unicredit presentation 2022

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• Foundation Report
• UniCredit Group

Unlocking... A better bank A better world A better future

As a bank, we are committed to shaping a future for our clients and communities that is fairer, greener and more sustainable.

What we ask of ourselves, we also expect from those we work with and have set clear objectives to support our clients in their transition. 

ESG Strategy

In line with our ambition to be the bank for Europe's future, Environmental, Social and Governance (ESG) considerations are a core part of our Culture and mindset.

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UniCredit Unlocked Strategy

UniCredit Unlocked outlined our vision to be the bank for Europe’s future. It set a new benchmark for the banking sector and we are confident that this is the right strategy for all our stakeholders.

Impact on communities

Financial Capital

Human Capital

Social and relationship Capital

Intellectual Capital

Natural Capital

Our Story, Your Story

Digital & data, annual report.

Integrated Report

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• Foundation Report
• UniCredit Group

Unlocking... A better bank A better world A better future

This year’s Annual Report is a glowing and concrete testament of how we are unlocking a better bank. Our key achievements and stories of this year guided by our UniCredit Unlocked strategy and were driven by our Purpose of empowering communities to progress .

The world may be uncertain, but our vision for UniCredit has never been clearer.

We have confronted challenges head-on and because of the proactive steps we have taken, we are primed to seize all opportunities as they arise.

UniCredit Unlocked Strategy

UniCredit Unlocked outlined our vision to be the bank for Europe’s future. It set a new benchmark for the banking sector and we are confident that this is the right strategy for all our stakeholders.

Discover more

ESG Strategy

In line with our ambition to be the bank for Europe's future, Environmental, Social and Governance (ESG) considerations are a core part of our Culture and mindset.

Financial highlights

revenues. 13% Y/Y

stated capital up to 16.0%

Proposed distribution

for 2022 at 5.25bn 1 , up 40%

Strong cost management

with CIR at 47.0%

1. Pending Shareholder and supervisory approval

Our Story, Your Story

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UniCredit stock surges on record FY'22 results, higher shareholder returns

Banking Essentials Newsletter: July 24th Edition

Banking Essentials Newsletter: July 10th Edition

Enabling Growth in the EMEA Loan Market

Masters of Risk | Episode 12 - Women's Panel

• 31 Jan, 2023
• Author Erin Tanchico
• Theme Healthcare & Pharmaceuticals Real Estate Banking Fintech Insurance

UniCredit SpA will return more than € 5 billion to shareholders after delivering what it described as its best results in over a decade, sending its stock up more than 10%.

The Italian lender's full-year 2022 net profit rose to €6.46 billion from €2.10 billion in 2021. Fourth-quarter 2022 net profit was €2.46 billion, compared to a year-ago loss of €883 million, as net interest income rose 43% to €3.43 billion.

UniCredit now intends to pay out €5.25 billion through dividends and share buybacks for 2022, representing a €1.5 billion increase from a year earlier. The proposed distribution comprises €1.91 billion in dividends and €3.34 billion in share buybacks, which the group intends to commence as soon as possible following approval at the company's March 31 annual general meeting.

If the plan is approved, UniCredit will have distributed close to 60% of the target set in its 2022-2024 strategy while improving its common equity Tier 1 ratio, CEO Andrea Orcel said during the bank's Jan. 31 earnings presentation. The group intends to return at least €16 billion to shareholders through 2024 while maintaining or exceeding a CET1 ratio of between 12.5% and 13%.

While UniCredit's distribution plans have come under scrutiny from regulators, Orcel said the lender is confident of securing supervisory approval based on discussions with the European Central Bank due to its "extremely strong" organic capital generation and step up in profitability.

UniCredit generated €8.9 billion of capital organically in 2022, up 279 basis points on a yearly basis. The group's stated CET1 ratio stood at 16% at the end of 2022. Pro forma for distributions, the ratio stood at 14.91%.

Russian business

UniCredit booked a negative impact of €200 million from its Russian subsidiary on its full-year net profit, down from roughly €900 million in the first quarter of 2022. Its total gross exposure to Russia dropped to €5.3 billion from €7.4 billion over the same period.

The efforts to reduce total gross exposure between the first and fourth quarters of 2022 were impacted by an increase of €1.1 billion in the group's local exposure, mainly due to the appreciation of the Russian ruble, according to Orcel.

Orcel said there is "absolutely no change in strategy" regarding Russia and that it will continue to focus on orderly de-risking of its exposure to the country.

UniCredit's shares were 10.8% higher in early afternoon trading.

• Erin Tanchico
• Healthcare & Pharmaceuticals Real Estate Banking Fintech Insurance

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US, Japan figure skaters will finally get their 2022 Winter Olympics medals after Russia doping case

FILE - Madison Chock and Evan Bates, of the United States, reacts after the team ice dance program during the figure skating competition at the 2022 Winter Olympics, Monday, Feb. 7, 2022, in Beijing.The United States figure skating team was formally confirmed as the 2022 Beijing Olympics champion by a sports court ruling. It opens the way to the skaters getting their medals at a presentation ceremony at the Paris Summer Games. (AP Photo/Natacha Pisarenko, File)

An overview of the Trocadero venue with the Eiffel Tower in the background, in Paris, during the opening ceremony of the 2024 Summer Olympics, Friday, July 26, 2024. (Francois-Xavier Marit/Pool Photo via AP)

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Follow along for the latest updates from today’s Olympic action , including the closing ceremony .

PARIS (AP) — U.S. and Japanese figure skaters finally have a date at the Paris Olympics next week to get their Beijing Winter Games medals — exactly 2 ½ years after they earned them in a team event upended by a Russian doping case.

A presentation ceremony for skating’s team event from February 2022 will be held Aug. 7 at 5 p.m. in Paris, the International Olympic Committee said Monday.

The U.S. and Japan placed second and third behind Russia but no team skating medals were awarded in Beijing because Russian teenage star Kamila Valieva within hours was implicated in a doping case that took almost two years to judge.

The U.S. skaters formally became Olympic champions after Russian appeals seeking to regain the title were dismissed last week by the Court of Arbitration for Sport.

The medals will be awarded beneath the Eiffel Tower at the Champions Park site where VIPs watched the Paris Olympics opening ceremony.

Valieva was disqualified from the Beijing Olympics and banned for four years by a CAS panel of judges in January.

The latest round of Russian appeals challenged how the International Skating Union amended the Beijing result after the January ruling. That left the Russians in third place and Canada fourth.

It wasn’t immediately clear whether the bronze medals would also be presented in Paris. A Canadian appeal to be given the bronze is currently being judged by CAS, which held a hearing on July 22.

AP Summer Olympics: https://apnews.com/hub/2024-paris-olympic-games

Fact Checking Trump’s Mar-a-Lago News Conference

The former president took questions from reporters for more than hour. We examined his claims, attacks and policy positions.

By The New York Times

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Former President Donald J. Trump held an hourlong news conference with reporters on Thursday at his Mar-a-Lago club in Florida, during which he attacked Vice President Kamala Harris, his general election opponent, criticized the Biden administration’s policies and boasted of the crowd size at his rallies. We took a closer look at many of his claims.

Trump claims his Jan. 6 rally crowd rivaled the 1963 March on Washington. Estimates say otherwise.

“If you look at Martin Luther King, when he did his speech, his great speech. And you look at ours, same real estate, same everything, same number of people. If not, we had more.” — Former President Donald J. Trump

This lacks evidence.

Mr. Trump was talking about the crowds gathered for his speech on Jan. 6, 2021, and for the “I Have a Dream” speech the Rev. Dr. Martin Luther King Jr. delivered during the March on Washington in 1963. While it is difficult to gauge exact crowd sizes, estimates counter Mr. Trump’s claim that the numbers gathered were comparable. Dr. King’s speech drew an estimated 250,000 people . The House Select Committee responsible for investigating the events of Jan. 6 estimated that Mr. Trump’s speech drew 53,000 people.

“She wants to take away your guns.”

— Former President Donald J. Trump

Ms. Harris, in 2019, said she supports a gun buyback program for assault weapons, not all guns. Her campaign told The New York Times recently that she no longer supports a buyback program.

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Peter Baker

“They take the strategic national reserves. They’re virtually empty now. We have never had it this low.”

This is exaggerated..

President Biden has indeed tapped the Strategic Petroleum Reserve to try to mitigate gasoline price increases , drawing it down by about 40 percent from when he took office, and it is currently at the lowest level since the 1980s. But it still has 375 million barrels in it now , which is not “virtually empty” nor is it at the lowest level ever.

“The vast majority of the country does support me.”

Mr. Trump never won a majority of the popular vote in either of the elections he ran in and never had the approval of a majority of Americans in a single day of Gallup polling during his presidency. An average of polls by FiveThirtyEight.com shows that he is viewed favorably by just 43 percent of Americans today and has the same level of support in a matchup against Vice President Kamala Harris.

Alan Rappeport

“They’re going to destroy Social Security.”

President Biden and Vice President Kamala Harris have pledged not to make any cuts to America’s social safety net programs. Mr. Trump suggested this year that he was open to scaling back the programs when he said there was “a lot you can do in terms of entitlements in terms of cutting.” He later walked back those comments and pledged to protect the programs. But if changes to the programs are not made, the programs’ benefits will automatically be reduced eventually. Government reports released earlier this year projected that the Social Security and disability insurance programs, if combined, would not have enough money to pay all of their obligations in 2035. Medicare will be unable to pay all its hospital bills starting in 2036.

Coral Davenport

“Everybody is going to be forced to buy an electric car.”

While the Biden administration has enacted regulations designed to ensure that the majority of new passenger cars and light trucks sold in the United States are all-electric or hybrids by 2032, the rules do not require consumers to buy electric vehicles.

“Our tax cuts, which are the biggest in history.”

The $1.5 trillion tax cut, enacted in December 2017, ranks below at least half a dozen others by several metrics. The 1981 tax cut enacted under President Ronald Reagan is the largest as a percentage of the economy and by its reduction to federal revenue. The 2012 cut enacted under President Barack Obama amounted to the largest cut in inflation-adjusted dollars: $321 billion a year.

“They’re drilling now because they had to go back because gasoline was going up to seven, eight, nine dollars a barrel. The day after the election, if they won, you’re going to have fuel prices go through the roof.”

The price of gasoline reached a low of $1.98 per gallon in April 2020, when Mr. Trump was president, chiefly as a result of the drop in driving in the first months of the Covid pandemic. It rose to a peak of $5 per gallon in June 2022, but has since steadily dropped to $3.60 per gallon in July 2024. The United States has steadily increased its oil production over the last decade, becoming the world’s largest producer of oil in 2018, a status it still holds today .

“If you go back and check your records for 18 months, I had a talk with Abdul. Abdul was the leader of the Taliban still is, but had a strong talk with him. For 18 months. Not one American soldier was shot at or killed, but not even shot at 18 months.”

Mr. Trump spoke with a leader of the Taliban in March 2020. In the 18 months that followed, from April 2020 to October 2021, 13 soldiers died in hostile action in Afghanistan.

“Democrats are really the radical ones on this, because they’re allowed to do abortion on the eighth and ninth month, and even after birth.”

No state has passed a law allowing for the execution of a baby after it is born, which is infanticide. Moreover, abortions later in pregnancy are very rare: In 2021, less than 1 percent of abortions happened after 21 weeks’ gestation, according to a Centers for Disease Control and Prevention report based on data from state and other health agencies. More than 90 percent of abortions happened within 13 weeks of gestation.