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FAQ
Can I get basic information about the Group?
You can see an overview of the UniCredit by consulting the section About Us.
What are the main activities of UniCredit?
An articulated corporate structure enables us to offer our customers diversified solutions and a range of quality products and services capable of meeting any possible need.
Does UniCredit have a system of Corporate Governance?
Yes, our Group has a self-imposed code of conduct for investment brokers and belongs to the code of conduct of the banking and financial sector drafted by the ABI and to the self-imposed code of conduct of listed companies, designed to ensure transparency.
Discover more about our Corporate Governance
Which countries does UniCredit operate in?
In Europe we are one of the leaders in terms of business size and we can leverage on a unique strategic positioning.
UniCredit operates in Italy, Germany, Austria, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Romania, Russia, Serbia, Slovakia, and Slovenia.
Who are the major shareholders of UniCredit?
Information about the investors with over 2% of shares are available in the Shareholders meeting page.
Where can I find up-to-date information on UniCredit's share quotations?
In this site, in the Investors section, under Share Information.
In this page you can also compare the performance of UniCredit share with those of its main competitors, both Italian and foreign.
Where can I find information about the economic-financial performance of UniCredit?
This information is available to all interested parties in the financial statement and in the first half and 1° and 3° quarterly reports, which are published in the Investors section, Financial reports page.
Institutional investors, financial analysts and rating agencies can contact our Investor Relations team by phone or e-mail.
How does UniCredit see its business social responsibility?
Sustainability is central to the mission and operation of UniCredit.
We believe that in order to perform our work well we need to adhere to well-defined principles, management targets and conduct that ultimately serve to define our identity as a Group.
More
Is UniCredit listed in any sustainability indexes?
We have successfully developed a strong reputation for sustainable business practices, and we are recognized worldwide as a sustainability-driven company. This is evidenced by our inclusion in a number of major international sustainability indexes and rankings: Dow Jones Sustainability Index, FTSE4Good Index Series, Ethibel Sustainability Index's Excellence Global Register, oekom Research AG, Climate Disclosure Leadership.
What is UniCredit's view on investing in cryptocurrencies?
UniCredit does not currently actively invest in cryptocurrencies, neither on our clients' behalf nor on a proprietary basis. UniCredit provides advice and offers a wide range of investment products and services based on each client's individual risk profile.
In terms of general risks associated with investing in cryptocurrencies, and in particular with the purchase of virtual currencies (VCs), please note the general European Supervisory Authorities' guidelines:
- VCs are highly risky products and therefore can be unsuitable for investment, savings and/or retirement planning purposes;
- VCs and exchanges where consumers can trade are not regulated under EU law;
- Some VC exchange transactions have been subject to liquidity and / or operational problems in the past, with consumers unable to buy and sell VCs when they wanted to and / or suffering losses due to price fluctuations.
For more information, please refer to the specific European Supervisory Authorities (ESAs): for securities (ESMA), banking (EBA) and insurance and pensions (EIOPA).
Click the following link: https://www.eba.europa.eu/financial-innovation-and-fintech/publications-on-financial-innovation/crypto-assets-esas-remind-consumers-about-risks
Can I get basic information about the Group?
You can see an overview of the UniCredit by consulting the page UniCredit at a glance.
What is the vision of UniCredit?
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.
What are the main activities of UniCredit?
An articulated corporate structure places our Group enables us to offer our customers diversified solutions and a range of quality products and services capable of meeting any possible need.
Does UniCredit have a system of Corporate Governance?
Yes, our Group has a self-imposed code of conduct for investment brokers and belongs to the code of conduct of the banking and financial sector drafted by the ABI and to the self-imposed code of conduct of listed companies, designed to ensure transparency.
Discover more about our Corporate Governance
Who are the Top Managers in the Group?
Information about the Management Committee members are available in the Management page.
Where can I find the Articles of Association of UniCredit?
Information about the "Articles of Association" are available in the Articles of Association page.
Who are the major shareholders of UniCredit?
A list of investors with over 2% of shares is available on this site.
Where can I find information about the Group's equity investments?
Information about the "Articles of Association" are available in the Group legal entities page.
Notice of call: where and when it is published
The Shareholders' Meeting's notice of call is published on the UniCredit's website and also on the IT platforms of Borsa Italiana and published on the authorised storage mechanism "eMarket STORAGE" managed by Spafid Connect S.p.A.; an excerpt is published on at least one national newspaper. In order to ensure best dissemination, the Company also publishes the notice on newspapers (generally "Il Sole 24 Ore", "MF") included foreign newspapers (generally "Financial Times" and "Handelsblatt").
The deadlines for publishing the notice depend on the matters the Shareholders' Meeting has to decide upon.
More specifically, the notice of call has to be published at least 30 days before the date set for the Shareholders' Meeting for approval of the financial statements and in general for all the cases where any different deadline is provided.
If the Shareholders' Meeting is called to appoint the members of the Board of Directors and the Board of Statutory Auditors, the required deadline is 40 days before the date of the Shareholders' Meeting.
When the Shareholders' Meeting has to authorise the Board of Directors to carry out actions or transactions to counter a public purchase offer, the deadline for publication is 15 days before the Shareholders' Meeting.
Attendance and voting at the Shareholders' Meeting: what has to be done
In order to attend and vote at the Shareholders' Meeting, the authorised financial intermediaries holding the Shareholders' accounts where the UniCredit shares are deposited must be asked to notify the Company about the attendance at the Shareholders' Meeting. This notice will be given on the basis of the shares that have been deposited at the end of the business day of the seventh trading day prior to the date set for the Shareholders' Meeting on first or single call (the "record date").
Those who hold shares after the record date will not have the right to attend and vote at the Shareholders' Meeting. The notice must be received by UniCredit by the end of the third trading day prior to the date set for the Shareholders' Meeting on first or single call. In any case, it will be possible to attend and vote at the Shareholders' Meeting even if the notification is made by the authorised intermediary after the deadline, provided that it is before the Shareholders' Meeting starts.
What is the "record date"?
The record date is the date on which the party asking to attend the Shareholders' Meeting has to be registered as owner of UniCredit shares.
The right to attend the Shareholders' Meeting and the exercise of the voting right is indeed given to those who own the shares on the basis of the accounts' records of the authorised intermediary with respect to the end of the business day of the seventh trading day before the date set for the Shareholders' Meeting.
The records (credit or debit) carried out on the accounts of the intermediary after said deadline will not be considered for the purpose of having the right to vote at the Shareholders' Meeting.
Who is the Company's Designated Proxy Holder
Pursuant to Section 135-undecies of Legislative Decree no. 58/98, the Company can appoint a party ("Designated Proxy Holder") to whom shareholders no later than the end of the second trading day prior to the actual date set for the Shareholders' Meeting may grant a proxy inclusive of voting instructions regarding all, or some of, the items on the Agenda.
The proxy has to be given by signing the applicable form which is available on the Company's website and does not involve any additional cost for the shareholders.
Reports on the items on the Agenda of the Shareholders' Meeting: where and when they are made available
The reports are made available to the public at the registered office of the Company, on the Company's website and on the authorised storage mechanism "eMarket STORAGE" managed by Spafid Connect S.p.A. (www.emarketstorage.com) within the publication deadline provided pursuant to the items on the Agenda or by any other deadline expressly provided by law.
Minutes of the Shareholders' Meeting: when they are available on the Company's website
The minutes of the Shareholders' Meeting must be made available on the Company's website 30 days from the date of the Shareholders' Meeting. Within 5 days from the date of the Shareholders' Meeting, a summary report of the voting must be made available on the Company's Internet site, containing the number of shares represented at the Shareholders' Meeting and the number of shares for which a vote was cast, the percentage of the capital represented by said shares and the number of votes in favour and against the decisions and the number of abstentions.
Where can I find a history of UniCredit's share quotations?
On this site, in the Investors section, under Share Information > Historical figures.
Where can I find up-to-date information on UniCredit's share quotations?
In this site, in the Investors section, under Share information.
In this page you can also compare the performance of UniCredit share with those of its main competitors, both Italian and foreign.
What is your dividends policy?
Owners of either ordinary shares or savings shares have the right to a dividend once a year.
The Board of Directors recommends the amount of the dividend based on the end-of-year results (mid-March). The Board of Directors also recommends the dates for dividend and coupon payments, which are then approved at the annual shareholders meeting (end of April-beginning of March).
Further information are available in the Dividends page.
When are the results published?
The full-year results are published within 90 days of the period, while first half results are published within 75 days of the end of the period.
Those of the 1° and 3° quarterly are published within 45 days.
Where can I find information about the economic/financial performance of UniCredit?
Institutional investors, financial analysts and rating agencies can contact our Investor Relations team by phone or e-mail.
How can I get in touch with the Group Investor Relations team?
The Group Investor Relations team's phone numbers and e-mail addresses are listed under Contacts in the Investors section on this site.
How does UniCredit Group see its business social responsibility?
Sustainability is central to the mission and operation of UniCredit Group.
We believe that in order to perform our work well we need to adhere to well-defined principles, management targets and conduct that ultimately serve to define our identity as a Group.
How does UniCredit Group put into practice its attention and commitment to the territories where it operates?
We place great importance on factors of local development, and knowledge of the territory and its actors. This is why we have created the Territorial Committees.
The Committees function as advisory bodies appointed by UniCredit Group's Board of Directors. They are made up of a variable number of members from outside the Group and are chosen from among key figures in the business world, from trade associations, local independent bodies, cultural institutions, volunteer organizations and research institutes within a specific territory.
Does UniCredit Group address the environmental impact of its activities?
We always factor issues of environmental sustainability into our strategic decisions, ESG is embedded in everything we do and one of the five strategic imperatives of UniCredit Unlocked. It is a collective mindset that we all take responsibility for.
Is UniCredit Group listed in any sustainability indexes?
We have successfully developed a strong reputation for sustainable business practices, and we are recognized worldwide as a sustainability-driven company. This is evidenced by our inclusion in a number of major international sustainability indexes and ratings: Dow Jones Sustainability Index, FTSE4Good Index Series, Ethibel Sustainability Index's Excellence Global Register, oekom Research AG, Climate Disclosure Leadership.