Banking sector: approx. 60%
Asset management: approx. 25%
Insurance services: approx. 15%

TOP 3 Markets:
Italy: approx. 40%
Germany: approx. 25%
Austria: approx. 15%

UniCredit S.p.A. generates the majority of its revenue from traditional banking activities, which account for about 60% of total income. This includes lending, deposits, and other traditional banking services. Asset management contributes about 25% to revenues, while insurance services make up around 15%.

Geographically, Italy is UniCredit's largest market, followed by Germany and Austria. These three markets together account for the majority of the company's revenues, with Italy having the largest share at about 40%.

Production: UniCredit S.p.A. does not produce physical products.

UniCredit S.p.A. is a leading European banking group that offers financial services, including banking, asset management, and investment banking. As a financial institution, there is no physical production of products. The bank primarily provides its services in Europe, with a strong focus on Italy, Germany, Austria, and Eastern Europe.

Strategic Priorities:

• Digitalization and Technology Investments
• Customer-Centricity and Service Improvement
• Sustainability and ESG Initiatives

UniCredit S.p.A. pursues a growth strategy that heavily focuses on digitalization and technological innovation. The company continuously invests in digital platforms and technologies to increase efficiency and enhance customer experience. These investments are intended to make the bank more competitive and increase customer loyalty.

Another focus is on customer-centricity. UniCredit plans to further personalize its services and optimize customer interaction. This includes improving both physical and digital channels to ensure a seamless customer experience.

Sustainability is also a central component of the growth strategy. UniCredit is increasingly involved in ESG initiatives (Environmental, Social, and Governance) and aims to offer sustainable financial solutions. This includes reducing its own ecological footprint as well as supporting customers in implementing sustainable projects.

Main imported raw materials: Paper, IT hardware, office equipment
Countries of origin: EU countries, China, USA

UniCredit S.p.A. is primarily a financial institution and does not import raw materials in the traditional sense like a manufacturing company. However, the bank requires materials for its daily operations, such as paper for documentation, IT hardware for its technical infrastructures, and office equipment.

These materials are mainly imported from EU countries to benefit from the trading advantages within the European Union. In addition, UniCredit often sources IT hardware from China and the USA, as these countries are leading in technology production.

Return on Equity (ROE): 9.8% (2024)
Cost-Income-Ratio: 52% (2024)
Market share in Italy: 12% (2024)

UniCredit S.p.A. has a solid competitive advantage, especially due to its strong market presence in Italy and other European markets. The return on equity of 9.8% shows that the company is able to efficiently utilize its resources to generate profits. A cost-income ratio of 52% indicates effective cost control, which is an important efficiency indicator in the banking sector.

The 12% market share in Italy underscores UniCredit's significant position in the domestic market, providing a stable customer base and a good foundation for further growth. Additionally, UniCredit benefits from a diversified product range and a broad network, strengthening customer loyalty and facilitating the expansion into new markets.

Institutional investor share: approx. 60% (estimated for 2025)

Insider purchases/sales: No specific data available for 2025

The institutional investor share in UniCredit S.p.A. typically stands at around 60%, based on historical data and typical market trends. These investors include large financial institutions, pension funds, and investment funds that can have a significant influence on corporate policies.

Current data on insider purchases or sales are not specifically available for 2025. Such transactions are often disclosed in the company's quarterly or annual reports. It is advisable to consult UniCredit's latest reports and publications to obtain detailed information.

Market share UniCredit S.p.A.: 8% (estimated, 2025)
Largest competitors and their market shares (estimated, 2025):

1. Intesa Sanpaolo: 12%
2. BNP Paribas: 10%
3. Crédit Agricole: 9%
4. Deutsche Bank: 7%
5. Société Générale: 6%

UniCredit S.p.A. is one of the leading financial institutions in Europe, especially in Italy. UniCredit's market share is around 8%, making it one of the larger players in the European banking sector. Intesa Sanpaolo leads the list with a market share of 12%, followed by BNP Paribas and Crédit Agricole.

UniCredit's moat mainly lies in its strong presence in Italy and Eastern Europe, its wide range of products, and its ability to cater to local market needs. However, compared to its competitors, UniCredit does not have a significant technological or cost advantage that could be considered a strong moat.

Many of the competing banks, such as BNP Paribas and Crédit Agricole, may have a stronger moat due to their international presence and diversified business models. These banks benefit from greater geographical diversification and a stronger capital base, which can give them a competitive advantage.

In summary, while UniCredit is a significant player, it is surpassed in terms of the moat by some of its competitors who have stronger international networks and diversified business models.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 7.8% (2024)

UniCredit S.p.A. recorded a solid revenue growth of 8.5% in 2024, attributed to successful business expansion and improved operational efficiency. The profit growth of 10.2% indicates that the company is capable of efficiently managing its cost structure and benefiting from its revenues.

The return on equity of 7.8% in 2024 suggests that UniCredit effectively leverages its equity base to generate profits. This is a positive signal for investors seeking stable and profitable investments.

Additionally, UniCredit has taken strategic initiatives in recent years to strengthen its market position, including digitizing its services and expanding into high-growth markets. These measures could further support future growth potential.

Overall, the financial performance and strategic direction indicate that UniCredit S.p.A. could be an attractive investment opportunity, especially for investors interested in long-term growth.

Dividend Yield: 6.5% (2025, estimated)
Dividend History: Continuous distribution in recent years

UniCredit S.p.A. has pursued a stable dividend policy in recent years, with the dividend yield expected to be around 6.5% in 2025. This distribution is a sign of the company's financial health and profitability.

The reliability of dividend payment is supported by the solid capital base and the strategic focus on profitable growth. UniCredit has proven in the past that it is able to pay dividends to its shareholders even in economically challenging times. Analysts expect the company to continue this practice unless unexpected economic turbulence occurs.