Our business

We're building the Bank for Europe's Future.

Our business model is centred on delivering sustainable growth, built on strong foundations across 13 leading and empowered banks with local coverage close to the clients, leveraging a common denominator: the strength of three product factories with an ecosystem of strategic partners.

Enhancing our product offering: three global product factories

Our clients engage with us through their local banks, but behind this local presence lies a powerful global infrastructure. We deliver comprehensive solutions through three specialized product factories: Corporate Solutions, Individual Solutions, and Payment Solutions. Each factory creates best-in-class offerings by combining our internal expertise with our carefully curated ecosystem of trusted partners, ensuring we can meet every client need with precision and innovation.

Through this process of simplification and optimization, UniCredit is fulfilling its vision of becoming one fully united bank, empowering communities to progress and delivering superior service for all clients in a unified way.

• CORPORATE SOLUTIONS
  
  

Empowering corporates to progress

We have an extensive corporate client base and we provide them with seamless access to value-added services through three product lines - Advisory & Financing, Client Risk Management, Trade & Correspondent Banking. Combining deep local expertise and a strong cross-border presence, we support our clients with the broader array of products and services that they require, facilitating their growth ambitions.

• INDIVIDUAL SOLUTIONS
  
  

Advising clients to achieve their investment and insurance objectives

Clients benefit from a large and attractive range of products for Retail, Wealth Management and Private Banking across all our markets. By combining our in-house capabilities with external top industry expertise, we provide them with greater choice and access to our global solutions and platforms. We have launched and we are progressing with our in-house brand (onemarkets) and are seamlessly integrating Insurance into our offering, with a unique client base for cross-selling.

• PAYMENT SOLUTIONS
  
  

Every European client's first choice for payments

Our unique pan-European footprint, cross-border positioning, payments expertise and advanced data and technology support our Vision of becoming the first choice for payments in Europe. In 2024 we formed a multi-market partnership with Mastercard, while our new Group Payments Solutions factory, expanded our international offering and nearly doubled the number of corporates accessing our digital portal since 2021.