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A model based upon four pillars:
Customer Centricity
is the focus of our Retail, Corporate & Investment Banking and Private Banking areas, which are charged with
delivering specialized customer coverage to maximize long-term value and customer satisfaction.
A Multi-Local Approach
that empowers the Group’s local banks to oversee our distribution networks and customer relationships.
Global Product Lines
are the value-added centers for all regions that leverage the Group’s significant in-house expertise, such as Asset
Management.
Global Service Lines
that supply our network coverage functions and product factories with specialized services, including Banking Back
Office, ICT, Credit Collection, Procurement Services, Real Estate and Shared Service Centers.
DIVISIONAL MODEL
Strategic Business Areas
that fully leverage the Group’s expertise.
CEE Divisionalization Program
that aims to achieve a “unified vision” of overall CEE business.
Business Lines
that focus on generating distinct products and services for our diversified client base.
Competence Lines
that monitor, guide and support – for their area of competence – Groupwide business activities and related risks.
14 2009 Consolidated Reports and Accounts · UniCredit Group