A NEW GLOBAL SERVICE COMPANY

2

Employees: more than 148,400*

Branches: 8,643*

Banking operations

in 17 countries

International network spanning:

~ 50 countries

Global player in asset management:

€ 195.7 bn in managed assets4

Market leader in Central end Eastern Europe leveraging on the region's structural strengths

UniCredit - At a glance

* Source: UniCredit Company Profile, data as at September 30, 2014

2001 2010 2012

1. Domestic champion

Main

Waves

Ops&IT service factories

Centralization program in the Country: one common backbone

Carve-out of Ops &IT legal entities (transparency and accountability)

Country Integration

2. Cross-border integrator

IT and Ops Global factories

Cross-border operating model and IT systems across geographies

Selective outsourcing

Creation of global function of services

Ops near-shoring

Selective outsourcing

3. Business enabler

Integration CEE Countries

Operational machine enables business innovation

Full service delivery integration

Proactive role with the Business to innovate end-to-end operating model

Integrated services vs. internal customers

Group service

functions(RE, Proc, Security)

Efficient operator of centralized

services

Active manager of services portfolio

“Fully Integrated” service provider

Enabling a new customer relation

Introducing a Business Services Ecosystem

A Global player where global services constitute its core business

End-to-end delivery model at scale

UniCredit Business Integrated Solutions

4. Global player

From cost center to revenue center

From Instrumental Services to Business Integrated Solutions

UniCredit Business Integrated Solutions: Identity Card

AUSTRIA

ITALY ROMANIA

POLAND

HUNGARY

UK

SLOVAKIA

GERMANY ~ 10.000 Fte’s*

( y/y pro forma)

■ 11 Countries**

■ 4 Wholly-owned subsidiaries*

* Data as at December 31, 2013.** UniCredit Business Integrated Solutions operates also in 2 branches, one located in New York and one in Singapore.

UniCredit Business Integrated Solutions is the first concrete milestone within the Group Strategic Plan 2012 announced in November 2011 to be achieved.  

Owned by UniCredit, is created from the integration and consolidation of 16 Group companies (among them UGIS, UCBP, URE, UC) and is dedicated to providing services in the sectors of Information and Communication Technology (ICT), Back Office and Middle Office, Real Estate, Security and Procurement.

A new business model, unique in the European banking sector, focused on Business needs (i.e. Commercial Banking, Global Markets, CEE), not only on providing services.

CZ REP.

NET EQUITY: € 406,011,164*

TOTAL REVENUE: € 2,328,665,282*

UniCredit Business Integrated Solutions’ model based on the definition of the Business Lines, as a single focal points, integrating all the Service Lines elements together with a cross coverage of all infrastructural factories

Relevant dimensions organized with:

- Product perspective with an end-to-end approach covering all needs related to single products;

- Service perspective, where deliveries and production factors refer to an infrastructural view;

- Country perspective, with Country Manager as presidium of local deliveries and needs;

A full-service provider model fostering accountability while maintaining end-to-end complexity under control

Faster time-to-market:

- Deliver new products;

- React to regulatory changes (e.g., market risks, liquidity risks, etc.);

Dedicated and highly skilled specialists requiring market-linked compensation and dedicated HR approach (e.g. specialized domain knowledge)

RATIONALIZATION, HIGH QUALITY, HIGH FLEXIBILITY, RAPIDITY AND INNOVATION

Key characteristics of the new delivery model

MAIN PILLARS

5

An insight into UniCredit Business Integrated Solutions

THE APPROACH OF A NEW BUSINESS MODEL

SERVICES IT Applications Back / Middle Office Client Support ICT Infrastructure ICT Security Real Estate & Logistics Procurement

RomaniaHungarySlovakiaPoland

BUSINESS LINES Commercial Banking Networks Global Markets GTB and other Product Factories CFO CRO HR CEE Banks

ItalyGermanyAustriaCzech Republic

Countriesfull service partial service

Organizational model

Fac

tory

Lay

er

ICTICT

Client SupportClient Support

OperationsOperations

SecuritySecurity

Ban

kin

gS

ervi

ce L

ines

Infr

astr

uct

ura

lS

ervi

ce L

ines

Go

vern

ance

L

ayer

Legal and Compliance Human Resources

Risk Management Planning, Finance & Administration

Identity & Communications

Real EstateReal Estate

ProcurementProcurement

Business Lines

CB CEE

Global Enterprise Services

Organization & Logistics

Global Markets

Commercial Banking MM

Mature Countries

LEs/Branches

Germany

Austria

Foreign Branches Management

Transactional Products

CSO

Post

Tra

de

Serv

ices

IT Gov.

Co

mp

lin

ce

&

Au

dit

GR

M

Glo

ba

l H

R

CF

O

Mu

ltic

ha

nn

el

& C

ore

B

an

kin

g

As at October 1°2014

Strategic Industrial PlanningStrategic Industrial Planning

Transformation Office

Transformation Office