Record 4Q and FY25, beating on all operating lines, net profit and capital whilst absorbing €1.4 bn1 extraordinary charges (in the trading and integration cost lines) to strengthen and further protect the future medium-term trajectory   “UniCredit Unlocked” execution delivered 20 consecutive quarters of quality profitable capital generative growth reflecting five years of disciplined execution   Transition from “Unlocked” to “Unlimited” cemented with FY26-28 ambition building into 2030 ultimate aim: entering 2026 with strong momentum and sizable buffers, aiming to deliver a superior investment proposition accelerating towards a decade of outperformance   Best-in-class FY25 net profit growth, profitability and distributions: net profit reached €10.6 bn up 14%, RoTE 19.2% up 1.5 p.p., total distributions €9.5 bn2 up 6%, of which €4.75 bn2 in cash dividend   Boosted per share growth versus prior year: FY25 EPS at €6.89 up 20%, DPS at €3.153 up 31%, and tangible book value per share at €39.54 up 19%4   FY25 revenue at €24.5 bn and net revenue at €23.9 bn, both flat5 versus prior year despite lower interest rates impact, demonstrating resilient high-quality NII net of LLPs and strong fees & net insurance result: equity investment6 performance affected by frontloading of hedging costs   Asset quality remains healthy with 1.6% net NPEs ratio, FY25 cost of risk at 15 bps and overlays unchanged at c. €1.7 bn   Costs broadly flat versus prior year at €9.4 bn, absorbing the entire perimeter increase and investments, resulting in best-in-class cost/income ratio of 38% whilst continuing to substantially invest to support future growth   Strong CET1 ratio at 14.7%, thanks to robust FY25 organic capital generation of 382 bps absorbing the impact of €9.5 bn2 in distributions and, together with other levers, the impact of equity consolidation of certain investments. CET1 ratio FY/FY reduction entirely driven by one-off regulatory and Italian banking tax impacts   “UniCredit Unlimited” will be about growing quality market share and resetting the efficiency frontier in operational and capital excellence, further accelerating quality top line growth and doubling down on transformation all supported by continued self-funded investments in technology, data and AI   FY26 net revenue ambition >€25 bn up 5%, cost ≤€9.4 bn down 1%, net profit at c. €11 bn and >20%7 RoTE   FY28 net revenue ambition at c. €27.5 bn growing at a 5% CAGR FY25-28, costs at c. €9.2 bn decreasing at a 1% CAGR FY25-28, net profit at c. €13 bn and RoTE >23%7, resulting in a FY25-28 double digit EPS and DPS growth with a continued positive trajectory after that   Total cumulative distributions at c. €30 bn8 and c. €50 bn8 in the next three years and five years respectively excluding any deployment or return of excess capital that shall be evaluated yearly     Please refer to the General Notes and Main Definition sections at the back of this document for information regarding the financial metrics and defined terms mentioned in this press release. Ambitions on a like-for-like basis with FY25 preliminary figures restated for the intra-revenue restatements, effective from 1Q26, and subject to final evaluation. 1 Gross of tax. 2 Subject to supervisory, board of directors and shareholders’ approval. FY25 total distributions at €9.5 billion, of which €4.75 billion cash dividend - based on 50% pay-out of net profit excluding the non-distributable one-offs related to: (i) revaluation of the stakes in the life insurance joint ventures and (ii) badwill stemming from the equity consolidation of Commerzbank and Alpha Bank - of these, €2.2 billion has already been paid as interim dividend in November 2025, the remaining €2.58 billion, corresponding to a preliminary final DPS of €1.7205, will be paid according to what specified in footnote number 3. 3 FY25 DPS at €3.1487 calculated as €1.4282 interim DPS paid in November 2025, plus €1.7205 preliminary final DPS, calculated as of 6 February 2026 based on the best estimate of the expected number of shares eligible for dividend payment. The definitive final DPS will be communicated according to the ordinary procedure. The 2026 AGM is expected to be held on 31 March 2026. Hence, the expected dividend dates are: ex-dividend date 20 April 2026, record date 21 April 2026, payment date 22 April 2026.   4 Including FY24 final dividend paid in April 2025 of €1.4764 and FY25 interim dividend paid in November 2025 of €1.4282, or +11% FY/FY without it. 5 Revenues and net revenues are flat FY/FY when adjusted for circa negative €240 million trading impact related to the hedging of our strategic portfolio, booked in 4Q25, to protect and optimize its return, or down circa 1% FY/FY otherwise. 6 “Investments – including hedges” i.e. dividend line net of the hedging costs of our strategic portfolio booked in trading income. 7 From 2026, RoTE uses a Tangible Equity that progressively accrues dividends and buybacks and no longer includes the DTA TLCF adjustment. These changes better align the methodology with market practice and make RoTE more stable and comparable. 8 Distribution ambitions are calculated assuming: the current 80% ordinary payout and subject to the achievement of plan targets, including organic capital generation. Potential additional distributions from excess capital return or deployment to be assessed annually. All distributions are subject to supervisory, board of directors and shareholders’ approvals.       Andrea Orcel, Chief Executive Officer of UniCredit S.p.A. said: “UniCredit delivered again record growth and profitability for 2025 reaching €10.6 billion of net profit, up 14% versus last year, and an impressive RoTE of 19.2%, marking 20 consecutive quarters of disciplined profitable capital generative growth and beating our own expectations. This was achieved notwithstanding extraordinary charges of €1.4 billion in the year, frontloaded to further strengthen the medium-term trajectory. We concluded the year with a robust CET1r of 14.7% and a leading shareholder distribution of €9.5 billion, of which €4.75 billion cash dividends. We retained a best-in-class operational efficiency at 38%. Our ambition is consistently delivering outperformance in profitable, capital generative growth and distributions, and we are confident that we can sustain this trajectory in the coming five years. Looking ahead, the combined strength of our empowered people, enhanced product factories, superior omnichannel delivery, and accelerating digital data and AI capabilities supports our ambition to aim to deliver a highly attractive profitable capital generative growth leading to circa €13 billion in net profit and above 23% RoTE in 2028, further improving from there into 2030. We remain focused on disciplined execution through the cycle and are excited about what the future holds for UniCredit, our investors, clients, people and communities.”  

  Milan, 3 February 2026 – Within the UniCredit S.p.A. (the “Company” or “UniCredit”) share buy-back programme communicated to the market on 23 October 2025 and initiated on the same date, as per the authorisation granted by the Shareholders’ Meeting of the Company held on 27 March 2025 (the “Second Tranche of the SBB 2024 Residual ”) – on the basis of the information received from JP Morgan SE as intermediary in charge of executing, in full independence (so-called “riskless principal” or “matched principal”), the Second Tranche of the SBB 2024 Residual – 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 26 January 2026 to 30 January 2026.  

  The rating agency Standard & Poor’s (“S&P”) has today improved UniCredit SpA’s rating outlook from Stable to Positive, while affirming the Issuer Credit Rating (“ICR”) and Senior Preferred rating at ‘A-’, one notch above the Italian sovereign. This follows a positive rating action on Italy.   In S&P’s view, UniCredit ratings are supported by the bank’s solid, geographically diversified franchise across Europe, its robust earnings generation, solid liquidity, and sound asset quality.   UniCredit Group’s strong overall creditworthiness allows the assignment of Positive outlooks also to subsidiaries in Germany and Austria, which benefit from group support.   The Stand-Alone Credit Profile has been affirmed at ‘a-’, while Long- and Short-Term Resolution Counterparty Ratings have been affirmed at ‘A’ and ‘A-1’, respectively.   The Short-Term Issuer Credit Rating has been affirmed at ‘A-2’.   The full text of S&P’s press release is available on the rating agency’s website: https://www.spglobal.com/ratings/en/     Milan, 2 February 2026     Contacts Media Relations: e-mail MediaRelations@unicredit.eu Investor Relations: e-mail InvestorRelations@unicredit.eu  

  Here below UniCredit’s Financial Calendar for 2026, whose dates are subject to possible change.  

  Milan, 27 January 2026 – Within the UniCredit S.p.A. (the “Company” or “UniCredit”) share buy-back programme communicated to the market on 23 October 2025 and initiated on the same date, as per the authorisation granted by the Shareholders’ Meeting of the Company held on 27 March 2025 (the “Second Tranche of the SBB 2024 Residual ”) – on the basis of the information received from JP Morgan SE as intermediary in charge of executing, in full independence (so-called “riskless principal” or “matched principal”), the Second Tranche of the SBB 2024 Residual – 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 19 January 2026 to 23 January 2026.