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Group Results

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UniCredit delivered a record set of financial results demonstrating significant progress in our industrial transformation and our ability to drive excellent performance across the cycle.

We delivered a full year net profit of €5.2 billion, our best results in over a decade. Our growth focus, cost discipline and capital efficiency have lifted RoTE to 10.7 per cent, surpassing the UniCredit Unlocked target. This includes substantial provisions taken as well as proactive measures to enhance the existing lines of defence, reinforcing our rock-solid balance sheet and ability to weather ongoing uncertainty. We have now grown for eight consecutive quarters, clear evidence of a transformed UniCredit which has proven resilience and strength.

Double digit net revenue growth year on year was underpinned by positive commercial momentum, a supportive interest rate environment, cost reduction while investing for the future and despite unprecedented inflation, and an ongoing low cost of risk.


We ended the year with a CET1 ratio of 16 per cent boosted by our best-in-class organic capital generation.

We intend to distribute a total of €5.25 billion in dividends and share buybacks for 2022, an increase of €1.5 billion versus prior year, or on a DPS basis an increase of over 80 per cent, pending approvals.


We are meeting our commitment to shareholders for a sustainable and attractive distribution policy while maintaining our capital strength.



Our progress towards Net Zero announced today caps a year of significant evolution in our ESG journey. We will continue to serve and support our clients and communities in a just and fair transition, striving to lead by example across all components of ESG.

Finally, I want to thank all employees for their hard work and commitment. As we face 2023, UniCredit is stronger than ever, and is well positioned to succeedWe are firmly focused on executing UniCredit Unlocked and are looking to the future with confidence.


Andrea Orcel
Chief Executive Officer of UniCredit S.p.A.

Our Strategy 

UniCredit Unlocked


UniCredit Unlocked is our new strategic plan. It is a plan to unlock the potential within UniCredit to move out of a period of retrenchment and restructuring into an era of purpose, growth and value creation. This is how we will create the bank for Europe’s future - a bank that delivers for all stakeholders and is capable of unlocking the potential of people, businesses and communities across Europe and empowering them to progress.

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