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Sustainability Strategy


Our Strategic Plan clearly conveys our intention to continue building on our existing competitive advantage characterised by the unique Western, Central and Eastern European network, a strong position as the go-to bank for Small and Medium Enterprises (SMEs) and an extensive and growing customer franchise.

We are proactive in capturing commercial opportunities whilst keeping a tight rein on risk, execution and cost control.

The underlying assumption is Sustainability, showing how in UniCredit value creation means more than just generating financial values. It also means integrating sustainability into our business strategies in terms of human capital, society and environment.

Sustainability is part of our DNA


We care about execution, discipline and transparency and favour long-term sustainable outcomes over the short-term solutions. We have enhanced the social component with the geographical expansion of our Social Impact Banking (SIB) project together with a number of initiatives undertaken by the UniCredit Foundation.

Our aim is to support financial access and inclusion while creating an engaging and positive working environment.

We have already achieved some our ESG commitments and targets and are well on track for the ones remaining, again demonstrating the strategic importance that sustainability has for UniCredit and all its employees, who work as One Team, One UniCredit to achieve the success of our Group.


We are in a leadership position in the ESG global framework, and as a leader in the sustainable finance sector we are able to guide capital reallocation towards economic

activities which generate a positive impact on society. 

The way we achieve our financial results is as important as the results themselves. Sustainability is part of our DNA and we are continuing to take concrete actions to integrate ESG more fully into the core activities of our bank. UniCredit has been working on ESG topics for several years and with significant management investments. Sustainability KPIs were formally embedded in the new 2020-23 Long-Term Incentive Plan (LTIP) for the CEO, top management and other key players in the Group.


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

Support of UniCredit employees throughout their professional lives by listening to their needs, valuing their skills, implementing training programmes and development plans and promoting diversity, inclusion and welfare policies




Social and relationship Capital

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


Intellectual Capital

Invest in UniCredit information and communications technology (ICT) systems: it includes our information and communications technology systems, our internal processes and our ability to innovate in order to transform UniCredit's operating model and provide a better customer experience







Natural Capital

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