1. THE SUPPORT OF UNICREDIT GROUP IN DOING BUSINESS
Fabio Bini, Head of International Desk Foreign Investors Conference
Bratislava, Austria Trend Hotel - 23rd November 2011

2. WHY
UNICREDIT ?
2

3. AGENDA
CROSS-BORDER BUSINESS MANAGEMENT:
THE INTERNATIONAL DESK
PRODUCT EXPERTISE
OUR NETWORK, OUR REACH
3

4. CORPORATE & INVESTMENT BANKING (CIB) IN UCB SK
INTERNATIONAL DESK - CONCEPT
INTERNATIONAL DESK ACTIVITY
International desks directly support international clients with all
business needs a corporate client may face, from basic and initial
discussions concerning doing business in the country, to arranging
meetings with local experts and business partners
All clients’ banking needs are managed by International Desks, which
take all the required steps to comply with UCG credit process
Typically, International speaking clients may rely on a dedicated
multilingual staff, led by expatriates having international corporate
business experience: that represents a distinctive advantage that may
help a client better understand the cultural differences in the country
Clients may find International Desks in all UCG’s CEE local banks
4

5. MAIN PRACTICAL ISSUES FACED BY A MID-SIZED FOREIGN INVESTOR
LANGUAGE
LAW
COMMERCIAL PRACTICE
HABITS
SIMPLE DO’S AND DON’S
CONTACTS
BUSINESS MODEL
BANKING RELATIONSHIP AND PRODUCTS
5

6. CORPORATE & INVESTMENT BANKING (CIB) IN UCB SK
INTERNATIONAL DESK - MISSION
................. to ease clients’ approach to start
production or commercial investments in the country
Current account
opening
(incl. collection
Referral account)
Companies having business
in the Country
Credit lines
ECA (ex. Hermes, Coface)
/ access to domestic
Issuance of bonds (down subsidies
payments/performance)
Support
in problem solving
Advisory services: - legal
- fiscal
- commercial
Companies interested in
Feasibility studies for
having investment/ partnership, joint-
partnership in the Country venture, and M&A
Electronic Banking and/or
cash management
EU Structural funds
6

7. CORPORATE & INVESTMENT BANKING (CIB) IN UCB SK
INTERNATIONAL DESK – CROSS BORDER BUSINESS
UniCredit develops special solutions that aim at helping customer clients reduce complexity of
managing cross border business
Some Cross-border
Some Cross-border Key advantages of integrated approach
products
products
Cross border Account opening
Cross border Account opening One single point of entry in the respective home country for cross-
FlashPayment
FlashPayment border business throughout the whole network
MultiCash/Europakonto
MultiCash/Europakonto Standardized processes and customized solutions on the basis of
Margin-Pooling
Margin-Pooling uniform service standards in the whole UniCredit Group
EURO-Pooling
EURO-Pooling Carefully designed group-wide product range
Cross Border PLUS Credit
Cross Border PLUS Credit State-of-the-Art services out of one hand
PLUS Vendor Leasing
PLUS Vendor Leasing Cost savings due to efficient management of cross border activities
PLUS Investment Leasing
PLUS Investment Leasing
… Europe’s dynamic growth markets comprehensively covered
…
Highly qualified teams of relationship managers in the entire region
7

8. CORPORATE & INVESTMENT BANKING (CIB) IN UCB SK
INTERNATIONAL DESK: EASE YOUR CROSS BORDER BUSINESS
FROM YOUR OWN DESK
8

9. CORPORATE & INVESTMENT BANKING (CIB) IN UCB SK
INTERNATIONAL DESK – THERE IS MUCH MORE TO SEE
9

10. AGENDA
CROSS-BORDER BUSINESS MANAGEMENT:
THE INTERNATIONAL DESK
PRODUCT EXPERTISE
OUR NETWORK, OUR REACH
10

11. Products & Services
Cash Management & Transactional Sales & Global Securities Structured Trade and
eBanking Trade Services Services (GSS) Export Finance (STEF)
− Cash Management for − Products for Financial − Securities Clearing − ECA – Export Credit
corporate clients Institutions − Settlement Agency structured
− Domestic Payments − Accounts Nostro/Vostro − Holding Services finance
− International Payments − Foreign Bank Financing − Global and Local − Bank to bank buyer’s
− Payment Collections − Clearing Custody credit
− SEPA Credit Transfers & − Benededuct & Rebates − Supplier’s credit
Direct Debits − Co-operation − Bank to corporate/
− Sight Deposits Agreements sovereign buyer’s credit
− Trade Finance Products − Forfeiting and Trade
− Account Keeping
− Documentary Collection receivables financing with
− Cash Pooling Corporate
Import/Export
− Card Acquiring − Import Letters of Credit − Commodity Trade
− Electronic Banking − Export Letters of Credit Finance
Products & Services − Other Trade/export
− Guarantees
− e.g. EuropeanGate finance loans
− Global Trade
Management
(Supply Chain Finance/
Trade Purchase)
− @GlobalTrade
− Forfeiting and Trade
Receivables Financing
with Banks
11

12. Products & Services
Loan Project & Commodity Corp. Finance Advisory
Capital Markets
Syndication Finance (M&A)
− Syndication − Project Financing − Equity Capital Markets − M&A Execution
− Sponsor-driven − Pre Export Financing − IPOs, Rights Issues − Buy-side Advisory
Acquisition Finance (PXF) − Capital Increases − Sell-side Advisory
− Real Estate Finance − Structured Finance − Convertible/Exchange- − Fairness Opinions
− Shipping Finance Advisory able Bonds
− Strategic Reviews
− Project & Commodity − Reserve Base Lending − Equity Linked
Finance − Bridge Loans to Project Solutions/Private Equity
Finance − Debt Capital Markets
− Corporate Loans
− Multisourced ECA* − Covered & Financial Bonds
− FI Loans
Financings − Corporate Bonds
− Secondary Trading
− Promissory Bonds
− Agency Services − Private Placements
− Structured Capital Markets
− Asset Backed
Securitisations
− Conduit Financing
− Capital Markets Solutions
− Structured and Derivative
Based Financial Solutions
Cross Asset Classes
including Cash Flow and
Yield Optimisation, etc.
* Export Credit Agencies
12

13. AGENDA
CROSS-BORDER BUSINESS MANAGEMENT:
THE INTERNATIONAL DESK
PRODUCT EXPERTISE
OUR NETWORK, OUR REACH
13

14. UNICREDIT AT A GLANCE
Strong local roots in 22 European countries Strong Positioning3 in
International network in approx. 50 countries − Austria: #1 (15.6%)2
− Italy: #2 (13.9%)2
Approx. 160,5001 employees − Germany: #3** (3.5%)2
Approx. 9,5001 branches
** In the German ranking only private banks are considered
… and in CEE overall: – Azerbaijan – Lithuania
– Bosnia-Herzegovina – Poland
– Bulgaria – Romania
– Croatia – Russia
– Czech Republic – Serbia
– Estonia – Slovakia
#1 (7.0%)2 – Hungary – Slovenia International Markets
– Kazakhstan – Turkey – UK, France
– Kyrgyzstan – Ukraine – Americas
– Latvia – Asia
Home Markets* International Markets
* UniCredit’s home markets (where UniCredit operates via own local banks): Austria, Azerbaijan, Bosnia and Herzegovina, Bulgaria, Croatia, the Czech
Republic, Estonia, Germany, Hungary, Italy, Kazakhstan, Kyrgyzstan, Latvia, Lithuania, Poland, Romania, Russia, Serbia, Slovakia, Slovenia, Turkey and
Ukraine
1As of 30 June 2011; Including all employees and branches of subsidiaries consolidated proportionately, such as Koç Financial Services branches
14 2Ranking and market shares in brackets; market shares in terms of total assets as at September 2010
Sources: Company data

15. UNICREDIT, WITH THE BEST FRANCHISE NETWORK IN CEE,
BENEFITING FROM GROUP DIVERSIFICATION
1H10 Data Total Assets* Number of Countries of CEE, % share in
EUR bn Branches presence (2) Group Revenues
UniCredit 124 3,860 19
23
Erste 83 2,158 7
38
Raiffeisen 78 2,959 79
19
KBC (3) 66 1,225 12 36
SocGen (4) 66 2,653 20 16
IntesaSP 41 1,599 11 12
OTP 36 1,507 9 100
* 100% of total assets for controlled companies (stake > 50%) and pro rata for non- controlled companies (stake < 50%), except for OTP and
Raiffeisen International (Group reported data). 2. Including direct and indirect presence in the 25 CEE countries, excluding representative
15 offices. 3. excluding subsidiaries in Russia, Serbia and Slovenia, except in countries of presence. 4. Data as of FY09, apart from total assets in
CZ, RO, SRB, BG and AL. Excluding Rusfinance in Russia
SOURCE: UniCredit CEE Strategic Analysis

16. SYSTEMICALLY IMPORTANT FINANCIAL INSTITUTION - SIFI
ONLY
29
BANKING GROUPS
WORLDWIDE
ARE
SYSTEMICALLY IMPORTANT FINANCIAL
INSTITUTIONS (SIFI)
16

17. UNICREDIT IS THE STRONGEST PARTNER IN CEE
3 MAIN PILLARS
We are the strongest The success of our We believe in the CEE
banking partner in the customers is in the focus region, not only from an
CEE region of all our activities economic point of view
We were one of the first We believe that customer We feel at home in CEE and
international banking partners satisfaction is the winning want to be a gateway between
to enter CEE countries after the strategy. the countries of our network and
fall of the Iron Curtain. enhance the cultural and social
We use our international know- exchange in Europe:
We built the leading Group in
how associated to our deep
CEE and we are committed to
local roots to offer the best
further strong growth in the Connecting Europe -
service to our customers:
region. region-wide cultural projects
Today, we offer our customers Social projects - UniCredit
State-of-the-art products and
a network of strong local banks foundation
services for corporate and
forming the largest banking Sponsorship of the UEFA
retail customers.
network in the CEE region: Champions League and
Unique integrated service for
19 countries related social activities
customers with
3,860 branches cross-border business. Research and publications to
around 72,000 employees foster the knowledge of CEE
High service level
countries in Western Europe
17

18. OVERVIEW OF UNICREDIT GROUP
BUSINESS MODEL
CUSTOMER CENTRICITY
CUSTOMER CENTRICITY A MULTI-LOCAL APPROACH
A MULTI-LOCAL APPROACH
BUSINESS
MODEL
GLOBAL PRODUCT LINES
GLOBAL PRODUCT LINES
GLOBAL SERVICE LINES
GLOBAL SERVICE LINES
18

19. ´
UNICREDIT´S INTERNATIONAL PLATFORM
Leveraging Home Markets through Americas and Asia Pacific Networks
Americas Asia
US HQ Global Account Management Asia HQ Global Account Management
(GAM) Clients (GAM) Clients
Subs of Home Markets Clients served Subs of Home Markets Clients served
in Americas in Asia
Leveraging on selected US and Asian GAM clients in Home Markets
Home Markets*
International Markets
Reaching UniCredit’s Home Market Clients in Americas and Asia
* UniCredit’s home markets (where UniCredit operates via own local banks): Austria, Azerbaijan, Bosnia and Herzegovina, Bulgaria, Croatia, the Czech Republic, Estonia,
19 Germany, Hungary, Italy, Kazakhstan, Kyrgyzstan, Latvia, Lithuania, Poland, Romania, Russia, Serbia, Slovakia, Slovenia, Turkey and Ukraine

20. CORPORATE AND INVESTMENT BANKING NETWORK ITALY
Regional focus on 6 markets with a Corporate Banking
network of 75 branches
Aosta Trento
Trieste − North West: 6 branches
Milano
Verona − Lombardia: 22 branches
Venezia
Torino − North East: 14 branches
Bologna
− North Centre: 15 branches
Genova
Ancona − South Centre: 16 branches
Firenze − Multinationals: 2 branches
Perugia
Access to the network of 4,195 branch offices in Italy
L’Aquila
Roma
Campobasso
Napoli
Bari
Potenza
Cagliari
Catanazaro
North West
Palermo
Lombardia
North East
North Centre
South Centre
Data as of November 2010
20

21. CIB NETWORK GERMANY
Multinational Corporates (approx. 300 client groups):
Central service approach through approx. 100
Kiel
colleagues located in CIB hubs Munich and London
Regional approach with a Corporate Banking network
Hamburg
of 21 locations: Approx. 230 relationship managers
Düsseldorf serve approx. 29,000 CIB clients throughout Germany:*
− North: 3 locations, 6 branches
Berlin − West: 3 locations, 3 branches
Hannover
− East: 3 locations, 2 branches
− Rhine Main Saar: 2 locations, 2 branches
Dortmund − Baden-Wuerttemberg: 2 locations, 2 branches
Leipzig
Düsseldorf − Bavaria North: 3 locations, 3 branches
− Bavaria South: 4 locations, 4 branches
Köln
− Munich: 1 location, 2 branches
Frankfurt/Main
Bayreuth Access to UniCredit Bank AG’s branch network with
Würzburg 617 branch offices in Germany
Mannheim
Nürnberg
Regensburg
Stuttgart Passau
Augsburg
Ulm
München
Rosenheim
Data as of July 2011
21 * Numbers including Real Estate

22. CIB NETWORK AUSTRIA
# 1 Bank in Austria with 15.3% market share on loans
Regional focus with a Corporate Banking network of 153 relationship managers serving approx.
18,000 CIB clients throughout Austria
− Federal States/Regions:
− 7 regional centres (serving Austrian and international Corporates as well as Public Sector and
Real Estate clients)
− 2 local units
− Vienna:
− 2 regional centres (serving Austrian Corporates)
− 4 central units (serving International Corporates,
Public Sector, Real Estate and Financial Institutions clients)
Linz
Access to UniCredit Bank Austria’s retail branches St. Pölten Vienna
network with about 300 branch offices in Austria
Wels
Mödling
Salzburg
Bregenz
Graz
Innsbruck
Vienna
Klagenfurt
Regional centre
Local units
Data as of July 2011
22

23. CIB NETWORK POLAND
# 1 Bank with 17% market share on loans
Gdynia
ń
Gdańsk 260 relationship managers in the Corporate Banking
Olsztyn
network serving over 14,000 mid and large corporate
Koszalin
Szczecin clients:
− Mid caps:
Bydgoszcz ł
Białystok
− Area Central Poland
ń
Poznań
− 3 Macroregions (Mazovian, South-East,
Zielona Warszawa Central-East), 12 Regional Corporate Centres
Góra
− Area West Poland
Łódź
ź
− 3 Macroregions (Pomeranian, North-West,
Silesian), 12 Regional Corporate Centres
ł
Wrocław Lublin
− Large caps:
Opole − FMCG Goods, Consumer Goods, Integrated
Kielce
Katowice Energy & Oil and Gas & Chemicals, Technology &
Communication, Heavy Industry, Infrastructure,
ł
Bielsko-Biała Construction, Transportation & Logistics
Rzeszów
Kraków
− Asian Clients unit
Pomerania
− Financial Institutions and Public Sector
North-West
Silesia
Central-East
Regional Centre
Mazovia
South-East Large Corporates
Warsaw, Cracow Public Sector
Data as of 25 July 2011
23

24. UNRIVALLED NETWORK IN CEE
Poland Baltics
12.8% market share #2 2% market share #10
Czech Republic 1,014 branches 5 branches Russia
6.5% market share #4 2% market share #10
83 branches 106 branches
Slovakia Ukraine
7.7% market share #5 5.3% market share #5
76 branches 443 branches
Romania
Hungary 6% market share #7
5.3% market share #7 235 branches
133 branches
Bulgaria
Slovenia 17% market share #1
6% market share #5 235 branches
21 branches
Turkey
Croatia 8.8% market share #4
927 branches
25% market share #1
136 branches
Azerbaijan
Bosnia
1% market share n.a.
8 branches
21% market share #1
136 branches
Serbia Kyrgyzstan Kazakhstan
7% market share #4 14% market share #1 8.7% market share #5
71 branches 40 branches 115 branches
Source: CEE Communication Coordination
24 Figures as of 31 December 2010; market shares as of September 2010; market shares in terms of total assets.

25. CORPORATE & INVESTMENT BANKING (CIB) IN UNICREDIT GROUP
EASE YOUR CROSS BORDER BUSINESS FROM YOUR OWN DESK
25

26. 26

27. ARE WE REALLY GOOD?
#2
in Slovak
CORPORATE MARKET
27
Source: UniCredit Bank based on Trend Analyses

28. Market leader: TATRA
CORPORATE LOANS Growth leader1: POBA
UCB position: #2
MID (EUR 5 - 50 mil.) Concentration2: 54.6%
UniCrChapter Title – Chapter Section Title
UniCredit Bank ako člen skupiny UniCredit
30% 10.PRIVAT 6.POBA
(+141% yoy, 44 mil. EUR) (+120% yoy, 294 mil. EUR)
2.UCB
YoY growth (%)
20%
2010 YoY Market
(mil. EUR) (%) share
Market 4 133 5,5%
10% 1. TATRA 1 000 2,2% 24,2%
avg
2. UCB 831 20,8% 20,1%
5.SLSP 3. CSOB 447 -6,0% 10,8%
1.TATRA
0% 4. VUB 377 -4,0% 9,1%
5. SLSP 376 3,9% 9,1%
0 200 400 600 800 1 000 1 200
4.VUB 6. POBA 294 119,6% 7,1%
7. VOBA 169 -16,0% 4,1%
-10%
3.CSOB 8. OTP 159 -21,3% 3,9%
9. KOBA 45 -21,7% 1,1%
7.VOBA 10. PRIVAT 44 140,6% 1,1%
-20% 11. OBER 23 118,2% 0,5%
8.OTP SZRB 53 0,4% 1,3%
9.KOBA
-30%
Volume (mil. EUR)
Share within the bank non-financial corporate (relevance of the segment)
15% 20% 25% 30% 35% 40%
VUB SLSP VOBA CSOB PRIVAT TATRA OTP KOBA UCB
MARKET
Note: 1. growth leader among players with at least 3% market share
2. Market share of TOP3 players
3. Market volume – UCB estimate
28 4. DEX, J&T, BMAIS not available
5. KOBA, OBER as UCB estimate
Source: UniCredit Bank based on Trend Analyses

29. ARE WE REALLY GOOD?
#2
GROWTH IN CORPORATE
LOANS MARKET in Slovakia
29
Source: UniCredit Bank based on Trend Analyses

30. ARE WE REALLY GOOD?
42 %Our PORTFOLIO
of INTERNATIONAL CLIENTS
in SLOVAKIA
30
Source: UniCredit Bank

31. ARE WE REALLY GOOD?
More than 14,000 clients from all over the world took part in the 2011 Euromoney Cash Management poll. This year
thanks to the joint effort between GTB and the relationship managers in all countries we are present in UniCredit could
manage to improve our position compared to last year.
UniCredit is the Best Cash Management house in five countries: Austria, Bosnia
Herzegovina, Croatia, Poland and Serbia. Also noticeable is that in Germany, Czech
Republic, Slovakia and Kazakhstan, UniCredit was ranked #2. In Italy, Hungary and
Romania we achieved the 3rd place. This means that we are among the TOP 3 in
almost all countries we are present in!
Also at regional level UniCredit did very well being placed #2 for Central and Eastern
Europe.
With position #7 for Western Europe and #7 in the global ranking we are among the 10
best cash management houses of the world!
Commenting on the ranking UniCredit's head of Global Transaction Banking, Marco
Bolgiani, said: “We are proud to be ranked by our clients as one of the most efficient Cash
Management service providers. Cash Management is very important as it is often the
anchor product for a client relationship. Having convinced our customers about our
competence and know-how in transaction services opens then new opportunities to do
further business."
31

32. ARE WE REALLY GOOD?
Best Project Finance House in CEE Best M&A House in CEE
Best Equity House in Poland Best Sovereign Borrower Slovakia Best Arranger of CEE Loans,
Best Equity House in Turkey (UniCredit Joint Bookrunner) excl. Russia
Best Project Finance House in CEE Best Cash Management House in Austria,
Pulkovo Airport – European Airport Deal of the Year 2010 Bulgaria, Croatia, Slovakia, #3 in Poland, Hungary 2010
Nord Stream Phase 2 – European Gas Deal of the Year 2010 Best Relationship Management in Trade Finance 2011
Nord Stream Phase 1 – European Gas Deal of the Year 2010
Best Bank for Cash Management, Liquidity Management and Payments & Collection in CEE 2011
Best Trade Finance Provider in Poland, Austria, Ukraine and in CEE 2011
Best Supply Chain Finance Provider in CEE 2011
Best Sub-Custodian Bank in Austria, Croatia, Hungary and in CEE in 2011
32

33. KEY MESSAGE
SLOVAKIA IS A REWARDING COUNTRY
Sound Macroeconomic Environment
Strong Micro-foundations of the Economy
OUR BUSINESS MODEL IS DESIGNED TO
Bring value to our customers
Create a long-term relationship
33

34. CORPORATE & INVESTMENT BANKING (CIB) IN UCB SK
INTERNATIONAL DESK - LOCAL CONTACTS OF UniCredit Bank
Slovakia a. s.
International ID Staff is speaking Italian, English, German, French, Spanish and Russian
A Member of UniCredit Group A Member of UniCredit Group
Fabio Bini Katarina Hajnikova
Head of International Desk Relationship manager International Desk
UniCredit Bank Slovakia UniCredit Bank Slovakia
Sancova 1/A Tel.: 00421 2 4950 2373 Tel.: 00421 2 4950 4004
Sancova 1/A
813 33 Bratislava Fax: 00421 2 4950 3257 Fax: 00421 2 4950 3257
813 33 Bratislava
e-mail: fabio.bini@unicreditgroup.sk e-mail: katarina.hajnikova@unicreditgroup.sk
A Member of UniCredit Group A Member of UniCredit Group
Katarina Krajnakova Jana Asaro
Relationship manager International Desk Account Officer International Desk
UniCredit Bank Slovakia UniCredit Bank Slovakia
Sancova 1/A Tel.: 00421 2 4950 2302 Sancova 1/A Tel.: 00421 2 4950 2073
813 33 Bratislava Fax: 00421 2 4950 3257 813 33 Bratislava Fax: 00421 2 4950 3257
e-mail: katarina.krajnakova@unicreditgroup.sk e-mail: jana.asaro@unicreditgroup.sk
34

35. THE SUPPORT OF UNICREDIT GROUP IN DOING BUSINESS
Fabio Bini, Head of International Desk Foreign Investors Conference
Bratislava, Austria Trend Hotel - 23rd November 2011