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4Q22 & FY22 Group Results Presentation
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"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.
>> Download our 4Q22 & FY22 Group Results infographic here
RECORD 4Q AND BEST FULL-YEAR RESULTS
IN OVER A DECADE: TRANSFORMED AND POSITIONED TO WIN
FY22
GROW: Revenue: €20.3 bn
o/w Fees* +4% Y/Y
* Incl. client hedging fees accounted within trading profit
Net revenue: €18.4 bn, +13.3% Y/Y
RETURN: Net profit: €5.2 bn
EPS: €2.50
RoTE: 10.7 %
STRENGTHEN: CET1 ratio: 16%
Cost of risk: 41 bps
Integration costs: €0.3 bn
DISTRIBUTE: Organic capital generation: 279 bps
Proposed shareholder distribution**: €5.25 bn
** distribution subject to shareholder and supervisory approvals
OPTIMISE: Cost: €9.6 bn
Cost/Income ratio: 47%
INVEST: Digital and data transformation: -35% major cyber-security incidents, 18 initiatives in Agile, data- driven organisation with +20p.p. Group banking processes under unified data governance
People: 545 FY22 digital hires, mainly tech specialists
All regions exceeding goals prove the strength of our strategic plan at pan-European level
Net Operating Profit FY22 NOP ∆vs. FY21 RoAC FY22
ITA €4.8 bn +41.0% 17.1%
GER €2.1 bn +28.1% 10.9%
CE €1.7 bn +60.5% 14.7%
EE €1.0bn +25.4% 19.3%
Evidence of a transformed bank. Well ahead of UniCredit Unlocked and protecting the future.
2022
● Centered on our clients, purpose, and profitability
● Empowered organisation with a unique pan-European footprint
● Comprehensive quality offering meeting customers' needs
● A new mindset to win the future
PEOPLE & ORGANISATION
● Delayering the organisation: -28% of structures
● Empowering people: -60% of managerial committees
● Streamlining processes: 65% delegations, enabling local decision-making
● Strong Culture and shared values
DIGITAL
● Digital and data rationalised, cyber security further improved
● Optimise existing technological machines, reclaiming core competencies
● Simplifying products, processes and operations
ESG
● Released Net Zero 2030 targets
● €11.4bn in new green lending and €4.8bn in social financing
FINANCIAL CALENDAR
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GOVERNANCE
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