UniCredit Unlocked is our new strategic plan. It is a plan to unlock the potential within UniCredit to move out of a period of retrenchment and restructuring into an era of purpose, growth and value creation. This is how we will create the bank of Europe's future - a bank that delivers for all stakeholders and is capable of unlocking the potential of people, businesses and communities across Europe and empowering them to progress.
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Our purpose
UniCredit exists to empower communities to progress. To deliver for all our stakeholders across Europe and unlock the potential within each individual and community it serves.
Our business
To deliver our ambitious plan, our 13 banks across Europe will work in partnership, leveraging the strength of the collective, with a new capital light business model.
Our clients
Moving into a period of growth and value creation means keeping our focus on the people we exist to serve: our clients, spread across the communities of Europe. We will stand by them and deliver for them by ensuring we understand them, and the expectations they have of us.
Our future: Digital & Data
Over the long-term, we want to become a truly digital bank, powered by data in all we do. To deliver this ambition, we are investing close to €3 billion in digital and data over the next three years
Our future: ESG
We have an innate commitment to sustainability. We believe in action, not words, and will hold ourselves to the same standards that we seek from our clients.
Our financial plan
Our strategic plan for UniCredit is about building a bank that is financially strong and successful for the long-term.
UniCredit Unlocked will enable us to deliver a RoTE of at least 10% by 2024, annual net revenue growth of 2% 2021-2024, and above €16 billion to shareholders over four years. And 2024 is just the beginning.
Our geographies
UniCredit is composed of 13 individual banks, across 4 regions, each with their own unique strengths and incredible heritage.
UniCredit Unlocked will enable each of our banks to exceed their respective cost of equity on a standalone basis.