UniCredit Investor Relations Material

UniCredit S.p.A., one of Europe's leading financial services companies, has a strong and distinguished presence across the continent. The Milan-based company, founded in 1998, delivers a range of services, from investment banking to commercial banking, from asset management to retail banking. UniCredit's network extends across 50 markets, with a significant presence in Italy, Germany, Austria, and Central and Eastern Europe. Despite the fierce competition, the bank has been able to establish itself as a pillar of the European banking sector.

UniCredit's roots can be traced back to several Italian banking institutions. The company emerged in its present form in 1998 when several Italian banks merged, with the aim of creating an institution that could compete on the broader European stage. Over the years, UniCredit pursued a strategy of organic growth and expansion through key acquisitions. One such acquisition was the German bank HypoVereinsbank in 2005, which extended its reach into Central and Eastern Europe. Today they compete primarily with Intesa Sanpaolo domestically, as well as larger multinational institutions such as Deutsche Bank and Barclays.

UniCredit S.p.A. provides a comprehensive suite of services tailored to private individuals, addressing their various financial needs. The bank offers a full range of personal banking products, from savings and checking accounts to credit cards and personal loans. For those looking for advice and direction when it comes to investing, UniCredit provides investment services and wealth management solutions.

The bank also offers mortgage loans for individuals seeking to purchase or refinance a home, with competitive rates and flexible terms. In the era of digital banking, UniCredit has significantly invested in its online and mobile banking platforms, enabling customers to access and manage their accounts seamlessly.

UniCredit provides a broad array of financial services specifically tailored to meet the complex needs of institutional clients. For corporations, UniCredit offers a range of banking services including commercial loans, treasury services, and trade finance solutions, enabling businesses to manage their operations efficiently. On the investment front, UniCredit assists institutions in managing their financial assets, providing asset management, securities services, and structured finance solutions. The bank also has a dedicated Global Markets division, providing institutions with access to financial markets worldwide, along with risk management and hedging solutions. Furthermore, UniCredit serves public sector entities with tailored financing and advisory services.