Better Health for All

The provided articles do not contain specific, quantitative evidence to score UniCredit against any of the 'Better Health for All' KPIs. While some articles mention UniCredit's financing to a social cooperative involved in healthcare services

or its internal employee well-being programs , this information does not directly address the company's core products' health impact, revenue from harmful products, user safety, pricing of health products, reach to vulnerable populations for health needs, health risk transparency, or investment in health innovation as defined by the rubric. The value definition explicitly excludes workplace safety and worker rights, which covers most of the internal employee well-being initiatives mentioned. Therefore, no KPIs can be scored based on the available evidence.

Fair Money & Economic Opportunity

UniCredit distributed 400 million euros in microcredit in 2021.

, which represents approximately 0.13% of its 300 billion euros outstanding loan book. The company reached over 700,000 beneficiaries through financial education initiatives in FY24. In 2021, 123,522 beneficiaries were reached through financial education. UniCredit allocated 30 million euros to the UniCredit Foundation in FY24. , which is approximately 0.3% of its 9.7 billion euros net profit for FY24.

Fair Pay & Worker Respect

UniCredit London reported a median gender pay gap of 48.9% in 2022, indicating that women earned 51.1% of men's median pay.

This represents an increase from a 39.3% median gap in 2021. The mean gender pay gap was 30.6% in 2022, an improvement from 33.6% in 2021. The median bonus pay gap was 57.3% in 2022. UniCredit aims to reduce its non-demographic gender pay gap from approximately 4% in 2020 to around 1% by December 2024, with an allocation of €100 million for this purpose. The company's worker engagement score was 72% based on 937 employee reviews and social media analysis from 2021.

Fair Trade & Ethical Sourcing

No specific, quantitative evidence was found in the provided articles for any of the KPIs related to Fair Trade & Ethical Sourcing. The articles mention general commitments, policies, and assessments, such as UniCredit Bank GmbH being subject to the German Supply Chain Due Diligence Act (LkSG) since January 1, 2023, and publishing annual Modern Slavery Act statements.

They also state that risk analyses are carried out regularly and suppliers are requested to commit to human rights and environmental requirements. However, no concrete data points like percentages of certified spend, audit frequencies, number of incidents, traceability coverage, remediation speeds, or the percentage of contracts with ethical clauses were provided.

Kind to Animals

UniCredit is a banking and financial services company, and its core business model does not involve animal-derived products, animal testing, or animal agriculture. Therefore, KPIs related to direct animal welfare, such as cruelty-free certification, alternative testing usage, humane certified operations, ethical input substitution, supplier audits for welfare, cage-free sourcing, animal testing policy and volume, innovation investment in animal-free technologies, animal agriculture ethics, animal-free R&D collaboration, and public policy engagement on animal welfare, are not applicable to its direct operations. An assessment from BanksforAnimals.org confirms that UniCredit's policies do not address animal farming, food production, animal welfare standards, animal testing, genetic engineering, fur trade, conservation, commercial use, company supply chain, or bank procurement practices.

While UniCredit has commitments to natural capital and biodiversity, including avoiding operations in protected areas and combating deforestation, there is no specific, measurable data on the biodiversity impact of conservation initiatives or the percentage of revenue dedicated to such efforts with documented species recovery metrics.

No War, No Weapons

UniCredit has a policy to phase out existing exposure to customers classified as 'Phase Out/Restricted relationship' as soon as possible, with a plan prepared by the Relationship Manager.

The Group has reduced its non-local Russian exposure by approximately 90% since March 2022. The company is committed to complying with all applicable sanctions and identifies 'forbidden countries' where support is not allowed, explicitly stating it does not provide support for exporting defense devices to these countries or regimes repressing civil populations. UniCredit does not provide support for activities directly connected with Nuclear or Controversial weapons, their key components, or related infrastructures and services, and does not invest in subjects operating in these areas. Dual-use goods are always subject to reputational risk assessment unless clients declare or certify they are exclusively for civil use. The company's Human Rights Commitment is inspired by the UN Guiding Principles on Business and Human Rights, and it conducts annual reputational risk clearance processes for defense-related subjects and re-assesses clients at least once a year. The Group supports the export of conventional weapons only if compliant with the Arms Trade Treaty and not addressed to regimes repressing civil populations. UniCredit understands the adverse impacts of defense-related activities on humanitarian principles.

Planet-Friendly Business

UniCredit's total Scope 1, 2, and 3 emissions were 77,177 tCO2e in 2023, representing a 14.26% annual decline from 2022.

The company sourced 100% of its total electricity consumption from renewable sources in 2023, and 91% in 2024. It has set a Net Zero target for its own emissions by 2030 and for financed emissions by 2050. Interim 2030 targets for financed emissions in six carbon-intensive sectors (Oil & Gas, Power Generation, Automotive, Steel, Shipping, Commercial Real Estate) are aligned with 1.5°C scenarios. The company's waste diversion rate was 56.93% in 2023. Approximately 73% of copy paper used Groupwide derives from recycled sources. UniCredit has a formal zero-deforestation policy with a coal phase-out by 2028 and prevents support for oil and gas activities in the Arctic Region and new exploration/expansion of oil reserves. The company's TCFD disclosures are fully adopted, and climate scenario analysis is conducted annually, considering Baseline, Delayed Transition, and Energy Disorder scenarios. UniCredit aims to assist clients in achieving a just transition, considering natural capital and social aspects. The company's water usage per employee was 17 m3/capita in 2023. UniCredit is working to implement the EU Taxonomy within its ESG Product Guidelines. It assesses sector emissions for the shipping sector, focusing on Scope 1 and Scope 3 category 3 emissions (Well To Wake). Third-party assessments for suppliers now consider business continuity plans for climate events.

Zero Waste & Sustainable Products

The provided articles do not contain specific, concrete data points or initiatives directly related to waste management, product design for circularity, packaging sustainability, or customer education on waste for UniCredit.

While the company reports on broader sustainability efforts like green bonds, ESG lending, and net-zero emissions targets, these do not provide evidence for the KPIs under the 'Zero Waste & Sustainable Products' value, which focuses on minimizing waste through design, resource recovery, and recycling of products and packaging.