At UniCredit, we continue to build our business around clients. This means a unified approach and harmonised service model, which leveraging on our Client Solutions division serves all regions, allowing us to be close to our clients and simplify access to our offerings.
As part of the operating model launched under UniCredit Unlimited, we have distinguished coverage and product, opening up our platform to all Group clients - this allows us to manufacture at scale and deliver targeted product expertise for the benefit of our clients in the countries. We rely on three centralised product factories - Corporate, Individual and Group Payments Solutions - to deliver our best-in-class capabilities.
Corporate Solutions comprises Advisory and Financing Solutions, Client Risk Management, and Group Trade and Correspondent Banking, whilst Individual Solutions covers Brokerage and Assets under Custody, Funds, Insurance and Portfolio Management.
Group Payments Solutions supports corporates, financial institutions and individuals with leading Cash Management, Payments, Acquiring and Issuing solutions.
Our bankers cannot deliver without having the right products, and our products cannot be delivered without our bankers.
This perfectly aligned matrix puts the client at the centre of all that we do.
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• How does UniCredit's pan-European model create value across its markets?
UniCredit operates as a pan-European leading commercial bank built on an integrated model of 13+1 empowered banks. This structure combines local client proximity with the scale, cross-border capabilities and operational excellence of a unified Group. By leveraging digitalisation, shared Group standards and a consistent governance framework, UniCredit ensures seamless client coverage, efficient execution and access to specialised know-how across all its European markets - enhancing value creation for both retail and corporate clients.
• Which client segments are served by UniCredit's Business offering?
UniCredit provides comprehensive coverage for individuals and retail clients, SMEs, mid caps and large corporates, supported by a unified commercial approach and sector‑specific expertise. The Bank's pan European footprint and integrated client‑servicing model ensure reliable, scalable and future‑oriented solutions designed to support sustainable growth. By combining the strength of its local banks with Group‑wide capabilities, UniCredit delivers consistent support tailored to the needs of each client segment.
• How does UniCredit support corporate growth and international development?
UniCredit supports corporate expansion by combining its integrated pan-European network with the specialised expertise of its product factories. This model strengthens access to financing, risk‑management tools, innovative business solutions and sustainable finance products. Through digital innovation, cross‑border coordination and robust ESG integration, UniCredit enables companies to operate efficiently, reduce complexity and accelerate both domestic and international growth.