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For Whatever Life Brings For whatever life brings Consolidated First Half Financial Report as at June 30, 2011 WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 Everyone knows that life can be surprising. Many of these surprises are good things. Some are not so good. That is why people need their bank to be a reliable partner, helping them to deal with whatever life brings. Because this year’s report is inspired by real life, its graphics portray some of life’s more pleasant aspects, as well as a few of its less enjoyable features. Thus, the images present a range of contrasts, and our cover offers up a kaleidoscope of moments drawn from daily life. That is simply how life works. From the exciting to the ordinary, from the expected to the unanticipated, life is always changing and makes demands on all of us. And UniCredit is here to lend a hand. Our job is about more than offering products and managing transactions. It is about understanding the needs of our customers as individuals, families and enterprises. Our goal is to deliver solutions for the everyday issues that people face. This means providing them with concrete answers - day by day, customer by customer, need by need. Consolidated First Half Financial Report as at June 30, 2011 WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 For whatever life brings WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 Contents Introduction 5 Board of Directors, Board of Statutory Auditors and External Auditors 7 Prefatory Note to the Consolidated First Half Financial Report 8 Interim Report on Operations 11 Highlights 12 Condensed Accounts 14 Quarterly Figures 16 Comparison of Q2 2011 / Q2 2010 18 Segment Reporting (Summary) 19 How the UniCredit Group has grown 20 UniCredit Share 21 Group Results 22 Results by Business Segment 34 Other information 69 Subsequent Events and Outlook 76 Condensed Interim Consolidated Financial Statements 78 Consolidated Accounts 80 Explanatory Notes 91 Condensed Interim Consolidated Financial Statement Certification pursuant to Art. 81-ter of Consob Regulation no.11971 of May 14, 1999, as amended 245 Report of External Auditors 249 Notes The following conventional symbols have been used in the tables: • a dash (-) indicates that the item/fi gure is inexistent; • two stops (..) or “n.s.” when the fi gures do not reach the minimum considered signifi cant or are not in any case considered signifi cant; • “n.a.” indicates that the fi gure is not available. Any discrepancies between data disclosed in the Interim Report on Operations or between these data and the Condensed Interim Consolidated Financial Statements are solely due to the effect of rounding. UniCredit · Consolidated First Half Financial Report as at June 30, 2011 3 WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 For whatever life brings WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 Introduction Board of Directors, Board of Statutory Auditors and External Auditors 7 Prefatory Note to the Consolidated First Half Financial Report 8 UniCredit · Consolidated First Half Financial Report as at June 30, 2011 5 WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 Board of Directors, Board of Statutory Auditors and External Auditors Board of Directors Dieter Rampl Chairman Luigi Castelletti Deputy Vice Chairman Farhat Omar Bengdara Vice Chairmen Vincenzo Calandra Buonaura Fabrizio Palenzona Federico Ghizzoni CEO Giovanni Belluzzi Directors Manfred Bischoff Enrico Tommaso Cucchiani Donato Fontanesi Francesco Giacomin Piero Gnudi Friedrich Kadrnoska Marianna Li Calzi Luigi Maramotti Antonio Maria Marocco Carlo Pesenti Lucrezia Reichlin Hans-Jürgen Schinzler Theodor Waigel Anthony Wyand Franz Zwickl Lorenzo Lampiano Company Secretary Board of Statutory Auditors Maurizio Lauri Chairman Cesare Bisoni Standing Auditors Vincenzo Nicastro Michele Rutigliano Marco Ventoruzzo Massimo Livatino Alternate Auditors Paolo Domenico Sfameni Roberto Nicastro General Manager Marina Natale Nominated Official in charge of drawing up Company Accounts KPMG S.p.A. External Auditors UniCredit S.p.A. - A joint stock company Registered Office in Rome: Via Alessandro Specchi, 16 Head Office in Milan: Piazza Cordusio Share capital Euro €9,649,245,346.50 fully paid in Fiscal Code, VAT number with the Company Register of Rome: 00348170101 Registered in the Register of Banking Groups and Parent Company of the UniCredit Banking Group, with cod. 02008.1 Cod. ABI 02008.1 Member of the National Interbank Deposit Guarantee Fund and of the National Compensation Fund UniCredit · Consolidated First Half Financial Report as at June 30, 2011 7 WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 Introduction Prefatory Note to the Consolidated First Half Financial Report General aspects Preparation criteria This Consolidated First Half Financial Report was compiled under The Consolidated First Half Financial Report includes: Article 154-ter, paragraph 2 of Legislative Decree No. 58 of • the Interim Report on Operations using reclassified financial February 24, 1998, in accordance with IAS/IFRS international statement formats, including not only comments on the results accounting standards, as indicated by IAS 34 on Interim Financial for the period and on other main events, but also the additional Reporting, in the summary version provided for in paragraph 10, financial information required by the CONSOB; instead of the full reporting provided for annual accounts. • the Condensed Interim Consolidated Accounts, stated in comparison with those for 2010; specifically, as provided for by This First-Half Financial Report was prepared in line with the IAS 34, the balance sheet has been compared with the figures as first update to the Bank of Italy Circular No. 262/2005 of at December 31, 2010, while the Income Statement, the Statement November 18, 2009. of Comprehensive Income, the Change in Shareholders’ Equity and the Cash Flow Statement are compared with the corresponding Press releases on significant events during the period, the market figures for the first half of the previous year; presentation on second quarter results, and the public disclosure • the Explanatory Notes, which include not only the detailed under Pillar III of Basel 2 are also available on UniCredit’s website. information required by IAS 34, stated according to the formats adopted in the financial statements, but also the additional Any discrepancies between data disclosed in the Consolidated First information required by the CONSOB and the information deemed Half Financial Report or between the Interim Report on Operations useful for providing a true picture of the consolidated corporate and the Condensed Interim Consolidated Financial Statements are standing; solely due to the effect of rounding. • the Certification of the Condensed Interim Consolidated Financial Statements pursuant to Article 81-ter of CONSOB Regulation No. 11971 of May 14, 1999 and subsequent amendments and addenda. • the Auditor’s Report by KPMG S.p.A. as a limited review. Scope of consolidation In the first six months of 2011 there were the following changes in the scope of consolidation. • Fully consolidated subsidiaries increased from 735 as at December 2010 to 762 at June 2011, with a rise of 27 companies; • proportionately consolidated entities increased from 19 as at December 2010 to 30 at June 2011, with a rise of 11 companies; • companies consolidated at equity increased from 45 as at December 2010 to 49 at June 2011, with a rise of 4 companies. For further details see Explanatory Notes Part A - Accounting Policies- Section 3 - Consolidation Procedures and Scope. 8 Consolidated First Half Financial Report as at June 30, 2011 · UniCredit WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708 Non-current assets and disposal groups Segment Reporting (Summary) held for sale As announced in the “2010 Consolidated Reports and Accounts”, The main assets reclassified on the basis of IFRS 5 under non- the starting from January 1, 2011 Segment reporting is presented current assets and disposal groups held for sale on the balance and commented by new business division, in line with the current sheet as of June 30, 2011 are mainly those related to the investment practice in management reporting of Group results, as follows: in Banca Agricola Commerciale della Repubblica di San Marino S.p.A. • F&SME Network Italy; and in IRFIS - Finanziaria per lo Sviluppo della Sicilia S.p.A.. • F&SME Network Germany; • F&SME Network Austria; For further details see: • F&SME Network Poland; • “Other information - Transactions for rationalizing Group operations • F&SME Factories; and other corporate transactions” in Interim Report on Operations; • Corporate & Investment Banking (CIB); • “Part B - Consolidated Balance Sheet - Asset - Section 15” in • Private Banking; Condensed Interim Consolidated Financial Statements - Explanatory • Asset Management; Notes. • Central Eastern Europe (CEE); • Group Corporate Center (the latter includes Global Banking Services, Corporate Centre, and consolidation adjustments not assigned to the single business segments). Profit and loss data are given in the items of the reclassified income statement down to operating profit, except for the CEE, for which a net profit figure is given. Prior-period profit and loss data have been restated to take the changes in scope into account. UniCredit · Consolidated First Half Financial Report as at June 30, 2011 9 WorldReginfo - 48dfa3b1-c634-451e-a533-7d43b90a1708
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