Reports
UniCredit Integrated Report

UniCredit's 2019 Integrated Report describes how the bank creates sustainable value that has a positive impact on society by supporting the advancement of local communities, the competitiveness of enterprises and the well-being of individuals.
UniCredit has prepared this document of financial and non-financial performance in compliance with the requirements of Articles 3 and 4 of Legislative Decree 254/2016, which implements European Directive 2014/95/EU in Italy. In addition, the Report is part of UniCredit's principled effort to further develop its compliance with the European Commission's Guidelines on non-financial reporting and advance understanding of all aspects of its business. The guidelines adopted for the preparation of the sustainability information included in the 2019 Integrated Report, including the Supplement, are the "GRI Sustainability Reporting Standards" and the "Financial Services Sector Disclosures," issued, respectively, in 2016 and 2013 by the GRI - Global Reporting Initiative. The principles contained in the International <IR> Framework, published in December 2013 by the International Integrated Reporting Council (IIRC), were also used as reporting framework.
With reference to climate change, both scientific evidence and increasing shareholder awareness have made taking action a priority for UniCredit. Under such circumstances, UniCredit has adopted the recommendations issued by the Task Force on Climate-Related Financial Disclosures (TCFD). For further information concerning the actions undertaken from UniCredit in this regard, please refer to chapter Task Force on Climate-Related Financial Disclosures (TCFD) of the Integrated Report.
Interactive Sustainability Graphs
This interactive chart displays a selection of sustainability indicators for UniCredit.
It allows users to look at trends over time and to compare data between Group companies. It is also possible to create customized graphs and charts.
The interactive sustainability tool has the following features:
- intuitive and easy use
- multiple chart types
- a wide range of statistical features broken down by timeframe and country
- data sets and charts can be displayed or downloaded as Excel spreadsheets or images
Anti corruption: percentage of employees trained in organization's anti-corruption policies and procedures
Anti money laundering: percentage of employees trained in organization's anti money laundering policies and procedures
Asset gathering: Total customer funds, including deposits, assets under management and securities under custody
Contribution to community: includes Group cash contributions and - for Italy only - time and in-kind resources. Management costs are distributed based on the contributions by focus.
Direct emissions: related to the physical operations of our offices and branches.
Indirect emissions: related to UniCredit's financing operations, such as loans and other financial services that we provide. For example, our private and corporate customers can use our financing for activities that negatively impact the environment, resulting in CO2 and other GHG emissions.
GHG emissions: any of the atmospheric gases that contribute to the greenhouse effect by absorbing infrared radiation produced by solar warming of the Earth's surface
GRI (Global Reporting Initiative): organisation made up of different stakeholders and independent institutions whose mission is to develop and disseminate guidelines for all sectors to prepare sustainability reports. Inside the note of the tool, you can see the GRI code to reference to the reporting guidelines (i.e. SO3)
MiFID (Markets in Financial Instruments Directive): directive of European Community No. 2004/39/ES dated April 21, 2004 on the markets in financial instruments. The objectives of MiFID are the introduction of unified regulations on investors´ protection all over EU and completing of the process of creation of unified conditions of competition for all the types of business systems.
People survey: main pillar of our listening initiatives. It involves all employees in every country in 16 languages, inquiring employee perceptions about topics like Leadership, Training, or Clarity of Objectives. The outcome is helpful to identify opportunities for improvement in the organization and to design and implement appropriate action plans
Rates of Absenteeism: calculated as follows: (total no. of days of absence/total working hours)*1,000. Days of absence refers to: injuries, illness, strikes and other reasons (e.g., medical controls, election days)
Rates of Injury: calculated as follows: (total no. of workplace injuries/total working hours)*1,000,000.
Rates of Lost Days: calculated as follows: (total no. of days of absence due to injuries/total working hours)*1,000
TRI*M: standardized indicator that analyzes, measures and portrays the satisfaction rate of the stakeholders towards the bank. The TRI*M Index is calculated on a scale of 0 to 100 points
Value distributed: calculated by reclassifying consolidated Income Statement items with the aim of showing how it is allocated and expressing in monetary terms the relationship between the business and the socio-economic system with which it interacts, special reference being made to its main stakeholders: employees, suppliers, public bodies and institutions, shareholders, corporate structures, community and environment
Our Capitals

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.