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UniCredit Integrated Report


UniCredit's 2018 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 2018 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.


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.





See pdf




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.


See pdf


Workplace policies


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.




See pdf




Social and relationship Capital


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


See pdf


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.


See pdf


See our Natural Capital


Updated on 02 April 2019.