UniCredit Bank Romania
A Romanian universal bank serving retail customers, entrepreneurs, small and medium-sized businesses, corporations and cross-border clients as part of UniCredit Group.
Last updated October 14, 2026
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Overview
UniCredit Bank Romania is a Romanian banking institution and a member of the UniCredit Group, the European banking group headquartered in Italy. The bank operates in Romania across retail banking, small-business banking, corporate banking and selected investment-banking and cross-border services. Its customer base includes individuals, freelancers, small and medium-sized enterprises, large companies and clients with international banking needs. The institution traces its local history to Ion Țiriac Bank, established in 1991. Ion Țiriac Bank later merged with HVB Bank Romania in June 2005, bringing together the Romanian operations of two institutions with different market profiles. At the time of the merger, Ion Țiriac Bank had 60 units, assets of approximately €706 million as of 31 March 2005 and a reported 2.9% share of the Romanian banking system. HVB Bank Romania was described as one of the country’s larger banks, with approximately €1.4 billion in assets, 320 employees, 12 branches and nearly 32,000 customers. The bank’s ownership and identity subsequently became increasingly integrated with UniCredit. In 2008, UniCredit acquired the Romanian subsidiary of Banca di Roma in the context of the wider acquisition of the Capitalia banking group. In August 2013, UniCredit Bank and RBS Romania completed the legal transfer of RBS’s retail and Royal Preferred Banking business to UniCredit Bank S.A. and UniCredit Consumer Financing IFN S.A. The transferred portfolio included personal and mortgage lending, credit cards, current and deposit accounts, savings products, debit cards, overdrafts and the iBanking service. The local institution operated for a period as UniCredit Țiriac Bank. In August 2015, it adopted the name UniCredit Bank after UniCredit Bank Austria AG acquired the 45% stake in UniCredit Țiriac Bank previously held by Țiriac Holdings. The change aligned the Romanian bank more closely with the wider UniCredit brand and ownership structure. The reference material identifies UniCredit Bank Austria AG as holding 95.62% of the bank, with the remaining 4.38% held by other shareholders. UniCredit Bank Romania is positioned as a full-service bank rather than a narrowly specialized lender. Its offer covers day-to-day accounts and payment services, deposits, cards, consumer finance, mortgages, business lending, treasury and cash-management services, and financing for real-estate activity. The bank has been particularly associated with real-estate expertise and is described as having a dedicated real-estate department. It also provides cross-border banking solutions intended to coordinate relationships for customers operating across several countries within the UniCredit network. Digital banking has been an important part of the bank’s development. The institution was recognized for online-banking services in 2009 and reported a high value of transactions conducted through online banking in Romania. In March 2012 it introduced a virtual branch on Facebook, allowing customers to communicate with consultants through a secure live-chat connection while also accessing online-banking and business-banking resources. In October 2012 it launched a mobile-banking application for internet-enabled phones and tablets, extending account access and transaction capabilities beyond physical branches. According to the cited historical reference, the bank was among Romania’s five largest banks, with 208 branches and nearly 3,000 employees. At the end of 2015, it reported approximately 600,000 active customers and total assets of RON 34.6 billion. These figures are historical and should not be treated as current operating statistics. UniCredit Bank Romania’s broader market role is supported by its membership in a group with a large European branch network and operations across additional international markets. Its distinctive local propositions have included corporate and real-estate finance, cash management, digital channels and services des…
History
UniCredit Bank Romania’s history begins with Ion Țiriac Bank, founded in Romania in 1991. The institution developed as an independent local bank during the post-communist transformation of Romania’s financial system. By March 2005, Ion Țiriac Bank had a network of 60 units, assets of approximately €706 million and a reported 2.9% share of the Romanian banking market, placing it in eleventh position according to the cited historical account. HVB Bank Romania represented the other major component of the bank’s later identity. Before the 2005 combination, HVB Bank Romania was reported to be among the seven largest banks in the local market, with around €1.4 billion in assets, 320 employees, 12 branches and nearly 32,000 customers. In June 2005, Ion Țiriac Bank merged with HVB Bank Romania. The transaction created a larger Romanian banking operation and established the corporate and ownership platform from which the present UniCredit-branded institution developed. The next stage was the integration of additional UniCredit-related activities. In 2008, UniCredit acquired Banca di Roma’s Romanian subsidiary as part of the broader acquisition of the Capitalia banking group. The Romanian Banca di Roma branch had reported assets of approximately £165.3 million at the end of 2005, according to the cited reference. This transaction connected the local bank more directly to UniCredit’s wider European consolidation strategy. The institution subsequently traded under the name UniCredit Țiriac Bank. Its business expanded beyond conventional branch banking to include services for individuals, entrepreneurs, small and medium-sized businesses, corporations and freelancers. Real-estate finance became a particular area of specialization, supported by a dedicated real-estate department. The bank also developed cross-border solutions for customers whose banking relationships extended across multiple countries in the UniCredit network. In August 2013, UniCredit Bank and RBS Romania announced completion of the legal transfer of RBS Romania’s retail and Royal Preferred Banking business. The transaction transferred a broad set of retail relationships and products, including personal-use loans, mortgages for property investment, credit cards, current accounts, deposits, savings accounts, debit cards, overdrafts and iBanking. The move increased UniCredit’s retail presence and added customers and products from RBS Romania to its local platform. Technology and remote access became visible parts of the bank’s customer proposition. The bank received recognition for online banking in 2009 and reported significant online transaction activity. In March 2012 it launched what was described as Romania’s first virtual branch on Facebook. The service enabled customers to communicate live with consultants through a secure connection and provided access to online-banking and Business Net resources, service brochures, branch and ATM locations, exchange-rate information and related tools. In October 2012 the bank launched a mobile-banking application supporting access through internet-enabled mobile phones and tablets. The final major identity change described in the supplied material took place in August 2015. UniCredit Bank Austria AG acquired the 45% stake in UniCredit Țiriac Bank previously owned by Țiriac Holdings. Following that ownership change, the bank dropped “Țiriac” from its name and became UniCredit Bank. The ownership information cited for the institution lists UniCredit Bank Austria AG with 95.62% and other shareholders with 4.38%. By the end of 2015, the bank was described as one of Romania’s top five banks, with 208 branches, almost 3,000 employees, approximately 600,000 active customers and total assets of RON 34.6 billion. The current scale and financial figures are not established by the supplied material. Historically, the Romanian operation has combined a universal banking model with UniCredit’s international network, emphasizing retail and corporate finance, real estate, cash management, digital banking and cross-border support.
- 2015
Rebrand to UniCredit Bank
[1]After UniCredit Bank Austria AG acquires the stake held by Țiriac Holdings, UniCredit Țiriac Bank changes its name to UniCredit Bank.
- 2013
RBS Romania retail-business transfer
[1]The legal transfer of RBS Romania’s retail and Royal Preferred Banking business to UniCredit Bank and UniCredit Consumer Financing is completed.
- 2012
Virtual branch and mobile banking launches
[1]UniCredit launches a Facebook-based virtual branch in March and a mobile-banking application in October.
- 2009
Recognition for online banking
[1]The bank is recognized for its online-banking services and reports substantial online transaction activity in Romania.
- 2008
UniCredit acquires Banca di Roma’s Romanian subsidiary
[1]UniCredit acquires the Romanian subsidiary of Banca di Roma as part of its wider acquisition of the Capitalia banking group.
- 2005
Ion Țiriac Bank merges with HVB Bank Romania
[1]The two Romanian banking operations combine in June 2005, bringing together Ion Țiriac Bank’s local network and HVB Bank Romania’s larger corporate platform.
- 1991
Ion Țiriac Bank is founded
[1]Ion Țiriac Bank is established in Romania, creating the institutional predecessor of UniCredit Bank Romania.
Products and positioning
A major Romanian universal bank within the UniCredit Group, positioned around integrated retail, business and corporate banking, with notable expertise in real estate, cash management, digital channels and cross-border services.
Retail banking
Retail banking
The retail business serves individual customers with current accounts, payments, savings, deposits, cards, consumer borrowing and mortgage-related products. The historical portfolio also included products transferred from RBS Romania, including personal-use loans, property-investment mortgages, credit cards, overdrafts and iBanking. The bank has used branch, online and mobile channels to distribute and support these services.
Business banking
Business and SME banking
UniCredit Bank Romania provides financial solutions for entrepreneurs, freelancers and small and medium-sized enterprises. The offering includes transaction accounts, payment services, lending, cards, deposits and digital business-banking tools. Business Net and related remote services have supported account access, product information and operational banking needs for smaller businesses.
Corporate banking
Corporate banking and cash management
The corporate franchise supports larger companies with lending, payment infrastructure, liquidity and cash-management services. Cash management was a recognized area of strength: Euromoney named the bank Best Bank for Cash Management in Romania in 2012 and 2013, according to the cited reference. Corporate services are also connected to UniCredit’s broader international network.
Real-estate banking
Real-estate finance
Real-estate financing is a prominent specialization of the Romanian bank. The institution is described as having a dedicated real-estate department and as serving property-investment and related corporate financing needs. The real-estate proposition extends beyond ordinary residential lending to specialized support for customers and companies active in the property market.
Digital banking · 2012
Online and mobile banking
The bank’s digital proposition has included online banking, Business Net, a Facebook virtual branch and a mobile-banking application. The virtual branch, launched in 2012, enabled secure live conversations with consultants and provided service information and branch, ATM and exchange-rate tools. The mobile application extended access to banking services through internet-enabled phones and tablets.
International banking
Cross-border banking solutions
Cross-border solutions coordinate banking relationships for customers operating in more than one country. Through the UniCredit network, the bank can help international customers manage accounts and related financial relationships across jurisdictions while seeking a consistent service experience.
Marketing campaigns
- 2012Facebook virtual branch
Romania
UniCredit Bank launched a virtual branch on Facebook, presented as Romania’s first such banking service. Customers could communicate live with consultants through a secure connection and access online-banking, Business Net, product information, branch and ATM location tools and exchange-rate data.
Outcome. The initiative expanded the bank’s digital customer-service presence and complemented its existing online-banking channels.
Brand decisions
2015
Remove Țiriac from the bank’s nameStrategyBackground
UniCredit Bank Austria AG acquired the 45% stake in UniCredit Țiriac Bank previously held by Țiriac Holdings.
Action taken
The institution changed its name from UniCredit Țiriac Bank to UniCredit Bank in August 2015.
Aftermath
The rebrand aligned the Romanian institution more closely with the UniCredit Group identity.
2013
Transfer RBS Romania’s retail and Royal Preferred Banking businessM&ABackground
RBS Romania’s retail and preferred-banking activities covered a broad range of consumer products and customer relationships.
Action taken
UniCredit Bank and UniCredit Consumer Financing completed the legal transfer of the business, including loans, mortgages, cards, accounts, deposits, savings products, overdrafts and iBanking.
Aftermath
UniCredit expanded its Romanian retail franchise and assumed the transferred customer products and services.
2008
Acquire Banca di Roma’s Romanian subsidiaryM&ABackground
UniCredit acquired the Capitalia banking group, which included Banca di Roma’s Romanian operation.
Action taken
The Romanian Banca di Roma subsidiary was brought into UniCredit’s local and wider European banking structure.
Aftermath
The transaction broadened UniCredit’s Romanian platform and reinforced its regional integration.
2005
Merge Ion Țiriac Bank with HVB Bank RomaniaM&ABackground
Ion Țiriac Bank and HVB Bank Romania were separate Romanian banking operations with complementary networks, assets and customer bases.
Action taken
The institutions merged in June 2005, creating a larger platform that later became part of UniCredit’s Romanian banking business.
Aftermath
The merger established the principal corporate predecessor of the current UniCredit Bank Romania.
Recent events
UniCredit Bank Romania announces Antoaneta Curteanu appointment[2]
Reported:
UniCredit Bank Romania announced that Antoaneta Curteanu would become Vice-President of its Board of Directors and coordinator of the Retail Division starting November 1, 2019, subject to prior approval from the National Bank of Romania.
Sources2 sources
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