For the tenth consecutive year, UniCredit has been recognised as a Top Employer in Europe, with local certifications achieved by the banks in Austria, Bosnia & Herzegovina (Mostar), Germany, Italy, Romania, Serbia, and the Group’s branches in Poland and Romania.   The Certification reflects UniCredit’s ability to deliver consistent, high-performing people strategy across multiple countries, supported by scalable practices that drive business performance, employee engagement and growth.    Siobhán McDonagh, Head of Group People & Culture at UniCredit, commented: “We are proud to be recognised as a Top Employer for the 10th consecutive year—this is not just an honour, it’s a promise. A promise to keep building an environment that champions diversity, collaboration, and continuous learning. This achievement reflects the passion, talent, and commitment of our people and our shared vision of a workplace where everyone can thrive. We will continue to celebrate individuality, encourage growth, and drive collective success—because together, we can unlock a better tomorrow for all: our people, our clients, and our communities.”   Active in 131 countries/regions, Top Employers Institute is the global authority in HR certification, benchmarking and advisory. Its Programme certifies organisations based on the results of its HR Best Practices Survey which covers six domains including People Strategy, Work Environment, Talent Acquisition, Learning, Diversity, Equity & Inclusion, and Wellbeing.   Top Employers Institute CEO Adrian Seligman commented: “Being recognised as a Regional Top Employer for 2026 is a significant achievement that reflects the strength and consistency of UniCredit’s people strategy across multiple countries. Their capability to scale strategy while reflecting diverse markets demonstrates exceptional organisational discipline, leadership alignment, and a mature approach to using insights and benchmarking to drive business performance across borders. This recognition positions UniCredit as a leader across Europe, creating meaningful and measurable impact for its employees and business. We are proud to celebrate this continued commitment to HR excellence.”   The Regional Certification gives organisations access to globally benchmarked insights, data-driven recommendations, expert validation, and proven best practices to strengthen their people strategy. Certified companies benefit from enhanced employer branding, clearer strategic focus, improved decision making, and a stronger ability to demonstrate impact to leaders, boards and talent markets. They also gain opportunities to connect with a global community of certified Top Employers.   In 2025, the Programme certified and recognised nearly 2,500 Top Employers in 131 countries/regions, positively impacting over 14 million employees globally.    Milan, 15 January 2026     Contact Media Relations e mail: mediarelations@unicredit.eu

  UniCredit has always been clear that M&A is a strategic tool for the bank.   It is the role of the dedicated M&A team within the bank to look at all options, both within and potentially outside its current geographic mix.    This at any one time will involve discussions with, and assessment and analysis of the target in question, none of which is indicative of the likelihood of a transaction taking place.    The decision whether to proceed or not with any merger or acquisition is based solely on the ability of said target to not only fit with UniCredit strategy but also to fulfill our stated financial returns metrics.   In this context, the recent rumours and constant noise with regards to the MPS stake are speculative in nature and unjustified, as is the speculation regarding the alleged interest in purchasing other stakes.     It is disappointing that once again we are having to address unfounded rumours, that are now pure invention and serve no purpose other than to create noise and cause distortion in the market.      Milan, 15 January 2026     Contacts:  Media Relations e-mail: MediaRelations@unicredit.eu Investor Relations e-mail: InvestorRelations@unicredit.eu

  UniCredit and the European Investment Fund (EIF) sign one of the largest InvestEU guarantee transactions, more than doubling their existing CEE partnership. €445 million in new InvestEU guarantees will unlock up to €890 million in SME financing across seven Central and Eastern European countries by the end of 2027. Agreement expands support for SMEs investing in sustainability, innovation and digitalisation, and opens up new debt capital market opportunities.   UniCredit and the European Investment Fund (EIF), part of the EIB Group, have signed a new InvestEU guarantee agreement to significantly scale up support for small and medium-sized enterprises (SMEs) across Central and Eastern Europe.   The agreement was announced at the FT CEE Forum in Vienna, a highly influential event in the region, which gathered over 2,000 delegates from 54 countries, including political leaders, investors, policymakers and business executives shaping Central and Eastern Europe’s future.   The new €445 million guarantee increases and extends the InvestEU uncapped guarantee umbrella launched in 2023, making it one of the EIF’s largest InvestEU transactions.   Available until the end of 2027, the facility is expected to unlock up to €890 million in additional financing for SMEs in Bulgaria, Croatia, the Czech Republic, Slovakia, Hungary, Romania and Slovenia.   The expanded facility will focus primarily on sustainability and innovation-driven projects and will continue to offer SMEs improved financing conditions, including more competitive pricing, longer maturities and reduced collateral requirements.   “This transaction demonstrates how InvestEU can be deployed at scale to deliver tangible impact for Europe’s Small and Mid-sized Enterprises,” said EIF Chief Executive Marjut Falkstedt. “By significantly expanding our partnership with UniCredit, we are supporting thousands of businesses in Central and Eastern Europe as they invest in sustainability, innovation and digital transformation. The strong utilisation of the previous guarantee confirms both the demand and the effectiveness of this approach, and we are proud to support its further expansion.”   “SMEs in EU CEE employ over 65% of people in the region and deliver more than 55% of the economic value, but some of their ambitions still outpace their access to affordable finance,” highlighted Teodora Petkova, Head of UniCredit for Central and Eastern Europe. ”By extending our InvestEU partnership with EIF, we are increasing lending volumes and providing tangible benefits: better terms, longer horizons, and now access to capital markets through minibonds. This way entrepreneurs with good ideas can invest, innovate and scale faster, with fewer constraints, while boosting CEE regions growth and opportunities.”   The extended agreement introduces minibonds as an eligible financing instrument, supporting SMEs’ access to debt capital markets and diversifying funding sources beyond traditional bank lending.     Vienna, 14th January 2026   Contact: Media Relations Email: mediarelations@unicredit.eu

  UniCredit S.p.A announces that the meeting of Board of Directors set to approve the fourth quarter and full year 2025 results will be on 8 February 2026.   The Group results presentation - publication and conference call - will be on 9 February 2026.   The updated financial calendar is available on the group website: https://www.unicreditgroup.eu/en       Milan, 13 January 2026     Contacts: Media Relations e-mail: MediaRelations@unicredit.eu Investor Relations  e-mail: InvestorRelations@unicredit.eu

  Today UniCredit S.p.A. has issued Additional Tier 1 Non-Cumulative Temporary Write-Down Deeply Subordinated Fixed Rate Resettable Notes targeted to institutional investors for a total amount of EUR 1 billion.   This Additional Tier 1, part of UniCredit’s institutional MREL funding plan for 2026, improves the Tier 1 ratio by about 35 basis points.   The book building process gathered demand above EUR 4 billion from more than 220 investors globally, enabling to review downwards the guidance, initially set at 6.25% area, and to fix the coupon at 5.80%, with a reset margin of 301.3 bps, the lowest ever set by UniCredit and the lowest in the current AT1 Euro-market.   The final allocation has been mainly in favour of funds (49%), hedge funds (28%), and banks (14%), with the following geographical distribution: UK (37%), Asia (14%) Italy (10%) and France (10%).   The Notes have a 5.125% Common Equity Tier 1 (CET1) trigger - if the Group or the Issuer CET1 ratio at any time falls below the trigger level, the instrument will be temporarily written down to cure the breach, taking also into consideration other instruments with similar write down triggers, ranking pari-passu among themselves.   The securities are perpetual (with maturity linked to corporate duration of UniCredit S.p.A.) and may be called by the Issuer on any calendar day during the six-month period commencing on 3 December 2035 and ending on 3 June 2036 and thereafter on any interest payment date, subject to regulatory approval.   The Notes pay fixed rate coupons of 5.80% per annum up to June 2036 on a semi-annual basis; if not called, coupon will be reset every 5 years to the aggregate of the then 5-Years Mid-Swap rate plus 301.3 bps, calculated on an annual basis and then converted to a semi-annual rate in accordance with market conventions. In line with the regulatory requirements, the coupon payments are fully discretionary.   UniCredit Bank GmbH acted as Global Coordinator and as Joint Bookrunner together with Barclays, BNP PARIBAS, BofA Securities, Deutsche Bank, Morgan Stanley and Santander.   The notes are expected to be rated “Ba2” by Moody’s.     Milan, 12 January 2026     Contacts:  Media Relations e-mail: MediaRelations@unicredit.eu Investor Relations e-mail: InvestorRelations@unicredit.eu