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Our approach to business

UniCredit approach to business

At UniCredit, we are focused on "banking that matters" which means providing real solutions to real needs, to achieve tangible results.


The way in which these results are achieved is as important as the actual results. This is why we always: Do the right thing!


Values unite a group and define its culture: how decisions are made and acted on. In UniCredit, two values represent what is important today: Ethics and respect. A simple guiding principle ensures we live these values every day: Do the right thing!

This supports UniCredit in the fulfilment of our five fundamentals, which continue to guide our daily operations and actions, making sure we do the right things in the right way.

Our business model

At UniCredit, our "One Bank" integrated business model is based on central support and local excellence, in order to ensure increased proximity to the client and more efficient decision-making processes while maintaining a divisional structure for the governance of CIB (Corporate Investment Banking) business/products, and the governance of Commercial Banking Italy, Germany, Central and Eastern Europe business commercial banking. 

We provide our clients with a full commercial offer which harnesses strong synergies between our businesses, including Corporate & Investment Banking, Commercial Banking and Wealth Management.


Business Model structure


Flexible, easy access to banking products including payments, mortgages, consumer finance, investments and savings accounts offered through traditional and digital channels.



Tailored, profit-driven solutions for entrepreneurs that help them conduct day-to-day business operations and execute new projects or strategies.


Private Banking and Wealth Management

A 360-degree advisory model, customised investment strategies, dedicated investment solutions covering also the more sophisticated needs and access to international markets through specialised advisors.





Corporate & Investment Banking

Traditional corporate and transaction banking services, alongside fully-fledged structured finance, capital markets and investment products, as a strategic long-term partner that meets clients' specific needs and delivers access to Western Europe and CEE.

Facts about our business model


Being a G-SIB

UniCredit is solid and reliable. We are among the 29 financial institutions identified world-wide as a Global Systemically Important Bank (G-SIBs). The higher supervisory expectations are valuable for our customers, ensuring more stability and security in comparison with other players in the banking sector.


Supporting the real economy

UniCredit is proud to support the real economy, encouraging growth and job creation across all the markets where we are present. We are one of the  leading corporate banks, supporting companies with state-of-the-art solutions for credit, capital markets and investments.


Highly specialised partners

UniCredit has a network of highly specialised partners, ensuring we provide our customers with the best products and services in response to their needs.

Learn more about UniCredit Business segments

Commercial Banking in UniCredit



Corporate & Investment Banking

Corporate & Investment Banking

Updated on 03 July 2019.