UNICREDIT (UCG): UNICREDIT SPA (90/2025) UniCredit well above the specific capital requirements set by ECB - raport 90/2025

Podstawa prawna: Inne uregulowania

Following the communication received from the ECB in relation to the 2025 Supervisory Review and Evaluation Process (SREP), UniCredit's Pillar 2 Capital Requirement (P2R) remains at 200 basis points[1].

From 1 January 2026 UniCredit will respect the following capital requirements on a consolidated basis:

- 10.24 per cent CET1 ratio

- 12.11 per cent Tier 1 ratio

- 14.61 per cent Total Capital ratio

The above capital ratios include the Combined Buffer Requirement to be met with CET1 instruments, composed by 2.50 per cent Capital Conservation Buffer (CCB), 1.25 per cent O-SII buffer[2], 0.50 per cent Countercyclical Capital Buffer (CCyB) and 0.36 per cent Systemic Risk Capital buffer (SyRB)[3]

As of 30 September 2025, UniCredit's capital ratios on a consolidated basis stood at:

- 14.76 per cent CET1 ratio

- 16.46 per cent Tier 1 ratio

- 19.09 per cent Total Capital ratio

Milan, 30 October 2025

Contacts:

Media Relations e-mail: MediaRelations@unicredit.eu

Investor Relations e-mail: InvestorRelations@unicredit.eu

[1] Pursuant to CRD V Art. 104a, banks shall meet the Pillar 2 Capital Requirement (P2R) with at least 75% of Tier 1 capital and at least 56.25% of Common Equity Tier 1 (CET1) capital.

[2] Following a recent communication from Bank of Italy on the identification of UniCredit as an Other Systemically Important Institution (O-SII), the capital buffer required from 1 January 2026 will be 1.25 per cent, down from current 1.50% per cent.

[3] CCyB and SyRB calculated according to the exposures and requirements as of 30 September 2025. These buffers are recalculated on a quarterly basis and therefore could vary accordingly.

[English version below]

More information on page: http://biznes.pap.pl/en/reports/espi/all,0,0,0,1

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