Our strategy
UniCredit Unlocked
Unlocking Acceleration in 2025 and beyondna
The first phase of UniCredit Unlocked focused on unlocking trapped potential - we have surpassed our own ambitions set at the end of 2021, resetting the bar higher each year. We have moved from laggard to leader in our sector and are now poised to enter the next chapter of growth. As we look ahead, we are evolving our Strategy to unlock Acceleration of our performance while completing our transformation. We will build on our structural advantages and accelerate our quality growth trajectory through clear alpha initiatives.
A new roadmap to navigate as the leading pan-European bank
We are optimally positioned to execute on this acceleration phase and solidify our position as a leading pan-European bank and a benchmark for the sector. We have a strong competitive edge thanks to our unique structural advantages and will build on these through alpha initiatives and investments in our business.
Foundations of our Operations
OUR CULTURE, PRINCIPLES AND VALUES
Our Group has created a new benchmark for banking, keeping our clients at the centre and unlocking the potential of our people.
Our Culture is key to our success in unifying and inspiring our people, driving them to work as a team and achieve excellence in the right way. Our Culture network is fuelled by passion and enthusiasm, spreading positive cultural change throughout UniCredit. Collectively, we are building the Bank for Europe's future, as one team of people acting as true partners to our clients. A better bank, creating better outcomes: strongly grounded in the right Principles and Values; and delivering sustainable, quality growth and value.
OUR CLIENTS
Our 15 million clients are at the heart of everything we do. We build everything around their needs, providing choice and discretion through best-in-class products and innovative solutions.
Our teams deliver exceptional service and personalised support, building strong relationships and consistently exceeding expectations. Through our service model, we leverage a range of distribution channels - physical and remote branches, call-centres, internet and mobile - accessible to our clients any time, anywhere.
OUR GEOGRAPHIES:
• UniCredit's profitable, diversified franchise is composed of 14 individual banks, across 4 regions, each with their own unique strengths and heritage.
• We continue to invest in all our regions enabling each of our banks to deliver quality profitable growth, consistently exceeding their standalone cost of equity.
• We are the only bank with structural capacity to bring Europe together as a federation of leading European banks.
OUR BUSINESS - Enhancing our product offering:
While clients access our services through local banks, our comprehensive offering to meet their needs is created by our three global product factories - Corporate, Individual and Payment Solutions. Each of these factories delivers best-in-class solutions, developed internally or through our dynamic ecosystem of trusted partners.
Our commitment to a sustainable future
COMMITMENT TO SUSTAINABILITY:
At UniCredit, we are committed to embedding Sustainability in everything we do. We lead by example, which is why ESG (Environmental, Social and Governance) is at the heart of our strategic framework and we have established clear principles to operate by.
Learn more about our ESG approach.
