name and background<
span style="font-family: sans-serif; color: black">Full name: UniCredit S.P.A
founded in 1998 through the merger of Credito Italiano and Unicredito, but with a history dating back to the founding of Banca di Genova in 1870, reflects its long financial tradition.
headquarters location: Milan, Italy
Shareholder Background: Listed company, Shareholders include institutional investors and public investors, reflecting its market-oriented operation.
service scope
coverage: UniCredit operates in 13 core markets in Europe, including Italy, Germany (under the name of HypoVereinsbank), Austria (under the name of Bank Austria), Russia and Central and Eastern European countries (such as Poland, Hungary, etc.).
Number of offline branches: As of 2023, UniCredit has 3,082 branches (Source: UniCredit Group: number of branches 2023).
ATM distribution: UniCredit has an extensive network of ATMs in the countries and regions in which it operates.
regulatory and compliance<
span style="color: #000">UniCredit is regulated by the Bank of Italy, the European Central Bank (ECB) and the financial regulators of the countries and regions in which it operates, ensuring that its operations comply with EU and local laws and regulations, and participate in the EU deposit insurance scheme to protect customer deposits. No major compliance issues have been identified recently, and operational compliance is good.
financial health
Capital adequacy ratio (CET1): 16.1% (Q1 2025, data source: UniCredit Group Results).
Non-performing loan ratio: Specific data not found, but the asset quality is good, and the bad debt ratio is low (from the annual report mentions strong asset quality and low cost risk).
Liquidity Coverage Ratio: Specific data not found, but as a large bank, it is expected to meet regulatory standards (typically 100% or more).
capital adequacy ratio is well above regulatory requirements (typically 8%), indicating that UniCredit has a strong capital base and is able to respond to potential risks. The asset quality is stable and the liquidity is sufficient.
products and services
UniCredit offers a comprehensive range of banking products and services covering a wide range of areas:
> retail banking: including savings accounts, personal loans, mortgages , transfers and other basic services.
Corporate Banking: provides corporate finance, trade finance, group trade services, correspondent banking services, etc., to meet the needs of SMEs and large enterprises.
investment banking: including corporate finance advisory, rating advisory, sustainable finance solutions, securities services, etc.
wealth management: provides investment consulting, insurance products, fund management, portfolio management and other services.
payment solutions: Efficient payment services for individuals, businesses and groups, including cross-border payments and digital payments.
digital service experience
mobile app "UniCredit Mobile Banking" has a Google Play rating of 4.6 and supports account management, money transfers, and investment tools.
customer service<
span style="font-family: sans-serif; color: black" > offers support by phone: +39 02 88 621 (Italy) and via live chat.
security measures
with data encryption, multi-factor authentication, and AI fraud detection, Keep customer information and assets safe.
features and differentiation
UniCredit is known for its pan-European coverage, providing cross-border services, Focus on digital innovation and sustainability, suitable for global and environmentally conscious customers.
In conclusion, UniCredit S.P.A. is a trusted financial partner for its customers with high-quality banking services thanks to its pan-European reach, strong digital capabilities and commitment to sustainability.
