FAQ: Frequently Asked Questions

Where can I get basic information about the Group?

You can find an overview of the Group by consulting the About Us section, in particular the UniCredit Company Profile.

What are the main activities of UniCredit?

An articulated corporate structure enables the Group to offer customers diversified solutions and a wide range of high-quality products and services designed to meet different financial needs. Discover more on our Strategy.
 

Which countries does UniCredit operate in?

UniCredit operates across Italy, Germany, Austria, Bosnia and Herzegovina, Bulgaria, Croatia, the Czech Republic, Hungary, Romania, Russia, Serbia, Slovakia and Slovenia, and has entered into a strategic partnership with Alpha Bank in Greece, enhancing its strong competitive position across Europe.
 

Does UniCredit have a system of Corporate Governance?

Yes. UniCredit has adopted self-imposed codes of conduct for investment brokers and listed companies, as well as the banking and financial sector code drafted by the ABI, with the aim of ensuring transparency and sound governance.

Where can I find the Articles of Association of UniCredit?

Information on the Articles of Association is available on the dedicated page of the Company's website.

Who are the Top Managers in the Group?

Information on the members of the Management Committee is available on the Management page.
 

Who are the major shareholders of UniCredit?

Information on investors holding more than 2% of UniCredit shares is available in the Shareholders structure section of the website.

Where can I find up-to-date information on UniCredit's share quotations?

Updated information on UniCredit's share price is available in the Investors section under Share Information, where it is also possible to compare performance with major Italian and international competitors.

Where can I find a history of UniCredit's share quotations?

You can access the complete historical share price data for UniCredit directly on the UniCredit website.
Visit the Investors section and navigate to Share Information → Historical Figures to view long‑term performance, past quotations, and related metrics.

What is UniCredit's dividend policy?

Holders of both ordinary and savings shares are entitled to receive an annual dividend. Each year:

• The Board of Directors proposes the dividend amount based on year‑end results (typically mid‑March).
• The Board also proposes the dividend payment dates, which are then approved at the Annual General Meeting (late April to early May).

More details can be found on the UniCredit website under the Dividends page.

When are UniCredit's results published?

UniCredit publishes its financial results according to the following schedule:

• Full‑year results: within 90 days of year‑end
• First‑half results: within 75 days of the period's end
• 1st and 3rd quarter reports: within 45 days of the end of each quarter

This ensures timely and transparent communication to shareholders, analysts, and investors. Check our Group Results page for the latest information.

Where can I find information about UniCredit's economic and financial performance?

All official financial statements, including full‑year, half‑year, and quarterly reports, are available in the Investors → Financial Reporting section of the UniCredit website.

Institutional investors, analysts, and rating agencies seeking additional insights can contact the UniCredit Investor Relations team directly by phone or email.

How can I contact UniCredit's Group Investor Relations team?

The Investor Relations team's phone numbers and email addresses are listed in the Contacts section within the main Investors area of the UniCredit website.
This team supports institutional investors, analysts, and other stakeholders seeking financial or strategic information.

Where and when is the notice of call published?

The notice convening the Shareholders' Meeting is published on UniCredit's website, on Borsa Italiana's platforms, and on the authorised storage system "eMarket STORAGE" managed by Spafid Connect S.p.A. An excerpt also appears in at least one national newspaper.
To ensure broad dissemination, UniCredit also publishes the notice in major Italian ("Il Sole 24 Ore", "MF") and international ("Financial Times", "Handelsblatt") newspapers.

Publication deadlines vary based on the agenda:

• 30 days before the meeting for the approval of financial statements and most other topics.
• 40 days when electing the Board of Directors or the Board of Statutory Auditors.
• 15 days when authorising actions in response to a public purchase offer.
   

What must Shareholders do to attend and vote at the Meeting?

To participate and vote, shareholders must ask their authorised financial intermediaries to notify UniCredit of their attendance. Eligibility is based on ownership at the end of the record date, the seventh trading day before the meeting on first or single call.

Shareholders who acquire shares after the record date are not entitled to vote.
The notification should be sent to UniCredit by the end of the third trading day before the meeting, though late notifications are accepted as long as they arrive before the meeting begins.

What is the "record date"?

The record date determines who has the right to attend and vote. Only those who hold shares as registered at the end of the record date may exercise these rights.

The right to attend the Shareholders' Meeting and the exercise of the voting right is given to those who own the shares on the basis of the accounts' records of the authorised intermediary with respect to the end of the business day of the seventh trading day before the date set for the Shareholders' Meeting.

The records (credit or debit) carried out on the accounts of the intermediary after said deadline will not be considered for the purpose of having the right to vote at the Shareholders' Meeting. 
 

Who is the company's designated proxy holder?

Under Section 135‑undecies of Legislative Decree no. 58/98, UniCredit may appoint a Designated Proxy Holder to whom shareholders can assign voting proxies.
Proxies, covering all or part of the agenda, must be submitted no later than the second trading day before the meeting and must use the official form on the Company's website. This service is provided free of charge.

Where and when are the reports on agenda items made available?

The reports are made available to the public at the registered office of the Company, on the Company's website and on the authorised storage mechanism "eMarket STORAGE" managed by Spafid Connect S.p.A. (www.emarketstorage.com) within the publication deadline provided pursuant to the items on the Agenda or by any other deadline expressly provided by law.

When are the minutes of the Shareholders' Meeting published?

The minutes must be published on UniCredit's website within 30 days following the meeting.
Within 5 days, the Company also publishes a summary of voting results, indicating:

• the number of represented shares,
• the shares for which votes were cast,
• the percentage of share capital represented,
• votes in favour, against, and abstentions.

How does UniCredit view its business social responsibility?

Sustainability is central to UniCredit's mission and operations. The Group is committed to well-defined principles, management targets and responsible conduct that shape its identity and long-term strategy.

Does UniCredit Group address the environmental impact of its activities?

Environmental sustainability issues are consistently factored into the Group's strategic decisions. ESG is embedded in the culture and stands as one of the five strategic imperatives of UniCredit Unlocked, reflecting a collective mindset grounded in shared responsibility.

Is UniCredit listed in any sustainability indexes?

Yes. UniCredit is included in several international sustainability indexes and ratings, including:

• Dow Jones Sustainability Index
• FTSE4Good Index Series
• Ethibel Sustainability Index Excellence Global Register
• oekom Research
• Climate Disclosure Leadership.

How does UniCredit support the territories in which it operates?

UniCredit has established Territorial Committees that act as advisory bodies, supporting dialogue with local stakeholders and promoting sustainable local development.

What is UniCredit's view on investing in cryptocurrencies?

UniCredit maintains a neutral stance on investments in cryptocurrencies and financial instruments with cryptocurrency underlying. 

UniCredit does not currently promote or permit direct investment in cryptocurrencies.

In some UniCredit Group geographies, clients who are enabled for investment services on domestic and international markets—and whose MiFID profile permits it—may independently invest in Exchange Traded Products (ETPs) with cryptocurrency underlyings, provided these instruments are listed on regulated markets (RMs) or multilateral trading facilities (MTFs). This activity is conducted at the client's own initiative and does not involve the provision of investment advice by UniCredit.

Also in certain geographies, certificates referencing ETPs that replicate the performance of cryptocurrencies may be made available exclusively to professional clients.