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UniCredit is the gateway to Europe for our clients. We have 15 million clients spread across the communities of Europe – 14 million retail clients where we are particularly strong in the value accretive affluent sector, and 1m corporate clients with a particular strength in SMEs.


UniCredit Unlocked puts these individuals back at the centre, connecting them to their bank in a unified way across Europe. We have introduced a new client segmentation so they are grouped in the same way across our geographies.

We have a harmonised service model, simplifying our processes and establishing a common organisational structure across our business to connect to them to our 13 banks and 4 regions in a unified way across Europe.

With a unified client view and service model across all our banks, we will be able to respond to the needs of our 15 million clients in a cohesive manner.


Every client – whether in Germany or Croatia – will be offered the best products and the same, varied choice.