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Group Results
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Materials
- PDF | 4Q25 Market Presentation (4.88mb)
- PDF | 4Q25 Press Release (1.04mb)
- PDF | 4Q25 Fixed Income and ESG Presentation (2.08mb)
- XLSX | 4Q25 Divisional Database (1.20mb)
Materials Archive
Contacts
"UniCredit delivered again record growth and profitability for 2025 reaching €10.6 billion of net profit, up 14% versus last year, and an impressive RoTE of 19.2%, marking 20 consecutive quarters of disciplined profitable capital generative growth and beating our own expectations. This was achieved notwithstanding extraordinary charges of €1.4 billion in the year, frontloaded to further strengthen the medium-term trajectory. We concluded the year with a robust CET1r of 14.7% and a leading shareholder distribution of €9.5 billion, of which €4.75 billion cash dividends. We retained a best-in-class operational efficiency at 38%. Our ambition is consistently delivering outperformance in profitable, capital generative growth and distributions, and we are confident that we can sustain this trajectory in the coming five years.
Looking ahead, the combined strength of our empowered people, enhanced product factories, superior omnichannel delivery, and accelerating digital data and AI capabilities supports our ambition to aim to deliver a highly attractive profitable capital generative growth leading to circa €13 billion in net profit and above 23% RoTE in 2028, further improving from there into 2030. We remain focused on disciplined execution through the cycle and are excited about what the future holds for UniCredit, our investors, clients, people and communities."
Andrea Orcel, Chief Executive Officer of UniCredit S.p.A.
Our Strategy: UniCredit UnlIMITED
UniCredit Unlimited is our plan to build on the foundations laid by Unlocked and redefine what UniCredit can be. It marks our transition from unlocking trapped potential to accelerating quality growth, operational excellence and sustainable value creation. This is how we will shape the bank for Europe's future, one that leads the sector, delivers for all stakeholders and empowers people, businesses and communities across Europe to progress.
