Unlocking...
A better bank
A better world
A better future

This year’s Annual Report is a glowing
and concrete testament of how we are unlocking a better bank.
Our key achievements and stories of this year guided
by our UniCredit Unlocked strategy and were driven by our Purpose of
empowering communities to progress.

The world may be uncertain, but our vision for UniCredit has never been clearer.

We have confronted challenges head-on and because of the proactive steps we have taken, we are primed to seize all opportunities as they arise.

UniCredit Unlocked
Strategy

UniCredit Unlocked outlined our vision to be the bank for Europe’s future. It set a new benchmark for the banking sector and we are confident that this is the right strategy for all our stakeholders.

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ESG
Strategy

In line with our ambition to be the bank for Europe's future, Environmental, Social and Governance (ESG) considerations are a core part of our Culture and mindset.

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Financial highlights

GROW

Investments

18.4bn
net

revenues.
13% Y/Y

STRENGTHEN

STRENGTHEN

FY22
CET1r

stated capital
up to 16.0%

DISTRIBUTE

DISTRIBUTE

Proposed
distribution

for 2022 at 5.25bn1, up 40%

OPTIMISE

OPTIMIZE

Strong cost
management

with CIR at 47.0%

1. Pending Shareholder and supervisory approval

Our Story, Your Story

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UniCredit
Integrated Report

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