Following the communication received from the ECB in relation to the 2025 Supervisory Review and Evaluation Process (SREP), UniCredit's Pillar 2 Capital Requirement (P2R) remains at 200 basis points1.   From 1 January 2026 UniCredit will respect the following capital requirements on a consolidated basis:   10.24 per cent CET1 ratio 12.11 per cent Tier 1 ratio 14.61 per cent Total Capital ratio The above capital ratios include the Combined Buffer Requirement to be met with CET1 instruments, composed by 2.50 per cent Capital Conservation Buffer (CCB), 1.25 per cent O-SII buffer2, 0.50 per cent Countercyclical Capital Buffer (CCyB) and 0.36 per cent Systemic Risk Capital buffer (SyRB)3   As of 30 September 2025, UniCredit's capital ratios on a consolidated basis stood at:   14.76 per cent CET1 ratio 16.46 per cent Tier 1 ratio 19.09 per cent Total Capital ratio     Milan, 30 October 2025   Contacts:  Media Relations e-mail: MediaRelations@unicredit.eu Investor Relations  e-mail: InvestorRelations@unicredit.eu     1 Pursuant to CRD V Art. 104a, banks shall meet the Pillar 2 Capital Requirement (P2R) with at least 75% of Tier 1 capital and at least 56.25% of Common Equity Tier 1 (CET1) capital. 2 Following a recent communication from Bank of Italy on the identification of UniCredit as an Other Systemically Important Institution (O-SII), the capital buffer required from 1 January 2026 will be 1.25 per cent, down from current 1.50% per cent. 3 CCyB and SyRB calculated according to the exposures and requirements as of 30 September 2025. These buffers are recalculated on a quarterly basis and therefore could vary accordingly.

  UniCredit has received ECB authorization to acquire a direct stake in Alpha Bank S.A. (“Alpha Bank”) of up to 29.9%. This approval underscores once more UniCredit's financial strength and regulatory compliance.   Approval by the National Competent Authorities of the indirect qualifying holding of UniCredit in the regulated entities of the Alpha Bank Group is pending (“Remaining Regulatory Approvals”).   In line with the requested authorization by the ECB, UniCredit has entered into additional financial instruments, increasing its aggregate position in Alpha Bank to c.29.5%.   The increase in exposure has been performed at a discount to prevailing market prices and combined with the execution of a hedge to protect part of the combined stake from downside at favorable financial conditions, hence only marginally affecting the return of the investment. The capital impact in case of the potential full conversion of the financial instruments to reach a direct stake of c.29.5% remains at around -80 bps of CET1 ratio as previously communicated.       After receiving all the remaining regulatory approvals, 9.8% of the stake currently held by UniCredit will be equity consolidated bringing an equivalent amount of Alpha Bank net profit to both UniCredit revenue and net profit lines. The related capital absorption of the 9.8% stake that is equity consolidated is not significant.   The decision as to whether and when to convert and consolidate the remaining Alpha Bank stake held via derivative financial instruments will be made in the future assessing the trade-off between return and profit contribution on one side and capital impact and distributions on the other. A similar approach applies to the additional 3% stake in Commerzbank held through derivative financial instruments. UniCredit will continue to be guided in its actions by the best interest of its shareholders.   UniCredit believes in the positive prospects of the Greek economy and banking sector. The successful partnership with Alpha Bank allows the two groups to capitalize on their respective strengths and further increase their collaboration into payments, specialized financing services, advisory, capital markets, asset management and insurance products, allowing Greek clients to have access to best in class and innovative products and UniCredit to leverage its product factories while accounting for a significant share of Alpha Bank net profits going forward.    Milan, 30 October 2025     Contacts:  Media Relations e-mail: MediaRelations@unicredit.eu Investor Relations  e-mail: InvestorRelations@unicredit.eu

  Milan, 27 October 2025 – 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 23 October 2025 to 24 October 2025.  

  Milan, 23 October 2025 - UniCredit S.p.A. (the “Company” or “UniCredit”) announces, as per the authorisation granted by the Shareholders’ Meeting held on 27 March 2025, that it has defined the measures for the execution of the second and last tranche of the share buy-back program to be paid out for the financial year 2024 for a maximum amount of Euro 1,774,462,057.30 and for a number of UniCredit shares not exceeding 82,494,835 (the “Second Tranche of the SBB 2024 Residual”).   For the purpose of executing the Second Tranche of the SBB 2024 Residual, UniCredit engaged J.P. Morgan SE as qualified third-party broker (the “Broker”), which will decide on the stock purchases in full independence, also in relation to the timing of the transactions and in compliance with the daily price and volume limits and the terms of the programme (so-called “riskless principal” or “matched principal”).   The Second Tranche of the SBB 2024 Residual has the following features:   purposes and procedures according to which the purchases may be made: the Second Tranche of the SBB 2024 Residual will be implemented for the purposes set forth in Article 5, paragraph 2, letter a) of Regulation (EU) 596/2014 (the “MAR”) and the individual purchases shall be made in compliance with Article 132 of the Italian Consolidated Financial Act, Article 144-bis of CONSOB Regulation no. 11971/99, as well as in compliance with Article 5 of the MAR and Delegated Regulation (EU) 2016/1052; maximum amount in cash allocated to the Second Tranche of the SBB 2024 Residual and maximum number of shares to be purchased: the purchases will be made, also partially and in one or more transactions, for a total expenditure up to Euro 1,774,462,057.30 and, in any case, not exceeding no. 82,494,835 UniCredit shares (the latter equal to approximately 5% of UniCredit share capital at the date of this press release); duration of the Second Tranche of the SBB 2024 Residual: the purchases will start on 23 October 2025 and, pursuant to the mandate granted to the Broker, it is envisaged that the purchases may be completed indicatively by February 2026; minimum and maximum price: the purchases must be made in accordance with the limits set out by Delegated Regulation (EU) 2016/1052, it being understood that the purchase price cannot diverge downwards or upwards by more than 10% from the official price that will be registered by the UniCredit share in the trading session of Euronext Milan, organised and managed by Borsa Italiana S.p.A., on the day prior to the execution of each individual purchase transaction; exchange: the purchases will be made on Euronext Milan, organised and managed by Borsa Italiana S.p.A. The transactions completed will be disclosed to the market in accordance with the terms and conditions set out in the laws and regulations in force.   Any subsequent changes to the Second Tranche of the SBB 2024 Residual will be promptly disclosed to the public in the manners and terms provided for by the laws and regulations in force.   The UniCredit shares that will be acquired as part of the Second Tranche of the SBB 2024 Residual will be cancelled in execution of the resolution of the abovementioned Shareholders’ Meeting.   For further details, please refer to the Directors’ Report to the Shareholders’ Meeting of 27 March 2025, available on the Company’s website (www.unicreditgroup.eu/agm27march2025) and on the website of the authorized storage mechanism "eMarket STORAGE" managed by Teleborsa S.r.l. (www.emarketstorage.it/en).     Contacts: Media Relations e-mail: MediaRelations@unicredit.eu Investor Relations e-mail: InvestorRelations@unicredit.eu  

  On 21 October 2025 the Board of Directors of UniCredit S.p.A., having fulfilled the requirements set forth in Article 2433-bis of the Italian Civil Code, and on the basis of Company's balance sheet as at 30 June 2025, approved a resolution to distribute an interim dividend to shareholders on the 2025 results, for a total amount of 2,171,674,000 euro, equal to a "per share" amount for each of N° 1,520,494,371 outstanding and having the right shares at 20 October 2025 and, therefore, also deducting the N° 27,505,165 of the treasury shares in portfolio at the same date, of 1.4282 euro (DPS), gross of any withholding tax established by law.    The interim dividend will be paid, in accordance with the applicable laws and regulations, on 26 November 2025, with the "ex-dividend date" on 24 November 2025 (coupon N° 11), through the intermediaries participating in the settlement service (Monte Titoli). The shareholders entitled to receive the interim dividend will be those with evidenced ownership at the end of the day 25 November 2025 (record date).   Subject to what is stated above, own shares purchased by the Bank after the 20 October 2025 and held in the treasury shares portfolio at the record date, are not entitled to receive the interim dividend, which will be allocated to the Statutory Reserve.   The Directors' report and the Company report of UniCredit S.p.A. as at 30 June 2025, to which refer for further information, are available to the public on the Company's website www.unicreditgroup.eu/en/investors/equity-investors/dividends.html and on the website of the authorized storage mechanism "eMarket STORAGE" managed by Teleborsa S.r.l. (www.emarketstorage.it/en).   These documents, together with the opinion of the Independent Auditors, are also available, for shareholders' consultation, at the Company's registered Office in Milan till the approval of the current annual financial statements.   Milan, 22 October 2025       Contacts: Media Relations e-mail: MediaRelations@unicredit.eu Investor Relations e-mail: InvestorRelations@unicredit.eu