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We are unlocking the potential of our stakeholders across our five capitals (financial, human, social and relationship, intellectual and natural capitals), committing to creating a positive environment based on respect, acting as engines of individual and collective growth, Empowering Communities to Progress and helping our people, our communities, and the countries in which we operate to achieve our ESG goals and to unlock their potential. We are also protecting natural capital by delivering sustainable financing solutions to clients and sustainability by reducing the environmental impacts of our direct operations, which is fostered further by our commitment to a Net-Zero future.



Our Capitals

detail of the Unicredit tower

Financial Capital


Financial resources obtained from external providers and generated by our bank's activity, that are used to support our clients' business and our bank's operations in the medium-long term. 


Our 2022-2024 Strategic Plan, UniCredit Unlocked, includes a new ambition for sustainable finance in order to deliver sustainable performance and profitable growth over the cycle. We are committed to significantly increasing shareholder returns without impacting our robust capital with a central goal to consistently deliver for the benefit of all our stakeholders.


Click here to read more about Our Financial Plan


multi-ethnic group of colleagues holding hands

Human Capital for a Sustainable Development

Support for our colleagues throughout their professional lives by listening to their needs, valuing their skills and implementing training programmes and development plans, promoting diversity, equity, inclusion and well-being.

Discover more about Human Capital for a Sustainable Development

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Social and Relationship Capital for a Sustainable Business


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


Discover more about Social and Relationship Capital for a Sustainable Business

hands touching an interactive blue screen

Intellectual Capital for a Sustainable Development


Innovation-related capabilities from which future economic benefits are expected, including ICT systems, our internal process framework and innovation process. We are committed to optimising and innovating our systems and processes to provide our clients with simple, secure and user-centric solutions that meet the needs and challenges of rapid change.


Discover more about Intellectual Capital for a Sustainable Development

bee on sunflower

Natural Capital for a Sustainable Development


The Earth's natural resources and the countless services they provide make human life possible.


The bank's activities have an impact on Natural Capital and must therefore be monitored and limited


Discover more about Natural Capital for a Sustainable Development