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UniCredit Unlocked will deliver sustainable performance and profitable growth over the cycle, enabling us to reach a RoTE of at least 10% in 2024.


We will do so via a combination of three interacting levers: cost, capital and net revenue. Managing them together will mean we optimally balance growth, strength and profitability.


Cost efficiencies will provide €1.5 billion of gross costs savings, €400m of which from digital and data alone.


We will allocate capital more efficiently, differentiating between areas of lower and higher return, with a focus on capital-light revenues to maximise return on tangible equity.


We will continually drive to increase revenues, within our risk framework.  


We believe 2024 is just the starting point. UniCredit Unlocked will pave the way for long-term financial success, which is our ultimate goal.