Faq
Can I get basic information about the Group?
You can see an overview of the UniCredit by consulting the section UniCredit at a glance.
What are the main activities of UniCredit?
An articulated corporate structure places our Group enables us to offer our customers diversified solutions and a range of quality products and services capable of meeting any possible need.
Does UniCredit have a system of Corporate Governance?
Yes, our Group has a self-imposed code of conduct for investment brokers and belongs to the code of conduct of the banking and financial sector drafted by the ABI and to the self-imposed code of conduct of listed companies, designed to ensure transparency.
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Which countries does UniCredit operate in?
In Europe we are one of the leaders in terms of business size and we can leverage on a unique strategic positioning.
UniCredit operates in Italy, Germany, Austria, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Romania, Russia, Serbia, Slovakia, Slovenia and Turkey.
Who are the major shareholders of UniCredit?
Information about the investors with over 2% of shares are available in the Shareholders meeting page.
Where can I find up-to-date information on UniCredit's share quotations?
In this site, in the Investors section, under Share Information.
In this page you can also compare the performance of UniCredit share with those of its main competitors, both Italian and foreign.
Where can I find information about the economic-financial performance of UniCredit?
This information is available to all interested parties in the financial statement and in the first half and 1° and 3° quarterly reports, which are published in the Investors section, Financial reports page.
Institutional investors, financial analysts and rating agencies can contact our Investor Relations team by phone or e-mail.
How does UniCredit see its business social responsibility?
Sustainability is central to the mission and operation of UniCredit.
We believe that in order to perform our work well we need to adhere to well-defined principles, management targets and conduct that ultimately serve to define our identity as a Group.
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Is UniCredit listed in any sustainability indexes?
We have successfully developed a strong reputation for sustainable business practices, and we are recognized worldwide as a sustainability-driven company. This is evidenced by our inclusion in a number of majo r international sustainability indexes and rankings: Dow Jones Sustainability Index, FTSE4Good Index Series, Ethibel Sustainability Index's Excellence Global Register, oekom Research AG, Climate Disclosure Leadership.
What is UniCredit's view on investing in cryptocurrencies?
UniCredit does not currently actively invest in cryptocurrencies, neither on our clients' behalf nor on a proprietary basis. UniCredit provides advice and offers a wide range of investment products and services based on each client's individual risk profile.
In terms of general risks associated with investing in cryptocurrencies, and in particular with the purchase of virtual currencies (VCs), please note the general European Supervisory Authorities' guidelines:
- VCs are highly risky products and therefore can be unsuitable for investment, savings and/or retirement planning purposes;
- VCs and exchanges where consumers can trade are not regulated under EU law;
- Some VC exchange transactions have been subject to liquidity and / or operational problems in the past, with consumers unable to buy and sell VCs when they wanted to and / or suffering losses due to price fluctuations.
For more information, please refer to the specific European Supervisory Authorities (ESAs): for securities (ESMA), banking (EBA) and insurance and pensions (EIOPA).
Click the following link: http://www.eba.europa.eu/-/esas-warn-consumers-of-risks-in-buying-virtual-currencies
Can I get basic information about the Group?
You can see an overview of the UniCredit by consulting the page UniCredit at a glance.
What is the vision of UniCredit?
Our vision is to be "One Bank, One UniCredit". We are a simple successful pan-European commercial bank with a fully plugged in Corporate & Investment Banking, delivering our unique Western, Central and Eastern European network to our extensive client franchise.
What are the main activities of UniCredit?
An articulated corporate structure places our Group enables us to offer our customers diversified solutions and a range of quality products and services capable of meeting any possible need.
Does UniCredit have a system of Corporate Governance?
Yes, our Group has a self-imposed code of conduct for investment brokers and belongs to the code of conduct of the banking and financial sector drafted by the ABI and to the self-imposed code of conduct of listed companies, designed to ensure transparency.
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Who are the Top Managers in the Group?
Information about the Management Committee members are available in the Management page.
Where can I find the Articles of Association of UniCredit?
Information about the "Articles of Association" are available in the Articles of Association page.
Who are the major shareholders of UniCredit?
Where can I find information about the Group's equity investments?
Information about the "Articles of Association" are available in the Group legal entities page.
What is the General Meeting of the Shareholders?
The General Meeting of the Shareholders is a corporate body where shareholders decide on important matters regarding the Company, including the approval of the Accounts and the appointment of the Board of Directors.
The resolutions of the General Meeting are approved on a majority of votes. Consequently, majority decisions are binding also on shareholders who do not attend the Meeting or have voted against the resolution provided that the General Meeting was validly convened.
What are the different types of UniCredit Group Shareholders' Meetings?
The Shareholders' Meeting may be one of two types: ordinary or extraordinary.
The Ordinary Meeting approves the Accounts, appoints the Board of Directors and the Auditors and sets their remuneration. In addition, it deliberates on all matters which according to the law and to the Company's Articles of Association fall within its remit. The Ordinary Meeting must be held at least once a year, within 120 days from the end of the Company's financial year.
The Extraordinary Meeting deliberates on any amendments to the Articles of Association, capital increases and other matters which by law fall within its remit.
The special meeting of holders of saving shares appoints and removes the Joint Representative, sets his remuneration and approves any resolutions of the General Meeting of Shareholders which may cause prejudice to the rights of that class of shareholders.
Who calls UniCredit Group's meeting, how and where?
The meeting is called by the Directors, and the relevant notice must be published in the Official Journal of the Italian Republic as well as in one national daily newspaper at least 30 days prior to the date of the meeting. The notice must specify the date and venue of the meeting, the agenda to be discussed and any further information which may be useful to the shareholders in order to attend the meeting.
The notice is also published on this website, together with any relevant information on how to attend the meeting.
How are the resolutions of the Meeting validly approved?
The Ordinary Meeting may vote if at least half the holders of ordinary shares of the Company are present at the meeting (saving shares holders do not have a right to vote). The Meeting's resolutions are valid if approved by the majority of the shareholders present.
If the Ordinary Meeting does not reach the necessary quorum, it is reconvened at a later date.
The reconvened Ordinary Meeting may vote irrespective of the share of the Company's capital represented by shareholders in attendance, and its resolutions are approved by the majority of the shareholders present.
The Extraordinary Meeting is validly convened if:
- on the date of first call it is represented by at least 1/2 of the share capital
- on the date of second call it is represented by at least 1/3 of the share capital
- on the date of third call it is represented by at least 1/5 of the share capital.
At any of the above dates, resolutions are validly approved if voted by at least 2/3 of the holders of ordinary shares in attendance.
If a shareholder wishes to appoint a representative, who can receive the proxy?
The financial intermediary's letter informing shareholders of the meeting contains a section to be completed for the appointment of representatives. The proxy is valid also for any reconvened meetings. The proxy is not valid if the name of the representative has not been filled in.
Monte Titoli S.p.A., the directors, auditors and external auditors of the issuer and of its subsidiaries may not be appointed as representatives of the shareholders. Finally, it should be noted that the same person may not represent more than 200 shareholders at a meeting.
Are latecomers allowed into the meeting?
What are "electronic shares"?
From January 1, 1999 the shares of listed companies are no longer in the form of paper certificates, but are handled though the centralized electronic management system organized and operated by Monte Titoli S.p.A. (*). All shareholders' rights are backed by the accounting records of the financial intermediary (brokerage company, bank), member of Monte Titoli's network, with whom the investor has deposited his securities.
What must shareholders who still have paper certificates do?
Where are the financial reports filed?
At UniCredit Group's registered office, Central Office and on its website, as well as on Borsa Italiana's website.
When will the minutes of the meeting be published?
Are the minutes of the meeting available on-line?
Where can I find a history of UniCredit's share quotations?
On this site, in the Investors section, under Share Information > Historical figures.
Where can I find up-to-date information on UniCredit's share quotations?
In this site, in the Investors section, under Share information.
In this page you can also compare the performance of UniCredit share with those of its main competitors, both Italian and foreign.
What is your dividends policy?
Owners of either ordinary shares or savings shares have the right to a dividend once a year.
The Board of Directors recommends the amount of the dividend based on the end-of-year results (mid-March). The Board of Directors also recommends the dates for dividend and coupon payments, which are then approved at the annual shareholders meeting (end of April-beginning of March).
Further information are available in the Dividends page.
When are the results published?
The full-year results are published within 90 days of the period, while first half results are published within 75 days of the end of the period.
Those of the 1° and 3° quarterly are published within 45 days.
Where can I find information about the economic/financial performance of UniCredit?
Institutional investors, financial analysts and rating agencies can contact our Investor Relations team by phone or e-mail.
How can I get in touch with the Group Investor Relations team?
The Group Investor Relations team's phone numbers and e-mail addresses are listed under Contacts in the Investors section on this site.
How does UniCredit Group see its business social responsibility?
Sustainability is central to the mission and operation of UniCredit Group.
We believe that in order to perform our work well we need to adhere to well-defined principles, management targets and conduct that ultimately serve to define our identity as a Group.
How does UniCredit Group put into practice its attention and commitment to the territories where it operates?
We place great importance on factors of local development, and knowledge of the territory and its actors. This is why we have created the Territorial Committees.
The Committees function as advisory bodies appointed by UniCredit Group's Board of Directors. They are made up of a variable number of members from outside the Group and are chosen from among key figures in the business world, from trade associations, local independent bodies, cultural institutions, volunteer organizations and research institutes within a specific territory.
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Does UniCredit Group address the environmental impact of its activities?
We always factor issues of environmental sustainability into our strategic decisions, in spite of the fact that our business itself is rooted in the service sector and in 2000 - for the first time - we adopted an Environmental Policy, signed by our CEO, Alessandro Profumo.
Is UniCredit Group listed in any sustainability indexes?
We have successfully developed a strong reputation for sustainable business practices, and we are recognized worldwide as a sustainability-driven company. This is evidenced by our inclusion in a number of major international sustainability indexes and ratings: Dow Jones Sustainability Index, FTSE4Good Index Series, Ethibel Sustainability Index's Excellence Global Register, oekom Research AG, Climate Disclosure Leadership.