Communities
Financial inclusion
Family & SME / Retail division: percentage of total branches in sparsely settled or
economically disadvantaged areas as of December 31, 2012A
Country Percentage
Italy 19.3%
Germany 4.7%
Poland 100%
Bosnia and HerzegovinaB 100%
Bulgaria 100%
Croatia B
100%
Czech Republic 75.7%
Hungary 43.3%
Kazakhstan B
100%
Romania 100%
RussiaB 100%
Serbia B
100%
Slovakia 75.3%
Slovenia 100%
Ukraine B
100%
A. Relating to EU Countries, in order to identify disadvantaged areas, we used the NUTS classification (Nomenclature of territorial units for statistics: a
hierarchical system for dividing up the economic territory of the EU ). In particular, we considered those Regions at level 2 of the NUTS classification
whose GDP (Gross Domestic Product) per inhabitant is less than 75% of the Community average (http://ec.europa.eu/regional_policy/archive/policy/
region/index_en.htm). Based on this classification, there are no sparsely settled or economically disadvantaged areas in Austria.
B. In these countries we considered as disadvantaged areas the whole territory, since the a study of the IMF published in April 2012 these
countries are considered developing economies (http://www.imf.org/external/pubs/ft/weo/2012/01/pdf/text.pdf).
54 2012 Sustainability Report · UniCredit