Our value creation over time

With our uniquely pan-European footprint and heritage, UniCredit is the bank for Europe's future. We are creating something that is built to last, that is beneficial to all our stakeholders and that is greater than the sum of its parts.
 

OPTIMISE TODAY: DELIVER OUR SUCESS TRANSFORMATION
We are building the bank for Europe's future, putting our clients at the heart of all that we do, inspiring our people and unlocking talent. We want to do it under a common purpose: empowering communities to progress.
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ADOPTING A COMMON VISION AND THE RIGHT STRATEGY
Understanding the challenges of current and future environment and the evolving needs of our stakeholders.
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BUILD FOR TOMORROW
We are placing clients at the centre, being a stronger bank uniquely positioned to navigate macro challenges, with sustainability embedded throughout our strategy.
INPUT
OUTCOME

Financial Capital
The financial resources implemented and generated by business are used to sustain the economy, creating and distributing value.

Human Capital
We support our colleagues throughout their working lives in order to strengthen competencies, foster diversity and inclusion and improve the quality of life thanks to our welfare policies.

Social and Relationship Capital
We aim at generating a positive impact on society, investing to improve how people live and how businesses operate and strengthening the well-being and competitiveness of the countries in which we work.

Intellectual Capital
We are intensely engaged in digitalisation to provide services based on innovative technologies and simpler and safer processes.

Natural Capital
We take care of the environment promoting the shift to a low-carbon economy and containing our environmental footprint.

UniCredit Business Model
Economic value

€5.2bn
Net Profit

€432.4bn
Customer Loans

Social value

€36.5m
contributions to communities

239,000
Financial Education beneficiaries

Environmental value

14%
reduction of GHG emissions vs last year

€7.0bn
portfolio exposureA to renewable energy sector

INPUT
OUTCOME

EAD, Exposure at Default.