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Our Capitals




In the process of creating value at UniCredit, we carefully manage different kinds of capital to increase and reinforce them over time. We understand that we do this on behalf of the economic system and the society, for today and also for the future.


Financial Capital


Financial resources obtained from external providers and generated by our bank's activity, that are used to support clients' business and bank operations for the medium-long term.





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Social and relationship Capital


Close relations with our main stakeholders create long-term value and support individual and collective growth.


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Human Capital


The alignment of UniCredit colleagues with our corporate values, core proficiencies, compliance and risk management policies; their ability to understand, develop and implement our Group's strategy; their abilities to lead, manage and collaborate in alignment with our governance; and their richly diversified skills, capabilities, experience and innovative capacity.


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Workplace policies


Natural Capital

Earth's natural resources and the ecosystem services that result from them make human life possible. The Bank's activities create an impact on natural capital that must be monitored and limited.


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Intellectual Capital


Innovation-related capabilities from which future economic benefits are expected. In UniCredit's case, it includes information and communications technology systems, our internal process framework and innovation processes.




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Updated on 02 April 2019.