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Our geographic footprint is balanced across four powerful regions: Italy, Germany, Austria, and Central & Eastern Europe. This footprint allows us to deliver quality profitable growth and distribution, regardless of local volatility.
Each of our regions is critical to our success. UniCredit Unlocked encourages our banks to celebrate their own identities, while at the same time providing them with the strength and scale of the collective. Working together as One Group, we can provide better solutions for clients than standalone banks could on their own, particularly in data & technology, procurement and with our product factories.
European Scale and Scope, Local Roots and Proximity, set to serve our client franchise.
ITALY - Quality Earnings Powerhouse: our core market and the heart of the Group, Italy consistently delivers quality profitable growth, with outstanding capital-light revenue generation and leading efficiency. We have 7 million clients in the region and high market share in premium segments: c.35% Unit-Linked, c.15.5% Non-Life and 13% Consumer Finance.
GERMANY - Resilient Anchor: as our second-largest market, Germany serves as our first anchor of solidity, underpinned by its top-tier AAA credit rating. Following a successful — and ongoing — transformation, we are now the leading profitable bank in the country and aim to become the bank of choice for the Mittelstand.
AUSTRIA - Resilient Anchor: Austria stands as our second anchor of solidity, supported by its strong AA+ credit rating and high GDP per capita. We are the leading profitable bank in the region, underpinned by a solid fee-to-revenue ratio.
CEE - Growth Engine: Our banks across Central and Eastern Europe (CEE) continue to serve as a powerful engine of growth and expansion, growing at a higher pace than the EU average. We have reinforced our regional footprint with the recent addition of Alpha Bank Romania to our franchise, and our strategic partnership in Greece is progressing at full speed, with an ambitious goal of distributing €1 billion in onemarkets funds within its first year.