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Our approach to business
UniCredit has everything it needs to be the bank for Europe's future. This includes incredibly strong foundations across Europe, in our clients, in our people, and in our banks. UniCredit Unlocked will bring these individual organisations together and release the potential within them to create something that is so much more than the sum of its parts.
UniCredit is becoming a simplified, empowered organization with a lean corporate centre that embeds digital and data across the business. We are organised across four regions: Italy, Germany, Central Europe, and Eastern Europe.
UniCredit is powered by two new client agnostic product factories, Corporate Solutions and Individual Solutions, which will deliver best in class products and services to all clients in all geographies.
Together, these make up half of our revenues, which will to grow further as part of a capital-light growth strategy. Under this approach, new best-in-class client-focused products will be developed in-house and through partnering with leading providers.
Through this process of simplification and optimisation, UniCredit will become one fully united bank, delivering for all clients in a unified way.
UniCredit is a pan-European bank leader in 13 countries and a standalone presence in Italy.
UniCredit is one of Europe's leading financial groups and the leading bank in Italy, with an independent management, a widespread network of more than 2,000 branches and 7 million customers. We operate with Seven Territorial Areas across the Country (North West, Lombardy, North East, Central North, Central, South and Sicily) delegated to manage engagements with the territories, capturing local communities' needs and specificities, as well as two product factories: Corporate Solutions and Individual Solutions.
UniCredit is a pan-European bank leader in 13 countries and with HypoVereinsbank one of the leading banks in Germany.
UniCredit is one of Europe's leading financial groups and its local subsidiary HypoVereinsbank is the third largest private bank in the German market. As a universal bank with an independent management, HypoVereinsbank offers a comprehensive range of banking and financial products and services to retail, corporate and public sector customers, international companies and institutional clients. Supported by two product factories, Corporate Solutions and Individual Solutions, HypoVereinsbank's products and services are available through its branch network as well as innovative remote, digital and mobile channels meeting the individual needs of its broad client base.
Through Central Europe we operate in 5 countries: Austria, Czech Republic, Hungary, Slovakia and Slovenia.
In Central Europe, with more than 2 million clients and a market share of around 11%, we are the leading bank in Austria by assets and, overall, number two by number of clients and assets.
Through Eastern Europe we operate in 5 countries: Bosnia and Herzegovina, Bulgaria, Croatia, Romania, Russia and Serbia.
In Eastern Europe, with more than 4 million clients, we are the leading bank with a market share that is well above 15% in many countries. In particular, we are number one in Bosnia and Herzegovina, Bulgaria and Croatia and - among top three - for corporates in Romania and Serbia.