81.62
+6.28%
Close of 9 Nov 2026, in EUR
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About UniCredit SpA
Its shares trade on Borsa Italiana under the ticker UCG.MI. It has been listed since 1 November 2005. It is a member of the Euro Stoxx 50. In the fiscal year to 31 December 2025, it reported revenue before interest expense of €23.46bn and net income of €11.02bn. At that date it held total assets of €870.24bn and shareholders' equity of €67.71bn.
UniCredit SpA engages in the provision of banking and financial solutions. The company is headquartered in Milan, Milano. The company went IPO on 2005-11-01. Its division model is based on seven business lines: Commercial Banking Italy, Central and Eastern Europe (CEE), Corporate and Investment Banking (CIB), Commercial Banking Germany, Commercial Banking Austria and Fineco. UniCredit SpA offers banking and financial services for families, individuals and corporate clients, such as accounts, loans, mortgages, investments, wealth management, as well as financial advice and insurance products, among others. Through numerous subsidiaries, the Company operates in the domestic market, Germany, Austria and CEE.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 1 Nov 2005
- Employees
- 84,245
- Website
- unicreditgroup.eu ↗
Leadership
Pay as last reported
- Prof. Pietro PadoanIndependent Non-Executive Chairman of the Board€968,349
- Mr. Andrea OrcelChief Executive Officer, Head of Italy, Executive Director, since 2021€3.3m
- Ms. Elena CarlettiIndependent Non-Executive Deputy Chairman of the Board€323,800
- Mr. Stefano PorroChief Financial Officer
- Mr. Gianfranco BisagniGroup Chief Operating Officer
- Mr. Ali KhanGroup Digital and Information Officer
- Ms. Serenella De CandiaGroup Compliance Officer
- Mr. T J LimGroup Risk Officer
- Mr. Richard BurtonHead of Client Solutions
- Ms. Joanna CarssHead of Group Stakeholder Engagement
- Ms. Marion HoellingerHead of Germany
- Ms. Rita IzzoHead of Group Legal
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 82
- Environment
- 88
- Social
- 66
- Governance
- 91
- Direct emissions (scope 1)
- 26,072 t
- Energy emissions (scope 2)
- 100,555 t
- Value chain emissions (scope 3)
- 29,683 t
- Women in the workforce
- 57.58%
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- UniCredit SpA boasts a strong market presence and is one of the leading banking institutions in Europe. With a wide network of branches and subsidiaries, it has established a global footprint, enabling it to tap into diverse markets and customer segments.
- The company's robust financial position and well-diversified revenue streams provide stability and resilience in the face of economic downturns. UniCredit's extensive range of financial products and services caters to both retail and corporate customers, enhancing its competitiveness in the market.
Weaknesses
- UniCredit SpA faces significant challenges in reducing its non-performing loan portfolio, which has adversely impacted its profitability and capital adequacy ratios. The high level of bad loans increases credit risk and requires resource-intensive recovery and provisioning efforts.
- Moreover, the bank's reliance on traditional brick-and-mortar branches poses a weakness in an increasingly digital banking landscape. UniCredit must invest in modernizing its digital infrastructure and channels to remain competitive and meet evolving customer expectations.
Opportunities
- The digitization of financial services offers UniCredit SpA an opportunity to drive operational efficiency, improve customer experience, and tap into new revenue streams. By leveraging technology, the bank can enhance its online and mobile banking platforms, expand digital offerings, and reach a wider customer base.
- Additionally, UniCredit can explore strategic partnerships or acquisitions to boost its market presence and expand into new markets. Collaborations with fintech companies can enable the bank to leverage innovative technologies and enhance its product portfolio.
Threats
- One of the major threats for UniCredit SpA is the intense competition in the banking industry, both from traditional banks and emerging fintech startups. To remain relevant, UniCredit must differentiate itself by offering innovative and personalized financial solutions, while also adapting to evolving customer preferences.
- Furthermore, economic and geopolitical uncertainties can pose risks to the bank's operations, especially in regions where it has substantial exposure. Fluctuating interest rates, regulatory changes, and potential financial crises can impact UniCredit's profitability and stability, requiring effective risk management strategies.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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