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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
4,775 Employees146 Branches
872 Employees74 Branches
3,725 Employees107 Branches
Russia**
Bulgaria
Serbia
Romania
1,183 Employees 81 Branches
Slovakia
550 Employees26 Branches
1,979 Employees135 Branches
Hungary
1,812 Employees87 Branches
Czech Rep.
Bosnia
Slovenia
Turkey***Croatia
2,988 Employees248 Branches
3,799 Employees226 Branches
19,476 Employees1,009 Branches
Poland*
Ukraine
7,786 Employees449 Branches
Kazakhstan
3,040 Employees115 Branches
1,801 Employees138 Branches
196 Employees8 Branches
Baltics
787 Employees41 Branches
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 at a glance
UniCredit in CEE – An overview
CEE and core country’s UniCredit banks profiles
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
~12.600 clients3.7 €bn TFA
~1.300 clients 0.4 €bn TFA
Russia
Bulgaria
Serbia
Romania
~1.500 clients0.4 €bn TFA
Slovakia
~700 clients0.3 €bn TFA
Hungary
Turkey
Ukraine
~1.300 clients 0.3 €bn TFA
~1000 clients 0.2 €bn TFA
~1.500 clients0.4 €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.
~2.400 clients 0.9 €bn TFA
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 at a glance
UniCredit in CEE - An overview
CEE and core country’s UniCredit banks profiles
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
Profit Before Tax € 1 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
mail [email protected]
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%
Operating income € 7 mln
*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%
Operating income € 62 mln
Profit Before Tax € 17 mln
*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%
Operating income € 157 mln
Profit Before Tax € 52 mln
Contacts
*Figures as of June 30, 2011. Market share is in Total Assets.
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
Fax +359 2 9232 877 mail [email protected]
Head of Int. Desk Aldo Andreoni Tel +359 2 9232 560
Fax +359 2 9232 389 mail [email protected]
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%
Operating income € 299 mln
Profit Before Tax € 116 mln
Contacts
*Figures as of June 30, 2011. Market share is in Total Assets.
Head of Retail Daniela Roguljić Novak Tel. +385(1)6104117; Fax + 385(1)6110544
mail [email protected]
Head of Investment bankingMarko RemenarTel +385(1)6305391 Fax +385(1)6176274
mail [email protected]
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
mail [email protected]
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%
Operating income € 193 mln
Profit Before Tax € 33 mln
*Figures as of June 30, 2011. Market share is in Total Assets.
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
Fax + 420 221 119 110 mail [email protected]
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]
28
HUNGARY
UniCredit Bank Country details
Figures*
Employees 1,979
Branches 135
Market share 5,4%
Operating income € 163 mln
Profit Before Tax € 47 mln
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
mail [email protected]
Head of CIB & PB Paolo Spada Tel. +36-1-301-1200; Fax +36-1-301-1108
mail [email protected]
Head of Int. Desk Paolo Garlanda Tel. +36-1-301-1207; Fax +36-1-301-5381
mail [email protected]
*Figures as of June 30, 2011. Market share is in Total Assets.
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
mail [email protected]
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
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
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
mail [email protected]
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%
Operating income** € 957 mln
Profit Before Tax** € 426 mln
*Figures as of June 30, 2011. Market share is in Total Assets.
**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%
Operating income € 144 mln
Profit Before Tax € 25 mln
*Figures as of June 30, 2011. Market share is in Total Assets.
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%
Operating income € 361 mln
Profit Before Tax € 262 mln
*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
mail [email protected]
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%
Operating income € 54 mln
Profit Before Tax € 28 mln
Contacts
*Figures as of June 30, 2011. Market share is in Total Assets.
Head of Retail Maurizio Volcich Tel + 381 11 3771 206
Fax + 381 11 3342 200 mail [email protected]
Head of CIB & PB Branislav Radovanovic Tel +381 11 3204 503
Fax + 381 11 3342 200 mail [email protected]
Head of Int. Desk Zoran Jevtovic Tel. +381 11 3204 533 Fax +381 11 3204 638
mail [email protected]
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%
Operating income € 59 mln
Profit Before Tax € 16 mln
Contacts
*Figures as of June 30, 2011. Market share is in Total Assets.
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
mail [email protected]
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%
Operating income € 42 mln
Profit Before Tax € 9 mln
Contacts
*Figures as of June 30, 2011. Market share is in Total Assets.
Head of F & PB Francesco Vercesi Tel. +386 1 5876 585
Fax + 386 1 5876 684 mail [email protected]
Head of CIB & SME Janko Medja Tel. +386 1 5876 678Fax +386 1 5876 684
mail [email protected]
Head of Int. Desk Nataša Markov Tel. +386 1 5876 874
Fax +386 1 5876 635 mail [email protected]
38
TURKEY
Yapi Kredi Country details
Figures*
Employees 16,618
Branches 943
Market share** 9,0%
Operating income € 506 mln
Profit Before Tax € 268 mln
*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
mail [email protected]
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%
Operating income** € 124 mln
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
mail [email protected]
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