Overview
Delivering excellence
The strongest performance in our Bank’s history
2024 record results crowning 16 consecutive quarters of quality profitable growth. All our geographies and product factories demonstrated superior execution and beat all targets we set in 2021. This performance balances excelling in the short term and preparing for the future and is a testament to the dependability of UniCredit and its people.
Our Culture, Principles and Values
Our Group has created a new benchmark for banking, keeping our clients at the centre and unlocking the potential of our people.
Our Values
Integrity
- We act in the best interest of our customers
- We are honest, straightforward and transparent
- We do the right thing – even when no-one is watching.
Ownership
- We deliver on our promises and take accountability for our actions and commitments
- We are empowered to make decisions and learn from failure
- We speak up – to express an idea, an opinion, or when we see something wrong.
Caring
- We care about our customers, communities and each other
- We are eager to help one another and for our people to thrive
- We treat each other with respect and value our differences.
Our Culture
Our Culture is key to our success in unifying and inspiring our people, driving them to work as a team and achieve excellence in the right way. Our Culture network is fuelled by passion and enthusiasm, spreading positive cultural change throughout UniCredit.
Collectively, we are building the Bank for Europe’s future, as one team of people acting as true partners to our clients. A better Bank, creating better outcomes: strongly grounded in the right Principles and Values; and delivering sustainable, quality growth and value.
Our Purpose
Empowering Communities to Progress while ensuring long-term, sustainable growth and delivering value to all our stakeholders.
By operating with the right Principles and Purpose, we have the power to do tremendous good – for our clients and communities, our People, our shareholders and investors.
As the foundation of a Principle-driven organisation, we actively engage with and extensively listen to all our stakeholders equally.
Our Strategy
Over the past few years, we were committed to unlocking trapped potential and laying the foundations of a fully transformed UniCredit. UniCredit Unlocked is our unique Strategy tailored to our inherent strengths and flexible enough to adapt to a changing environment
The financial results achieved to date are a testament of scale and progress made with the holistic top‑to‑bottom industrial transformation. We are not only delivering excellent results, but more importantly we are producing the right kind of results.
We’re now entering the next phase, where we’ll evolve, not change, our Strategy. UniCredit Unlocked will maintain the same unifying Vision, Culture and inspiring Purpose, while the focus of the Strategy will be on Unlocking Acceleration to unleash our full potential and widen the competitive gap further to herald a new era of sustainable growth.
Financial levers
We deploy three levers to deliver sustainable quality financial growth:
Quality growth
Focusing on capital light growth and quality lending while maintaining discipline in origination.
Operational Excellence
Simplification and streamlining to target efficiencies and optimisation while continuing to invest in the future.
Capital Excellence
Considered capital allocation and active portfolio management to ensure sustainable, best-in-class organic capital generation.
Commitment to Sustainability
At UniCredit we are committed to embedding Sustainability in everything we do.
We lead by example, which is why ESG (Environmental, Social and Governance) is at the heart of our strategic framework.
