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UniCredit (UCG) investor relations material
UniCredit Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Achieved record third quarter and nine-month results, marking 19 consecutive quarters of profitable growth, with all regions and business lines contributing to best-in-class profitability and shareholder distributions.
Reinforced double-digit growth in EPS, DPS, and tangible book per share, maintaining return on tangible equity above 20%.
Strategy focused on sustainable, best-in-class performance, capital efficiency, and innovation, leveraging a pan-European model.
Financial highlights
Net profit for 9M25 reached €8.7bn, up 12.9% year-over-year; 3Q25 net profit was €2.6bn, up 4.7% year-over-year.
Net revenue for nine months at €18.5bn, broadly stable year-over-year; Q3 net revenue at €6.1bn, up 1.2%.
Cost/income ratio among the lowest in Europe at 36.8% for nine months; operating costs broadly flat despite investments.
CET1 ratio at 14.8%, supported by strong organic capital generation and ample buffers over regulatory requirements.
Fees and insurance income up 4.9% to €6.6bn for nine months; investment income up 84% to €693m.
Outlook and guidance
FY25 net profit guidance confirmed at €10.5bn, with management actions in Q4 to support future growth, mainly from 2027 onward.
2027 net profit guidance confirmed to be well above €11bn, driven by strategic investments and underlying business acceleration.
Ordinary distribution policy of 80% of net profit from 2026, with potential for additional excess capital returns.
Deposit pass-through strategy for NII
Explain Commerzbank stake's CET1 impact
Italian sovereign debt weighted duration
How does the EUR6.5bn deployment impact future EPS?
What is the focus of Q4 2025 growth investments?
Conditions for releasing EUR1.7bn asset quality overlays?
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Q4 202510 Feb, 2026
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Frequently asked questions
One of Italy’s Largest Banks
UniCredit S.p.A., one of Europe's leading financial services companies, has a strong and distinguished presence across the continent. The Milan-based company, founded in 1998, delivers a range of services, from investment banking to commercial banking, from asset management to retail banking. UniCredit's network extends across 50 markets, with a significant presence in Italy, Germany, Austria, and Central and Eastern Europe. Despite the fierce competition, the bank has been able to establish itself as a pillar of the European banking sector.
Reaching outside of Italy
UniCredit's roots can be traced back to several Italian banking institutions. The company emerged in its present form in 1998 when several Italian banks merged, with the aim of creating an institution that could compete on the broader European stage. Over the years, UniCredit pursued a strategy of organic growth and expansion through key acquisitions. One such acquisition was the German bank HypoVereinsbank in 2005, which extended its reach into Central and Eastern Europe. Today they compete primarily with Intesa Sanpaolo domestically, as well as larger multinational institutions such as Deutsche Bank and Barclays.
For Private Individuals
UniCredit S.p.A. provides a comprehensive suite of services tailored to private individuals, addressing their various financial needs. The bank offers a full range of personal banking products, from savings and checking accounts to credit cards and personal loans. For those looking for advice and direction when it comes to investing, UniCredit provides investment services and wealth management solutions.
The bank also offers mortgage loans for individuals seeking to purchase or refinance a home, with competitive rates and flexible terms. In the era of digital banking, UniCredit has significantly invested in its online and mobile banking platforms, enabling customers to access and manage their accounts seamlessly.
Institutional Offerings
UniCredit provides a broad array of financial services specifically tailored to meet the complex needs of institutional clients. For corporations, UniCredit offers a range of banking services including commercial loans, treasury services, and trade finance solutions, enabling businesses to manage their operations efficiently. On the investment front, UniCredit assists institutions in managing their financial assets, providing asset management, securities services, and structured finance solutions. The bank also has a dedicated Global Markets division, providing institutions with access to financial markets worldwide, along with risk management and hedging solutions. Furthermore, UniCredit serves public sector entities with tailored financing and advisory services.
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