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Our People: a portrait in numbers

Number of Employees by Country, 2008-2010
Country Head Count 2010 Head Count 2009 Head Count 2008
Italy 55,814 57,969 60,673
Germany 24,195 23,906 25,790
Austria 11,742 11,987 12,517
Poland 21,166 21,167 21,918
Bulgaria 4,595 4,562 4,598
Croatia 5,278 5,251 5,422
Czech Republic 2,838 2,715 2,777
Hungary 2,548 2,501 2,351
Romania 4,761 4,443 4,544
Russia 4,251 4,573 4,574
Others 37,733 38,540 41,520
Total 174,921 177,614 186,684
Percentage of Employees by Employment Tier, 2008-2010
Employment Tier 2010 2009 2008
Senior management 0.38% 0.37% 0.36%
Executive & middle management 15.24% 14.86% 14.71%
Staff 84.38% 84.77% 84.93%
Total 100% 100% 100%
Percentage of Employees by Contract Type, 2008-2010
2010 2009 2008
Fixed-Term Permanent Fixed-Term Permanent Fixed-Term Permanent
3.62% 96.38% 3.33% 96.67% 3.95% 96.05%
Percentage of Employees by Educational Level and Employment Tier, 2010
Employment Tier Advanced Degree Bachelor's Degree High School Diploma Other Total
Senior management 38.13% 44.30% 11.40% 6.17% 100%
Executive & middle management 21.09% 42.36% 32.97% 3.58% 100%
Staff 13.56% 32.26% 43.79% 10.39% 100%
Percentage of Employees by Length of Employment and Employment Tier, 2010
Employment Tier 0-10 11-20 21-30 >30 Total
Senior management 52.95% 26.36% 12.51% 8.18% 100%
Executive & middle management 34.82% 31.43% 21.45% 12.30% 100%
Staff 47.82% 26.36% 17.12% 8.70% 100%
  1. The data in this appendix apply to UniCredit's employee head count as of December 31, 2010. Certain data is drawn from a population of less than 100 percent. Here we use the () symbol to indicate data drawn from a population that makes up 97 percent of head count, and the () symbol to indicate data drawn from a population that makes up 99 percent of head count. Due to the introduction of a new method of employment tier classification, some data included here may not be directly comparable to figures presented in the 2008 Sustainability Report. Our employee data does not include external staff (e.g., interns or consultants). Number reflects all employees of subsidiaries consolidated proportionally, at 100 percent.
Percentage of Employees Leaving Employment by Reason, 2009-2010
Reason for Leaving1 2010 2009
Retirement – employees who left to retire* 6.1% 7.4%
Restructuring – employees who left due to a common agreement or industrial plan negotiated
with trade unions
22.3% 18.3%
Individual agreements – employees who left due to individual or one-to-one agreements 16.3% 24.0%
Resignation – employees who resigned 34.5% 30.3%
Dismissal – employees who left the bank involuntarily 6.0% 7.6%
Other – all remaining reasons, including death 14.8% 12.4%
Total 100% 100%
1 This data applies to transfers of personnel to or from the external job market. The total head count as of December 31, 2010, takes into account the recent consolidation of certain legal entities, which was not considered in the compilation of hiring data for 2010.
* Retirements triggered by restructuring have been reported under restructuring rather than under retirement.
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Turnover Rate 2010 2009 2008
Total turnover rate 8.6% 9.0% 11.8%
 
Turnover Rate by Gender () 2010 2009  
Female 7.9% 8.4%  
Male 9.0% 9.6%  
 
Turnover Rate by Age () 2010 2009  
Up to 30 years 14.3% 14.4%  
31-40 years 5.8% 6.1%  
41-50 years 3.4% 4.1%  
Over 50 years 13.6% 14.5%  
1 Turnover rates have been calculated as follows: (number of head count who left employment in 2010) / (total head count at the beginning of 2010).
Differential Between Male and Female Compensation by Employment Tier, 20101
Employment Tier 2010
Senior management 74%
Executive & middle management 65%
Staff 67%
1 This data was drawn from a population that represented 71 percent of the head count. For each tier, the ratios have been calculated as follows: [(total gross salary of female employees) / (female head count)] / [(total gross salary of male employees) / (male head count)].

Diversity Management

Percentage of Employees by Employment Status and Gender, 2008-2010
Gender 2010 2009 2008
Part-Time Full-Time Part-Time Full-Time Part-Time Full-Time
Male 9.04% 44.59% 8.04% 44.75% 8.61% 45.05%
Female 90.96% 55.41% 91.96% 55.25% 91.39% 54.95%
Total 100% 100% 100% 100% 100% 100%
Percentage of Female with Part-Time Contracts out of all Women by Employment Tier, 2008-2010
Employment Tier 2010 2009 2008
Executive & middle management 2.41% 2.23% 2.81%
Staff 15.25% 14.06% 13.31%
Total 17.66% 16.29% 16.12%
Percentage of Employees by Educational Level and Gender, 2010
Gender Advanced
Degree
Bachelor's
Degree
High School Diploma Others
Male 32.40% 42.24% 42.21% 46.01%
Female 67.60% 57.76% 57.79% 53.99%
Total 100% 100% 100% 100%
Number of Employees in Protected Categories, 20101
Country 2010
Italy 3,770
Germany 675
Austria 229
Bulgaria 66
Croatia 22
Czech Republic 0
Hungary 0
Romania 12
Russia 0
1 Employees in protected categories are reported according to the requirements of applicable local laws. Alternative solutions are implemented as required by law.
Number and Percentage of Employees Promoted to Higher Contractual Job Grade by Gender and Country, 2010
Country Number Percentage
Male Female Male Female
Italy 2,815 2,754 51% 49%
Germany 451 192 70% 30%
Austria 43 20 68% 32%
Poland 75 199 27% 73%
Bulgaria 18 43 30% 70%
Croatia 104 296 26% 74%
Czech Republic* not available not available not available not available
Hungary 52 105 33% 67%
Romania 153 614 20% 80%
Russia 207 400 34% 66%
Others 2,162 3,181 40% 60%
Total 6,081 7,804 44% 56%
* Data for promotions in the Czech Republic in 2010 are unavailable due to the ongoing redefinition and alignment of local policy with UniCredit's policy on promotions.

Training

Training Hours Pro Capite by Employment Tier and Type of Training, 20101
Employment Tier Managerial Training Technical Training Foreign Language Training
Senior management – executive & middle management 12.4 28.7 4.4
Staff 0.9 26.4 3.3
1 This data was drawn from a population that represented 74 percent of the employee head count. Training hours include e-learning, classroom instruction and training on the job.
Number of Training Hours for Anti Corruption, Anti Money Laundering and MiFID Courses, 20101
Courses Number of Training Hours
Anti Corruption 36,718
Anti Money Laundering 190,286
MiFID 69,789
1 Courses are identified as compulsory according to country/local law. Data covers 70 percent of employee head count.

Industrial Relations1

UniCredit fully complies with local laws and terms and conditions of collective labor agreements that set out employees' freedom of association and collective bargaining rights.

The following principles are the cornerstones of our employees' rights:

As a leading financial services provider, our principle asset is a highly skilled workforce. Thus, issues associated with human rights and child and forced labor are not highly relevant to our daily internal operations. Nonetheless, we remain aware of the sensitive nature of these subject matters.

Industrial Relations has always played an important role at UniCredit, and we fully acknowledge the strategic importance of maintaining a close and mutually respectful relationship with employee representatives. Our shared goal, as always, remains promoting and safeguarding the rights and labor conditions of our employees.

In 2010, several agreements with employee representatives were signed in many countries. Key issues covered included compensation, pension plans, voluntary redundancy plans and healthcare services. The successful conclusion of negotiations on these topics speaks to the high quality of the dialogue and partnership achieved over the past few years thanks to the mutual efforts of both the company and the employee representatives.

Major accomplishments related to the European Works Council (EWC) include:

Percentage of Employees Covered by Collective Bargaining Agreements, 2008-2010
Country 2010 2009 2008
Italy sector and national 100% sector and national 100% sector and national 100%
Germany / UniCredit Bank AG sector 55.7% sector 57% sector 58%
Germany / UCBP sector 99.54% sector 99.55% not applicable*
Germany / UGIS sector 27.1% sector 29.9% sector 31.76%
Austria sector 100% sector 100% sector 100%
Bulgaria company 100% company 100% company 100%
Croatia company 100% company 100% company 100%**
Czech Republic*** sector and company 100% sector and company 100% sector and company 100%
Hungary**** not applicable not applicable not applicable
Romania / UniCredit Tiriac Bank company 100% company 100% national 100%
Romania / UCBP company 100% company 100% company 100%
Russia*** company 100% company 100% company 100%
** This company was established in 2009.
** This data includes all managers. Certain provisions of the collective bargaining agreement also apply to them, but only with regard to issues not included in their individual contracts.
*** This company's labor agreement is now in scope.
**** No collective bargaining agreement of any kind is in place.
Number of Meetings Between Company and Employees Representatives in 20101
Country 2010
Italy Approximately 850
Germany Approximately 410
Austria Approximately 70
Bulgaria 6
Croatia 21
Czech Republic 13
Hungary 16
Romania Approximately 20
1 Industrial relations systems vary according to applicable national labor laws and differing methods of representation at the national and local levels. Accordingly, workers may be represented by trade unions, works councils or other representatives. As a result, the frequency of meetings varied in line with differing industrial relations norms and laws.
Notice Period Typically Provided to Employees and their Elected Representatives prior to the implementation of Significant Operational Changes that Could Substantially Affect Them
Country Legal Number of Months/Weeks/Days Notice Notice Period Specified in Collective Bargaining Agreements Notes
Italy 25 days yes Italian labor law states that unions must be informed and consulted 25 days before any change becomes effective. The National Collective Bargaining Agreement of the credit sector provides for different notification and consultation procedures that may vary from 15 to 50 days, depending on the nature of the changes undertaken
Germany no National regulations do not specify the number of weeks of notice typically provided for consulting employee representatives. The information must be provided to the works council before any decision is made by management, thus making substantial negotiations about the implementation of measures possible. The employers and works council must reconcile their interests, and major alterations may not begin unless this reconciliation is achieved or at least attempted
Austria no Information must be provided to the works council before the decision is made by management, thus making substantial negotiations about the implementation of measures possible. Austrian legislation does not state any specific timeframe for this issue
Bulgaria 45 days no Bulgarian labor law stipulates: Right to information upon Collective Dismissal: When an employer is contemplating collective dismissals, said employer shall be obliged to begin consultations with the trade union organizations' representatives and with the factory and office workers' representatives in good time but not later than 45 days before the said dismissal are to take effect, and to make efforts to reach an agreement with said representatives so as to avoid collective dismissals or reduce the number of workers affected and to mitigate the consequences of the said dismissals
Croatia 8 days yes Further in details are described in the company labor rules
Czech Republic 2 months no Every major operational change must be discussed with the trade union and communicated to employees. The time provided before the change's implementation is typically two weeks. In the collective agreement, there is no specification for the timing or nature of changes. The official notice period given by labor code is two months starting from the first day of the month following the month of the change communicated
Hungary min. 30 days no The notice period is typically 30 days (after a 3 months probation period). The works council must be informed by the company and has 15 days in which it can give its feedback. After this period, changes may be implemented. No agreement is needed, only the timely provision of information.
Romania yes No established notice period is required for this issue. Employees must be informed in good time before any major change within the organization. For collective dismissals under the Company Collective Bargaining (UniCredit Tirac Bank and UCBP), there are additional specifications
Russia 2 months no The legal requirement is a minimum of two months notice. This requirement does not need to be specified in collective agreements, as it is obligatory

Welfare, work-life balance and health and safety2

Welfare

Our colleagues enjoy welfare, healthcare and work-life balance-related benefits that are supplementary to social security plans and minimum contractual requirements. These benefits are intended to provide substantial guarantees for the well-being of staff and their family members during their active career as well as their retirement.

Types of Retirement Plans Offered to Employees, 2010
Country Principal Types of Retirement Plans
Italy Defined benefit plans and defined contribution plans are in place. Most of the complementary pension plans concern defined contribution funds. There are also defined benefit funds (unavailable to new employees) with or, as in most cases, without separate funds. In 2010, the liabilities of these funds, estimated on an actuarial basis pursuant to international accounting standards, appear to be adequately covered due to an increase in the discounting back rate deriving from the estimates of economic variables (for further details, please see the 2010 Consolidated Reports and Accounts). Since 2009, in order to pursue the best balance between yields, costs and risks connected with complementary pension plans (i.e., to profit from greater assets and economies of scale), UniCredit has been signing collective labor agreements that provide for the transfer of those employees who are members of a Group pension over to the Fondo pensione per il personale delle aziende del Gruppo UniCredit. This is the so–called UniCredit Group Pension Fund, which is the only fund out of all 16 different funds that, as of December 31, 2010, involves the employees of UniCredit's Italian legal entities and is open to new entries. As of 2010, roughly 12,070 employees were involved in such collective transfers.
Germany Defined benefit plans and defined contribution plans are in place. Defined benefit plans*: a variety of different defined benefit plans that stem from our company's history. The main distinguishing feature is that some plans are final pay plans (a certain percentage of the last gross salary is the pension) and some are career average plans (a percentage of the gross salary of a year is converted into a fixed pension amount). All of these plans are closed to new entries. Defined contribution plans: there are two career average plans, one is closed to new beneficiaries, the other one is open to new beneficiaries. A certain percentage of monthly gross salary is used as a fixed pension amount. In the event of a surplus in the assets under management, employees have the option to credit the profits to their individual pension accounts. But there is no guarantee of this.
Austria Defined contribution plans
Bulgaria No plan
Croatia** Defined contribution plans
Czech Republic Not applicable***
Hungary Not applicable***
Romania No plan
Russia Defined contribution plans
* As of December 31, 2010, defined benefit plans are nearly fully funded via contractual trust arrangements (in Germany) or via pension funds (outside of Germany).
** Bank contributions began in December 2010.
*** Every employee has the option of joining a voluntary pension insurance program. The employee signs a contract with an insurance company after choosing a policy independently. UniCredit is only privy to the amount of the contribution that the employee asks the bank to make.
Welfare Systems1, 2010
Country National Mandatory Welfare System Voluntary Company Welfare System Percentage of Employees
Who Can Access the Voluntary Company Welfare System
Italy yes yes 100%
Germany yes yes 100%
Austria yes yes 100%
Bulgaria yes yes 100%
Croatia yes yes 100%
Czech Republic yes yes 100%
Hungary yes yes 100%
Romania yes no not applicable
Russia yes yes 100%
1 Welfare systems include pension plans and/or health insurance plans, in accordance with differing national and local laws.
Contribution by the Employee and/or Employer to the Voluntary Company Pension System
Country Contribution from the Employer Contribution from the Employee
Italy 2% or 3% Minimum 2%
Germany / UniCredit Bank AG The total amount ranges from 2.75% to 15% of gross salary. In 2010, an additional 0.25% of salary for all employees (excluding executives and total compensation) was introduced. 1.25% to 2.5% of gross salary
Germany / UCBP and UGIS 2.5% - 10% of monthly or yearly gross salary 1.25% - 2.5% of gross salary
Austria 2.9% or more Arrangements between the pension fund and the employee are made on an individual basis.
Bulgaria Not applicable Not applicable
Croatia* 1.5% of employees' salaries 0%
Czech Republic** Max. 24,000 CZK per year (approximately €900) Not specifically required; tax optimal maximum 17,500 CZK (approximately €680) per year
Hungary** 0% Maximum 5% of the basic gross salary of the employee
Romania Not applicable Not applicable
Russia 7% of employees monthly gross salary 7% of employees monthly gross salary
* Bank contributions began in December 2010.
** Every employee has the option of joining a voluntary pension insurance program. The employee signs a contract with an insurance company after choosing a policy independently. UniCredit is only privy to the amount of the contribution that the employee asks the bank to make.

Work-life balance and healthcare initiatives

Regarding healthcare expenses, most UniCredit employees are supported by a variety of insurance policies, health funds and other benefits (e.g., prevention initiatives, special arrangements for medical costs, benefit platforms enabling employees to select plans best suited to their needs, etc.).
Additional benefits are offered to support colleagues and their families during different stages of their lives, ranging from childcare services, sport and leisure activities, lunch plans, access to company cafeterias, and special terms and conditions on various UniCredit banking products.
Part-time employees are offered the same benefits as their full time colleagues.

In 2010, highlights of our healthcare and work-life balance initiatives included the following:

Transition Assistance Programs to Support Employees Facing Retirement or Termination, 2010
Countries Where Programs Are Available Pre-Retirement Planning Retraining for Those Intending to Continue Working Severance Pay Job Placement Services Assistance with Transitioning to a Non-Working Life (e.g., Training, Counseling, etc.)
Italy no no yes yes (only executives) no
Germany* yes yes yes yes yes
Austria yes yes yes yes yes**
Croatia yes no yes no no
Czech Republic no yes yes yes no
Romania no no yes no no
* This data only includes UniCredit Bank AG and UGIS.
** Assistance initiatives are implemented in cases of reorganization.

Health and safety management

The best approach to managing the health and safety of our employees involves remaining in compliance with and inspired by the law. As the primary source of our guidelines, the law provides specific timing and procedures for all relevant topics.
Our commitment to being a great place to work is the foundation of our approach to health and safety.
Those departments responsible for health and safety must provide the following services:

Formal Joint Management-Worker Health and Safety Committees, 2010
Country Existence of a Formal Joint Management-Worker Health
and Safety Committee
Percentage of Employees Represented in the Committee Level at which
the Committee Operates
Italy no not applicable not applicable
Germany yes all non-managerial employees legal entity
Austria yes 100% legal entity
Bulgaria yes 100% legal entity
Croatia yes 100% legal entity
Czech Republic no not applicable not applicable
Hungary no not applicable not applicable
Romania yes 100% legal entity
Russia no not applicable not applicable
Formal Agreements with Trade Unions on Health and Safety Issues, 2010
Country Existence of Formal Agreements with Trade Unions Brief Description
Italy yes Provision for the election of the so-called RSL (Employee Representatives for Safety) and their activities, which include trainings and regulations related to workplace access.
Germany yes In 2010, in a joint declaration for the private and public banking sectors, key factors for maintaining a healthy workforce were listed. This list included respect and trust towards employees, the further development of measures to maintain and promote the health of employees and to strengthening preventative methods. It also acknowledged that health prevention already plays an important role in the banking sector.
Austria no Not applicable
Bulgaria yes Additional health insurance benefits, which are a part of a collective labor agreement, include the following medical care packages: - health insurance package Prophylaxis - health insurance package Non-hospital Medical Care - health insurance package Hospital Medical Care - health insurance package Medical services regarding conditions of life and other additional conditions
Croatia yes Complete coverage of health and safety issues.
Czech Republic yes In the Collective Agreement has set forth the right of trade unions to control the level of health and safety at work and to actively participate in the improvement of conditions.
Hungary no Not applicable
Romania (UniCredit Tiriac Bank) yes Mandatory medical check-ups, safety conditions, trainings on safety issues and obligations, assuring proper environmental conditions and adequate work conditions in terms of sanitation and ergonomics.
Romania (UCBP) yes Comprises a distinct chapter of the collective agreement, with main topics including safety trainings and annual medical check ups.
Russia no Not applicable
Rates of Injury, Lost Days and Absenteeism, 20101
Country Injury2 Lost Day3 Absentee4
Italy 3.71 0.17 5.95
Germany 3.33 0.03 5.67
Austria 0.25 0.03 4.47
Bulgaria 0.97 0.05 3.23
Croatia 1.15 0.02 3.82
Czech Republic 0.95 0.02 3.49
Hungary 0.82 0.00 2.94
Romania 0.00 0.00 3.68
Russia 0.00 0.00 3.60
  1. This data was drawn from a population that represented 61 percent of the total head count.
  2. This was calculated as follows: (total no. of workplace injuries/total working hours)*1,000,000. Injuries are recorded as per applicable local law.
  3. This was calculated as follows: (total no. of days of absence due to injuries/total working hours)*1,000.
  4. This was calculated as follows: (total no. of days of absence/total working hours)*1,000. Days of absence refers to: injuries, illness, strikes and other reasons (i.e. medical controls, election days)
Number of Disputes Concerning Labor Issues
Countries in which Disputes Are Present Opened Prior 2010 Opened During 2010 Closed During 2010 Still Open as of Dec. 31, 2010
Italy* 1,219 284 286 1,217
Germany 17 27 25 19
Austria 8 7 5 10
Bulgaria 34 29 38 25
Croatia 23 4 4 23
Czech Republic 0 2 1 1
Romania 10 11 12 9
Total 1,311 364 371 1,304
* Data for Italy includes the following: UniCredit S.p.A., FinecoBank S.p.A., i-Faber S.p.A., UniCredit Management Bank S.p.A., UniCredit MedioCredito Centrale S.p.A., Pioneer Investment Management, UniCredit Factoring S.p.A., UniCredit Leasing S.p.A., Quercia Software S.p.A., UniCredit Audit S.C.p.A., UniCredit Business Partner S.C.p.A., UniCredit Global Information Services S.C.p.A., UniCredit Real Estate S.C.p.A., UniCredit Bank AG Milan Branch. The data drawn from the period prior to January 1, 2010, has been recalculated in accordance with the new data-gathering perimeter. Previous data-gathering methods did not consider some disputes managed by certain legal entities within the Group.
Number of Disputes Concerning Welfare Issues
Countries in which Disputes Are Present Opened Prior 2010 Opened During 2010 Closed During 2010 Still Open as of Dec. 31, 2010
Italy* 106 13 7 112
* Data for Italy includes the following: UniCredit S.p.A., FinecoBank S.p.A., i-Faber S.p.A., UniCredit Management Bank S.p.A., UniCredit MedioCredito Centrale S.p.A., Pioneer Investment Management, UniCredit Factoring S.p.A., UniCredit Leasing S.p.A., Quercia Software S.p.A., UniCredit Audit S.C.p.A., UniCredit Business Partner S.C.p.A., UniCredit Global Information Services S.C.p.A., UniCredit Real Estate S.C.p.A., UniCredit Bank AG Milan Branch. The data drawn from the period prior to January 1, 2010, has been recalculated in accordance with the new data-gathering perimeter. Previous data-gathering methods did not consider some disputes managed by certain legal entities within the Group.
Number of Disputes Concerning Administrative Bodies
Countries in which Disputes Are Present Opened Prior 2010 Opened During 2010 Closed During 2010 Still Open as
of Dec. 31, 2010
Italy* 3 2 1 4
Germany 1 0 0 1
Total 4 2 1 5
* Data for Italy includes the following: UniCredit S.p.A., FinecoBank S.p.A., i-Faber S.p.A., UniCredit Management Bank S.p.A., UniCredit MedioCredito Centrale S.p.A., Pioneer Investment Management, UniCredit Factoring S.p.A., UniCredit Leasing S.p.A., Quercia Software S.p.A., UniCredit Audit S.C.p.A., UniCredit Business Partner S.C.p.A., UniCredit Global Information Services S.C.p.A., UniCredit Real Estate S.C.p.A., UniCredit Bank AG Milan Branch.

Restorative Justice System

Number of Cases Accepted by the Restorative Justice System: Breakdown by Country, 2008-2010
Country Starting Date Total Number of Cases from 2008 to 2010 2010 2009 2008 Number of Closed cases Number of Pending cases
Italy 1 October 2006 331 67 97 80 328 3
Germany 1 January 2007 104 19 28 28 97 7
Austria 1 March 2007 48 14 11 12 46 2
Poland 1 January 2008 100 41 26 33 99 1
Bulgaria 1 March 2008 34 11 10 13 34 0
Croatia 1 March 2008 38 10 11 17 38 0
Czech Republic 1 October 2008 30 16 11 3 30 0
Hungary 1 September 2007 72 17 17 22 71 1
Romania 1 March 2009 18 9 9 not applicable 13 5
Russia 1 July 2009 3 2 1 not applicable 3 0
Baltic Countries* 1 February 2009 5 0 5 not applicable 5 0
Serbia 1 April 2009 9 3 6 not applicable 8 1
Slovakia 1 September 2007 9 0 4 3** 9 0
Slovenia 1 February 2008 32 15 5 12 31 1
Total 833 224 241 223 812 21
* The Baltic Countries include Estonia, Latvia and Lithuania.
** In the 2008 Sustainability Report, one additional case was mistakenly classified under the Restorative Justice System.
Focus on Closed Cases: Breakdown by Country and Methods Employed, 2010
Country Closed Cases Not Admitted Cases Mediation Refused Renounced Cases Cases Solved without rjs Tools Others Total Number of Cases Deploying rjs Tools Tool Used: Mediation Tool Used: Meetings Tool Used: Notice
Italy 328 70 11 49 44 0 154 21 74 59
Germany 97 2 0 6 48 0 41 6 10 25
Austria 46 3 2 5 5 0 31 1 8 22
Poland 99 14 2 20 16 0 47 0 15 32
Bulgaria 34 4 0 2 0 0 28 0 23 5
Croatia 38 17 0 0 0 1 20 2 3 15
Czech Republic 30 2 0 6 4 0 18 0 5 13
Hungary 71 11 0 18 5 5 32 0 7 25
Romania 13 5 0 4 0 1 3 0 3 0
Russia 3 0 1 0 0 0 2 0 1 1
Baltic Countries* 5 0 0 0 1 1 3 0 3 0
Serbia 8 0 0 0 1 2 5 2 3 0
Slovakia 9 1 0 0 0 0 8 0 2 6
Slovenia 31 4 0 10 7 3 7 0 4 3
Total 812 133 16 120 131 13 399 32 161 206
* The Baltic Countries include Estonia, Latvia and Lithuania.
  1. This data is drawn from the following subset of Group entities unless stated otherwise:
    Germany: UniCredit Bank AG, UniCredit Global Information Services S.C.p.A. (UGIS, German branch), UniCredit Business Partner S.C.p.A. (UCBP, German branch)
    Austria: UniCredit Bank Austria AG
    Bulgaria: UniCredit Bulbank AD
    Croatia: Zagrebačka banka DD
    Czech Republic: UniCredit Czech Republic a.s.
    Hungary: UniCredit Bank Hungary Zrt., UniCredit Jelzalogbank Zrt., UniCredit CAIB Hungary Ltd, UniCredit Factoring Pénzügyi Szolgáltató Zrt., Sas-Real KFT
    Romania: UniCredit Tiriac Bank S.A., UniCredit Business Partner S.C.p.A. (UCBP, Romanian branch)
    Russia: ZAO UniCredit Bank
    Italian entities include all except for the following: Aspra Finance S.p.A., Breakeven S.r.l., Entasi S.r.l., EuroFinance 2000 S.r.l, Trevi Finance 2 S.p.A., Trevi Finance 3 S.r.l., Trevi Finance S.p.A.
  2. This data is drawn from the following subset of Group entities unless stated otherwise:
    Germany: UniCredit Bank AG, UniCredit Global Information Services S.C.p.A. (UGIS, German branch), UniCredit Business Partner S.C.p.A. (UCBP, German branch)
    Austria: UniCredit Bank Austria AG
    Bulgaria: UniCredit Bulbank AD
    Croatia: Zagrebačka banka DD
    Czech Republic: UniCredit Czech Republic a.s.
    Hungary: UniCredit Bank Hungary Zrt., UniCredit Jelzalogbank Zrt., UniCredit CAIB Hungary Ltd, UniCredit Factoring Pénzügyi Szolgáltató Zrt., Sas-Real KFT
    Romania: UniCredit Tiriac Bank S.A., UniCredit Business Partner S.C.p.A. (UCBP, Romanian branch)
    Russia: ZAO UniCredit Bank
    Italian entities include all except for the following: Aspra Finance S.p.A., Breakeven S.r.l., Entasi S.r.l., EuroFinance 2000 S.r.l, Trevi Finance 2 S.p.A., Trevi Finance 3 S.r.l., Trevi Finance S.p.A.