula

Country details

Figures*

Employees 4,775

Branches 146

Market share 25,6%



Contacts


Head of Retail Daniela Roguljić Novak Tel. +385(1)6104117; Fax + 385(1)6110544


Head of Investment bankingMarko RemenarTel +385(1)6305391 Fax +385(1)6176274


Head of Corporate and Private banking Milivoj Goldštajn

Tel. +385(1)6305401; Fax +385(1)6176274 mail [email protected]

Head of Int. Desk Zoran FerberTel +385(1)6305437 Fax +385(1)6176274


26

CZECH REPUBLIC

UniCredit Bank

UniCredit Bank is number 4 in the Czech banking market.

It is one of the market‘s strongest banks in services to corporate clients, and in particular in the area of project, structured and syndicated corporate finance.

Country details

Chomutov

Praha

Karlovy Vary

Brno

Plzen

Ostrava

Zlín

Pardubice

Olomouc

Figures*

Employees 1,812

Branches 87

Market share 6,1%




Contacts

Head of F&SMEs Dušan Hladný Tel + 420 955 961 110

Fax + 420 221 119 110 mail [email protected]

Head of CIB & PB David Grund Tel + 420 955 961 100


Head of Int. Desk Alfredo Iuzzolini Tel + 420 955 960 531 mail [email protected]

27

GERMANY

UniCredit Bank AG (HypoVereinsbank)

UniCredit Bank AG With its approx. 21,000 employees and around 852 branch offices, it is among the largest financial institutions in Germany.

HypoVereinsbank handles all business for the UniCredit within Germany and is also the competence centre for international investment banking.

With an organisation integrated seamlessly into the structure of the UniCredit, HypoVereinsbank is able to utilise cross-border synergies and benefit from best-practice solutions throughout the European Group with no loss of time.

Country details

Figures*

Employees 21,037Branches 852Market share 3,5%

Operating income € 3,733 mlnProfit Before Tax € 1,920 mln

*Figures as at 30 June 2010. Market share is in Total Assets.Figures = HVB Group in Germany.

Düsseldorf

Düsseldorf

Kiel

Hamburg

HannoverBerlin

DortmundDüsseldorf Leipzig

Köln

Frankfurt/MainBayreuth

Würzburg

NürnbergMannheimRegensburg

Stuttgart PassauAugsburgUlm München

RosenheimContacts

Head of FSME Peter Buschbeck Tel. +49 89/378-28110 email: [email protected]

Head of CIB Lutz Diederichs Tel. +49 89/378-20190 email:[email protected]

Head of PB Jürgen Danzmayr Tel. +49 89/378-25333

email: [email protected]

mailto:[email protected]





28

HUNGARY

UniCredit Bank Country details

Figures*

Employees 1,979

Branches 135

Market share 5,4%



UniCredit Bank (www.unicreditbank.hu) is number 7 on the Hungarian banking market.

It offers a wide range of state of the art banking products and services – from diverse credits and loans for private and corporate clients through the big developing projects realized with supports from the European Union, from bank accounts, deposits through asset management to investment banking services.

Eger

Budapest

Zalaegerszeg

Szolnok

Pécs

Kecskemét

DebrecenNyíregyháza

Miskolc

Szombathely

SopronGyőr

Szeged

Veszprém

Kaposvár

Head of Retail Csilla Ihász Tel. +36-1-301-5115; Fax +36-1-301-1108


Head of CIB & PB Paolo Spada Tel. +36-1-301-1200; Fax +36-1-301-1108


Head of Int. Desk Paolo Garlanda Tel. +36-1-301-1207; Fax +36-1-301-5381



Contacts

29

KAZAKHSTAN

ATFBank

ATFBank (www.atfbank.kz) is number 5 on the Kazakh banking market.

The bank is a universal financial institution with strategic focus on corporate clients. ATFBank has a strong position in Private Banking.

Country details

Astana

Almaty

Figures*

Employees 3,040

Branches 115

Market share 8,8%

Operating income** € 82 mln

*Figures as of June 30 2011. Market share is in Total Assets. Including Bank Sibir.

**Including ATF Bank in Kyrgyzstan.

Contacts

Head of Retail Nikoloz Kurdiani Tel. +7 727 258-31-11 *1938 Fax +7 727 250 19 95


Head of CIB & PB Mukhabbat Seitova Tel. + 7 727 258-31-12 *1903

Fax +7 727 250 19 95 mail [email protected]

Head of Int. Desk Alika Surtayeva Tel. +7 727 258-30-11*2464

Fax + 7 727 258 13 91 mail [email protected]

30

KYRGYZSTAN

ATFBank Country details

Bischkek

Figures*

Employees 787

Branches 41

Market share 14%

Operating income ** € 10 mln

Profit Before Tax ** € 4 mln

*Figures as of June 30, 2011, but market share as at Sept. 2010. Market share is in Total Assets. **Consolidated into ATFBank in Kazakhstan.

Contacts

UniCreditBank (www.unicreditbank.kg) is the leading bank in the country with a market share of 14%.

The bank is a universal commercial institution and offers a wide spectrum of bank products and services.

Head of Retail Kim Alexander Tel. +999312 66-29-20Fax +999312 375050

[email protected]

Head of CIB & PB Aliya Chynybayeva Tel. + 996312 37-47-47

Fax +999312 375050 [email protected]

Head of Int. Desk Aliya Chynybayeva Tel. + 996312 37-47-47Fax +999312 375050

[email protected]

31

ITALY (UNICREDIT SpA incl.)

*Figures as at 31 June 2011, but market share as at May 2011. Market share is in Deposit.Operating Income: Total Revenues.

UniCredit

UniCredit, Italy's leading bank, has more than 45,000 employees, 8 million customers and over 4,400 branches specializing in serving three customer segments: Families and Small Medium Enterprises, Private Banking, Corporate Banking.

Our distribution territory allows us to be close to customers and contribute to the development of the communities where we operate. So seven Territorial Areas have been established, coordinated by a single Country Chairman

Country details

ContactsFigures*

Employees 45,640

Branches 4,408

Market share 14,9%

Operating income € 6,273 mln

Profit Before Tax € 1,012 mln

Rome

MilanTurin

Verona

Palermo

Bologna

Head of F&SMEs Frederik Geertman Tel +39 051 6408469


Head of CIB Alessandro Cataldo Tel. +39 02 88628252 mail [email protected]

Head of PB Dario Prunotto Tel +39 011 5605502 mail [email protected]

Naple

32

POLAND

Bank Pekao SA

Bank Pekao SA has been operating for over 80 years and it is the second bank in Poland with a market share of 10,7%.

It has the second largest network of branches (over 1, 000 outlets all over the country) and offers to its clients a network of more than 4,000 in Poland and 20,000 in Europe free of charge ATM’s.

Country details

Warszawa

Kraków

GdańskSzczecin

Poznań

WrocławLublin

Łodź

Katowice

Figures*

Employees 19,476

Branches 1,009

Market share 10,7%


Profit Before Tax** € 426 mln


**Figures include OJSC UniCredit Bank Pekao in Ukraine.

Contacts

Head of F&SMEs Christina Dariusz Tel. + 48 225245350 Email: [email protected]

Head of Int. Desk Gastol Katarzyna Tel. + 48 225246133 Email: [email protected]

Head of PB Waleczak Michal Tel. + 48 226613088

Fax +48 228283268 Email: [email protected]

Head of Large Companies Department Drozd Renata Tel. + 48 225246446 Email: [email protected]

33

ROMANIA

UniCredit Tiriac Bank Country details

Figures*

Employees 2,988

Branches 248

Market share 5,8%




With more than 230 branches, UniCredit Tiriac Bank (www.unicredittiriac.ro) is number 5 on the Romanian banking market.

The bank is a universal bank with ambitious objectives in delivering high-quality products and services to individual clients, private customers, small and medium-sized businesses, and large Romanian and multinational corporations.

Contacts

Timisoara

Bucharest

Oradea

Cluj-Napoca

Brasov

Constanta

Sibiu

Ploiesti

Head of Retail Emanuele Butta Tel. +4021.200.14.01

Fax: +4021.232.62.13 mail [email protected]

Head of CIB & PB Marco Esposito Tel. + 4021.200.17.01

Fax + 4021.232.62.13 mail [email protected]

Head of Int. Desk Roberto Fiorini Tel. + 021.200.16.10

Fax + 4021.232.62.13 mail [email protected]

34

RUSSIA

ZAO UniCredit Bank

ZAO UniCredit Bank (www.unicreditbank.ru) is a commercial bank and among the top 10 banks in Russia for key market segments.

The bank is specialised in providing services to corporate clients with good acquisition of private clients

Country details

St. Petersburg

Moscow

ChelyabinskKrasnodar

Rostov-on-Don Ekaterinburg

Figures*

Employees 3,725

Branches 107

Market share 2,0%



*Figures as of June 30, 2011. Market share is in Total Assets. Excluding Bank Sibir, which is consolidated into ATF Bank in Kazakhstan.

Contacts

Head of Retail Eduard Issopov Tel. +7(495) 258-7203; Fax +7(495) 258-7272


Head of CIB & PB Kirill Zhukov-Emelyanov Tel. +7(495) 723-7102 ; Fax +7(495) 258-7272 mail [email protected]

Head of International Clients Unit Petra Kellner Tel. +7 (495) 258-7292 ; Fax +7(495) 258-7272

mail [email protected] of Italian Desk-CBBM Team Massimiliano Giuliani

Tel. +7(495) 723-7126; Fax +7(495) 258-7272 [email protected]

35

SERBIA

UniCredit Bank

UniCredit Bank (www.unicreditbank.rs) is number 4 on the Serbian banking market and operates a network of more than 70 branches throughout the country.

The bank offers modern and innovative banking products.

Country details

Subotica

Novi Sad

Belgrade

Kragujevac

Figures*

Employees 872

Branches 74

Market share 6,7%



Contacts


Head of Retail Maurizio Volcich Tel + 381 11 3771 206


Head of CIB & PB Branislav Radovanovic Tel +381 11 3204 503


Head of Int. Desk Zoran Jevtovic Tel. +381 11 3204 533 Fax +381 11 3204 638


Niš

36

SLOVAKIA

UniCredit Bank

UniCredit Bank (www.unicreditbank.sk) ranks number 5 in Slovakia and is mostly a corporate bank, with focus on large and mid corporates.

UniCredit Bank enjoys a good positioning in mortgages as well as in private banking.

Country details

Bratislava

Kosice

BanskaBystrica

Zilina

Nitra

Poprad

Trnava

Presov

Figures*

Employees 1,183

Branches 81

Market share 6,7%



Contacts


Head of Retail Monika Kohutova Tel.: + 421 2 4950 3212; Fax ext.: 2545

email [email protected]

Head of CIB Miroslav Štrokendl Tel. +421 2 4950 4000


Head of PB Raymond Kopka Tel. +421 2 4950 2584; Fax: ext.2585 mail [email protected]

Head of Int. Desk Fabio Bini Tel. + 421 2 4950 2373 Fax: ext.3732 mail [email protected]

37

SLOVENIA

UniCredit Bank

UniCredit Bank is one the leading financial institutions in Slovenia. The bank is number 5 in the country, with a market share of around 6%.

The bank's customers include the majority of the country’s top companies. UniCredit Bank is market leader in services for international corporations.

Country details

Ljubljana

Koper

Maribor

Murska Sobota

Novo mesto

Ptui

Velenje

CeljeNova Gorica

Kranj

Figures*

Employees 550

Branches 26

Market share 5,9%



Contacts


Head of F & PB Francesco Vercesi Tel. +386 1 5876 585


Head of CIB & SME Janko Medja Tel. +386 1 5876 678Fax +386 1 5876 684


Head of Int. Desk Nataša Markov Tel. +386 1 5876 874


38

TURKEY

Yapi Kredi Country details

Figures*

Employees 16,618

Branches 943

Market share** 9,0%



*Figures as of June 30, 2011. Market share is in Total Assets. Operating income and Profit Before Tax are pro-quota. Including Yapi Kredi Azerbaijan. ** Market share of Yapi Kredi in Turkey.

Contacts

Yapi Kredi (www.yapikredi.com.tr), is the fourth largest private bank in Turkey with a market share of 9.0%.

It retains leading positions in credit cards, asset management, leasing, factoring, private pension funds and health insurance.

Head of Retail Nazan Somer Tel. +902123397272

Fax +902123396102 mail: [email protected]

Head of PB & Wealth ManagementMert Yazıcıoğlu

Tel. +9021233 97696 Fax +902123396125


Istanbul

Ankara

Head of CIB Mr. Mert Guvenen, tel: +90 2123397691

fax: +902123396138 e-mail: [email protected]

Head of Int. Desk Nicola Longo-Dente Tel. +90.212.3397988mail [email protected]




39

UKRAINE

Ukrsotsbank and UniCredit Bank

In Ukraine, UniCredit Group operates through Ukrsotsbank (www.usb.com.ua) and UniCredit Bank (www.unicredit.com.ua).

On aggregate, the two banks are number 5 on the local banking market with a share of 4.7%. Ukrsotsbank with 3.9% market share is one of the leading players in the market, mostly retail based.

Country details

Figures*

Employees 7,786

Branches 449

Market share 4,7%


Profit Before Tax** € 17 mln

*Figures as of June 30, 2011. Market share is in Total Assets. **Figures refer only to Ukrsotsbank.

Contacts

Kyiv

Odesa

Kharkiv

Dnipropetrovsk

Donetsk

Lviv

Head of Retail & PB Mauro Maschio Tel. +38 044 2301317 Fax +38 044 2301317


Head of CIB Kozachenko Sergey Tel. +38 044 2303222 mail [email protected]

Head of Int. Desk Roberto Poliak Tel. +38 044 5290583 Fax +38 044 5290583 mail [email protected]

40

CEE DIVISION - CONTACTS

CEE RETAIL

CEE Retail Head - Tomica Pustisek

UniCredit Bank Austria AGJulius Tandler-Platz, 31090 Vienna AustriaTel. +43.(0)5 05 05 53302/ +43.(0)5 05 05 53545

CEE PRIVATE BANKING

CEE PB Head - Stefan Vavti

UniCredit Bank Austria AGRenngasse, 31090 Vienna AustriaTel. +43.(0)5 05 05 51253

CEE CIB

CEE CIB Head - Gianfranco Bisagni

UniCredit Bank Austria AGJulius Tandler-Platz, 31090 Vienna AustriaTel. +43.(0)5 05 05 51733/ +43.(0)5 05 05 51701

unicredit profile - focus on central and eastern europe

Documents

unicredit employees

unicredit branches

employees of subsidiaries

unicredit corporate

unicredit private banking

number of employees

unicredit banca

private banking business