Through the network banks and Group product companies, the UBI Banca Group offers diversified services targeted to customer segments (retail, private and corporate) composed of:

• banking services, provided through the Group's Network Banks, advisors of UBI Banca Private Investment and the online bank IW Bank;
• asset management products, produced and managed mainly through the company UBI Pramerica SGR. Formed from a joint venture with Pramerica Financial (a leading American financial institution), UBI Pramerica offers its customers a vast range of mutual investment funds, in addition to costumer portfolio management products. The UBI Banca Group is one of the leading operators in the Italian asset management sector, with a market share, in terms of assets under management in mutual investment funds and Sicav's, of approximately 3,27% (source: Assogestioni, Map of the Managed Saving);
• consumer credit products, operating in this sector through B@nca 24-7, specialising in the granting of personal loans, salary-backed loans, the issue of credit cards and the granting of mortgages;
• Bancassurance products, through the offering of products for individuals and companies, distributed throughout the country, from:
    
  1. UBI Assicurazioni, a joint-venture with Fortis and BNP Paribas Assurance, wich operates in insurance activities in all non-life sectors and reassurance non-life sectors with the exclusion of credit and suretyship insurance;
  2. Aviva Vita and Lombarda Vita operating in the life sector, both joint ventures with the Aviva insurance group and the Cattolica Assicurazioni Group respectively.
      
• leasing services, provided by UBI Leasing;
• factoring services, by UBI Factor;
• corporate & investment banking, services provided by Centrobanca.