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Our sustainable value creation

Our Sustainable value creation

Value creation for UniCredit means more than just generating financial value. It means creating sustainable value in terms of human capital, society and the environment over time, by listening and responding to the real needs of our customers and our stakeholders. There are five capitals to achieve sustainability: financial, human, social and relationship, natural and intellectual.

Our Group interacts with the external environment through rules and governance. Our business model is fueled by five capitals and combines traditional banking activity with corporate citizenship and philanthropy. The interaction between UniCredit and the external environment relies on stakeholder engagement, crucial to understand what is important to our stakeholders.

Stakeholder listening enables us to detect risks, opportunities and changes in the external environment, to address them when we define our strategy. This process is illustrated in the materiality matrix.

As a result of our approach and by means of our business model, we contribute to achieving the United Nations' Sustainable Development Goals (SDGs). We monitor our progress towards SDGs via measurable KPIs resulting from the management of material topics and related risks and opportunities.


The core of our business is to support customers and stakeholders in managing social and environmental challenges, financing their investments for a sustainable future. Our long-term view is fully integrated into our business and decision-making process, as outlined in our strategic Sustainability Targets. These will be achieved by involving all business structures, under the guidance of our Board of Directors and senior management.



Capitals as resources for value creation in our strategy

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.


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 capacit




Social and relationship Capital

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



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.






Natural Capital

Earth's natural resources and the ecosystem services that result from them make human life possible.  




Sustainability Strategy