UniCredit Unpacked:
Welcome to UniCredit Unlimited. Outperforming the old and the new.

A milestone moment for our bank

We have delivered a record fourth quarter and full year, crowning 20 consecutive quarters of quality, profitable growth. These results - which you can find here - conclude five years of UniCredit Unlocked: a transformation that released our potential and took us from laggard to leader.

With this unmatched momentum, we are ready for our next phase.  

UniCredit Unlimited: Our vision

From unlocking potential to transcending the benchmark

UniCredit Unlimited marks a bold new era for our bank. A phase defined by greater ambition and a fundamental rethinking of how a European bank should operate.  

UniCredit Unlocked was about setting the benchmark and UniCredit Unlimited is about transcending it and the boundaries that constrain legacy banks. This will enable us to lead in a world of rapid technological change, sharper competition from fintechs and hyperscalers, and rising client expectations.

This is about challenging every assumption of what we can be. If we are to succeed, we can not only rely on our strength as a universal bank, we also need to operate with the agility of a fintech and the dynamism of a technology company - delivering above and beyond for our clients and stakeholders. 

Our unlimited ambition:

UniCredit Unlimited will focus on accelerating our quality top-line growth and doubling down on transformation. It is built on two key pillars:

Unlimited Acceleration: we intend to gain quality market share and grow revenues profitably faster than peers, through quality NII and Fees and Net Insurance. This is further supported by the capital light growth of the Net Income of our equity investments.  

Unlimited Transformation: In parallel, we are determined to re-set our efficiency frontier. UniCredit Unpacked focused on fixing what was inherited, streamlining and simplifying our bank. UniCredit Unlimited is about rethinking the operating model at its core, and the key enablers of this shift are technology and AI.

The pillars that will turn this strategy into delivery

To translate this ambition into action, four key levers will drive our Unlimited Acceleration.

People - our linchpin

Our people remain the engine of our success. We will continue to invest and empower them with personal growth opportunities and the skills and capabilities needed for the next phase, while continuing to attract the best talents to drive growth.

Factories - a powerful engine of capital‑light growth

We will strengthen the connectivity between our product factories and our distribution, ensuring every capability we build translates directly into meeting client needs. At the same time, we will expand our offering, internalise more of the value chain, and scale innovative solutions across our geographies.

Channels - a single, seamless client experience

Our omnichannel set-up is one of our strongest competitive advantages. We will leverage our physical, remote and digital platforms and use AI to enhance every touchpoint for our clients - improving speed, accuracy and personalisation. 

Digital & Data - pushing boundaries with AI

We are accelerating AI adoption across client service and advisory, technology and operations - and will continue to use this to deepen relationships, improve efficiency, increase speed and unlock new value.

These core levers of our strategy are how we turn scale and innovation into sustained competitive advantage and accelerate faster than ever before.

A future without limits

This bank was transformed once with UniCredit Unlocked, and we are determined to do it again. This is our moment to leap forward with UniCredit Limited and forge a new path for a new era of European banking.

Now we go further. Now we build without limits. Because We Never Settle. Because we want to Win in every scenario.

Welcome to UniCredit Unlimited.