Who we are

UniCredit is a pan-European Commercial Bank with a unique service offering in Italy, Germany, Central and Eastern Europe. Our purpose is to empower communities to progress, delivering the best-in-class for all stakeholders.

We serve over 15 million customers worldwide. They are at the heart of what we do in all our markets. UniCredit is organised in four core regions and three product factories, Corporate, Individual and Group Payments Solutions. This allows us to be close to our clients and use the scale of the entire Group for developing and offering the best products across all our markets.

Digitalisation and our commitment to ESG principles are key enablers for our service. They help us deliver excellence to our stakeholders and creating a sustainable future for our clients, our communities and our people.

Where we operate

What we do

At UniCredit we are building the bank of Europe’s future. A bank that delivers consistently for our stakeholders and empowers people, business and communities across Europe to progress.

This year we were unrelenting in our execution of UniCredit Unlocked, a strategic plan which is transforming our bank and enabling us to set a new industry benchmark.

At its core, this is about putting clients firmly at the centre of all we do. For our clients we are a gateway to Europe, providing them with best-in-class solutions, strategic advice and innovation.

We deliver competitive products and services that create significant value for over one million SMEs, corporate, multinational corporates, financial institution and public sector clients – as well as 15 million retail, private banking, wealth management and family office clients across the Group.

As a result of three years of transformation, we have brought our thirteen banks together, leveraging their scale and reach across Europe to deliver competitive value-added services to our clients that are customised to their local needs. The strength of two outstanding global product factories – Corporate Solutions and Individual Solutions – is fundamental to this.

Our simplified business model and all our decision-making is driven by UniCredit’s values of Integrity, Ownership and Caring. By embodying these values every day, we have become a true partner to our clients and an engine of social and economic progress in Europe. Today we are operating as one bank, leveraging our pan European footprint and the strength of our workforce to offer the very best to all our stakeholders: our clients, our people and our communities.

The impact of our transformation is clear – evidenced not only by our strong financial performance and quality growth, but the value we have unlocked within our bank and for all our stakeholders. This report outlines our achievements in 2023, a year which is the culmination of three years of transformation and has set up UniCredit for future success.