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Notes to the Balance Sheet 144 Part C) Notes to the Profit and Loss Account 226 Part D) Other Information 240

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Notes to the Balance Sheet 144 Part C) Notes to the Profit and Loss Account 226 Part D) Other Information 240 Consolidated Report and Accounts 2001 UniCredito Italiano - Italian Stock Company Registered office: Genoa, Via Dante, 1 General management: Milan, Piazza Cordusio Registered in Genoa Trade and Companies Register (Court of Genoa) Tax Code and VAT Reg. No. 00348170101 Entered in the Register of Banks and Parent Company of the UniCredito Italiano Banking Group Banking Group Register No. 3135.1 Member of the Interbank Deposit Protection Fund Capital stock: e 2,523,215,059,Fully Paid In 2 and Auditors Directors Presentation Chart of the Group Report on Operations Accounts and Annexes External Auditors’ Report Branch Networks in Italy and abroad CONSOLIDATED REPORT AND ACCOUNTS 2001 PRESENTATION Directors and Auditors BOARD OF DIRECTORS AS AT 31 DECEMBER 2001 Francesco Cesarini * Chairman Eugenio Caponi * Deputy Chairman (Vicarious) Fabrizio Palenzona * Deputy Chairman Alessandro Profumo * Managing Director/CEO Franco Bellei Directors Roberto Bertazzoni * Mario Cattaneo Philippe Citerne Carlo Delaini Leonardo Del Vecchio Francesco Giacomin * Candido Fois Franzo Grande Stevens Maurizio Lotti Achille Maramotti 3 Mario Greco * Luca Remmert Giovanni Vaccarino Anthony Wyand Marco Fantazzini Secretary * Executive Committee Members BOARD OF AUDITORS Gian Luigi Francardo Chairman Giorgio Arena ** Statutory Auditors Giorgio Loli Aldo Milanese Roberto Timo Giuseppe Armenise Alternate Auditors Marcello Ferrari **Resigned effective 10/12/2001; replaced by Alternate Auditor Giuseppe Armenise until the extraordinary shareholders’ meeting of 30/1/2002, which appointed Vincenzo Nicastro as Statutory Auditor. Pricewaterhouse Coopers S.p.A. EXTERNAL AUDITORS 4 General Management Presentation Chart of the Group Report on Operations Accounts and Annexes External Auditors’ Report Branch Networks in Italy and abroad CONSOLIDATED REPORT AND ACCOUNTS 2001 PRESENTATION General Management GENERAL MANAGEMENT AS AT 31 DECEMBER 2001 Alessandro Profumo Managing Director/CEO Luca Majocchi Deputy CEOs Pietro Modiano Roberto Nicastro Fausto Galmarini General Managers Elisabetta Magistretti Massimiliano Naef Roberto Nordio Maurizia Angelo Comneno Deputy General Managers Fabio Bolognini Pasquale Giamboi Franco Grosso Franco Leccacorvi 5 Giuseppe Leopardo Andrea Moneta MANAGERS IN CHARGE OF PRINCIPAL BUSINESS AREAS/DEPARTMENTS Luca Majocchi Domestic Banking Division Pietro Modiano Wholesale Banking Division Roberto Nicastro Foreign Banks and New Growth Division Maurizia Angelo Comneno Legal and Corporate Affairs Franco Grosso Group Audit Elisabetta Magistretti Risk Management Andrea Moneta Planning and Finance Roberto Nordio Human Resources Fabio Bolognini Corporate Pasquale Giamboi Retail Massimiliano Naef Operations Fausto Galmarini Credit Franco Leccacorvi Accounts Vittorio Borelli External Relations Matteo Montagna Environment, Security and Social Account 6 Contents Presentation Chart of the Group Report on Operations Accounts and Annexes External Auditors’ Report Branch Networks CONSOLIDATED REPORT AND ACCOUNTS 2001 PRESENTATION Contents Chart of the Group as at 31 December 2001 9 Report on Operations 13 Operating Results and Performance 14 Key Financial Information 20 Key Financial Highlights 20 Results by Division 22 Restated Balance Sheet 24 Restated Profit and Loss Account 25 Balance Sheet: Quarterly changes 26 Profit and Loss Account: Quarterly changes 27 The Group’s activities 28 Strategy development 28 Italian Banking Division 30 Wholesale Banking Division 41 Foreign Banks and New Growth Division 50 New Ventures 58 Human Resources 60 Risk Management 65 Main Balance Sheet Aggregates 70 Loans to Customers 70 Doubtful Loans 74 Direct and Indirect Deposits 78 Securities Portfolio and Interbank Position 82 Equity Investments 83 Shareholders' Equity and Capital Ratios 85 7 Profit and Loss Account 88 Operating Income 88 Net Profit 94 Group Growth and Profitability Ratios 98 Profit and Loss Account and Balance Sheet Aggregates 98 Profitability Ratios 100 The Share Price and Market Indices 103 Other Information 106 Shares and Shareholders 106 Ratings 106 Subsequent Events and the Operating Outlook 107 Group Reorganisation Project 109 Accounts and Annexes 115 Introduction 116 Consolidated Accounts 121 Consolidated Balance Sheet 122 Consolidated Profit and Loss Account 125 Notes to the Consolidated Accounts 127 Scope of Consolidation 128 Part A) Accounting Principles 136 Part B) Notes to the Balance Sheet 144 Part C) Notes to the Profit and Loss Account 226 Part D) Other Information 240 Annexes 243 External Auditors’ Report 275 Branch Networks 279 8 Chart of the Group Presentation Chart of the Group Report on Operations Accounts and Annexes External Auditors’ Report Branch Networks CONSOLIDATED REPORT AND ACCOUNTS 2001 CHART OF THE GROUP Chart of the Group as at 31 December 2001 Fully consolidated Companies and Companies consolidated using the net equity method Credit Institutions Financial and Insurance Companies 9 Service Companies Ancillary Companies Italian Banking Division Commercial Banks based in Italy Banks based outside Italy Asset management - production Wholesale Banking Division CREDITO ITALIANO S.p.A. New Europe Banking PIONEER GLOBAL ASSET MANAGEMENT S.p.A. Foreign Banks and New Growth Division Registered office: Genoa Main office: Milan G BANK PEKAO S.A. ROLO BANCA 1473 S.p.A. Main office: Warsaw N# PIONEER INVESTMENT MANAGEMENT Ltd N Registered outside Italy Main office: Bologna Main office: Dublin NG # BANK PEKAO (UKRAINA) Ltd Pekao Group company CARIVERONA BANCA S.p.A. Main office: Luck N# PIONEER INVESTMENT MANAGEMENT L Pioneer USA Group company Main office: Verona S.G.R. p.A. - Main office: Milan G Pioneer Global Asset Management BANK POLSKA KASA OPIEKI BANCA CRT S.p.A. - Main office: Turin TEL-AVIV Ltd - Main office: Tel Aviv N# PIONEER ALTERNATIVE INVESTMENT Group Companies MANAGEMENT Ltd CASSAMARCA S.p.A. - Main office: BULBANK A.D. - Main office:Sofia N Main office: Dublin NG Treviso POL’NOBANKA A.S. PIONEER ALTERNATIVE INVESTMENT CASSA DI RISPARMIO DI TRENTO Main office: Bratislava N MANAGEMENT S.G.R.p.A. E ROVERETO S.p.A. - Main office: Trento Main office: Milan G SPLITSKA BANKA d.d. CASSA DI RISPARMIO DI TRIESTE Main office: Split N PIONEER FONDS MARKETING GMBH BANCA S.p.A. - Main office: Trieste Main office: Munich NG Other Commercial Banks ADALYA BANCA IMMOBILIARE S.p.A. PIONEER INVESTMENT Main office: Milan BANCA AGRICOLA COMMERCIALE MANAGEMENT USA Inc. S.MARINO S.A. - Main office: Borgo Main office: Boston NG BANCA DELL'UMBRIA 1462 S.p.A. Maggiore (San Marino) N Main office: Perugia PIONEER PEKAO INVESTMENT BANQUE MONEGASQUE MANAGEMENT S.A. CASSA RISPARMIO DI CARPI S.p.A. DE GESTION S.A. Main office: Warsaw NG Main office: Carpi Main office: Monaco (Montecarlo) N PIONEER CZECH FINANCIAL BANCA MEDIOCREDITO S.p.A. CASSA DI RISPARMIO DI TRIESTE COMPANY Sro Main office: Turin BANCA d.d. Main office: Prague NG Main office: Zagreb N MEDIOVENEZIE BANCA S.p.A. PIONEER CZECH INVESTMENT COMPANY A.S. Main office: Verona UNICREDIT (SUISSE) BANK S.A. Main office: Prague NG Main office: Lugano N Investment banking PIONEER INVESTMENT Other Banks MANAGEMENT Inc. UNICREDIT BANCA MOBILIARE S.p.A. Main office: Wilmington NL Main office: Milan UNICREDITO ITALIANO BANK (IRELAND) Plc PIONEER PEKAO TFI S.A. TRADINGLAB BANCA S.p.A. Main office: Dublin N Main office: Warsaw NG Main office: Milan Fully Consolidated Commercial Banks based in Italy Banks based outside Italy Asset management BANCA C.R. SAVIGLIANO S.p.A. B.H.I. S.A. PIONEER FINANCIAL SERVICES Sp.zo.o Main office: Savigliano Main office: Luxembourg N# (in liquidation) Main office: Warsaw NL CASSA DI RISPARMIO DI BRA S.p.A. UNICREDIT FINANCE CORPORATION Ltd. PIONEER CONSULTING SERVICES S.A. Main office: Bra (in liquidation) (in liquidation) Main office: Nassau N Main office: Warsaw NL CASSA DI RISPARMIO DI FOSSANO S.p.A. PIONEER ITI AMC Ltd Main office: Fossano Main office: Chennai (INDIA) NL CASSA DI RISPARMIO TRINITY MANAGEMENT Sp.zo.o DI SALUZZO S.p.A. Main office: Warsaw N# Main office: Saluzzo Leasing LISEURO S.p.A. - Main office: Udine LEASING FABRYCZNY Sp.zo.o Main office: Lublin N# LOCAT LEASING d.o.o. Main office: Zagreb N Tax Collection S.F.E.T. S.p.A. Società Friulana Esazione Tributi Main office: Udine Consolidated by net equity method CONSOLIDATED REPORT AND ACCOUNTS 2001 CHART OF THE GROUP Financial Companies Preferred Shares Issuers Ancillary Companies PIONEER INTERNATIONAL CORP. CORDUSIO Società Fiduciaria UNICREDITO ITALIANO - CAPITAL TRUST I QUERCIA SOFTWARE S.p.A. Main office: Wilmington NL per Azioni - Main office: Milan Main office: Newark N Main office: Verona PIONEER INVESTMENT MANAGEMENT S+R Investimenti e Gestioni UNICREDITO ITALIANO - CAPITAL TRUST II TRIVIMM S.p.A. SHAREHOLDER SERVICES Inc. S.G.R.p.A. - Main office: Milan Main office: Newark N Main office: Verona Main office: Boston NL FIDA SIM S.p.A. - Main office: Turin UNICREDITO ITALIANO - FUNDING LLC I UNICREDIT PRODUZIONI PIONEER FUNDS DISTRIBUTOR Inc. Main office: Dover N ACCENTRATE S.p.A. Main office: Boston NL F.R.T. FIDUCIARIA RISPARMIO TORINO Main office: Milan SIM S.p.A. - Main office: Turin UNICREDITO ITALIANO PIONEER GLOBAL FUNDS DISTRIBUTOR Ltd FUNDING LLC II - Main office: Dover N UNICREDIT SERVIZI Main office: Hamilton NG Trading on line INFORMATIVI S.p.A. Other Financial Companies Main office: Milan PIONEER GLOBAL INVESTMENTS Ltd XELION SIM S.p.A. - Main office: Milan Main office: Dublin NG CREDIT CARIMONTE S.p.A. - Main office: Modena Credit Cards UNICREDIT CAPITAL ITALIA ADVISORY CREDITRAS PREVIDENZA
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