Over the past five years, UniCredit Unlocked released the trapped potential within our organisation, allowing us to move from laggard to leader and set a new benchmark for European banking. With 20 consecutive quarters of quality, profitable growth, unmatched efficiency and sector‑leading distributions, we are now ready to enter our next chapter: UniCredit Unlimited.
In this new phase, we build on our structural advantages, strengthen our commercial momentum and push our quality growth trajectory further — supported by targeted initiatives across people, products, technology and distribution.
A Clear Roadmap for the Future
UniCredit is now optimally positioned to act as the leading pan‑European bank, with a unique model that combines 13+1 empowered local banks and a unified Group strategy. Our distinctive mix of scale, diversification and execution discipline gives us a strong competitive edge, enabling us to deliver sustainable growth well ahead of peers.
Our Geographies
With a presence across 13+1 markets and Top‑3 positions in 90% of them, we combine stability and growth: Italy as a capital‑light engine, Germany and Austria as resilient anchors, and CEE as a high‑growth region.
Our Clients
Serving more than 20 million clients across Europe, we provide personalised support through a seamless omnichannel model — from branches and remote advisory to digital platforms like buddy, already serving 800,000 clients and expected to reach 2 million by 2028.
Our Business & Product Factories
Our three global factories — Corporate, Individual and Payment Solutions — deliver best‑in‑class, capital‑light products that generate over 90% of Group Fees & Net Insurance, strengthening our value creation and client offering.
Our Financial Ambition
With UniCredit Unlimited, we shift decisively from unlocking potential to scaling sustainable quality growth.
We target:
- ~€27.5bn Net Revenue by 2028 and directionally >€29bn by 2030
- ~€13bn Net Profit by 2028, with RoTE >23%
- €30bn ordinary distributions in the next three years, with further upside from excess capital
- A cost base ~€9.2bn in 2028, trending below €9bn post‑2030
These ambitions build on our strong momentum after record FY25 results and a structurally more resilient business model.
Commitment to Sustainability
Sustainability is embedded in everything we do. Our ESG framework guides our lending, investments, operations and client engagement, supported by a clear Net Zero roadmap and strong community initiatives through the UniCredit Foundation.
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