UniCredit SpA is a holding company, which is engaged in the provision of commercial banking services. It operates through the following segments: Commercial Banking Italy, Commercial Banking Germany, Commercial Banking Austria, Central & Eastern Europe (CEE) Division, Corporate & Investment Banking (CIB), Asset Gathering, Non-core and Governance & Group Corporate Centre. The Commercial Banking Italy segment is composed commercial network, except CIB clients, leasing and factoring. The Commercial Banking Germany segment provides all German customers, except CIB clients, with a complete range of banking products and services. The Commercial Banking Austria segment provides all Austrian customers, except CIB clients, with a complete range of banking products and services. The CEE Division segment provides international financial banking services. The CIB segment offers structured finance, capital markets, and investment products; and corporate banking, transactions, financial, and advisory services to corporate and multinational customers. The Asset Gathering segment is a division specialized in wealth management through the direct channel and the financial advisors network, mainly focused on the retail customer segment. The Non-core segment includes selected assets of Commercial Banking Italy to be managed with a risk mitigation approach and some special vehicles for securitization transactions. The Governance & Group Corporate Centre segment includes global banking services, corporate center global function, inter-segment adjustments and consolidation adjustments not attributable to individual segments. UniCredit was founded in October 1998 and is headquartered in Milan, Italy.