Question 1

What is UniCredit?

Accepted Answer

UniCredit is a universal bank and one of the top financial institutions in Romania, serving approximately 600,000 active customers. Operating as part of the international UniCredit Group, the bank provides comprehensive banking solutions for individuals, SMEs, companies, and freelancers across Romania. With 141 branches and approximately 4,851 employees, UniCredit combines local market expertise with the resources of a pan-European banking network spanning 17 European countries.

Question 2

When was UniCredit founded?

Accepted Answer

The bank's Romanian origins trace back to 1991 when Ion Țiriac Bank was established. In June 2005, Ion Țiriac Bank merged with HVB Bank Romania, creating a larger institution that ranked among the top banks in the Romanian market. The entity underwent further consolidation in 2008 by absorbing Banca di Roma's Romanian operations.

In August 2013, the bank completed the acquisition of RBS Romania's retail and preferred banking business. The institution officially adopted the UniCredit Bank name in August 2015, following UniCredit Bank Austria AG's acquisition of the 45% stake owned by Țiriac Holdings Ltd. In November 2024, UniCredit acquired Alpha Bank România for €254 million, with full integration planned for completion by the end of 2025.

Question 3

Where is UniCredit headquartered?

Accepted Answer

UniCredit is headquartered in Bucharest, Romania, at Bulevardul Expoziției 1F, Sector 1.

Question 4

Where does UniCredit operate?

Accepted Answer

UniCredit operates throughout Romania with a nationwide network of 141 branches as of mid-2025. The bank has a particularly strong presence across major cities and regions, serving customers from diverse geographic areas within Romania. The branch network has been strategically positioned to provide accessible banking services to both urban and regional customers throughout the country.

Question 5

What services does UniCredit offer?

Accepted Answer

UniCredit provides a comprehensive range of banking services including deposit accounts, consumer credit, mortgage lending, credit cards, overdraft facilities, and electronic banking services. The bank specializes in real estate financing and is recognized as the only Romanian bank with a dedicated real estate department.

Corporate customers benefit from business loans, foreign trade financing, cash management, and treasury operations. The bank offers wealth management services, investment advisory, and securities brokerage for affluent clients. Digital services include a robust Online Banking platform, Mobile Banking applications compatible with major smartphone platforms, and a virtual branch on Facebook for customer support. UniCredit also provides custody services for the Romanian capital market since 1998, holding approximately 15% market share in securities custody.

Question 6

What makes UniCredit unique?

Accepted Answer

UniCredit distinguishes itself as the only Romanian bank with a specialized real estate department, providing dedicated expertise in property financing and real estate market solutions. The bank pioneered digital banking innovations in Romania, launching one of the first Mobile Banking applications and the country's first Facebook virtual branch in 2012.

The bank's cross-border solutions enable customers to manage banking relationships across multiple countries within the UniCredit Group network, ensuring consistent service quality across borders. UniCredit has consistently received industry recognition, including the Euromoney Award for "Best Bank for Cash Management in Romania" in 2012 and 2013. The bank recorded the highest value of online banking transactions in Romania in 2009 and maintains a strong position in securities custody services with 15% market share in assets under custody.

Question 7

What type of financial institution is UniCredit?

Accepted Answer

UniCredit is a universal credit institution (CRDCREINS) licensed by the National Bank of Romania and registered in the Banking Register under number RB-PJR-40-011. As a universal bank, it performs the full spectrum of banking operations including monetary intermediation, lending, deposit-taking, payment services, and capital market activities. The institution is a member of the Romanian Deposit Guarantee Fund (RO_BDGF), providing deposit protection for customers.

As part of the UniCredit Group, the bank operates with the financial strength and international reach of one of Europe's leading banking groups while maintaining its focus on the Romanian market.

UniCredit

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About UniCredit in Romania