UniCredit SpA is Italy-based holding company engaged in the financial sector. The Company’s division model is based on four business areas: Network Management Divisions; Centralized Product, Key Business Functions; Global Service Factories, and Multi-Local Approach. The Network Management Divisions consist of the retail markets, corporate and private banking. Its Centralized Product, Key Business Functions include markets and investment banking, asset management, leasing, household financing, global transaction banking, and retail marketing and segments. The Global Service Factories provide, among others back office, credit collection, procurement services and real estate for supplying network management divisions and product factories with specialized services. The Multi-Local Approach focuses on the relations between local banks and clients. It operates in 22 European countries through the local banks, and it also has offices and representatives in Asia and the United States.