Our strategy
UniCredit Unlimited
Our Strategy UniCredit Unlimited
Over the past five years, UniCredit Unlocked released the trapped potential within our organisation, allowing us to move from laggard to leader and set a new benchmark for European banking. With 20 consecutive quarters of quality, profitable growth, unmatched efficiency and sector‑leading distributions, we entered our next chapter: UniCredit Unlimited.
In this new phase, we build on our structural advantages, strengthen our commercial momentum and push our quality growth trajectory further — supported by targeted initiatives across people, products, technology and distribution.
In this new phase, we build on our structural advantages, strengthen our commercial momentum and push our quality growth trajectory further — supported by targeted initiatives across people, products, technology and distribution.
A Clear Roadmap for the Future
UniCredit is now optimally positioned to act as the leading pan‑European bank, with a unique model that combines 13+1 empowered local banks and a unified Group strategy. Our distinctive mix of scale, diversification and execution discipline gives us a strong competitive edge, enabling us to deliver sustainable growth well ahead of peers.
Foundations of our Operations
OUR CULTURE, PRINCIPLES AND VALUES
Our people are united behind one common Purpose - empowering communities to progress - which lies at the heart of everything we do.
We put our Values at the heart of our decision-making. Integrity, Ownership and Caring are more than just words. They are actions. Mandates. Pledges. When we all commit to shared Values, we will deliver for our clients. And delivering for our clients - in any way, large or small - is how we fulfil our Purpose.
We do this together, as one team, acting as true partners to all our stakeholders.
OUR CUSTOMERS AT THE HEART
OF EVERYTHING WE DO
Serving more than 20 million clients across Europe, we provide personalised support through a seamless omnichannel model — from branches and remote advisory to digital platforms.
Our teams deliver exceptional services and tailored support, build strong relationships, and consistently exceed expectations.
FROM LOCAL TO EUROPEAN: A NETWORK
OF BANKS THAT CREATES ADDED VALUE
With a presence across 13+1 markets and Top‑3 positions in 90% of them, we combine stability and growth: Italy as a quality earnings powerhouse, Germany and Austria as resilient anchors, and CEE as a high‑growth engine.
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 SUSTAINABLE BUSINESS
We lead by example, which is why ESG (environmental, social, and governance aspects) lies at the heart of our strategic framework. Our actions are guided by three key principles: we are committed to the highest possible standards to always act rightly in our relationships with our clients and communities; we are fully dedicated to our role in supporting clients in a fair and balanced transition; and in our operations and decision-making, we respect and align the perspectives and priorities of all our stakeholders.
Learn more about our ESG approach.
