How we create value

In 2023 UniCredit completed Unlocked’s first cycle: one that moved our Bank from a laggard to a leader, with a uniquely pan-European footprint, we have delivered overall best-in-class performance while respecting our ESG framework.

  • Input

    We have been delivering quality profitable growth across all regions and offering attractive and sustainable opportunities for our Investors while preserving capital strength and propelling the future


    Outcome 2023


    Net Profit



    Customers loans


  • Input

    We support our colleagues throughout their working lives by strengthening their competencies and promoting diversity, equity, inclusion and well-being


    Outcome 2023


    training hours per capita



    invested to ensure equal pay for equal work


  • Input

    We remain committed to generating a positive impact on communities and promoting Financial Health and Inclusion, focusing on the younger generation and education


    Outcome 2023


    Social Contributions



    Financial Education beneficiaries


  • Input

    We are intensively engaged in digitalisation to provide services based on innovative technologies and simples and safer processes


    Outcome 2023


    Growth in resources working in Agile



    Digital Global Workforce reskilled


  • Input

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


    Outcome 2023


    Environmental lending volumes since beginning of 2022



    Own GHG emissions (scope 1 and 2, market-based) vs 2021


Illustration showing value creation

Market context

We are aware of the constant evolution of the context in which we operate and the changing needs of our stakeholders.


Risk management

We use our knowledge of the external context to manage risks and capture opportunities effectively.



We will maximise the value we create through the successful execution of our strategy.



Our system of corporate governance promotes clarity and accountability while continuing to evolve to ensure long-term sustainable value.

Our Sustainable Business Model

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Market Trends

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