UniCredit SpA is Italy-based holding company engaged in the financial sector. The Company's division model is based on four pillars: Customer Centricity, A Multi-Local Approach, Global Product Lines, and Global Service Lines. The Customer Centricity area focuses on the Retail, Corporate & Investment Banking and Private Banking areas. The Centralized Multi-Local Approach empowers the Group's local banks to oversee the distribution networks and customer relationships. The Global Products Lines are the value-added centers for all regions that leverage the Group's significant in-house expertise, such as Asset Management. And the Global Service Lines which supply the network coverage functions and product factories with specialized services, including Banking Back Office, Information and Communication Technology, Credit Collection, Procurement Services, Real Estate and Shared Service Centers. It operates in 22 European countries through more than 10,000 branches.