At a glance
UniCredit is a pan-European network empowering thirteen banks, leveraging Group synergies.
Confirming our value proposition
UniCredit is well-rooted in local communities and has a leadership position in in the Countries and Regions where we have a presence, especially in terms of profitability and efficiency. Local banks manage their day-to-day operations, cascade and execute the Group Strategy. The Group sets the overarching direction and harmonises scalable activities, bringing everything under a common denominator.
Offering our clients a gateway to Europe.
Ranking based on Net Profit FY2024 for Italy and Germany and 9M24 for CE&EE, as per FY2024 results market presentation methodology. Austria based on total assets at bank level as per last available disclosure.
Central Eastern Europe (CEE) includes the Czech Republic, Hungary, Slovakia, Slovenia, Bosnia and Herzegovina, Bulgaria, Croatia, Romania and Serbia.
The image shows that we are ranked number 3 in Germany and number 2 in Italy, Austria and CEE (1)
UniCredit key figures
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Leading banks
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Talented colleagues*
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Coverage Regions
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Product factories
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Clients worldwide
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Employee Networks active members**
*Headcount as at 31 December 2024.
**Diversity traits represented: LGBTQIA+, Gender, STEM, Disability, Cultural Diversity, Generations, Caregiving.
Placing clients at the centre
We provide top-tier products and solutions, strategic advice and innovation to over one million SMEs and corporates, as well as 14 million affluent, private and other retail clients.
Our best in class in-house solutions, complemented with the top industry expertise of our partners, and powered by reliable digital and data capabilities, create significant value for our clients, firmly positioned at the centre of all we do.
Ushering in a new era of sustainable growth
Having laid the foundations and released our full potential, we’re entering the next phase, where we’ll evolve, not change, our Strategy.
UniCredit Unlocked will maintain the same unifying Vision, Culture and inspiring Purpose, while the focus of the Strategy will be on Unlocking Acceleration to unleash our full potential and widen the competitive gap further to herald a new era of sustainable growth.
In the rest of this report, we dive deeper into our progress against our UniCredit Unlocked Strategy.
UniCredit is built on strong foundations of 13 banks across Europe that converge into a united Group, leveraging scale and scope.
One Vision. One Strategy. One Culture.
How we create value
We’re building the Bank for Europe’s future
Our business model is centred on delivering sustainable growth, built on strong foundations across 13 leading and empowered banks with local coverage close to the clients, leveraging a common denominator: the strength of three product factories with an ecosystem of strategic partners, a centralised and efficient Group Procurement, all continuously streamlined and simplified through our Digital & Operations.
While clients access our services through local banks, our comprehensive offering to meet their needs is created by our three global product factories – Corporate, Individual and Payment Solutions. Each of these factories delivers best-in-class solutions, developed internally or through our dynamic ecosystem of trusted partners.
Enhancing our product offering: three global product factories
The image includes a diagram of our business model which is centred on delivering sustainable growth, built on strong foundations across 13 leading and empowered banks with local coverage close to the clients, leveraging a common denominator: the strength of three product factories with an ecosystem of strategic partners, a centralised and efficient Group Procurement, all continuously streamlined and simplified through our Digital & Operations.
Corporate Solutions
Empowering corporates to progress
We have an extensive corporate client base and we provide them with seamless access to value-added services through three product lines – Advisory & Financing, Client Risk Management, Trade & Correspondent Banking. Combining deep local expertise and a strong cross-border presence, we support our clients with the broader array of products and services that they require, facilitating their growth ambitions.
Individual Solutions
Advising clients to achieve their investment and insurance objectives
Clients benefit from a large and attractive range of products for Retail, Wealth Management and Private Banking across all our markets. By combining our in-house capabilities with external top industry expertise, we provide them with greater choice and access to our global solutions and platforms. We have launched and we are progressing with our in-house brand (onemarkets) and are seamlessly integrating Insurance into our offering, with a unique client base for cross-selling.
Payments Solutions
Every European client's first choice for payments
Our unique pan-European footprint, cross-border positioning, payments expertise and advanced data and technology support our Vision of becoming the first choice for payments in Europe. In 2024 we formed a multi-market partnership with Mastercard, while our new Group Payments Solutions factory, expanded our international offering and nearly doubled the number of corporates accessing our digital portal since 2021.
Nurturing our diverse talent base
UniCredit recognises that it is essential that we unlock the potential of our over 75,000 people, businesses, and communities across Europe.
We have long recognised that an equitable, inclusive and diverse workforce is vital to our business and creates a more fair, inclusive and positive working environment. We believe that when Diversity, Equity and Inclusion work in harmony, great things happen.
Image of bar graphs for International mindset: International presence in BoD is 36%, International presence in Group Executive Committee is 67%. Female representation, BOD is 50%, Group Executive Committee is 50%, and leadership team is 34%.
