UniCredit Bank AG

UniCredit is one of the largest European commercial banks. UniCredit is focused on providing financial products and services in Western and Central and Eastern Europe. UniCredit has 4 main business lines: commercial banking (including retail, direct, private and business banking), corporate and investment banking, asset management and asset gathering.

Products

Financials

Total Assets (2017)
263.22 bln EUR  (+5.15%)
Net Income (2017)
1 300.00 mln EUR  (-56.74%)

In 2017 total assets of UniCredit Bank AG were 263,22 bln EUR. In 2017 the bank's net income was 1 300,00 mln EUR.

UniCredit Bank AG is rated by Fitch, Moody's. Long-term credit rating assigned to the bank by Fitch is A- (high credit quality). Long-term credit rating assigned to the bank by Moody's is A2 (upper medium grade).

UniCredit Bank AG participates in deposit guarantee scheme of Germany. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Member of Group

 UniCredit (Italy)

Contacts

Kardinal-Faulhaber-Straße 1, 80333, München, Germany
89 378 0

UniCredit Bank AG is headquartered in München.

Bank Identifiers

BIC (SWIFT)
HYVEDEMMXXX
MFI ID
DE00008

Business Summary

The range of products offered by UniCredit Bank AG includes credit cards, current accounts, time deposit accounts (0.20 - 0.20 %), consumer loans (1.99 - 4.99 %), mortgage loans (1.09 - 2.33 %), car loans (1.99 - 4.99 %).

Products

Current Accounts

Current accounts are non-interest bearing deposit accounts that are used to perform day-to-day banking transactions. Current accounts are often offered with a payment card (a debit card and/or a credit card) and may also include overdraft possibility. Annual costs of having a current account (also known as account management fees) can depend on monthly income input to the account or amount of money deposited into the account.

Current accounts made with UniCredit Bank AG are covered by deposit guarantee scheme of Germany up to 100 000 EUR per depositor. The following current accounts are offered by UniCredit Bank AG.

Updated on 14 December 2018

FCB AktivKonto
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
34.8
Overdraft Rate (p.a.)
10.63 %
Current Account Details
Product Name
FCB AktivKonto
Account Currency
EUR
Annual Costs
34.8 EUR
Overdraft Rate (p.a.)
10.63 %
Debit Card
Debit Card Costs (p.a.)
5 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
30 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30 EUR
Telephone Banking
Branch Banking
Online Banking
FCB ExklusivKonto
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
178.8
Overdraft Rate (p.a.)
10.63 %
Current Account Details
Product Name
FCB ExklusivKonto
Account Currency
EUR
Annual Costs
178.8 EUR
Overdraft Rate (p.a.)
10.63 %
Debit Card
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
FCB PlusKonto
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
94.8
Overdraft Rate (p.a.)
10.63 %
Current Account Details
Product Name
FCB PlusKonto
Account Currency
EUR
Annual Costs
94.8 EUR
Overdraft Rate (p.a.)
10.63 %
Debit Card
Visa Credit Card
Visa Credit Card Costs (p.a.)
30 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30 EUR
Telephone Banking
Branch Banking
Online Banking
FCB StartKonto
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
0
Overdraft Rate (p.a.)
10.63 %
Current Account Details
Product Name
FCB StartKonto
Account Currency
EUR
Overdraft Rate (p.a.)
10.63 %
Debit Card
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30 EUR
Telephone Banking
Branch Banking
Online Banking
HVB AktivKonto
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
34.8
Overdraft Rate (p.a.)
10.63 %
Current Account Details
Product Name
HVB AktivKonto
Account Currency
EUR
Annual Costs
34.8 EUR
Overdraft Rate (p.a.)
10.63 %
Debit Card
Debit Card Costs (p.a.)
5 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
30 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30 EUR
Telephone Banking
Branch Banking
Online Banking
HVB ExklusivKonto
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
178.8
Overdraft Rate (p.a.)
10.63 %
Current Account Details
Product Name
HVB ExklusivKonto
Account Currency
EUR
Annual Costs
178.8 EUR
Overdraft Rate (p.a.)
10.63 %
Debit Card
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
HVB PlusKonto
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
94.8
Overdraft Rate (p.a.)
10.63 %
Current Account Details
Product Name
HVB PlusKonto
Account Currency
EUR
Annual Costs
94.8 EUR
Overdraft Rate (p.a.)
10.63 %
Debit Card
Visa Credit Card
Visa Credit Card Costs (p.a.)
30 EUR
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
30 EUR
Telephone Banking
Branch Banking
Online Banking
HVB StartKonto
Sales Region
Germany
Account Currency
EUR
Annual Costs (EUR)
0
Overdraft Rate (p.a.)
10.63 %
Current Account Details
Product Name
HVB StartKonto
Account Currency
EUR
Overdraft Rate (p.a.)
10.63 %
Debit Card
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

Time deposit accounts made with UniCredit Bank AG are covered by deposit guarantee scheme of Germany up to 100 000 EUR per depositor. UniCredit Bank AG offers the following time deposit accounts.

Updated on 14 December 2018

HVB Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.20 %
Deposit Term (months)
72
Time Deposit Account Details
Product Name
HVB Festgeld
Account Currency
EUR
Interest Rate (p.a.)
0.20 %
Deposit Term (months)
72
Investment Amount
5000 - 50000 EUR
Interest Frequency
1 times a year

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Credit Cards

Credit cards provide a convenient option to borrow funds for short-term financing, for examples purchasing of goods and services. Credit cards differ by credit card provider (Visa, American Express, MasterCard), credit card type (silver, gold, platinum), charged interest and annual costs. The following credit cards are offered by UniCredit Bank AG.

Updated on 14 December 2018

FCB Mastercard
Sales Region
Germany
Card Currency
EUR
Card Provider
MasterCard
Card Type
Standard
Annual Costs (EUR)
30
Credit Card Details
Product Name
FCB Mastercard
Card Provider
MasterCard
Card Type
Standard
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
1.75 %
Current Account Necessary
Bonus Program

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Consumer Loans

Consumer loans are secured or unsecured (i.e., backed or non-backed by a collateral) loans provided to retail customers for personal, family, or household purposes or for purchase of goods and services. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term). Consumer loans offered by UniCredit Bank AG are shown in the table below.

Updated on 14 December 2018

HVB KomfortKredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
1.99 %
Borrowing Amount (EUR)
2500 - 50000
Loan Term (months)
12 - 84
HVB KomfortKredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
4.99 %
Borrowing Amount (EUR)
2500 - 50000
Loan Term (months)
12 - 84
HVB KomfortKredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
4.99 %
Borrowing Amount (EUR)
2500 - 50000
Loan Term (months)
12 - 84

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Car Loans

Car loans are secured or unsecured (i.e., backed or non-backed by a collateral) installment loans provided to retail customers for the purpose of buying a new or used car. Used cars purchased privately are often financed through unsecured loans, while new cars are financed via secured loans with the car used as the loan collateral. Car loans offered by UniCredit Bank AG are shown in the table below.

Updated on 14 December 2018

HVB KomfortKredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
1.99 %
Borrowing Amount (EUR)
2500 - 50000
Loan Term (months)
12 - 84
HVB KomfortKredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
4.99 %
Borrowing Amount (EUR)
2500 - 50000
Loan Term (months)
12 - 84
HVB KomfortKredit
Sales Region
Germany
Loan Currency
EUR
Effective Rate (p.a.)
4.99 %
Borrowing Amount (EUR)
2500 - 50000
Loan Term (months)
12 - 84

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Mortgage Loans

Mortgage loans are secured loans used for real estate financing purposes (for example, purchase of a new or existing property, construction of an own property, property renovation) without paying the entire value up front. A mortgage loan is secured by the collateral of specified real estate property and is repaid in installments. Mortgage loans offered by UniCredit Bank AG are shown in the table below.

Updated on 14 December 2018

Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.09 %
Borrowing Amount (EUR)
200000 - 249999
Lending Amount (%)
60.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.09 %
Borrowing Amount (EUR)
250000 - 1000000
Lending Amount (%)
60.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.16 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
60.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.16 %
Borrowing Amount (EUR)
150000 - 199999
Lending Amount (%)
60.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.29 %
Borrowing Amount (EUR)
200000 - 249999
Lending Amount (%)
80.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.29 %
Borrowing Amount (EUR)
200000 - 1000000
Lending Amount (%)
80.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.36 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
80.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.36 %
Borrowing Amount (EUR)
150000 - 199999
Lending Amount (%)
80.00 %
Loan Term (years)
10
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.45 %
Borrowing Amount (EUR)
200000 - 249999
Lending Amount (%)
60.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.45 %
Borrowing Amount (EUR)
250000 - 1000000
Lending Amount (%)
60.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.45 %
Borrowing Amount (EUR)
150000 - 199999
Lending Amount (%)
60.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.50 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
60.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.65 %
Borrowing Amount (EUR)
250000 - 1000000
Lending Amount (%)
80.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.65 %
Borrowing Amount (EUR)
200000 - 249999
Lending Amount (%)
80.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.65 %
Borrowing Amount (EUR)
150000 - 199999
Lending Amount (%)
80.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.69 %
Borrowing Amount (EUR)
150000 - 199999
Lending Amount (%)
60.00 %
Loan Term (years)
20
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.69 %
Borrowing Amount (EUR)
200000 - 249999
Lending Amount (%)
60.00 %
Loan Term (years)
20
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.69 %
Borrowing Amount (EUR)
250000 - 1000000
Lending Amount (%)
60.00 %
Loan Term (years)
20
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.70 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
80.00 %
Loan Term (years)
15
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.75 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
60.00 %
Loan Term (years)
20
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.89 %
Borrowing Amount (EUR)
200000 - 249999
Lending Amount (%)
80.00 %
Loan Term (years)
20
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.89 %
Borrowing Amount (EUR)
250000 - 1000000
Lending Amount (%)
80.00 %
Loan Term (years)
20
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.89 %
Borrowing Amount (EUR)
150000 - 199999
Lending Amount (%)
80.00 %
Loan Term (years)
20
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.95 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
80.00 %
Loan Term (years)
20
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
1.99 %
Borrowing Amount (EUR)
250000 - 1000000
Lending Amount (%)
60.00 %
Loan Term (years)
25
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.03 %
Borrowing Amount (EUR)
150000 - 199999
Lending Amount (%)
60.00 %
Loan Term (years)
25
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.03 %
Borrowing Amount (EUR)
200000 - 249999
Lending Amount (%)
60.00 %
Loan Term (years)
25
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.13 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
60.00 %
Loan Term (years)
25
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.19 %
Borrowing Amount (EUR)
250000 - 1000000
Lending Amount (%)
80.00 %
Loan Term (years)
25
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.23 %
Borrowing Amount (EUR)
200000 - 249999
Lending Amount (%)
80.00 %
Loan Term (years)
25
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.23 %
Borrowing Amount (EUR)
150000 - 199999
Lending Amount (%)
80.00 %
Loan Term (years)
25
Baufinanzierung
Sales Region
Germany
Loan Currency
EUR
Borrowing Rate (p.a.)
2.33 %
Borrowing Amount (EUR)
100000 - 149999
Lending Amount (%)
80.00 %
Loan Term (years)
25

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Financial Positions

Total Assets (2017)
263.22 bln EUR  (+5.15%)

In 2017 total assets of UniCredit Bank AG were 263.22 bln EUR. Growth compared to the previous period (2016) was 5.15%. The evolution of the total assets of UniCredit Bank AG is shown at Chart 1 below.

Total Assets of UniCredit Bank AG.

Chart 1. Total Assets of UniCredit Bank AG.

Profit and Loss

Net Income (2017)
1 300.00 mln EUR  (-56.74%)

In 2017 net income of UniCredit Bank AG was 1 300.00 mln EUR. Decline compared to the previous period (2016) was -56.74%. The evolution of the net income of UniCredit Bank AG is shown at Chart 2 below.

Net Income of UniCredit Bank AG.

Chart 2. Net Income of UniCredit Bank AG.

Market Share and Rank (among banks in Germany)

Total Assets (2016)
5th (market share 3.53%)

In 2016 UniCredit Bank AG was ranked the 5th largest bank in Germany in terms of total assets, having 3.53% of the domestic market share.

Market share of UniCredit Bank AG (among banks in Germany)

Chart 3. Market share of UniCredit Bank AG (among banks in Germany)

Several banks having the market shares and ranks closest to UniCredit Bank AG are shown below.

RankNameTotal AssetsMarket Share
4 DZ BANK AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main253315.00 mln EUR3.58%
5 UniCredit Bank AG250328.00 mln EUR3.53%
6 Landesbank Baden-Württemberg243600.00 mln EUR3.44%
 

Credit Ratings (as of May 2018)

Fitch Moody's
A- (high credit quality) A2 (upper medium grade)

Credit Rating is an opinion of a credit rating agency about credit worthiness of a company or a government. UniCredit Bank AG is rated by Fitch and Moody's.

Credit ratings assigned to UniCredit Bank AG as of May 2018 are shown in details in the following sections.

Fitch

Long-term issuer default rating is Fitch's view of a credit institution's relative vulnerability to default on its financial obligations, for UniCredit Bank AG it is set to A- (high credit quality), outlook is negative (may be lowered). The rating is not on watch. Short-term issuer default rating for UniCredit Bank AG is set to F2 (good short-term credit quality).

Long-Term Issuer Default Rating  A-
    Outlook  negative
    On Watch  No
Short-Term Issuer Default Rating  F2
Viability Rating  a-
Support Rating  3
Support Rating Floor  WD

Viability rating for UniCredit Bank AG is set to a- (high fundamental credit quality); support rating is 3 (moderate probability of support); support rating floor is WD (withdrawn).

Moody's

Long-term rating for UniCredit Bank AG it is set to A2 (upper medium grade). Long-term bank deposit rating is A2 (upper medium grade). Baseline credit assessment is baa2. Short-term rating is not assigned.

Long-Term Rating  A2
Long-Term Bank Deposit Rating  A2
Baseline Credit Assessment  baa2
Short-Term Rating  -
Outlook  stable

Outlook for the ratings of UniCredit Bank AG is set to stable (not likely to change).

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Germany are obliged to participate in German deposit guarantee scheme.

In the case of UniCredit Bank AG failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Covered Accounts  all deposit accounts (deposits on current accounts and savings accounts, overnight money or time deposits, registered savings bonds, and similar)
Covered Currencies  EU currencies
Maximum Protected Amount  100 000 EUR
Paid In Currency  EUR

Further Information

BIC

BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).

BIC of UniCredit Bank AG and its components are shown in the table below.

BIC  HYVEDEMMXXX
Bank BIC Code  HYVE
Country Code  DE (Germany)
Location Code  MM
Branch Code  XXX

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of UniCredit Bank AG is shown in the table below.

MFI ID  DE00008

European Presence: 25 banks in 17 countries

UniCredit Bank AG operates under the brand name UniCredit. This banking brand has presence in the following European countries and selected dependent territories of the European countries:

Austria

Bulgaria

Czech Republic

France

Germany

Greece

Hungary

Ireland

Italy

Luxembourg

Romania

Serbia

Slovakia

Slovenia

Spain

Switzerland

United Kingdom

Defunct Banks: 4 banks in 4 countries

The following banks operating under UniCredit brand name has been recently closed down:

Cayman Islands

Estonia

Latvia

Lithuania