Crediti lordi deteriorati in calo di c. 57mld grazie a una gestione proattiva e disciplinata del rischio

Notevole rafforzamento del capitale

1. For 2015 figures as shown in FY16 results. For 2017 figures as shown in FY18 results. For 2019 and 2020 figures as shown in FY20 results. P2R in 2015 at 250bps, lowered to 200bps in 2018. In 2020, P2R further lowered to 175bps (o/w 98bps to be covered by CET1, 77bps by AT1 and T2, thanks to art. 104a CRDV). 

2. Including deduction of ordinary share buyback of 179m, subject to supervisory and AGM approval. Stated CET1 ratio at 15.14% and stated MDA buffer, at 611bps.

Rigorosa disciplina sui rischi che si traduce in continui miglioramenti

Base netta dei costi ridotta di c. 20%, filiali ridotte di c. 40% 

1. For 2015 figures as shown in FY16 results. For 2017 figures as shown in FY18 results. For 2019 and 2020 figures as shown in FY20 results. P2R in 2015 at 250bps, lowered to 200bps in 2018. In 2020, P2R further lowered to 175bps (o/w 98bps to be covered by CET1, 77bps by AT1 and T2, thanks to art. 104a CRDV). 

2. Including deduction of ordinary share buyback of 179m, subject to supervisory and AGM approval. Stated CET1 ratio at 15.14% and stated MDA buffer, at 611bps.

UniCredit è ben capitalizzata.

D. Pro-forma comprensivo della deduzione dell'acquisto di azioni proprie per 467 milioni di euro, soggetto ad approvazione da parte dell'autorità di vigilanza e dell'Assemblea degli Azionisti. Rapporto CET1 dichiarato al 13,22% e buffer MDA dichiarato a 312bps.

E. Incluso l'impatto stimato di CRD5 (articolo 104a) e di Basilea 4, FRTB e CVA a pieno carico.