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UNICREDIT PROFILE - FOCUS ON CENTRAL AND EASTERN EUROPE

UNICREDIT PROFILE - FOCUS ON CENTRAL AND EASTERN EUROPE. CEE Identity & Communications. Milan, November 2011. AGENDA. UniCredit at a glance UniCredit in CEE – An overview CEE and core country’s UniCredit banks profiles. 2.

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UNICREDIT PROFILE - FOCUS ON CENTRAL AND EASTERN EUROPE

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  1. UNICREDIT PROFILE - FOCUS ON CENTRAL AND EASTERN EUROPE CEE Identity & Communications Milan, November 2011

  2. AGENDA • UniCredit at a glance • UniCredit in CEE – An overview • CEE and core country’s UniCredit banks profiles 2

  3. UNICRED HAS SYSTEMATICALLY OPTED FOR BREAKTHROUGHS, ENABLING IT TO ACHIEVE EXCELLENT RESULTS … Organizational Simplification Turnaround Consolidation Selective Growth 1993 2010 1998 2001 2005 2007 One4C Privatization Federal Group S31 Central and Eastern Europe (CEE) Asset Management Entities Pioneer Investments HVB BA-CA CAPITALIA Leadership roles for individual countries in line with the multi-local approach. Creation of a single bank throught the integration of Italian legal entities Reorganization of the Group’s customer service model (segmentation) and the introduction of new incentive systems Completion of process of creating internal divisions, continued expansion into international markets with HVB and BA-CA, strengthening of domestic markets with Capitalia Integration of seven banks, centralization of IT systems and back office activity, start of international acquisitions • 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.

  4. … AND TO BECOME A MAJOR BANKING GROUP • Employees: over160,0001 • Branches: 9,5182 • Bankingoperationsin22countries • International network spanning : ~ 50 countries • Market leader in Central and Eastern Europe leveraging on the region’s structural strengths 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 consolidated proportionately, such as Koç Financial Service Group employees. 2Data as at June 30, 2011. These figures include all branches of subsidiaries consolidated proportionately, such as Koç Financial Services Group branches.

  5. UNICREDIT HAS A CLEAR INTERNATIONAL PROFILE BASED ON A STRONG EUROPEAN IDENTITY … Figures as of 1H 2011 UniCredit Shareholder Structure1(%) UniCredit Employees by Country 2(%) Others Italy Others** Institutional Investors Austria Italian Retail Investors Turkey Germany Poland Other Domestic Investors * UniCredit Branches by Region3(%) Austria Germany Poland Core Investors Italy CEE * It includes Italian corporations, banks and holding companies ** It includes unidentified shares owned by the Group and cashes 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.

  6. ... AND BENEFITS FROM A WELL - BALANCED REVENUES MIX BOTH BY BUSINESS LINES AND BY REGIONS Figures as of 1H 2011 Consolidated Total Revenues1 By Business Lines(%) By Region(%) Asset Management Private Banking Poland Austria CEE CIB2 Italy CEE F&SME Factories 25 F&SME Network Germany 1Data as at June 30, 2011. These figures refer to Condensed Income Statement. 2CIB: Corporate & Investment Banking. Division which includes the former divisions Corporate Banking and MIB

  7. THE GROUP CAN LEVERAGE ON ITS STRATEGIC GEOGRAPHICAL POSITIONING NOT ONLY IN ONE OF EUROPE’S WEALTHIEST AREAS … GDP per capita1 Ranking Market share2 Austria 144.0 No. 1 15.6% No. 3 Germany 3.0% 129.8 No. 2 108.6 13.9% Italy 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. Baltics Russia** 196 Employees 8 Branches 3,725 Employees 107 Branches Poland* Ukraine 19,476 Employees 1,009 Branches 7,786 Employees 449 Branches Czech Rep. 1,812 Employees 87 Branches Romania Slovakia 2,988 Employees 248 Branches 1,183 Employees 81 Branches Bulgaria Hungary 3,799 Employees 226 Branches 1,979 Employees 135 Branches Kazakhstan Slovenia 3,040 Employees 115 Branches 550 Employees 26 Branches Turkey*** Croatia Bosnia Serbia Kyrgyzstan 16,618 Employees 943 Branches 4,775 Employees 146 Branches 872 Employees 74 Branches 1,801 Employees 138 Branches 787 Employees 41 Branches … BUT IN CENTRAL AND EASTERN EUROPE TOO • 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 8 * Excluding OJSC UniCredit Bank Pekao in Ukraine ** Excluding Bank Sibir, which is consolidated into ATF Bank in Kazakhstan *** Including Yapi Kredi Azerbaijan

  9. UNICREDIT CAN RELY ON A STRONG COMPETITIVE ADVANTAGE COMING FROM ITS BUSINESS MODEL BASED ON SPECIALIZATION … • 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. Customer Centricity Multi-Local Approach • 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. Global Product Lines • 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. • 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. Global Services Lines

  10. AGENDA • UniCredit at a glance • UniCredit in CEE – An overview • CEE and core country’s UniCredit banks profiles

  11. Total Assets (1) EUR bn UNICREDIT CONFIRMS ITS LEADING POSITION IN THE CEE REGION Data as of 1H2011 CEE, % share in Group revenues Number of Branches Countries of presence (3) Net Profit (2) EUR mn 19 116 1,299 19 3,927 25 1,003 3,833 19 UniCredit 126 443 2,137 Erste (5) 3,266 (4) 83 (5) 519 2,922 RBI (7) (7) 35 (8) 1,802 (9) 12 391 72 (7) (6) (7) 351 1,180 KBC (11) (11) (10) 497 2,689 SocGen 198 1,524 ISP n.m. 280 1,473 OTP (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

  12. CEE RETAIL - THE FOOTPRINT Country Russia CEE RETAIL Over 21.000 Employees4 ~ € 21 bnLoans to Retail customers2 ~ € 20 bnDeposits from Retail customer2 (Market share Deposits; Market share Loans)1 (0.4%; 1,4%) Ukraine 3 Kazakhstan (3.5%; 8.0%) Czech. Rep. (5.4%; 10.4%) (3.1%; 2.5%) Slovakia (4.0%; 3.9%) Romania Hungary (2.7%; 5.0%) (5.6%; 4.0%) Slovenia Bulgaria5 (2.0%; 9.4%) (11.4%; 12.5%) Croatia Bosnia Serbia Turkey (24.9%; 24.6%) (23.9%; 25.1%) (3.0%; 4.9%) (8.0%;10.0%) 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 Latviawhere there’s no Retail operations. Source: UC CEE Strategic Analysis 2 Data as of 31/12/2010 at constant budget rate, Turkey pro quota. 3 Related only to UkrosotsBank 4 Total FTEs, Turkey pro quota 5 Excluding loans booked to UciFin

  13. CEE RETAIL - THE STRATEGY CUSTOMER CENTRICITY AND OPERATING EFFICIENCY Increase the customer value added through need based advisory Customer acquisition • Top mass • Affluent • Small business clients Excellence in: • Underwriting • Operational efficiency

  14. CEE CIB - THE BACKGROUND 2009- 2010 2006-2008 • 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 End 2005 • 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 Acquisition of HVB/BA-CA Group Evolution CEE Corporate (corporate banking) New Europe Corporate (corporate banking) CEE CIB (Corporate &Investment Banking) Governance MIB Division / CAIB (Investment Banking) MIB Division / CAIB (Investment Banking) • 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 Skills 14

  15. Country Baltics Russia Market position TOP 10 TOP 10 Ukraine Kazakhstan TOP 5 Czech. Rep. TOP 5 TOP 4 Slovakia TOP 5 Romania Hungary TOP 7 TOP 7 Slovenia Bulgaria TOP 5 # 1 Croatia Bosnia Serbia Turkey # 1 # 1 TOP 4 TOP 4 CEE CIB - THE FOOTPRINT CEE Franchisee Network… …. CEE CIB Market Share* CZ 15,5% SK 12,6% HU 9,0% SI 5,7% HR 22,4% SRB 7,6% BH 14,2% RO 8,0% BG 16,9% BALTICS 2,9% TK 10,3% RU 2,4% UA 3,8% KZ 8,6% Over 1.800 Relationship Managers ~ € 40 bn loans to CIB customers ~ € 24 bn deposits from CIB customers CEE CIB SNAPSHOTS 15 * 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

  16. CEE CIB – CONTRIBUTION Vs CEE DIVISION PROFIT BEFORE TAXES REVENUES CEE DIVISION: 4.301 EUR mn Other CEE CEE DIVISION: 940 EUR mn Other CEE CEE CIB CEE CIB ~30% (278) ~43% (1.862) ~57% (2.439) ~70% (662) DEPOSIT VOLUMES eop LOAN VOLUMES eop CEE DIVISION: 51,1 EUR bn CEE DIVISION: 62,0 EUR bn CEE Other Other CEE CEE CIB CEE CIB ~39% (24,4) ~45% (23,0) ~61% (37,6) ~55% (28,1) Figures at constant (10 BUD) FX rates Other CEE includes CEE Retail, CEE Private, CEE Other, Profit Center Vienna TK at 41%. CIB KZT w/o SNT TK opex estimated SOURCE: Managerial data – Business Area Report (BAR), CEE Division Management Report 16 CEE CIB HAS BEEN MAJOR CONTRIBUTOR (~70%) OF TOTAL DIVISION PROFIT IN 2010

  17. CEE PRIVATE BANKING - THE FOOTPRINT Russia CEE PRIVATE BANKING Over 26.000Clients ~ €7.95 bn Total Financial Assets (TFA) 520 Employees ~1.300 clients 0.4 €bn TFA Czech. Rep. Ukraine ~2.400 clients 0.9 €bn TFA Kazakhstan ~1.150 clients 0.25 € bn TFA ~1.500 clients 0.4 €bn TFA Slovakia ~1.500 clients 0.4 €bn TFA Romania Hungary ~1000 clients 0.2 €bn TFA ~700 clients 0.3 €bn TFA Slovenia Bulgaria ~300 clients 0.1 €bn TFA ~1.300 clients 0.3 €bn TFA Croatia Serbia Turkey ~12.600 clients 3.7 €bn TFA ~2.500 clients 1.0 €bn TFA 400 clients 0.03 €bn TFA TFA: Total Financial Assets Source: figures as at 1H2011 including Turkey at 41%

  18. CZECH REP. RUSSIA Jan Tronícek +420 224 121 610 jan.tronicek@unicreditgroup.cz Igor Ryabov +7 495 258-7258 Igor.Ryabov@unicreditgroup.ru SLOVAKIA KAZAKHSTAN Raymond Kopka + 421 2 4950 2584 raymond.kopka@unicreditgroup.sk Assel Nurmanbetova + 7 777 440 1180 nurmanbetova@atfbank.kz SLOVENIA Adel Ayari +386 1 5876 670 adel.ayari@unicreditgroup.si CROATIA UKRAINE Vladimir Racic +385 1 613 6859 vladimir.racic@unicreditgroup.zaba.hr Mauro Maschio +38 (044) 230 13 70 Mauro.Maschio@unicreditgroup.eu HUNGARY ROMANIA SERBIA BULGARIA TURKEY Péter Mozol +36 1 336 21 83 peter.mozol@unicreditgroup.hu Anca Eremia +40 21 200 2321 anca.eremia@unicredit.ro Ivan Djonov +359 2 923 3955 ivan.djonov@unicreditgroup.bg Mert Yazicioglu +90 212 339 7449 mert.yazicioglu@yapikredi.com.tr CEE PRIVATE BANKING – HEADS’ CONTACT DETAILS Jasmina Benkirane-Stanivuk +381 11 3770 988 jasmina.benkiranestanivuk@unicreditbank.rs

  19. AGENDA • UniCredit at a glance • UniCredit in CEE - An overview • CEE and core country’s UniCredit banks profiles 19

  20. Figures* Employees ~10,000 Branches >300 Market share 15,6% Operating income € 3,545 mln Profit Before Tax € 838 mln AUSTRIA Bank Austria Country details 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. Vienna Contacts Head of F&SME Rainer Hauser  Tel. + 43(0)50505 - 58700                  Fax + 43(0)50505 - 56055  mail rainer.hauser@unicreditgroup.at Head of CIB Dieter Hengl Tel. +43(0)50505 – 4800 Fax +43(0)50505 - 48003 mail dieter.hengl@unicreditgroup.at Head of PBRobert Zadrazil Tel + 43(1)53471 - 1100 Fax + 43(1)53 471 - 1319 mail robert.zadrazil@schoellerbank.at 20 *Figures as at 30 June 2011, but market share as at Sept. 2010. Market share is in Total Assets.

  21. Figures* Employees 154 Branches 8 Market share 0,5% Operating income € 3 mln Profit Before Tax € 1 mln AZERBAIJAN Yapi Kredi Azerbaijan Country details Yapi Kredi Azerbaijan(www.yapikredi.com.az) is a commercial universal bank with a market share of around 0,5%. Baku Contacts Head of Retail Mehmet Erkan Akbulut Tel +994124970255-190 Ext Fax + 9944978019 mail erkan.akbulut@yapikredi.com.az Head of CIB & PBMehmet Erkan Akbulut Tel. +994124970255-190 Ext Fax. + 9944978019 mail erkan.akbulut@yapikredi.com.az *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.

  22. Figures* Employees 196 Branches 8 Market share 1,5% Operating income € 7 mln BALTICS UniCredit Bank in Latvia, Estonia and Lithuania Country details UniCredit Bank(www.unicreditbank.ee; www.unicreditbank.lt and www.unicreditbank.lv) focuses on corporate business in the Baltic countries. UniCredit Bankis among the top 10 local banks in all three Baltic countries, with a market share of nearly 2%. Tallinn Riga Klaipeda Vilnius Contacts Head of CIBAlgimantas Kundrotas Tel +371 67 085 500 Fax +371 67 085 507 mail algimantas.kundrotas@unicreditgroup.lv Head of GTBMaris Strazds Tel +371 67 085 729 Fax+371 67 085 507 mail maris.strazds@unicreditgroup.lv Head of Int. Desk Alessandro Natili Tel +371 67 085 545 Fax +371 67 085 507 mail alessandro.natili@unicreditgroup.lv *Figures as of June 30, 2011. Market share is in Total Assets.

  23. Figures* Employees 1,801 Branches 138 Market share 20,6% Operating income € 62 mln Profit Before Tax € 17 mln BOSNIA AND HERZEGOVINA UniCredit Bank and UniCredit Bank Banja Luka Country details 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. Banja Luka Tuzla Bihac Travnik Zenica Sarajevo Mostar Contacts Head of RetailHrvoje Lovrić Tel. +38736356293 - Fax +38736356229 hrvoje.lovric@unicreditgroup.ba Head of CorporateAlek Bakalović Tel. +38733491708 - Fax +38733491690 alek.bakalovic@unicreditgroup.ba Head of Financial MarketsAdnan Šećibović and Investment BankingTel. +38733491849 Fax +38733491611 adnan.secibovic@unicreditgroup.ba Head of Int. Desk Ilvana Dugalija Tel. +38733491656 - Fax +38733217679 ilvana.dugalija@unicreditgroup.ba *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.

  24. Figures* Employees 3,799 Branches 226 Market share 15,3% Operating income € 157 mln Profit Before Tax € 52 mln BULGARIA UniCredit Bulbank Country details 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. Dulovo Ruse Vidin Varna V.Turnovo Karnobat Sofia Bourgas Blagoevgrad Plovdiv Contacts Head of Retail Pasquale Giamboi Tel +359 2 9232 601 Fax +359 2 9232 877 mail pasquale.giamboi@unicreditgroup.bg Head of CIB & PB Michele Amadei Tel + 359 2 9232 600 Fax +359 2 9232 877 mail michele.amadei@unicreditgroup.bg Head of Int. Desk Aldo Andreoni Tel +359 2 9232 560 Fax +359 2 9232 389 mail aldo.andreoni@unicreditgroup.bg *Figures as of June 30, 2011. Market share is in Total Assets.

  25. Zagreb Osijek Rijeka Pula Zadar Imotski Figures* Employees 4,775 Branches 146 Market share 25,6% Operating income € 299 mln Profit Before Tax € 116 mln Split Dubrovnik CROATIA Zagrebačka banka Country details 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. Contacts Head of Retail Daniela Roguljić Novak Tel. +385(1)6104117; Fax + 385(1)6110544 mail daniela.roguljic@unicreditgroup.zaba.hr Head of Corporate and Private banking Milivoj Goldštajn Tel. +385(1)6305401; Fax +385(1)6176274 mail milivoj.goldstajn@unicreditgroup.zaba.hr Head of Investment banking Marko Remenar Tel +385(1)6305391 Fax +385(1)6176274 mail marko.remenar@unicreditgroup.zaba.hr Head of Int. Desk Zoran Ferber Tel +385(1)6305437 Fax +385(1)6176274 mail zoran.ferber@unicreditgroup.zaba.hr *Figures as of June 30, 2011. Market share is in Total Assets.

  26. Chomutov Karlovy Vary Ostrava Pardubice Praha Plzen Olomouc Zlín Brno Figures* Employees 1,812 Branches 87 Market share 6,1% Operating income € 193 mln Profit Before Tax € 33 mln CZECH REPUBLIC UniCredit Bank Country details 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. Contacts Head of F&SMEs Dušan Hladný Tel + 420 955 961 110 Fax + 420 221 119 110 mail dusan.hladny@unicreditgroup.cz Head of CIB & PB David Grund Tel + 420 955 961 100 Fax + 420 221 119 110 mail david.grund@unicreditgroup.cz Head of Int. Desk Alfredo Iuzzolini Tel + 420 955 960 531 mail alfredo.iuzzolini@unicreditgroup.cz *Figures as of June 30, 2011. Market share is in Total Assets.

  27. GERMANY UniCredit Bank AG (HypoVereinsbank) Country details UniCredit Bank AGWith 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. Kiel Hamburg Düsseldorf Berlin Hannover Dortmund Leipzig Düsseldorf Köln Frankfurt/Main Bayreuth Würzburg Nürnberg Mannheim Regensburg Stuttgart Passau Augsburg Ulm München Contacts Rosenheim Head of FSMEPeter Buschbeck Tel. +49 89/378-28110 email: peter.buschbeck@unicreditgroup.de Figures* Employees 21,037 Branches 852 Market share 3,5% Operating income € 3,733 mln Profit Before Tax € 1,920 mln Head of CIB Lutz Diederichs Tel. +49 89/378-20190 email:lutz.diederichs@unicreditgroup.de Head of PB Jürgen Danzmayr Tel. +49 89/378-25333 email: Juergen.Danzmayr@unicreditgroup.de *Figures as at 30 June 2010. Market share is in Total Assets. Figures = HVB Group in Germany.

  28. Miskolc Eger Győr Sopron Nyíregyháza Budapest Debrecen Szolnok Szombathely Veszprém Kecskemét Zalaegerszeg Kaposvár Szeged Pécs Figures* Employees 1,979 Branches 135 Market share 5,4% Operating income € 163 mln Profit Before Tax € 47 mln HUNGARY UniCredit Bank Country details 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. Contacts Head of Retail Csilla Ihász Tel. +36-1-301-5115; Fax +36-1-301-1108 mail csilla.ihasz@unicreditgroup.hu Head of CIB & PB Paolo Spada Tel. +36-1-301-1200; Fax +36-1-301-1108 mail paolo.spada@unicreditgroup.hu Head of Int. Desk Paolo Garlanda Tel. +36-1-301-1207; Fax +36-1-301-5381 mailpaolo.garlanda@unicreditgroup.hu *Figures as of June 30, 2011. Market share is in Total Assets.

  29. Figures* Employees 3,040 Branches 115 Market share 8,8% Operating income** € 82 mln KAZAKHSTAN ATFBank Country details 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. Astana Almaty Contacts Head of Retail Nikoloz Kurdiani Tel. +7 727 258-31-11 *1938Fax +7 727 250 19 95 mail kurdiani@atfbank.kz Head of CIB & PB Mukhabbat Seitova Tel. + 7 727 258-31-12 *1903 Fax +7 727 250 19 95 mail mukhabbat@atfbnk.kz Head of Int. Desk Alika Surtayeva Tel. +7 727 258-30-11*2464 Fax + 7 727 258 13 91 mail Alika.Surtayeva@atfbank.kz *Figures as of June 30 2011. Market share is in Total Assets. Including Bank Sibir. **Including ATF Bank in Kyrgyzstan.

  30. Figures* Employees 787 Branches 41 Market share 14% Operating income ** € 10 mln Profit Before Tax ** € 4 mln KYRGYZSTAN ATFBank Country details 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. Bischkek Contacts Head of Retail Kim Alexander Tel. +999312 66-29-20 Fax +999312 375050 kim@unicreditbank.kg Head of CIB & PB Aliya Chynybayeva Tel. + 996312 37-47-47 Fax +999312 375050 kalimova@unicreditbank.kg Head of Int. Desk Aliya Chynybayeva Tel. + 996312 37-47-47 Fax +999312 375050 kalimova@unicreditbank.kg *Figures as of June 30, 2011, but market share as at Sept. 2010. Market share is in Total Assets. **Consolidated into ATFBank in Kazakhstan.

  31. Figures* Employees 45,640 Branches 4,408 Market share 14,9% Operating income € 6,273 mln Profit Before Tax € 1,012 mln ITALY (UNICREDIT SpA incl.) UniCredit Country details 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 Milan Verona Turin Bologna Rome Naple Palermo Contacts Head of F&SMEs Frederik Geertman Tel +39 051 6408469 mail frederik.geertman@unicredit.eu Head of CIB Alessandro Cataldo Tel. +39 02 88628252 mail alessandro.cataldo@unicredit.eu Head of PB Dario Prunotto    Tel +39 011 5605502 mail dario.prunotto@unicredit.eu *Figures as at 31 June 2011, but market share as at May 2011. Market share is in Deposit. Operating Income: Total Revenues.

  32. Gdańsk Szczecin Warszawa Poznań Łodź Wrocław Lublin Katowice Kraków Figures* Employees 19,476 Branches 1,009 Market share 10,7% Operating income** € 957 mln Profit Before Tax** € 426 mln POLAND Bank Pekao SA Country details Bank Pekao SAhas been operating for over 80 years and itis 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. Contacts Head of F&SMEs Christina Dariusz Tel. +  48 225245350              Email: dariusz.chrastina@pekao.com.pl Head of Large Companies Department Drozd Renata Tel. +  48 225246446 Email: renata.drozd@pekao.com.pl Head of PB      Waleczak Michal Tel. + 48 226613088              Fax +48 228283268 Email: michal.waleczak@pekao.com.pl Head of Int. Desk     Gastol Katarzyna Tel. + 48 225246133                Email: katarzyna.gastol@pekao.com.pl *Figures as of June 30, 2011. Market share is in Total Assets. **Figures include OJSC UniCredit Bank Pekao in Ukraine.

  33. Oradea Cluj-Napoca Sibiu Timisoara Brasov Ploiesti Bucharest Constanta Figures* Employees 2,988 Branches 248 Market share 5,8% Operating income € 144 mln Profit Before Tax € 25 mln ROMANIA UniCredit Tiriac Bank Country details 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 Head of Retail Emanuele Butta Tel. +4021.200.14.01 Fax: +4021.232.62.13 mail emanuele.butta@unicredit.ro Head of CIB & PB Marco Esposito Tel. + 4021.200.17.01 Fax + 4021.232.62.13 mail marco.esposito@unicredit.ro Head of Int. Desk Roberto Fiorini Tel. + 021.200.16.10 Fax + 4021.232.62.13 mail roberto.fiorini@unicredit.ro *Figures as of June 30, 2011. Market share is in Total Assets.

  34. St. Petersburg Moscow Rostov-on-Don Ekaterinburg Chelyabinsk Krasnodar Figures* Employees 3,725 Branches 107 Market share 2,0% Operating income € 361 mln Profit Before Tax € 262 mln RUSSIA ZAO UniCredit Bank Country details 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 Contacts Head of Retail Eduard Issopov Tel. +7(495) 258-7203; Fax +7(495) 258-7272 mail eduard.issopov@unicreditgroup.ru Head of CIB & PB Kirill Zhukov-Emelyanov Tel. +7(495) 723-7102 ; Fax +7(495) 258-7272 mail Kirill.Zhukov-Emelyanov@unicreditgroup.ru Head of International Clients Unit Petra Kellner Tel. +7 (495) 258-7292 ; Fax +7(495) 258-7272 mail petra.kellner@unicreditgroup.ru Head of Italian Desk-CBBM Team Massimiliano Giuliani Tel. +7(495) 723-7126; Fax +7(495) 258-7272 massimiliano.giuliani@unicreditgroup.ru *Figures as of June 30, 2011. Market share is in Total Assets. Excluding Bank Sibir, which is consolidated into ATF Bank in Kazakhstan.

  35. Figures* Employees 872 Branches 74 Market share 6,7% Operating income € 54 mln Profit Before Tax € 28 mln SERBIA UniCredit Bank Country details Subotica 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. Novi Sad Belgrade Kragujevac Niš Contacts Head of Retail Maurizio Volcich Tel + 381 11 3771 206 Fax + 381 11 3342200 mail maurizio.volcich@unicreditgroup.rs Head of CIB & PBBranislav Radovanovic Tel +381 11 3204 503 Fax + 381 11 3342 200 mail branislav.radovanovic@unicreditgroup.rs Head of Int. Desk Zoran JevtovicTel. +381 11 3204 533Fax +381 11 3204 638 mail zoran.jevtovic@unicreditgroup.rs *Figures as of June 30, 2011. Market share is in Total Assets.

  36. Zilina Presov Poprad Kosice BanskaBystrica Trnava Nitra Bratislava Figures* Employees 1,183 Branches 81 Market share 6,7% Operating income € 59 mln Profit Before Tax € 16 mln SLOVAKIA UniCredit Bank Country details 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. Contacts Head of Retail Monika Kohutova Tel.: + 421 2 4950 3212; Fax ext.: 2545 email monika.kohutova@unicreditgroup.sk Head of CIB Miroslav Štrokendl Tel. +421 2 4950 4000 mail miroslav.strokendl@unicreditgroup.sk Head of PB Raymond Kopka Tel. +421 2 4950 2584; Fax: ext.2585 mail raymond.kopka@unicreditgroup.sk Head of Int. DeskFabio Bini Tel. + 421 2 4950 2373Fax: ext.3732 mail fabio.bini@unicreditgroup.sk *Figures as of June 30, 2011. Market share is in Total Assets.

  37. Murska Sobota Maribor Velenje Kranj Ptui Ljubljana Celje Nova Gorica Novo mesto Koper Figures* Employees 550 Branches 26 Market share 5,9% Operating income € 42 mln Profit Before Tax € 9 mln SLOVENIA UniCredit Bank Country details 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. Contacts Head of F & PB Francesco Vercesi Tel. +386 1 5876 585 Fax + 386 1 5876 684 mail francesco.vercesi@unicreditgroup.si Head of CIB & SME Janko Medja Tel. +386 1 5876 678 Fax +386 1 5876 684 mail janko.medja@unicreditgroup.si Head of Int. Desk Nataša Markov Tel. +386 1 5876 874 Fax +386 1 5876 635 mail natasa.markov@unicreditgroup.si *Figures as of June 30, 2011. Market share is in Total Assets.

  38. Istanbul Ankara Figures* Employees 16,618 Branches 943 Market share** 9,0% Operating income € 506 mln Profit Before Tax € 268 mln TURKEY Yapi Kredi Country details 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. Contacts Head of RetailNazan Somer Tel. +902123397272 Fax +902123396102 mail: nazan.somer@yapikredi.com.tr Head of CIB Mr. Mert Guvenen,   tel: +90 2123397691 fax: +902123396138 e-mail: mert.guvenen@yapikredi.com.tr Head of PB & Wealth Management Mert Yazıcıoğlu Tel. +902123397696Fax +902123396125 mail mert.yazicioglu@yapikredi.com.tr Head of Int. Desk Nicola Longo-Dente Tel. +90.212.3397988 mail nicola.longodente@yapikredi.com.tr *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.

  39. Kyiv Kharkiv Lviv Dnipropetrovsk Donetsk Odesa UKRAINE Ukrsotsbank and UniCredit Bank Country details 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. Contacts Head of Retail & PB Mauro Maschio Tel. +38 044 2301317 Fax +38 044 2301317 mail MMaschio@ukrsotsbank.com Figures* Employees 7,786 Branches 449 Market share 4,7% Operating income** € 124 mln Profit Before Tax** € 17 mln Head of CIB Kozachenko Sergey Tel. +38 044 2303222 mail Sergey.Kozachenko@ukrsotsbank.com Head of Int. Desk Roberto Poliak Tel. +38 044 5290583 Fax +38 044 5290583 mail Roberto.Poliak@unicredit.ua *Figures as of June 30, 2011. Market share is in Total Assets. **Figures refer only to Ukrsotsbank.

  40. CEE DIVISION - CONTACTS CEE RETAIL CEE Retail Head - Tomica Pustisek UniCredit Bank Austria AG Julius Tandler-Platz, 3 1090 Vienna Austria Tel. +43.(0)5 05 05 53302/ +43.(0)5 05 05 53545 CEE CIB CEE CIB Head - Gianfranco Bisagni UniCredit Bank Austria AG Julius Tandler-Platz, 3 1090 Vienna Austria Tel. +43.(0)5 05 05 51733/ +43.(0)5 05 05 51701 CEE PRIVATE BANKING CEE PB Head - Stefan Vavti UniCredit Bank Austria AG Renngasse, 3 1090 Vienna Austria Tel. +43.(0)5 05 05 51253

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