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Sustainability Strategy

We are a simple, successful, Pan-European commercial bank, with a fully plugged-in Corporate and Investment Bank (CIB). 

Team 23 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. Ethics and Respect: Do the right thing! is the statement that perfectly represents the values and principles on which our banking activity is based and which leads to the concrete results achieved. Our people's enormous effort has been essential for these achievements and is a constant proof of belonging to One Team, One UniCredit. It is after them that our strategic plan has been named: Team 23.


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.

This commitment was demonstrated in November 2019 with a set of 2023 sustainability targets fully integrated into business strategies.

Sustainability is part of our DNA

UniCredit's commitment to sustainability was presented by our CEO in November 2019.

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.


In July 2020, UniCredit decided to further enhance the governance of ESG aspects and embed them in the strategy by strengthening the former sustainability function and creating a structure fully dedicated to ESG Strategy and Impact Banking. A new senior leader, also member of the Executive Management Committee, was hired to cover this position. A long-term journey aimed at defining a new ESG strategy was launched and represents a key component of a wider ongoing strategic review. 


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.