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UniCredit Integrated Report


UniCredit's 2020 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 2020 Integrated Report, including its Supplement, are the "GRI Sustainability Reporting Standards" and the "Financial Services Sector Disclosures," issued both by the GRI - Global Reporting Initiative.




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


Social and Relationship Capital
Natural Capital
Human Capital
Choose the Capital

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.  






Sustainability Strategy