Bank also recognised as ‘Bank of the Year in Western Europe’, ‘Bank of the Year in Italy’ and ‘Bank of the Year in Bulgaria’, in resounding proof of ongoing transformation   UniCredit was hailed Global ‘Bank of the Year’ for 2023 at The Banker’s annual ceremony in London, in a first for the bank, as well as being named ‘Bank of the Year in Western Europe’, ‘Bank of the Year in Italy’ and ‘Bank of the Year in Bulgaria’.   Regarded amongst the leading industry standards for banking excellence, The Banker’s ‘Bank of the Year Awards’, evaluates the world's leading financial institutions, based on their ability to deliver returns, gain strategic advantage, and serve their markets.   The Banker, part of the Financial Times Group, provides economic and financial intelligence for the world's financial sector and has built a reputation for objective and insightful reporting since its inception in 1926.   Commenting on UniCredit’s standout performance, Joy Macknight, editor of The Banker, said: “UniCredit is an impressive turnaround story, delivering more than 200% increase in profits during the full year under review, reducing its cost base and achieving its best Q1 results ever in 2023. It is well on its way to deliver its ‘UniCredit Unlocked’ 2022-2024 Strategic Plan, exceeding its ambitions to date. The bank is in the second phase of its industrial transformation, having made significant investments in digital and data. Alongside revamping its IT architecture through API and cloud infrastructure, UniCredit is investing in digitising all its processes to improve the employee experience. Its ESG commitments are ahead of peers, particularly its efforts to strengthen its focus on social issues. Its landmark partnerships with Allianz and Azimut illustrate the bank’s foresight in providing excellent customer service and offerings”.   Over the last two years, since the launch of its UniCredit Unlocked strategic plan, UniCredit has relentlessly worked on its cultural and industrial transformation, streamlining its systems, increasing its digital and data capabilities, and embedding ESG principles in everything it does – in order to become a fundamentally better, stronger bank for the communities it serves.   Andrea Orcel, Group CEO and Head of Italy, UniCredit, said: “We are immensely proud of these achievements, which demonstrate the collective strength of our thirteen banks across Europe and how are keeping the client at the centre of everything we do. All of this has, of course, been made possible by our colleagues uniting behind our strategy and the culture of excellence we have fostered within our bank. We will continue to raise the bar on behalf of our clients and communities our path to be the bank for Europe’s future   Earlier this year, UniCredit has also been named Best Bank for Innovation in Digital Banking, Western Europe and Best Bank for Payments by The Banker as part of its Innovation in Digital Banking and Transaction Banking Awards programmes.   The new accolades are a significant recognition of the forward momentum of UniCredit’s ongoing transformation, already testified by this year’s Euromoney Awards for Excellence, when the bank was named Best Bank in Central & Eastern Europe, Best Bank and Best Investment Bank in Italy, and in other four countries where the bank is present.   Milan, December 1, 2023   For further information, please contact: mediarelations@unicredit.eu  

  Following the signing of the agreements on 7 July 2023 regarding Incontra Assicurazioni S.p.A. (“Incontra” or the “Company”), an Italian P&C insurance company, UniCredit successfully finalized two concurrent transactions aimed at simplifying the current bancassurance set-up:   Acquisition from UnipolSai Assicurazioni S.p.A. of 51% of the issued share capital of Incontra; Disposal to Allianz S.p.A. of 50% of the issued share capital of Incontra.   As a result, UniCredit S.p.A. participation in Incontra has grown from 49% to 50% of the issued share capital.   Milan, 1 December 2023         Contacts Media Relations e mail: mediarelations@unicredit.eu Contatti - UniCredit (unicreditgroup.eu)   Investor Relations e mail: InvestorRelations@unicredit.eu  

  Transaction enables strategic partnership in the German market and beyond First investment made by the newly founded UCG Strategic Investment Team   UniCredit has invested in Berlin-based embedded lending provider Banxware as part of the fintech’s latest equity round. This highlights the ambition of UniCredit to collaborate with the fintech in Germany and beyond, as part of its aim to expand lending offering to existing business customers and tap into a new customer base.   Banxware currently enables 30 platforms in Germany and the Netherlands to offer financing to their business customers, closing a crucial gap in the underserved long-tail SME market. Customers are platforms like Worldline (Payone), JustEat Takeaway (Lieferando), Qonto, SumUp, Agicap, and others. Business customers can effortlessly obtain financing quickly and easily, right where they manage their business activities.   As part of UniCredit Unlocked objectives, UniCredit is supporting direct investments in companies that can accelerate its transformation journey. The Group is focusing on players with state-of-the-art technology, which provide digital capabilities and deploy new business models to better serve clients and attract new ones, improve internal practices and accelerate the achievement of targets.   The transaction has been managed by the new Strategic Investment Team, part of Group Strategy & ESG, which explores investment opportunities.   Fiona Melrose, Head of Group Strategy & ESG at UniCredit, said: “This investment underlines our ambition to further enhance the Group’s technological and digital drive to the benefit of our customers. With Banxware’s financing solutions we can broaden our lending proposition and complement our existing offering for SME clients, also gaining access to a new customer base. Partnerships of this kind, that could be extended to other geographies, always offer opportunities to exchange ideas, learn from each other and jointly develop new areas of business.”     Milan, 30 November 2023   Contacts: Media Relations e-mail: MediaRelations@unicredit.eu Investor Relations e-mail: InvestorRelations@unicredit.eu

Within the UniCredit S.p.A. (the “Company” or “UniCredit”) share buy-back programme communicated to the market on 30 October 2023 and initiated on the same date, as per the authorisation granted by the Shareholders’ Meeting of the Company held on 27 October 2023 (the “First Tranche of the Buy-Back Programme 2023”) – on the basis of the information received from Goldman Sachs International as intermediary in charge of executing, in full independence (so-called “riskless principal” or “matched principal”), the First Tranche of the Buy-Back Programme 2023 – UniCredit informs, pursuant to art. 2, paragraph 3, of the Delegated Regulation (EU) 2016/1052, that it has carried out the transactions indicated below.   The chart below provides aggregate details of the daily purchases of UniCredit ordinary shares (ISIN IT0005239360), made from 20 to 24 November 2023.   Summary of purchase transactions from 20 November 2023 to 24 November 2023 Date Type of transaction Aggregated volume Weighted average price (Euro) Trading venue 20 November 2023 Purchase 197,083 25.2871 MTA 21 November 2023 Purchase 1,157,946 24.8585 MTA 22 November 2023 Purchase 786,755 24.8310 MTA 23 November 2023 Purchase 1,700,000 24.9010 MTA 24 November 2023 Purchase 1,500,000 25.0792 MTA   Total 5,341,784 24.9458     The details of all the purchase transactions carried out in the period indicated above are available in Excel format at www.unicreditgroup.eu (“Press & Media” / “Press releases”).   As of 24 November 2023, since the launch of the First Tranche of the Buy-Back Programme 2023, UniCredit purchased no. 30,327,908 shares for a total consideration of Euro 728,973,147.80. As of the same date, following the cancellation of the treasury shares on 12 September 2023, UniCredit holds a total of 44,387,573 treasury shares equal to 2.49% of the share capital.    

  Following the communication received from The Bank of Italy in relation to its methodological review of Italian banking groups, UniCredit’s O-SII (other systemically important institutions) capital buffer is 1.50 per cent from 1 January 2024.   There is no impact on UniCredit's 2023 or future shareholder distribution ambitions, funding plan or capital targets.   As of 30 September 2023, UniCredit's capital ratios on a consolidated basis stood at:   •         17.19 per cent CET 1 ratio, fully loaded •         17.50 per cent CET 1 ratio, transitional •         19.17 per cent Tier 1 ratio, transitional •         22.24 per cent Total Capital ratio, transitional   Milan, 24 November 2023     Contacts Media Relations: e-mail MediaRelations@unicredit.eu Investor Relations: e-mail InvestorRelations@unicredit.eu