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Chapter
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Cover
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Reports and Accounts 2004
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BOARD OF DIRECTORS, BOARD OF AUDITORS AND EXTERNAL AUDITORS
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GENERAL MANAGEMENT & MANAGERS OF THE MAIN OPERATING DIVISIONS
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CONTENTS
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CHART OF THE UNICREDIT GROUP
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BRANCH NETWORKS, SUBSIDIARIES AND OFFICES IN ITALY AND ABROAD
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CONSOLIDATED REPORT AND ACCOUNTS
- Report on Operations
- Financial Summary
- Key figures
- Key Financial Ratios and Other Information
- Ratings
- Main Divisional Results
- Reclassified Accounts
- Consolidated Balance Sheet
- Consolidated Profit and Loss Account
- Quarterly Figures
- Consolidated Balance Sheet
- Consolidated Profit and Loss Account
- How the Group has grown 1994-2004
- Operating Results and Performance
- Consolidated Profit and Loss Account
- The Business Environment
- Profit for the year
- Operating Profit
- Net profit
- Net profit analysis: Parent Company vs. Consolidated
- Lending, Deposits and Assets under Management
- Loans to Customers
- Bad and doubtful debts
- Direct and Indirect Deposits
- Direct deposits
- Indirect deposits
- Securities Portfolio and Interbank Position
- Equity Investments
- Shareholders' Equity and Subordinated Debt
- Divisional Operations and Results
- Retail Division
- Corporate and Investment Banking Division
- Private Banking and Asset Management Division
- New Europe Division
- Organisational Structure and Human Resources
- Capital Allocation and Risk Management
- Other Information
- Shares and Shareholders
- The Transition to IAS
- Subsequent Events and Outlook
- Subsequent Events
- Outlook
- Consolidated Accounts and Annexes
- Introduction
- Consolidated Accounts
- Notes To The Consolidated Accounts
- Scope of Consolidation
- Part A - Accounting Principles
- Part B - Notes to the Consolidated Balance Sheet
- Part C - Notes to the Profit and Loss Account
- Part D - Other Information
- Annexes
- External Auditor's report
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UNICREDITO ITALIANO SPA REPORT AND ACCOUNTS
- Contents
- Report on Operations
- Reclassified Accounts
- Balance Sheet
- Profit and Loss account
- The Company's Operations
- Human Resources
- Main Business Areas
- Loans to Customers
- Bad and Doubtful Debts
- Customer Deposits
- Securities Portfolio and Interbank Position
- Equity Investments
- Shareholders' Equity, Subordinated Debt and Capital Ratios
- Profit and Loss Account
- Operating Profit
- Net Profit
- Other Information
- Powers Delegated to Directors
- Related-party Transactions
- Directors', Auditors' and General Managers' Shareholdings
- Own Shares
- Security Plan
- Subsequent Events and Outlook
- Equity Investments
- Board of Directors
- Outlook
- Proposal to the Annual General Meeting of UniCredito Italiano S.p.A.
- Company Accounts and Annexes
- Company Accounts and Annexes
- Company Accounts
- Notes to the Accounts
- Part A - Accounting Policies
- Part B - Notes to the Balance Sheet
- Part C - Notes to the Profit and Loss Account
- Part D - Other Information
- Annexes
- Reports and Resolutions
- Report of the Board of Auditors
- Report of the External Auditors
- Resolutions passed by the Ordinary Shareholders' Meeting
- Notes on calculation methods and glossary
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Back cover
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