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Strengthening our Social Focus
Our social strategy is focused on addressing key social issues in our countries, including youth, education and a just and fair transition. We are also exploring how we can best support our communities in addressing emerging social challenges, such as health, particularly in the context of an ageing population.
We use several levers to provide this support, including social finance, direct social contributions and support for our employees.
For instance, since 2022, we have provided more than €13.2 billion in social financing via micro-credit, impact financing and lending to disadvantaged areas, and directly invested over €35bn into Italy through UniCredit per l'Italia[1]. We have also launched our Skills for Transition programme, offering training and education to young people to equip them with in-demand skills related to the green transition and we support our people within the bank by fostering a learning culture, building an inclusive and diverse workplace and ensuring well-being and quality of life.
We also provide direct support for our communities via the UniCredit Foundation, which supports our social strategy with its focus on empowering youth across Europe with equal education opportunities.
A distinctive social approach
Social Finance
We have a suitable, accessible, fair, and equitable (SAFE) financial offer:
> We developed new social products, tailored to local needs, including Futuro Sostenibile Sociale, UniCredit per l'Italia and UniCredit for CEE, and two new current accounts, Imprendo Sociale and Imprendo Sociale Più, for non-profit organisations
> We signed partnerships in the social sector.
Direct social contribution
We support communities through social projects and donations:
> We contribute to youth and financial education, through initiatives such as the Banking Academy in Italy and UniCredit Foundation programmes (Teach for All, Junior Achievement) across the Group
> We promote volunteering initiatives, encouraging our employees to directly support their communities.
Support to employees
We promote flexibility, well-being and people care, enhancing Diversity, Equity and Inclusion (DE&I):
> We foster a culture of continuous learning through initiatives such as Culture Bootcamps, mentoring programmes, reskilling opportunities, and well-being workshops
> We cultivate an inclusive and diverse workplace through employee networks, bias-free processes and equal opportunities
> We prioritise employee well-being and quality of life through initiatives such as "Ask for Help" resources, flexible working arrangements, mental health awareness activities, prevention programmes, and local welfare benefits.
Social Dialogue
At UniCredit, we believe that social dialogue contributes to value creation over the time, by strengthening our capability of collaboration, of listening and understanding of national and international needs in the labour matter.
UniCredit per l'Italia
As a bank, we also champion local initiatives to support our communities. For example, since 2022, we have invested €35bn in our UniCredit per l'Italia programme, which helps Italian companies and third-sector entities negotiate several competitiveness challenges: from the energy transition to the digital transition, supporting their growth, internationalization and development of intellectual capital.
Skills for Transition
Skills for Transition is a social programme, fully funded by UniCredit
It delivers strategic training to young people - including students and those not in education, employment or training (NEETs) - and companies expected to be impacted by the green transition, helping them to develop the skills they need to meet the demands of a changing environment whilst generating a measurable social impact.
The initiative sits firmly in line with UniCredit's strong commitment to promoting a just and fair transition, as well as its consistent support for education - a key driver for Europe's future. Together, these form part of the bank's stated purpose of empowering its communities to progress and underpin many of its ESG goals.
UniCredit Foundation
The aim of the UniCredit Foundation is to unlock the potential of Europe's next generation by providing young people with enhanced and equal educational opportunities and the support they need to make their way in the academic and professional worlds. It prioritises three areas of impact: School, Job and University.
Find out more about its projects and investment in youth and education here
[1] Data refers to UniCredit 2024 Annual Report, issued 25 February 2025.For the latest targets and updates please refer to our fixed income and ESG presentations.