UniCredit Bank is part of UniCredit Group.
UniCredit Bank is one of the main financial institutions, providing services and quality products for all client categories in Romania. At 30st of June, the bank had a nationwide network of 141 branches and 4,851 employees. UniCredit Bank aims to be customer centered, an easy to deal with partner and also very active in the communities in which operates.
UniCredit Bank caters to a variety of client needs through a network of specialized partners: UniCredit Leasing Corporation, UniCredit Consumer Financing, UniCredit Business Integrated Solutions, UniCredit Insurance Broker.
UniCredit Bank in numbers (as of June 30st 2025):
Consolidated profit: 167 millions euro
Loans: 12,5 billions euro
Deposits: 14,4 billions euro
Shareholding structure at 15.08.2025
Majority shareholder
UniCredit S.p.A. -89,09% of share capital.
Minority shareholders
Alpha International Holdings Single Member SA – 9,9 %
Romanian private individuals - 0,96% of share capital
Romanian companies - 0,04% of share capital
Bank identification data
UniCredit Bank SA, a dual-funded company, headquartered in Romania, Bucharest, Sector 1, Expozitiei No. 1F, Postal Code 012101, registered in the Trade Register under no. J1991007706408, in the Banking Register under no. RB-PJR-40-011 / 18.02.1999 and registered with ANSPDCP with notice no.10964, single registration code 361536, fiscal attribute RO, subscribed share capital and paid 589.955.162,70 RON.
BIC Code: BACXROBUXXX
The Bank's main field of activity is “Monetary intermediation” (CAEN Code 641). The Bank’s main activity is “Other monetary intermediation activities” (CAEN Code 6419).
Therefore, the Bank will carry out banking operations such as:
- receipt of deposits and other reimbursable funds (6419);
- contracting loans, including: consumer loans, mortgage loans, financing commercial transactions, factoring, discounting and forfeiting operations (6419);
- money transfer services (6419);
- issuance and management of payment instruments, such as: credit cards, travel checks, and other similar instruments, including issuance of e-money (6612);
- issuance of guarantees and assuming commitments (6419);
- transactions on its own behalf or on behalf of customers, according to the law, with (6419):
- money market instruments, such as: checks, bills of exchange, promissory notes, certificates of deposits;
- foreign currency;
- futures;
- exchange rate and interest rate linked instruments;
- securities and other financial instruments;
- intermediation in securities and other financial instruments offer, either by their underwriting and placement, or by placement and performing of related services in compliance with the law (6612);
- advising on capital structure, business strategy and other related issues, advising and providing services related to mergers and acquisitions of commercial companies (6619);
- intermediation on the interbank market (6419);
- management of the customers’ portfolio and related consultancy services (6612);
- custody and management of the securities and other financial instruments (6419);
- services regarding data supply and references related to credit activity (6419);
- renting of safe boxes (6419);
- depositing assets of investment funds and investment companies (6419);
- distribution of investment funds’ units and investment companies’ shares; (6419);
- acting as operator of the electronic archive of movable securities (6419);
- transactions with precious metals, gems and objects thereof (6419);
- data processing services, database management, and other similar services provided to third parties (6310);
- shareholding in other companies’ share capital (6419);
- lease of real estate and movable assets, in compliance with the law (6820);
- mandate operations, consisting of:
- performance of insurance activities as insurance agent (6622);
- opening of collection accounts in the name and on behalf of the customers with the banks with whom the Bank has concluded collection agreements (6419);
- transfer of amounts, in the name of the customers, from the customer’s account with the State Treasury to the customer’s account opened with the Bank, under the agreement concluded between the Bank and the Ministry of Public Finance (6419);
- executing debit instructions in the name and on behalf of the customers – Direct debit (6419);
- accepting and executing by the Bank of transfer requests received by SWIFT (MT101 and MT104) from the customers’ accounts, based on the mandate given by such customers to the Bank (6419);
- financial leasing (6491);
- administration of patrimony (movable and immovable assets owned by the Bank, but not affected for the Bank’s financial activities) (6820);
- mandate operations (non-financial) for and on behalf of UniCredit Banking Group entities (6419);
- colection and preparing of applicants credit documentation and data entry in the financier’ application (6619)
- intermediation of the electronic invoicing and electronic archiving services provided by Transfond (6619).
- promoting and selling digital signatures certificates (6419).
The Bank may also perform certain activities related to its main object of activity such as: possession and management of real estate and movable assets necessary for the Bank’s activity or for its employees’ use, including operations with real estate and movable assets designed to enhance their employees’ proficiency, to organise recreational and leisure facilities, and to ensure dwellings for the employees and their families.
The Bank may carry out any other activities or services, to the extent they relate to the financial field, by observing the special legal provisions which regulate the respective activities, if applicable, including, but not limited to:
(i) acting as an agent of American Express Service Europe for issuing charge cards in favor of the Bank’s clients (6419);
(ii) services regarding accounts transactions on behalf of clients - holding type companies and/or groups (based on mandate), for the administration of capital flows and cash management of companies from the group/holding (treasury operations) (6419).
The Bank can also carry out other activities for its customers, which, although not associated to the developed activities, represents an extension of the banking operations.
The Bank may perform the following activities:
(i) depositing of assets of private administrated pension funds (6629); depositing of financial assets of facultative pension funds (6629);
(ii) marketing of private administrated pension funds (6629); marketing of facultative pension prospectus (6629).
The Code of Conduct adopted by our Group is intended to ensure we all behave appropriately with respect to colleagues, clients and third parties in our daily activities. The principles of the Code underscore the legal and ethical standards to which we must adhere in order to run our business successfully while at the same time protecting our clients’ interests, mitigating risk, complying with financial regulations, assuring market transparency and safeguarding confidential data. The same approach is expected also from our partners.
Read about UniCredit Bank's Code of Conduct.
Read about UniCredit Bank's Anticorruption Policy.
UniCredit Bank promotes a corporate culture based on ethical conduct and a solid corporate governance, acknowledging the importance of issuing and implementing a Policy regarding Unacceptable Conduct Report- Whistleblowing, available as well for employees and third parties.
The purpose of this Policy is:
- to foster a proper environment where employees and third parties (partners, suppliers, contractors, tied agents, etc) may feel free to make reports on unacceptable conduct of the employees, since they are considered as significantly contributing to self-correction and excellence.
- to define the appropriate channels of communication that allow reports to be received, analyzed and processed within the organization.
- to guarantee the whistleblower’s protection against any form of retaliation, discrimination or sanction following a whistleblowing report made in good faith.
Unacceptable Conduct refers to any action or inaction occurred during the activity or impacting the activity carried out within the Bank, that is or could be harmful to or jeopardize the mission or reputation of the Bank, UniCredit Group or its employees, that may be:
- illegal, unfair or unethical;
- in breach of any applicable legal or regulatory obligations that apply to the employee whilst working;
- a failure to comply with Bank and Group’s Rules and regulation.
Reports may be sent by employees as detailed within the attached Policy.
The Third Parties may send the report using one of the following communication channels:
- By email (ROUCTCOMPLIANCECODEOFCONDUCT@unicredit.ro)
- in paper form in att. of Compliance Department and/or Internal Audit Department to the following address: UniCredit Bank, 1F Expozitiei Blvd, RO-012101, Bucharest 1, Romania;
- or by sending us a message.
