COMPANY PROFILE -UniCredit S.p.A.
Business Sector :Financial Services and Banking
Operating Geography :Italy, Europe, Global
About UniCredit S.p.A. :
UniCredit S.p.A. is an international banking conglomerate headquartered in Milan, Italy. The company was formed in 1998 when Credito Italiano and Unicredito merged, but it has a corporate identity that traces its roots to 1870 when it was founded as Banca di Genova. UniCredit is a constituent stock of the Euro Stoxx 50 index of prominent shares and is traded on the Milan and Frankfurt stock markets. The firm is a pan-European bank with a substantial presence in Western, Central, and Eastern Europe, with corporate and investment banking, commercial banking, and wealth management businesses. It provides access to market-leading goods and services in 13 main markets (Italy, Germany as HypoVereinsbank, Austria as Bank Austria, and eleven Central and Eastern European nations) through its European banking network. UniCredit's integrated business model, known as "One Bank," is focused on central support and local excellence. It provides a comprehensive commercial offering to its clients, leveraging significant synergies across its divisions, which include Corporate & Investment Banking, Commercial Banking, and Wealth Management. In April 2022, UniCredit announced that it had renewed its Open Banking Third Party Provider (TPP) service agreement with Worldline, a leader in the world of payment services. Because of their partnership with Worldline, UniCredit customers can link their accounts with other banks in Europe using a single application programming interface (API).
UniCredit S.p.A.'s Unique Selling Point or USP lies in it being having a dominant presence in the European financial service business with more than 40 million customers and operations in 22 countries. UniCredit’s mission statement reads, "We UniCredit people are committed to generating value for our customers. As a leading European bank, we are dedicated to the development of the communities in which we live, and to being a great place to work. We aim for excellence and we consistently strive to be easy to deal with".
UniCredit S.p.A. Revenue :
€ 17,954 million - FY ending 31st December 2021
€ 17,140 million - FY ending 31st December 2020
Competitive Analysis of UniCredit S.p.A.
The SWOT analysis for UniCredit is presented below in a matrix followed by the detailed analysis report:
| Strengths | Weaknesses |
1. Close linkages with SMEs makes the bank more effective in garnering profits
2. Among the largest banks in Europe by assets owned
3. Strategic Team 23 plan aimed to achieving success may help in sustainable growth of the company
4. Digitization initiatives has made the bank more efficient
| 1. Adverse impact of COVID on the business
2. Declining financials and revenues in 2020
|
| Opportunities | Threats |
1. Expanding business to developing nations with growing economy
2. Declining non-performing loans since 2014 ensures good financial health for the banks
3. Digitization may drive growth in commercial banking
| 1. Potential GDP decline of Eurozone and Italy due to after effects of COVID may affect the bank’s growth
2. Vulnerability of losing user data through cyberattacks may damage reputation
3. Fintech firms pose a threat to the regular banking systems
|
UniCredit S.p.A. SWOT and PESTLE Analysis PDF Report is a custom report and will be delivered to your email inbox within 2 business days from purchase.
Detailed SWOT Analysis of UniCredit S.p.A.
Strength
1. Close linkages with SMEs makes the bank more effective in garnering profits: In 2020 UniCredit proved once again to be the go-to bank for small and medium-sized companies due to its enhanced service model. The company catered to 20,000 businesses in 2020.The launch of its easy e-commerce platform in October, 2020 helped development of online sales and expanding channels to the national and European territory. Its relationships with SMEs were improved thanks to remote relationship management and the acceleration of the online lending process. Working closely with institutions and the Italian Banking Association (ABI), UniCredit provided Italian SMEs with an emergency package that added additional support to the measures of the Cura Italia Government decree. The company financed €2.5 bn financed for SMEs and mid-cap businesses. It supported customers in avoiding any emergency situations by ensuring they maintained liquidity. By doing all such initiatives it was able to get good relationships with the SMEs which became instrumental for garnering profits for the company. It developed a close relationship with its clients and became the SME's go-to bank in times of need. By doing this, Unicredit enhanced its brand reputation and was able to generate the profits and revenues necessary for it to maintain sound financial condition while making a significant contribution to the economy.
The remaining section under "Strength" is available only in the 'Complete Report' on purchase.
Weakness
This section is available only in the 'Complete Report' on purchase.
Opportunity
This section is available only in the 'Complete Report' on purchase.
Threat
This section is available only in the 'Complete Report' on purchase.
The PESTLE analysis for UniCredit is presented below in a table followed by the detailed analysis report:
| Political | Economical |
| 1. Impact of Brexit on Italian banking sector | 1. Adverse impact of COVID 19 on Italian economy
2. Increasing per capita income and disposable income may increase demand for financial services
|
| Social | Technological |
1. Rising use of digital wallets for payments globally
2. Shifting of traditional banking users to digital banking
| 1. Rising use of cryptocurrency among Italian citizens
2. Potential of fintech companies prospering in Italian markets
|
| Legal | Environmental |
1. Banking regulations of Italy and EU need to be adhered
2. Data privacy and protection laws of Italy need to be followed by the banks
| 1. Changing focus towards ESG investing in Italian public |
UniCredit S.p.A. SWOT and PESTLE Analysis PDF Report is a custom report and will be delivered to your email inbox within 2 business days from purchase.
Detailed Pestle Analysis of UniCredit S.p.A.
Political
This section is available only in the 'Complete Report' on purchase.
Economic
This section is available only in the 'Complete Report' on purchase.
Social
1. Rising use of digital wallets for payments globally: Although the technology of digital wallets existed in in the early 2000s, it’s only within the last decade that they have rapidly evolved, revolutionizing the way we search and pay for goods and services. They can also be used to store identification documents or digital rewards, tickets, boarding passes and room keys, completely eliminating the need to carry around wallets. Biometric recognition and data encryption enable digital wallets to be not only convenient but also give users a greater sense of control and security. In 2020, there were over 779 billion digital transactions worldwide and this number is expected to grow at a 13 percent rate in the future. Ongoing digiltalization of services, increased demand for smartphones and rise of 5G technology have been the main drivers for the rise of this technology. About a quarter of the Europe’s digital payments originated from UK. It is estimated that by 2023, there will be nearly 12 million people in the UK whose primary payment method is through their phones. Globally mobile payments is driven by the younger generations. There are an army of mobile wallets led by Google Pay, Apple Pay and Alipay with almost a billion daily active users which is also likely to grow significantly in the coming years.
The remaining section under "Social" is available only in the 'Complete Report' on purchase.
Technological
This section is available only in the 'Complete Report' on purchase.
Legal
This section is available only in the 'Complete Report' on purchase.
Environmental
This section is available only in the 'Complete Report' on purchase.
Major Competitors :
- Intesa Sanpaolo
- Fineco Bank
- Mediobanca
- Banca Mediolanum
- Banca Generali
UniCredit S.p.A. SWOT and PESTLE Analysis PDF Report is a custom report and will be delivered to your email inbox within 2 business days from purchase.
TABLE OF CONTENTS
DELIVERY AND FORMAT
WHY CHOOSE US?
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| UniCredit S.p.A. Covid-19 Impact Analysis |
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| UniCredit S.p.A. BCG Analysis |
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| UniCredit S.p.A. Segmentation, Targeting and Positioning (STP) Analysis |
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| UniCredit S.p.A. Ansoff Matrix Analysis |
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Check Out Analysis of Other Relevant Companies
References used in UniCredit S.p.A. SWOT & PESTLE Analysis Report
1. Annual Report - https://www.unicreditgroup.eu/content/dam/unicreditgroup-eu/documents/en/sustainability/sustainability-reports/2020/UC_INTEGRATO_2020_ENG.pdf
2. Asia’s opportunity for growth in banking - https://www.mckinsey.com/featured-insights/asia-pacific/asias-opportunity-for-growth-in-banking
3. How COVID-19 has sped up digitization for the banking sector - https://www.ey.com/en_gl/financial-services-emeia/how-covid-19-has-sped-up-digitization-for-the-banking-sector
4. Brexit – A new statement from the Bank of Italy warns UK firms of possible licensing breaches - https://www.linklaters.com/en/knowledge/publications/alerts-newsletters-and-guides/2020/december/18/brexit--a-new-statement-from-the-bank-of-italy-warns-uk-firms-of-possible-licensing-breaches
The detailed complete set of references are available on request in the 'Complete report' on purchase.
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UniCredit S.p.A. SWOT and PESTLE analysis has been conducted by Amit Kabi and reviewed by senior analysts from Barakaat Consulting.
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