Our business model is based on a customer centric approach implemented by a network that operates in multiple markets through our deeply rooted local banks. We are focused on strong specialization and a clear segmentation to fully exploit key competence to better serve our customers.

Both households and small businesses comprise our Retail customers throughout the 22 countries in which we operate, constantly striving to serve our customers with innovative solutions, by offering them a complete range of high-quality, reliable products and services at competitive prices and by listening them with a constant customer satisfaction monitoring.

Operating in 19 countries in Central and Eastern Europe, UniCredit benefits from geographical diversity. Our local banks are strengthened by our substantial competitive advantages, which include strong brand and reputation, our network's access to international markets and significant economies of scale. Our extensive CEE presence is the result of our strong commitment to the region.