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2Q25 & 1H25 Group Results Presentation
"We need to streamline our business so that we can operate faster, with greater clarity, and deliver successfully for all stakeholders. This is an ambition that many aspire to but few really achieve. I believe we will be one of the few exceptions”
Andrea Orcel
Chief Executive Officer of UniCredit S.p.A.
1Q25 - Group Results - Infographic
Main Title: 1Q25 Group Results
Subtitle: The best quarter in our history
Execution of our winning strategy underpinning record results
Section 1
Title: Financial strength
Text: Outstanding performance and reinforced leadership across key areas:
Revenue growth
● 6.5bn Net Revenue (+3.2% Y/Y)
o/w 2.3bn Fees (+8.2% Y/Y)
Operational efficiency
● 35.4% Cost / Income (-0.8 p.p. Y/Y)
#1 in Europe
Profitability & distribution
● 2.8bn Net Profit (+8.3% Y/Y)
● 22.0% RoTE (+2.4 p.p. Y/Y)
● 2.8bn Accrued Distributions (100% of Net Profit)
Capital excellence
● 3.1bn OCG (113bps[1] in the quarter)
● 16.1% CET1r (+27bps Q/Q)
● 9.2% Net Revenue / RWA (+0.3 p.p. Y/Y)
Asset quality
● 1.4% Net NPEr
● 8bps CoR (-2bps Y/Y)
Section 2
Title: Structural advantages
Text: A unique pan-European franchise underpinning resilient quality growth and distribution thanks to unparalleled...
Client base
● 15m Clients across Europe
Business mix
● 3 Product Factories
Geographic footprint
● 13 Banks all over Europe
● 4 Coverage Regions
Table:
Geography |
RoAC2 |
Organic Capital Generation (OCG) |
ITA |
36.9% |
56bps |
GER |
26.3% |
28bps |
AUT |
24.4% |
13bps |
CEE |
26.4% |
22bps |
Section 3
Title: Evolving Transformation
Text: Kicking off the next phase of our strategic plan to further optimise operations and accelerate the commercial engine.
We will leverage our strengths across three key areas:
1. Geographies: Direct capital and investments in higher-growth regions.
2. Clients: Increase focus on more profitable segments - SMEs, Private & Affluent.
3. Channels: Continue to move towards an omnichannel offering, with the choice back to client
[1] Before considering the impact of new perimeter
[2] Annualised ratio between (i) Net Profit after AT1/Cashes minus excess capital charge and (ii) allocated capital.
