UniCredit in Central & Eastern Europe

UniCredit in Central & Eastern Europe Profile Life is full of ups and downs. We’re there for both. Welcome to Who we are UNICREDIT AT A GLANCE We ...
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UniCredit in Central & Eastern Europe Profile

Life is full of ups and downs. We’re there for both.

Welcome to

Who we are UNICREDIT AT A GLANCE We are one of Europe’s leading commercial banks. We operate directly in 17 countries with more than 148,000 employees and around 8,600 branches. Because we are committed to generating value for our customers, we stay closely connected to the communities in which we operate and offer concrete support for the real economy every day. Fairness, transparency, respect, trust, reciprocity and freedom of action are the values that inspire our work. Based on these values, every one of us at UniCredit aspires to excellence and strives to make our personal and professional relationships simple and efficient. It is important to us to provide solid answers and real benefits that meet the financial needs of all our customers. This is the brand promise that distinguishes our Group - a promise that we execute with passion. This passion can be seen, for example, in our sponsorship of the UEFA Champions League. Our role, as the official bank of this important sporting competition, represents a concrete way to share an emotional connection with millions of fellow sports enthusiasts. To us, banking is about building human relationships on the basis of our understanding of our customers as people - rather than just as customers. GROUP FIGURES AS AT SEPTEMBER 30, 2014 (€ MILLION) TOTAL ASSETS

858,013

OPERATING INCOME

16,863

OPERATING PROFIT

6,531

NET PROFIT1

1,837

SHAREHOLDERS’ EQUITY

51,357

COMMON EQUITY TIER 1 RATIO

10.73%

TOTAL CAPITAL RATIO

14.90%

1. Adjusted net profit net of extraordinary one-off write-downs.

2

REVENUES BY REGION (%)2 8

18

18

CEE

8

Poland Italy Germany Austria

48 2. Data as at September 30, 2014.

AUSTRIA AZERBAIJAN BOSNIA AND HERZEGOVINA BULGARIA CROATIA

TOTAL EMPLOYEES (%)3 6 14

33

CZECH REPUBLIC GERMANY HUNGARY ITALY POLAND ROMANIA

148,447

1

TOTAL BRANCHES (%)4 9

34

8,659

31 28

CEE

CEE

Poland

Poland

Italy

Italy

Germany

12

RUSSIA SERBIA SLOVAKIA SLOVENIA TURKEY UKRAINE

Austria Others

3. Data as at September 30, 2014. FTE = “Full Time Equivalent”: number of employees counted for the rate of presence. Data for CEE includes Yapi Kredi employees in Turkey and Azerbaijan.

47

12

Germany Austria Others

4. Data as at September 30, 2014. Data for CEE includes Yapi Kredi branches in Turkey and Azerbaijan.

3

Who we are UNICREDIT IN CENTRAL & EASTERN EUROPE UniCredit is market leader in Central and Eastern Europe (CEE) with a direct presence in 14 countries, in addition to the Representative Offices in Montenegro and FYR of Macedonia, and the Leasing Business in Baltics. We leverage on a solid franchise in Central and Eastern Europe (CEE): the largest and most diversified in the Region. CEE EMPLOYEES1 CEE BRANCHES

68,452 3,420

1

CEE FIGURES AS AT SEPTEMBER 30, 2014 (€ MILLION) TOTAL ASSETS2

147,100

OPERATING INCOME3

4,313

OPERATING PROFIT

2,481

3

NET PROFIT3 SHARE OF GROUP REVENUES

1,149 26%

TOTAL CUSTOMERS LOANS

~ 85,000

TOTAL CUSTOMERS DEPOSITS4

~ 80,000

The Group's market position in CEE provides local banks with substantial competitive advantages, such as strong brand recognition and access to international markets. This includes the sharing of best practices, significant economies of scale, access to international markets and strong brand recognition.

1. The f igures include: Azerbaijan, Bosnia & Herzegovina, Bulgaria, Czech Republic, Croatia, Hungary, Poland, Romania, Russia, Serbia, Slovenia, Slovakia, Turkey, Ukraine 2. Note: (1) 100% of total assets for controlled companies (stake > 50%) and pro rata for non- controlled companies (stake < 50%) 3. Including direct and indirect presence in the above-mentioned countries in CEE countries, excluding representative offices 4. Including securities in issue

4

THE LEADING BANK IN THE REGION UniCredit is ranked among the top five banks in 9 CEE countries1. Czech Republic 8.7% market share 106 branches

#4

Poland 10.5% market share 1,001 branches

#2

Baltics Leasing

Slovakia 6.5% market share 78 branches

#6

Russia 1.5% market share 108 branches

#9

Hungary 6.4% market share 85 branches

#6

Ukraine 3.6% market share 309 branches

#6

Slovenia 7% market share 33 branches

#5

Romania 7.2% market share 185 branches

#5

Croatia 26.6% market share 137 branches

#1

Bulgaria 15.2% market share 202 branches

#1

Bosnia and Herzegovina 21.5% market share 122 branches

#1

Turkey 9.1% market share 978 branches

#5

Serbia 9.1% market share 73 branches

#3

Azerbaijan 16 branches Rep. Office in FYR Macedonia and Montenegro

1. Market share in terms of total assets 2Q 2014, according to local accounting standard, unconsolidated figures (Bosnia & Herzegovina, Bulgaria, Czech Republic, Hungary, Russia, Serbia, Turkey, Ukraine) local accounting standard, consolidated figures (Croatia) IFRS (Poland, Romania, Slovakia, Slovenia). Croatia and Hungary includes mortgage bank. Data as of June 30th, 2014, except Hungary (FY2013), Romania (1Q 2014). Branches: data as at 30 September 2014. Bosnia & Herzegovina includes UniCredit Bank Banja Luka. Azerbaijan includes Yapi Kredi branches. Source: UniCredit CEE Strategic Analysis

5

UniCredit Mission in CEE THE STRATEGIC PARTNER FOR INTERNATIONAL AND MULTINATIONAL CLIENTS • Being a rock-solid, pan-European bank allows us to leverage our best-in-class products, services and know-how to serve our customers. • With a clear understanding of the difficulties that come with managing an international business, we offer customers our deep knowledge of CEE markets. This includes expertise in local regulations and market practices, as well as fluency in the local languages. We support customers in running their businesses and finding new opportunities in a manner that takes into account the Region’s varied commercial and political contexts. • We are #1 bank in corporate sector in the CEE Region, with: – 1,900 Relationship Managers1 – ~ € 52 bn loans to CIB customers2 – ~ € 31 bn deposits from CIB customers2 • Throughout the Region, our local banks enable us to support customers’ cross-border operations and business development. In fact, through our UniCredit International Centers, we serve – More than 12,500 German, Italian and Austrian clients operating in CEE – For a total of around 23,000 international clients in the Region UniCredit International Centers UniCredit International Centers are dedicated offices/international customer units specialized in cross-border business, speaking multiple languages and having a deep local market knowledge. They represent a single point of entry for all potential investors. UniCredit International Centers provide customers with a 360° support banking product selection: from a simple cross border current account opening to more complex structured financial solutions. In addition, they guarantee the following services: identifying commercial partners, advisory activities, fiscal and legal support. Finally, they cover the whole credit process for the clients.

1. As of September 2014, incl. junior RMs and assistants. Poland not included. 2. As of September 2014, incl. local CIB and Profit Centre Vienna. Poland and Leasing non included

6

THE PARTNER FOR SEIZING NEW BUSINESS OPPORTUNITIES EU Funds • As one of the leading financial institutions within the European Union, UniCredit supports customers in gaining access to EU Funds and to seize new business opportunities • UniCredit offers clients an excellent combination between full coverage of the CEE Region and EUrelated know-how, such as: – Identification of EU subsidized financing (EUR 228 billion1 available in CEE2 for the programming period 2014-2020) – E xcellent cooperation with European financial institutions (e.g. EIB, EIF and EBRD) • UniCredit runs dedicated European Competence Centers in Bulgaria, Croatia, Czech Republic, Hungary, Poland, Romania, Serbia, Slovakia and Slovenia with full first class service: – Advisory –G  uarantees & Letters of intent –B  ridge financing – Investment financing

~23,000 CEE CIB international companies

In CEE, we are leader with our Corporate & Investment Banking supporting international clients operating in the Region through the UniCredit International Centers network. Cross-border services are in UniCredit DNA.

79

TRI*M Index score3

Our consistent and strong service quality makes us the Region’s leader in customer satisfaction (global peers average in CEE: 68)

1. Cohesion and Rural Development Policies, excl. Direct Payments. 2. CEE: Bulgaria, Croatia, Czech Republic, Hungary, Latvia, Poland, Romania, Slovakia, Slovenia, Lithuania, Estonia. 3. The TRI*M Index (Measurement, Management and Monitoring) measures the intensity of the relationship across all interest groups that have a stake in the company. The information is based on surveys/interviews and is provided by TSN - a leading independent global provider of market information.

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UniCredit Achievements A LEADING FINANCIAL POWERHOUSE IN CEE League Table positions in 2014 (1 Jan - 30 Sep 2014) Project Finance in Eastern Europe POS MANDATED ARRANGER

Financial Advisors to CEE* M&A by No. of Deals

DEAL VALUE NO. (EUR MN)

SHARE %

POS FINANCIAL ADVISORS

1 ING Groep NV

446

7

13.6

1 KPMG

2 UniCredit

397

8

12.1

2 Deloitte

3 Crédit Agricole SA

345

4

10.5

4 BNP Paribas SA

167

3

5 Export Development Canada - EDC

155

2

6 KBC Group NV

155

2

4.7

7 Erste Group Bank AG

149

4

4.5

8 Royal Bank of Canada

117

2

3.5

9 Société Générale

115

2

3.5

105

1

3.2

10 Banco Bilbao Vizcaya Argentaria SA - BBVA Total

DEAL VALUE (EUR MN)

NO.

1,230

17

518

15

3 UniCredit

2,384

14

5.1

4 Sberbank CIB

6,334

11

4.7

4 EY

220

11

6 Citi

4,022

10

6 Rothschild

1,486

10

105

10

2,394

8

785

8

3,294 16 100.00

6 PwC 9 VTB Capital ZAO 9 UBS Investment Bank

Period: 1 Jan - 30 Sep 2014; Source: Mergermarket, per 10 Oct 2014 * incl. Russia, Turkey, Poland

Period: 1 Jan - 30 Sep 2014; Source: Dealogic ProjectWare, per 9 Oct 2014

Eastern Europe Syndicated Loans (all Asset Classes) POS Bookrunner

Deal Value No. Share* (EUR mn) %

Pos Bookrunner

Deal Value No. (EUR mn)

Share % 10.8

1 ING

1,326 18

3.8

1 Citi

2,735 14

2 UniCredit

1,273 13

3.6

2 Société Générale CIB

2,616 11

10.3

3 RBS

1,244

6

3.5

3 UniCredit

2,566 15

10.1

4 Société Générale CIB

1,175 11

3.3

4 JPMorgan

2,327

9

9.2

5 Citi

1,124 13

3.2

5 Deutsche Bank

2,114 11

8.3

6 Deutsche Bank

1,092 11

3.1

6 BNP Paribas

1,568 10

6.2

7 HSBC

731 11

2.1

7 HSBC

1,536

6

6.1

8 Commerzbank Group

687 14

1.9

8 Barclays

1,50

7

5.9

9 BNP Paribas

667

9

1.9

9 Erste Group Bank AG

1,028

6

4.1

564 11

1.6

916

5

3.6

10 Standard Chartered Bank Total

35,350 96 100.00

Period: 1 Jan - 30 Sep 2014; Source: Dealogic Loanware, per 10 Oct 2014 * Bookrunner market share is a proportion of bookrunner-led loan volume only

8

All Eastern European Bonds in EUR

10 ING Total

25,337 39 100.00

Period: 1 Jan - 30 Sep 2014; Source: Dealogic Analytics, per 6 Oct 2014

Latest Awards in Central and Eastern Europe AWARDS Syndicated loans, project finance, corporate structured finance

• Best Project Finance House in CEE in 2013 - Award for Excellence - Euromoney • Financial Advisor of the Year in CEE 2013 - Financial Times and Merger Market M&A Awards • Best Project Finance Adviser in CEE in 2013 - EMEA Finance • #1 Best Arranger of Loans in CEE - EuroWeek - Syndicated Loan Awards 2013 • Deal of the Year Award 2013 - Euroweek

Cash management

• Best Overall Bank for Cash Management in CEE in 2013 and 2014 - Global Finance • #1 Cash Management House in Bulgaria, Hungary and Slovenia in 2014 - Euromoney • Best Bank for Payments & Collections in CEE 2013 - Global Finance • Best Cash Management House in CEE in 2013 - Award for Excellence - Euromoney • Best Bank in Bosnia & Herzegovina in 2013 - Award for Excellence - Euromoney

Export, trade & supply chain finance

• # 1 Trade Finance Provider in CEE in 2014 - Euromoney Trade Finance Survey • #1 Trade Finance Provider in Bosnia & Herzegovina, Bulgaria, Croatia, Czech Republic, Poland, Romania, Russia, Serbia, Slovakia and Turkey in 2014 - Euromoney Trade Finance Survey • Best provider for Guarantees and Open account payments in 2014 - Euromoney Trade Finance Survey • Best Trade Finance Bank in CEE in 2013 and 2014 - Global Finance • Best Trade Finance Bank in Bulgaria, Czech Republic, Ukraine in 2014 - Global Finance • Best Supply Chain Finance Provider in CEE 2013 & 2014 - Global Finance • Best Trade Bank in CEE in 2013 & 2014 - Trade & Forfaiting Review • Best Forfaiting House in 2013 - Global Trade Review • Best Bank in Eastern Europe in “Trade Finance” in 2013 - TMI • Best Bank for Financial Supply Chain Management in CEE in 2014 - TMI

Global security services

• Best Sub-Custodian Bank in CEE in 2014 - Global Finance • Best Sub-Custodian Bank in Bulgaria, Czech Republic, Hungary, Poland, Serbia, Slovenia, Ukraine in 2014 - Global Finance • Single Rated Provider in Bosnia & Herzegovina, Slovakia and Slovenia in 2014 - Global Investor • #1 Provider Unweighted in Bosnia & Herzegovina, Bulgaria, Slovakia, Slovenia, Ukraine in 2014 Global Investor • #1 Provider Weighted by Assets in Bosnia & Herzegovina, Croatia, Czech Republic, Serbia, Slovakia, Slovenia in 2014 - Global Investor • Top rated in Bulgaria, Hungary, Romania, Slovenia and Slovakia by leading clients - Global Custodian

Private banking

• Best Range of Investment Products in Czech Republic - 2014 Euromoney PB Survey • Best Corporate Advisory for PB Clients in Hungary - 2014 Euromoney PB Survey • Best PB Services Overall 2014 - 2014 Euromoney PB Survey • UniCredit Bank Hungary “Highly Commended” in the category “Best private bank in CEE” - PWM/ The Banker Global Private Banking Awards 2014

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Contacts

CEE CIB

Gianfranco Bisagni UniCredit Bank Austria AG Schottengasse 6-8 1010 Wien Austria Phone: +43(0)5 05 05 51144 / +43(0)5 05 05 51140 E-mail: [email protected]

UniCredit International Centers Network Austria

CEE

Germany

Azerbaijan

Italy

Bosnia and Herzegovina

UniCredit Bank Austria AG Peter Fischer Phone +43 50505 58139 E-mail: [email protected]

UniCredit Bank AG Carmen Hummel Phone +49 89 378 29947 E-mail: [email protected]

UniCredit S.p.A. Luciano Cenedese Phone +39 02 8862 8122 Mobile +39 338 315 6684 E-mail: [email protected]

10

UniCredit Bank Austria AG Daniela Croitoru Phone: +43 (0) 50505 57236 E-mail: [email protected]

Yapi ve Kredi Bankasi A. S. Azerbaijan Mehmet Erkan Akbulut Phone: +994124970255-190 Ext E-mail: [email protected]

UniCredit Bank d.d. Mostar Mirjana Kutle Phone: +387 36 356 272 E-mail: [email protected] UniCredit Bank a.d. Banja Luka Aleksandar Bereta Phone: +387 51 246 622 E-mail: [email protected]

Bulgaria

Romania

Croatia

Russia

Czech Republic & Slovakia

Serbia

Bratislava: Massimiliano Giuliani Phone: +421 2 4950 2373 E-mail: [email protected]

Slovenia

UniCredit Bulbank AD Aldo Andreoni Phone: +359 2 9232 560 E-mail: [email protected]

Zagrebačka banka d.d. Zoran Ferber Phone: +385 1 6305 437 E-mail: [email protected]

UniCredit Bank Czech Republic and Slovakia a.s. Prague: Fabio Bini Phone: +420 955 961 524 E-mail: [email protected]

Hungary

UniCredit Bank Hungary Zrt. Paolo Garlanda Phone: +36 1 301 1207 E-mail: [email protected]

Macedonia & Montenegro

UniCredit Bank Austria AG Representative Office Milan Djordjevic Phone: +389 70 267 034 E-mail: [email protected]

Poland

Bank Pekao SA Italian Customers Piotr Kołodziej [email protected] +48 22 524 62 01 German, Austrian & CEE Customers Magdalena Szczepańska [email protected] +48 22 524 62 05 Rest of the World Customers Cezary Węgierski [email protected] +48 22 524 62 19

UniCredit Tiriac Bank S.A. Raluca Popescu-Goglea Phone: +4 021 200 1616 E-mail: [email protected]

ZAO UniCredit Bank Pietro Pasqualucci Phone: +7 (495) 723-7126 E-mail: [email protected]

UniCredit Bank Serbia JSC Niccolò Bonferroni Phone: +381 11 3204 530 E-mail [email protected]

UniCredit Banka Slovenija d.d. Nataša Markov Phone: +386 1 5876 874 E-mail: [email protected]

Turkey

Yapi ve Kredi Bankasi A. S. Nicola Longo-Dente Phone: +90 212 339 79 88 E-mail: [email protected]

Ukraine

UniCredit Bank Roberto Poliak Phone: +380 44 529 0583 E-mail: [email protected]

Sometimes you can feel like a small player in Europe.

We’ll help you to make the right moves. At UniCredit we can help you internationalise your business. Not only do we have 200 specialists in 50 international centres, we also host events to connect you with potential markets and provide a range of other services to help you master the international game. Find out more: unicredit.com

Life is full of ups and downs. We’re there for both.

Welcome to