3Q21 & 9M21 Group Results Presentation
Webcast & Conference call 28 October 2021 – 10.00 CET
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Group results

28

October 2021

Milan

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Great music is accessible to everyone, which is what counts
Culture&Society

Filarmonica della Scala today celebrates its 40th anniversary

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UniCredit supports All4Climate Pre-COP26 events in Milan
SUSTAINABILITY
17 September 2021 - h 12:00

Taking place from 28 September to 2 October

UniCredit will participate in the Driving Ambition roundtable on 30 September

 

 

UniCredit is supporting a week of dedicated events in Italy with the aim to raise awareness and act on climate change under the umbrella of the All4Climate – Italy 2021 program, launched by the Ministry of Ecological Transition and Connect4Climate – World Bank Group, and with the involvement of the Municipality of Milan and the Lombardy region.

 

Andrea Orcel, CEO of UniCredit, commented: “This is a pivotal moment for Italy and the world after the Covid-19 pandemic, to build back better and become more sustainable. Banks have a crucial role in supporting a just transition to a low carbon and more inclusive economy, and UniCredit is fully committed to supporting our clients, our communities and working together with all relevant stakeholders on this important journey.”

 

The All4Climate program includes several events and initiatives around two major international milestones taking place in Milan in the run-up to COP26 in Glasgow this November. These are the UN Pre-COP26 climate conference from 28 September to 2 October, and the Youth4Climate: Driving Ambition event from 28 to 30 September.

 

Both will hold significant implications for the Glasgow talks in a pivotal year for climate change following the shock of the global pandemic with the Youth4Climate event specifically aimed at providing young people the opportunity to put forward their ideas and concrete proposals on some of the most pressing issues in the climate agenda.

 

The All4Climate schedule will accompany these two major events with relevant discussions and roundtables designed to welcome and strengthen the efforts, including the participation of UniCredit at the Driving Ambition roundtable on 30 September focused on how governments, the private sector, UN, media, and science can work together to resolve the climate crisis.

 

 

Celebrating 2 years of Principles for Responsible Banking
COMMITMENTS
22 September 2021 - h 10:30

As a signatory bank, UniCredit is proud to celebrate this important milestone towards greater industry alignment and progress on sustainability for the benefit of all our stakeholders and future generations to come

Building momentum ahead of COP26
COMMITMENTS
27 September 2021 - h 17:02

UniCredit joins the All4Climate Pre-COP events taking place in Milan from 28 September to 2 October in the quest to engage youth and concretely act upon climate change thanks to the bank’s multitude of initiatives and ESG strategy.

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UniCredit share information - Intraday

 

 

UniCredit is a simple successful Pan European Commercial Bank, with a fully plugged in Corporate & Investment Banking, delivering a unique Western, Central and Eastern European network to its extensive and growing client franchise.

 

 

 

Our Strategic Targets
Meet Our CEO

"I am determined that my time in this role as UniCredit CEO is spent leveraging these assets to enable us to go further and be better."

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PRESS RELEASE
In line with its commitment to a climate-positive future, UniCredit joins the Net-Zero Banking Alliance (NZBA), an industry-led, UN-convened alliance of banks worldwide, committed to aligning their lending and investment portfolios with net-zero emissions by 2050 or sooner, in line with the most ambitious targets set by the Paris Climate Agreement.   Representing more than a third of global banking assets, with over 76 members from 35 countries and $54 trillion in total assets, the Alliance is a critical step in the mobilisation of the financial sector for climate. It recognises the vital role of banks in supporting the global transition of the real economy to net-zero emissions, encompassing both operational and attributable emissions, including Scope 3 emissions.   Alliance members commit to:   o   Set scenario-based interim targets for 2030 or sooner for priority sectors o   Prioritise areas of most significant impact, i.e. the most greenhouse gas-intensive and emitting sectors o   Annually publish emissions and emissions intensity o   Take into account the best available scientific knowledge o   Set first target(s) within 18 months of signing and report annually thereafter o   Disclose progress against a board-level reviewed transition strategy   The NZBA is convened by the United Nations Environment Programme Finance Initiative and is the banking element of the Glasgow Financial Alliance for Net Zero, chaired by Mark Carney, UN Special Envoy on Climate Action and Finance ahead of COP 26.   UniCredit is proud to join leading peers from the banking industry in these collective efforts to reach net-zero emissions by 2050. We look forward to engaging with our clients to support them in their transition plans and accelerate action on climate. Further details on our ESG strategy will be disclosed at our forthcoming investor day as part of the new business plan for the Group.   Andrea Orcel, CEO of UniCredit, commented: “UniCredit is proud to have signed up to the Net-Zero Banking Alliance and is committing to aligning our lending and investment portfolios with net-zero emissions by 2050. This is an important moment in our journey to a more sustainable future and is a necessary action to focus attention and ultimately make significant progress in this area.   “We exist to support our clients through any challenges they face and this includes helping industries adapt to a changing world. In the short-term, this will mean working with companies who may only be at the start of their path to sustainability. We will do so if – and only if – we believe this path is both realistic and ultimately beneficial for all stakeholders, including the environment. To do otherwise would be irresponsible and would work against the customers and clients we serve and our commitment to empowering societies across Europe.   “We are focused on delivering a positive and sustainable transition to green energy which does as little harm to both the planet and its people as possible. Our signing of the Net-Zero Banking Alliance is a commitment to helping society make this change. It will not be an overnight process, but I believe 2050 is the right target for our industry to commit to and I am looking forward to the changes that will come.”   Milan, 20 October 2021    Media Contacts mediarelations@unicredit.eu     About the Alliance: The industry-led, UN-convened Net-Zero Banking Alliance brings together over 50 banks representing more than a third of global banking assets, which are committed to aligning their lending and investment portfolios with net-zero emissions by 2050. Combining near-term action with accountability, this ambitious commitment sees banks setting an intermediate target for 2030 or sooner, using robust, science-based guidelines. The Alliance will reinforce, accelerate and support the implementation of decarbonisation strategies, providing an internationally coherent framework and guidelines in which to operate, supported by peer-learning from pioneering banks. It recognises the vital role of banks in supporting the global transition of the real economy to net-zero emissions. www.unepfi.org/net-zero-banking
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PRESS RELEASE
20 Oct 2021 - h 07:30
In line with its commitment to a climate-positive future, UniCredit joins the Net-Zero Banking Alliance (NZBA), an industry-led, UN-convened alliance of banks worldwide, committed to aligning their lending and investment portfolios with net-zero emissions by 2050 or sooner, in line with the most ambitious targets set by the Paris Climate Agreement.   Representing more than a third of global banking assets, with over 76 members from 35 countries and $54 trillion in total assets, the Alliance is a critical step in the mobilisation of the financial sector for climate. It recognises the vital role of banks in supporting the global transition of the real economy to net-zero emissions, encompassing both operational and attributable emissions, including Scope 3 emissions.   Alliance members commit to:   o   Set scenario-based interim targets for 2030 or sooner for priority sectors o   Prioritise areas of most significant impact, i.e. the most greenhouse gas-intensive and emitting sectors o   Annually publish emissions and emissions intensity o   Take into account the best available scientific knowledge o   Set first target(s) within 18 months of signing and report annually thereafter o   Disclose progress against a board-level reviewed transition strategy   The NZBA is convened by the United Nations Environment Programme Finance Initiative and is the banking element of the Glasgow Financial Alliance for Net Zero, chaired by Mark Carney, UN Special Envoy on Climate Action and Finance ahead of COP 26.   UniCredit is proud to join leading peers from the banking industry in these collective efforts to reach net-zero emissions by 2050. We look forward to engaging with our clients to support them in their transition plans and accelerate action on climate. Further details on our ESG strategy will be disclosed at our forthcoming investor day as part of the new business plan for the Group.   Andrea Orcel, CEO of UniCredit, commented: “UniCredit is proud to have signed up to the Net-Zero Banking Alliance and is committing to aligning our lending and investment portfolios with net-zero emissions by 2050. This is an important moment in our journey to a more sustainable future and is a necessary action to focus attention and ultimately make significant progress in this area.   “We exist to support our clients through any challenges they face and this includes helping industries adapt to a changing world. In the short-term, this will mean working with companies who may only be at the start of their path to sustainability. We will do so if – and only if – we believe this path is both realistic and ultimately beneficial for all stakeholders, including the environment. To do otherwise would be irresponsible and would work against the customers and clients we serve and our commitment to empowering societies across Europe.   “We are focused on delivering a positive and sustainable transition to green energy which does as little harm to both the planet and its people as possible. Our signing of the Net-Zero Banking Alliance is a commitment to helping society make this change. It will not be an overnight process, but I believe 2050 is the right target for our industry to commit to and I am looking forward to the changes that will come.”   Milan, 20 October 2021    Media Contacts mediarelations@unicredit.eu     About the Alliance: The industry-led, UN-convened Net-Zero Banking Alliance brings together over 50 banks representing more than a third of global banking assets, which are committed to aligning their lending and investment portfolios with net-zero emissions by 2050. Combining near-term action with accountability, this ambitious commitment sees banks setting an intermediate target for 2030 or sooner, using robust, science-based guidelines. The Alliance will reinforce, accelerate and support the implementation of decarbonisation strategies, providing an internationally coherent framework and guidelines in which to operate, supported by peer-learning from pioneering banks. It recognises the vital role of banks in supporting the global transition of the real economy to net-zero emissions. www.unepfi.org/net-zero-banking
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Time 4 you
Enjoy the no-fuss recipes prepared by our Croatian colleagues for tasty and healthy meals to give a new twist to your lunches and dinners in under 30 minutes.
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Commitments
Laura Penna, Head of Group Social Impact Banking, shares her views after UniCredit is named Best Social Impact Bank in Europe by CFI magazine for the second time. A testament to the Bank’s commitment in being part of the solution in these challenging times and in the recovery phase.
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Time 4 you
In today’s globalised world, cultural competence helps bridge cultures and backgrounds to create a workplace where people feel valued. This builds loyalty and better understanding, resulting in repeat business, less costly mistakes and higher job satisfaction. Learn how you can cultivate this attribute with the following three tips.
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Clients
Italian businesses are increasingly facing competition in international markets. We explore how innovative digital services can help tackle this challenge with insights by Emilio Spera and Guido Pusterla Cortesini from our Internationalisation team.
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Time 4 you
You won't be-leaf how stunning these autumn photos are!
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Clients
#UniCredit4Business
UniCredit is the Official Sponsor of MIA - Mercato Internazionale del Cinema, a tangible commitment by the bank to support the Italian audio-visual sector and promote a positive return to the big screen.
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Commitments
UniCredit Bank Austria sends a strong signal of climate commitment with a vast programme for both customers and employees proving that banks are an important multiplier for climate protection and that they have a massive leverage effect towards sustainable business.
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Time 4 you
Adopting an 80/20 mindset in business helps us identify strategies and opportunities that benefit the company and our career growth. Established by the economist Vilfredo Pareto, the 80/20 rule hypothesises that 80% of outcomes (outputs) stem from 20% of causes (inputs). Here are three ways to apply the 80/20 rule to our everyday work.
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Time 4 you
To create meaningful impact and growth opportunities, team members must first win the trust and hearts of the people they serve and work with. Here are three tips for building credibility within our teams.
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Our Strategic Targets
Annual Report and Accounts

As at 31 December 2020

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UniCredit: Fitch affirmed UniCredit SpA's ratings
PRESS RELEASE
20 October 2021 PRICE SENSITIVE
The Rating Agency Fitch Ratings affirmed UniCredit SpA’s ‘BBB-‘ ‘Long-Term Issuer Default Rating (‘IDR’), the ‘F3’ Short-Term Rating and the ‘bbb-’ Viability Rating (i.e. standalone rating).   The outlook has been affirmed at ‘stable’.   SNP, Tier2 and AT1 ratings have been affirmed as well.   For further details please see Fitch Ratings’ corresponding press release on the rating agency website www.fitchratings.com.     Milan, 20th October 2021       Enquiries:            Media Relations: e-mail: MediaRelations@unicredit.eu   Investor Relations: e-mail: InvestorRelations@unicredit.eu
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CFI magazine names UniCredit as Best Social Impact Bank in Europe for the second time
PRESS RELEASE
20 October 2021
UniCredit has been named by Capital Finance International magazine (CFI.co) as the Best Social Impact Bank in Europe in 2021. For the second year in a row, the magazine has selected UniCredit as the leading institution for making a strong contribution towards positive social impact to support the real economy across Europe.    The judges highlighted UniCredit’s commitment to a robust value system and significant efforts in integrating sustainability across its capital strategies. Furthermore, the bank’s offer of concrete solutions for sustainable development, including financial education for the youth and capacity-building programmes for female entrepreneurs were commended as well as UniCredit’s clear progress on several ambitious ESG targets.   Commenting on the award, Roberta Marracino, Head of Group ESG Strategy & Impact Banking, said: "We are extremely proud to once again be acknowledged by CFI as the Best Social Impact Bank in Europe. We continue to work hard towards our ESG goals with a strong commitment to support our clients and communities in the current transition phase, ensuring a just pathway for all towards an increasingly inclusive and sustainable economy and society.”   Since first launch in Italy at the end of 2017, UniCredit’s Social Impact Banking (SIB) programme has provided over 5270 loans, including impact finance and microcredit, across 11 UniCredit markets to support social entrepreneurs and initiatives with a measurable positive social impact amounting to a total of more than 295 million euros disbursed (figures as at end of June 2021).   The success of the SIB programme has also been reflected at the local level. As a great example of this, UniCredit bank in Hungary was recently recognised with the EFFEKT 2030 Community Investment Award in the Opportunity Business category for Best Social Impact Banking as testament to its local sustainability efforts in line with UniCredit Group’s ESG commitments and targets.     Milan, October 20, 2021     Enquiries: mediarelations@unicredit.eu
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UniCredit joins UN-Convened Net-Zero Banking Alliance
PRESS RELEASE
20 October 2021
In line with its commitment to a climate-positive future, UniCredit joins the Net-Zero Banking Alliance (NZBA), an industry-led, UN-convened alliance of banks worldwide, committed to aligning their lending and investment portfolios with net-zero emissions by 2050 or sooner, in line with the most ambitious targets set by the Paris Climate Agreement.   Representing more than a third of global banking assets, with over 76 members from 35 countries and $54 trillion in total assets, the Alliance is a critical step in the mobilisation of the financial sector for climate. It recognises the vital role of banks in supporting the global transition of the real economy to net-zero emissions, encompassing both operational and attributable emissions, including Scope 3 emissions.   Alliance members commit to:   o   Set scenario-based interim targets for 2030 or sooner for priority sectors o   Prioritise areas of most significant impact, i.e. the most greenhouse gas-intensive and emitting sectors o   Annually publish emissions and emissions intensity o   Take into account the best available scientific knowledge o   Set first target(s) within 18 months of signing and report annually thereafter o   Disclose progress against a board-level reviewed transition strategy   The NZBA is convened by the United Nations Environment Programme Finance Initiative and is the banking element of the Glasgow Financial Alliance for Net Zero, chaired by Mark Carney, UN Special Envoy on Climate Action and Finance ahead of COP 26.   UniCredit is proud to join leading peers from the banking industry in these collective efforts to reach net-zero emissions by 2050. We look forward to engaging with our clients to support them in their transition plans and accelerate action on climate. Further details on our ESG strategy will be disclosed at our forthcoming investor day as part of the new business plan for the Group.   Andrea Orcel, CEO of UniCredit, commented: “UniCredit is proud to have signed up to the Net-Zero Banking Alliance and is committing to aligning our lending and investment portfolios with net-zero emissions by 2050. This is an important moment in our journey to a more sustainable future and is a necessary action to focus attention and ultimately make significant progress in this area.   “We exist to support our clients through any challenges they face and this includes helping industries adapt to a changing world. In the short-term, this will mean working with companies who may only be at the start of their path to sustainability. We will do so if – and only if – we believe this path is both realistic and ultimately beneficial for all stakeholders, including the environment. To do otherwise would be irresponsible and would work against the customers and clients we serve and our commitment to empowering societies across Europe.   “We are focused on delivering a positive and sustainable transition to green energy which does as little harm to both the planet and its people as possible. Our signing of the Net-Zero Banking Alliance is a commitment to helping society make this change. It will not be an overnight process, but I believe 2050 is the right target for our industry to commit to and I am looking forward to the changes that will come.”   Milan, 20 October 2021    Media Contacts mediarelations@unicredit.eu     About the Alliance: The industry-led, UN-convened Net-Zero Banking Alliance brings together over 50 banks representing more than a third of global banking assets, which are committed to aligning their lending and investment portfolios with net-zero emissions by 2050. Combining near-term action with accountability, this ambitious commitment sees banks setting an intermediate target for 2030 or sooner, using robust, science-based guidelines. The Alliance will reinforce, accelerate and support the implementation of decarbonisation strategies, providing an internationally coherent framework and guidelines in which to operate, supported by peer-learning from pioneering banks. It recognises the vital role of banks in supporting the global transition of the real economy to net-zero emissions. www.unepfi.org/net-zero-banking
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UniCredit sells Bosnian non-performing credit portfolio to EOS MATRIX d.o.o., BiH, part of the EOS Group
PRESS RELEASE
14 October 2021
UniCredit announces that, through its subsidiary UniCredit Bank d.d. Mostar, it has reached an agreement with EOS MATRIX d.o.o., BiH, part of the EOS Group, to on a non-recourse basis (pro-soluto) sell a portfolio composed of secured and unsecured non-performing loans granted by UniCredit Bank d.d. Mostar to SME’s and Corporate customers.   The portfolio consists entirely of Bosnian loans with a Legal Claim value of approximately €17,5 million.   The sale is part of UniCredit Group’s on-going strategy to reduce non-performing exposure (“NPE”).   The impact is expected in the accounts by the end of the 2021.     Milan, 14 October, 2021     Enquiries:   Mediarelations@unicredit.eu 
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Press Release
PRESS RELEASE
09 October 2021
Regione Siciliana and UniCredit S.p.A have agreed to resolve, in their mutual interest, their dispute relating to swap transactions entered into in 2005 and 2006 in order to hedge one of Regione Siciliana's long term debt obligations. Without any admission of liability, the parties have reached an agreement to terminate the remaining swap transaction early. Regione Siciliana and UniCredit S.p.A. are pleased to have reached a settlement that is in the interests of both parties and will avoid long and costly litigation. The parties will not be making any further comment.    
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