UniCredit is a pan-European Commercial Bank with a unique service offering in Italy, Germany, Central and Eastern Europe. Our purpose is to empower communities to progress, delivering the best-in-class for all stakeholders, unlocking the potential of our clients and our people across Europe.
2022 Annual & Integrated Reports
Unlocking... A better bank, a better world, a better future
One UniCredit is our Group digital magazine where we showcase stories and insights from across our geographies in Italy, Germany, Central & Eastern Europe.
One UniCredit is where our people, clients and stakeholders can engage with us to discover the bank's commitments and corporate values.
One UniCredit is where you will find content to entertain you as well as useful tips to apply to both your professional and personal life. Read our stories!
A better world: join us tomorrow for Earth Hour
Friday 24 March 2023
For the 16th consecutive year, UniCredit invites you to join Earth Hour and show your support for our planet by switching off the lights wherever you may be for one hour tomorrow, Saturday 25 March at 20.30 local time. This is just one of many initiatives highlighting our strong ESG ambitions and commitment to combatting climate change
With online booking, shopping and paying always on the rise, it is important to ensure that your online experience is safe and secure. As you navigate the web, use these tips to protect your data and avoid the pitfalls that may lurk in the shadows. Discover more in our fifth episode of the cyber security campaign.
Unlocking… A better bank, a better world, a better future
Thursday 09 March 2023
UniCredit is proud to launch its 2022 Annual and Integrated Reports that share the title “Unlocking…A better bank, A better world, A better future”. This year’s reports are a true testament to our bank’s transformation and the milestones we have achieved in 2022 thanks to all our stakeholders.
On the occasion of 2023 International Women’s Day, we recognise this year’s global theme, #EmbraceEquity, by talking about the importance of creating a diverse, equitable and inclusive environment for all and celebrating the achievements of women everywhere now and going forward.
UniCredit is proud to support “Portraits” the unique exhibition by British photographer Lee Jeffries, on show in Milan until 16 April at the Museo Diocesano in Milan. Fifty incredible shots of faces of that hidden and invisible humanity that populates the streets of the great cities of Europe and the United States.
As part of our environmental commitments under UniCredit Unlocked, we set ourselves the ambitious target of becoming a plastic-free bank. Today, thanks to the efforts of all employees across the Group, we are proud to say we achieved our goal ahead of schedule. Read our Q&A with Salvatore Greco, Head of Group Real Estate, to find out more.
Conversations Unlocked: How will innovation define banking’s future?
Wednesday 22 February 2023
Tune into our 5th Podcast episode focused on the current tech revolution that is driving innovation and its potential to transform financial services. What will the next generation of banking look like? How can institutions like UniCredit balance innovation and their client-centric offering? Listen to our episode to find out more.
We look back at the recent exhibition “FUORI, nella terra dell'uomo” where UniCredit and Fondazione Cariverona collectively brought together 26 artists from different nationalities, styles and eras. The initiative has had a significant positive impact and is a testament of our bank’s mission of making culture accessible to all.
At UniCredit we take our customer’s security very seriously. This Valentine’s Day protect your heart and wallet from online fraudsters by following our top 5 tips and tricks to avoid the most common love scams that can easily endanger your digital identity and savings.
Conversations Unlocked: Is Digital Europe in danger?
Wednesday 08 February 2023
The digital landscape offers many opportunities to the financial sector. The pace at which those opportunities come to life is however extremely fast and in constant evolution, often leading to personal data threats and security breaches. What can institutions like UniCredit do to safeguard our employees and customers as this space evolves? And how can we use the digital world to help us all succeed? Listen to our 4th episode from Season 2 to find out more!
UniCredit: 2022 Share Buy-Back Programme in amount of €3.34bn authorised by the ECB
28 March 2023
UniCredit S.p.A (“UniCredit”, “The Company”) has received ECB authorization for the execution of the 2022 share buy-back programme for a maximum of Euro 3,343 million. This approval was based on financial information provided by the Company that exhibited significant strength in its capital levels and best-in-class organic capital generation. Combined with the robustness of the liquidity position, these ensure that the business can weather stress scenarios from a position of strength.
The assessment took into account a capital trajectory under conservative assumptions and updated macroeconomic scenarios. Additionally, it considered the historical performance of the bank, which is operating at a new profitability floor; a new run-rate for earnings and distribution from which the business can grow further and continue to deliver strong results for all stakeholders.
Together with the proposed dividend this leads to a total 2022 distribution of Euro 5.25 billion: an increase of 40% versus 2021. This underlines UniCredit’s commitment to attractive and sustainable shareholder returns while maintaining robust capital. Proforma for this distribution UniCredit’s CET1 ratio is 14.9% as at 2022 year end and is expected to increase further in 1Q 2023.
Commencement of the buy-back programme, as well as the dividend for a maximum of Euro 1,906,562,000, is dependent upon the approval by shareholders of the Company at the Shareholders’ Meeting convened on 31 March 2023 for which a Notice of Call was published on 28 February 2023. Please refer to the Company website for further details. We aim to execute the share buyback in two tranches, the first one of circa €2.34 billion to commence as soon as possible post the AGM approval, while the second tranche of circa €1.0 billion is expected to commence during the second half of 2023, shortly after the completion of the first tranche.
Milan, 28 March 2023
Media Relations: e-mail: MediaRelations@unicredit.eu
Investor Relations: e-mail: InvestorRelations@unicredit.eu
UniCredit supports Earth Hour for the 16th consecutive year. Lights will be switched off in 35 buildings across the Group.
24 March 2023
Tomorrow, Saturday 25 March at 20.30 local time, UniCredit will turn off the lights in 35 of its buildings across twelve of the Group's countries for sixty minutes - marking the bank's sixteenth consecutive year of participation in Earth Hour
Since its beginnings in 2007, the World Wildlife Fund’s (WWF) Earth Hour has been known for the “lights off” moment, with individuals from around the globe switching off their lights to show symbolic support for the planet and to raise awareness of the environmental issues affecting it.
This year, however, Earth Hour is expanding its focus beyond switching off the lights.
With the call “Switch off. Give an hour for Earth”, the WWF will use Earth Hour to highlight the importance of European nature and shine a spotlight on its restoration.
Fiona Melrose, Head of Group Strategy and ESG at UniCredit, said: "We take part in Earth Hour each year as a clear demonstration of our strong efforts to support sustainability and take concerted action against climate change. ESG topics remain embedded in everything we do. In fact, we recently published our Net Zero targets on the first carbon intensive sectors for 2030: Oil & Gas, Power Generation and Automotive. We are also defining a Group roadmap to achieve Net Zero on our own emissions by 2030, leveraging on space optimization, energy efficiency, electricity from renewable sources and heating systems transformation.”
At UniCredit, we are focused on delivering a positive and sustainable transition to green energy which does as little harm to the planet and its people as possible.
We are working to contain our environmental footprint by procuring our electricity from renewable sources, improving the energy efficiency of our premises and data centres, supporting our people with more sustainable mobility solutions and sourcing from environmentally friendly suppliers. This approach is also supported by the implementation of Environmental Management Systems across the Group.
To concretely showcase how ESG values are embedded in our business and culture, we are also part of the Principles for Responsible Banking (including the PRB's commitment on Financial Health and Inclusion), the Ellen MacArthur Foundation network committed to Circular Economy, and have signed up to the Sustainable STEEL Principles and Finance for Biodiversity Pledge as the first bank from Italy at COP15.
Our 2022 Integrated Report describes in detail how we intend to create sustainable value over time under a common Purpose of Empowering Communities to Progress
Milan, 24 March 2023
Eni and UniCredit partner around Open-es, an open alliance for sustainable growth and collaboration
17 March 2023
Eni and UniCredit have today announced their partnership around Open-es, an ecosystem initiative seeking to enhance cross-business collaboration and support companies in measuring and improving their ESG performance.
Open-es is an alliance that joins together entrepreneurial, financial and associative networks, supporting all stakeholders on their sustainable development path through a digital and innovative platform.
Launched by Eni in 2021 and today involving more than 10,000 companies and 20 partners, the initiative represents an inclusive and collaborative community with a virtuous commitment on ESG targets.
UniCredit will act as a value-chain leader partner in this alliance – thereby playing a strategic role in the sustainable development of the Italian corporate sector and more broadly, with initiatives and solutions aimed at companies of every size.
Moreover, in joining Open-es, UniCredit once again underlines its ambitions to achieve its Net Zero targets by 2050, as well as the bank’s enduring commitment to supporting clients and communities on the path towards a just and fair transition.
The partnership created by Open-es between the financial and industrial sectors, in addition to promoting synergies for companies in terms of efficiency in sharing information, also plays a key role in enabling investments and encouraging the concrete actions necessary for the development of sustainability across the entrepreneurial system.
With this announcement, another key step has also been taken on the journey towards a common solution that supports a significant part of the corporate ecosystem, which also considers the evolution of ESG regulation.
Fiona Melrose, Head of Group Strategy & ESG, UniCredit, said: “At UniCredit, we want to raise awareness and equip our clients with the information, tools and innovations that can support their climate transition plans. Our partnership with Eni as regards Open-es represents the latest step in this journey, and highlights the importance of collaboration up and down the value chain in these efforts.”
Costantino Chessa, Head of Procurement Eni, added: "Two years ago we launched Open-es with the aim of creating an open and cross-industry alliance to foster the sustainable development of all companies with an inclusive approach. This new partnership confirms that when we join the efforts of big industrial and financial players, we can accelerate the energy transition with a systemic mindset that involves the entire production system.”
Milan, 17 March 2023
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Notice of filing of the 2022 Annual Financial Report. 31 March 2023 Ordinary and Extraordinary Shareholders’ Meeting.
09 March 2023
The Company informs you that today is made available to the public, at the Company's Registered Office, on the website of the authorized storage mechanism "eMarket STORAGE" managed by Teleborsa S.r.l (www.emarketstorage.com), as well as on the UniCredit’s website (www.unicreditgroup.eu/agm31march2023) the following documentation relating to the Shareholders’ Meeting convened on 31 March 2023:
the General Meeting Draft Company Report and Accounts 2022 of UniCredit S.p.A. and the Consolidated Report and Accounts 2022 of UniCredit Group, together with the documentation required by law;
the 2022 Integrated Report - Consolidated Non-Financial Statement (ex Legislative Decree no. 254/2016);
the 2022 Report on Corporate Governance and ownership structure, drafted in accordance with Section 123/bis of the Legislative Decree no. 58/1998.
It should be noted that the financial statements and/or the summary statements of UniCredit's subsidiaries and affiliated companies pursuant to article 2429, paragraphs 3 and 4, of the Italian Civil Code, as well as the financial statements prepared for the purpose of drawing up the consolidated financial statements of the relevant subsidiaries not belonging to the European Union prepared pursuant to article 15 of the "Markets Regulation" Consob no. 20249/2017, will be made available to the public viewing at the Company's Registered Office as from 16 March 2023.
Milan, 9 March 2023
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The Company gives notice that today is available to the public, at the Company's Registered Office, on the website of the market management company Borsa Italiana S.p.A. (www.borsaitaliana.it), on the website of the authorized storage mechanism "eMarket STORAGE" managed by Teleborsa (www.emarketstorage.com), as well as on the UniCredit website the documentation concerning the items on the Agenda of the Shareholders’ Meeting convened on 31 March 2023.
It is specified that further documentation concerning the items on the agenda of the ordinary and extraordinary Shareholders’ Meeting, including the draft of the financial statements, the consolidated financial statements and the integrated statements ex D.Lgs. 254/2016, will be published according to the terms provided by law.
Milan, 1 March 2023
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