UAt home throughout Europe, we are the partner of choice for our clients’ increasingly sophisticated demands in financing, advisory, investments and protection. We serve over fifteen million clients in a cohesive manner, connecting them to our thirteen banks. Our purpose is to empower communities to progress, delivering best-in-class products and services to all stakeholders, whilst unlocking the potential of our clients and our people.
We have a harmonised service model, leveraging on our Client Solutions division which serves all regions allowing us to be close to our clients and simplify the access to our offerings. The combination of centralized product factories with the coverage of our local banks harnesses economies of scale while customizing product solutions at a country level.
Client Solutions is based on two excellent product factories:
Within Corporate Solutions, we facilitate access to value-added services for our corporate clients
through four specific product lines: Transactions & Payments, Specialised Lending, Client Risk
Management and Advisory & Capital Markets.
At the same time, within Individual Solutions the Group Investment Strategy creates unique
investment strategies for our clients across geographies, whilst Group Investment & Protection
Products ensures a rich product offering of investment and protection products for our retail,
wealth management and private banking clients.
We are the third-largest corporate lender in
Europe1. As a leader in debt and trade finance, we have been the most active player in EUR bonds
since 2013 in our Home Markets2. Our strong positioning is deeply-rooted in our core coverage
regions and has been confirmed across client segments over the course of last year. For corporates,
we are #3 Bookrunner EMEA bonds in EUR3 and #3 for EMEA corporate loans3, while for Financial
Institutions, we are #2 in EMEA covered bonds in EUR4. On the investment side, we manage EUR 745 bn
of Total Financial Assets (TFA).5
We are recognised as a trade finance powerhouse in Western, Central and Eastern Europe6, whilst at the same time operating at the vanguard of innovation in instant and faster payments thanks to our prominent position in the digital transformation of financial services.
Digitalisation and our commitment to ESG, where we rank #3 in All EMEA Green & ESG-linked Syndicated loans7, remain key enablers for our service. They help us deliver excellence to our stakeholders and create a sustainable future for our clients, our communities and our people.
1 Data as of 4Q22 (otherwise the last available) for Peers and UC as of 4Q22, based on available public data; peers include: BNP, Deutsche Bank, Santander, HSBC, ISP, SocGen. FX exchange rate at 30 September 2022;
2 Italy, Germany, Austria, Bosnia and Herzegovina, Bulgaria, Croatia, Czechia, Hungary, Romania, Serbia, Slovakia, Slovenia; Cumulative (period: 2013 – 2022). Source: Dealogic as of 2 Jan 2023 (period: 1 Jan 2013 – 31 Dec 2022)
3 By number of deals. Source: Dealogic Cortex as of 2 Jan 2023; period: 1 Jan – 31 Dec 2022
4 By volume and number of deals. Source: Dealogic as of 2 Jan 2023 (period: 1 Jan – 31 Dec 2022)
5 Source: Divisional Database FY22 UniCredit (Income Statement), https://www.unicreditgroup.eu/en/investors/financial-reporting/group-results.html;
6 As evidenced by the recent awards in Cash Management, Trade Finance, Transaction Banking and Supply Chain Finance
7By volume. Source: Dealogic as of 7 Jan 2023 (period: 1 Jan – 31 Dec 2022)