Our 15 million clients are our most important assets – they are the reason we exist and the focus of everything we do.

While there remains much to do, the last 12 months saw us take great strides in accelerating UniCredit Unlocked and providing clients with a new way of banking. We did this by investing in improved product factory capabilities, greater use of technology and a more streamlined, agile organisation. All of which were delivered by a talented, committed workforce capable of empowering clients and communities and helping UniCredit be the bank for Europe’s future.


Our ambitions

To support our clients and keep them at the centre of everything we do
To develop best-in-class products and services
To strengthen our advisory services and strategic dialogue

Our progress so far

Putting clients at the centre

Every client interaction and decision starts with a simple question: how can we improve to give clients the products, services and support they need to thrive? This is true for all our clients, regardless of size – from individuals and SMEs to major corporates operating internationally. 

Our bank network is a real advantage here and a cornerstone of the UniCredit Unlocked strategy. We have 13 banks across Europe – and we leverage their combined scale while also retaining their individual local identities and strengths.

for a single card multi-market strategy of scale in Europe
assets under management at the end of 2023

Next steps

We have come a long way since starting our journey to transform UniCredit into a more client-focused bank. But there is also a lot more yet to do.

Our transformation will continue in 2024 and beyond, as we seek to elevate our fee base by investing in a comprehensive offering that meets all clients’ needs, leveraging on our inherent strengths and best-in-class partnerships.

A photo of a flotilla of boats in the sea

Floating a luxury yacht-maker

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A photo of two telecoms towers set against a sunset sky

Underlining our strength in telecoms

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A photo of scientists in a lab

Enabling growth in a tough environment

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A year of powerful transformation

Together, every change we make, every month of the year, throughout all our businesses across all our geographies, all contributes to delivering the biggest transformation in our history.

Discover our 2023 milestones
timeline with stories in bubbles

Financial progress

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People and Culture

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