Company profile

HypoVereinsbank is part of UniCredit, a pan-European Commercial Bank with a unique service offering in Italy, Germany, Central and Eastern Europe. Our purpose is to empower communities to progress, delivering the best-in-class for all stakeholders, unlocking the potential of our clients and our people across Europe.

 We serve over 15 million customers worldwide. They are at the heart of what we do in all our markets. UniCredit is organized in four core regions and two product factories, Corporate and Individual Solutions. This allows us to be close to our clients and use the scale of the entire Group for developing and offering the best products across all our markets.

Digitalisation and our commitment to ESG principles are key enablers for our service. They help us deliver excellence to our stakeholders and creating a sustainable future for our clients, our communities and our people.

HypoVereinsbank is committed to doing business with integrity and reliability, handling resources and the environment responsibly and making a valuable contribution to the common good.

Pan-European Commercial Bank

Pan-European Commercial Bank:

As "One Bank, One UniCredit", our group acts as "One Team" across all of our countries and business divisions, providing central support with local excellence in order to turn the challenges of the current scenario into opportunities.
UniCredit Group

Our strengths are:

Good reasons for a stable financial partner

Excellence in client advice and outstanding products and services


The needs and expectations of our clients are as diverse as the clients themselves. Satisfying them involves much more than offering the right mix of products and services.

Through the effective networking of the business segments we ensure that clients receive comprehensive solutions covering all of their private and business needs. For companies, HypoVereinsbank offers all of the services corporate clients expect, including corporate succession consulting, transaction services such as payment processing, tailor-made structured financing, and capital market and investment products.

HypoVereinsbank combines its strong presence in Germany with the international network of UniCredit. This unrivalled access to numerous global markets is useful especially to German small and medium-sized enterprises doing business internationally, large corporations and institutional clients.

Our private clients benefit from personal advice in our fully modernised branches across Germany or in our online branch. A diverse range of user-friendly online and mobile banking options rounds off our selection of products and services.  The many awards and honours that we have received underscore our consulting expertise and the quality of our products.

Well-balanced and solid business model and excellent capital base

Despite the ongoing COVID-19 pandemic, we expect HVB Group to generate profit before tax for the 2021 financial year that we con-sider to be solid, given the present circumstances. Operating in-come in the first half of the year benefited from a strong start to the year; we expect the positive trend to level off slightly in the second half of 2021.
We project a slight decline in operating costs in the second half of 2021 over the first half of 2021. Compared with 2020, we thus pro-ject a slight improvement in the cost-income ratio for 2021, which will be slightly higher in the second half of 2021 than in the first half.

HVB Group has had an excellent capital base for years. As of 30 June 2021, the CET1 capital ratio is 18.0%. For the 2021 financial year, we anticipate a solid capital base for HVB Group with a CET1 capital ratio that is slightly below the 2020 figure of 18.8%.

At home in Germany

HypoVereinsbank is a German bank and a stock corporation under German law, and thus, in addition to supervision by the European Central Bank, is subject to all restrictions and regulations of the German financial market regulators. HypoVereinsbank is a member of the Compensation Scheme of German Banks (Entschädigungseinrichtung deutscher Banken GmbH), which provides for a statutory protection limit amounting to a maximum of €100,000 for secured deposits. In addition, HypoVereinsbank is a member of the Deposit Protection Fund of the Association of German Banks. The protection limit for deposits subject to this voluntary protection scheme is currently equal to 15 % of the applicable liable equity of the Bank.

Deep roots in society and global leadership in sustainability

Ecological and social aspects are of central importance for HypoVereinsbank. This is also reflected in the broad spectrum of sustainable financial products and the corresponding advice we provide to our customers. HypoVereinsbank is part of UniCredit, which is rated Prime by ISS ESG and is therefore one of the most sustainable banks in the world. As part of its Group-wide sustainability strategy, HypoVereinsbank is committed to doing business with integrity and reliability, handling resources and the environment responsibly and making a valuable contribution to the common good.