Our manifesto

We believe in Europe's potential.

Uniting behind a vision of a better bank and a better future. A transformation for our clients, our people, and our communities. Demonstrating what it means to be the bank for Europe’s future.
For everyone, everywhere.

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Financial highlights

2023 was a record-breaking year for UniCredit and another milestone in our journey to be the bank for Europe’s future.

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Growing Net Profits
Net Profit +54% y/y
(Continuing to invest in the future and expensing €1.1bn of integration costs)
Quality Growth
Net Revenue +26% y/y
(Gross Revenue +17%)
Operational Excellence
Cost/Income -7.2 p.p.
(Absolute costs -1%)
Capital Efficiency
Organic Capital Generation €12.0bn
(Net Revenue/RWA 7.9%)
Chairman's facing the camera
The world may be uncertain, but our vision for UniCredit has never been clearer."Read the Chairman's Letter
Man standing
2023 was a remarkable year and the product of three years of transformation. There will no doubt be challenges ahead in 2024, but I am confident in the direction our bank is taking."Read the CEO's Letter

Our UniCredit Unlocked strategy

UniCredit UniCredit Unlocked is a unique strategy which delivers for the present while transforming our bank for the future.

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Red light wave visual abstract

UniCredit Unlocked: Our progress in 2023

Discover how we've progressed against our UniCredit Unlocked plan across the following areas.

People & Culture

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Digital & Data

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Download the report

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Integrated Report

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UniCredit Foundation

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