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Unicredit Bank

Unicredit Bank is an international banking and financial services group with more than 14 million clients in Western, Central and Eastern Europe. The Group offers a wide range of banking and financial services through its extensive network of over 8,800 branches and approximately 140,000 employees in 18 countries. Unicredit Bank is one of the leading banks in Italy and has a strong presence in Germany, Austria, Eastern and Central Europe, the Balkans, Turkey and Russia.

History

Unicredit Bank was founded in 1870 as the Banca Commerciale Italiana. In 1998, it merged with Credito Italiano to form UniCredito Italiano. In 2007, UniCredito Italiano acquired Capitalia, one of Italy’s largest banks. In 2013, UniCredito Italiano’s name was changed to Unicredit Bank.

Key figures

• Total assets: €1,365 billion
• Net income: €4.3 billion
• Total number of employees: 140,000
• Number of branches: 8,800
• Number of ATMs: 16,000

Business

Unicredit Bank’s business is divided into three main segments: Commercial Banking, Corporate & Investment Banking, and Wealth Management & Insurance.

Commercial Banking

Commercial Banking provides a range of banking and financial services to individuals, small businesses and mid-sized corporations. These services include retail banking, lending, deposit taking, and cash management.

Corporate & Investment Banking

Corporate & Investment Banking provides a range of investment banking, capital markets, and advisory services to large corporations and financial institutions. These services include mergers and acquisitions, debt and equity financing, and risk management.

Wealth Management & Insurance

Wealth Management & Insurance provides a range of wealth management, insurance, and asset management services to high-net-worth individuals and families. These services include financial planning, investment advice, and risk management.

International presence

Unicredit Bank has a strong international presence, with operations in 18 countries across Europe. The Group’s key markets are Italy, Germany, Austria, Eastern and Central Europe, the Balkans, Turkey, and Russia.

Italy

Unicredit Bank is the leading bank in Italy, with a market share of approximately 19%. The Group offers a wide range of banking and financial services to individuals, small businesses, and corporations through its extensive network of over 3,000 branches and approximately 50,000 employees.

Germany

Unicredit Bank is the fifth-largest bank in Germany, with a market share of approximately 5%. The Group offers a wide range of banking and financial services to individuals, small businesses, and corporations through its extensive network of over 1,000 branches and approximately 15,000 employees.

Austria

Unicredit Bank is the second-largest bank in Austria, with a market share of approximately 15%. The Group offers a wide range of banking and financial services to individuals, small businesses, and corporations through its extensive network of over 500 branches and approximately 10,000 employees.

Eastern and Central Europe

Unicredit Bank has a strong presence in Eastern and Central Europe, with operations in 14 countries. The Group offers a wide range of banking and financial services to individuals, small businesses, and corporations through its extensive network of over 2,000 branches and approximately 30,000 employees.

Balkans

Unicredit Bank has a strong presence in the Balkans, with operations in 6 countries. The Group offers a wide range of banking and financial services to individuals, small businesses, and corporations through its extensive network of over 500 branches and approximately 10,000 employees.

Turkey

Unicredit Bank has a strong presence in Turkey, with a market share of approximately 5%. The Group offers a wide range of banking and financial services to individuals, small businesses, and corporations through its extensive network of over 500 branches and approximately 10,000 employees.

Russia

Unicredit Bank has a strong presence in Russia, with a market share of approximately 2%. The Group offers a wide range of banking and financial services to individuals, small businesses, and corporations through its extensive network of over 200 branches and approximately 5,000 employees.

Products and services

Unicredit Bank offers a wide range of banking and financial products and services to its customers. These products and services include:

• Retail banking: current accounts, savings accounts, loans, mortgages, credit cards, and debit cards
• Business banking: current accounts, savings accounts, loans, mortgages, credit cards, and debit cards
• Corporate banking: mergers and acquisitions, debt and equity financing, and risk management
• Investment banking: capital markets, advisory services, and mergers and acquisitions
• Wealth management: financial planning, investment advice, and risk management
• Insurance: life insurance, health insurance, and property insurance

Innovation

Unicredit Bank is committed to innovation and invests heavily in research and development. The Group has developed a number of innovative products and services, including:

• Mobile banking: Unicredit Bank offers a range of mobile banking services, including mobile banking apps, mobile payments, and mobile wallets.
• Online banking: Unicredit Bank offers a range of online banking services, including online banking apps, online payments, and online investing.
• Artificial intelligence: Unicredit Bank is using artificial intelligence to improve its customer service, risk management, and fraud detection.
• Blockchain: Unicredit Bank is exploring the use of blockchain technology to improve its efficiency and security.

Sustainability

Unicredit Bank is committed to sustainability and has a strong track record in environmental, social, and governance (ESG) matters. The Group has been recognized for its sustainability efforts by a number of leading ESG rating agencies, including MSCI ESG Ratings and Sustainalytics.

Environmental

Unicredit Bank is committed to reducing its environmental impact and has set a number of ambitious targets, including:

• Reducing its carbon emissions by 50% by 2030
• Sourcing 100% of its electricity from renewable sources by 2030
• Achieving net-zero emissions by 2050

Social

Unicredit Bank is committed to supporting its employees, customers, and communities. The Group has a number of initiatives in place to promote social inclusion, diversity, and human rights.

Governance

Unicredit Bank is committed to good governance and has a strong track record in corporate governance. The Group has a number of policies and procedures in place to ensure that it is run in a fair, transparent, and accountable manner.

Conclusion

Unicredit Bank is a leading international banking and financial services group with a strong track record in innovation, sustainability, and corporate governance. The Group offers a wide range of banking and financial products and services to its customers and is committed to providing its customers with the best possible banking experience.

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