Financial Performance Overview

UniCredit S.p.A. disclosed its second-quarter financial results for 2025, revealing a 3.3% year-on-year decline in total revenues, which amounted to €6.1 billion. Despite this, the bank saw a significant 24.8% surge in stated net profit, reaching €3.34 billion.

Operational Costs and Future Outlook

The report highlighted a 0.7% increase in operating costs, totaling €2.3 billion annually, and a slight decrease in the CET1 ratio to 16%. In light of these figures, UniCredit has revised its 2025 guidance, projecting a net profit of around €10.5 billion with a RoTE of approximately 20%.

Leadership's Perspective

CEO Andrea Orcel commented on the results, stating, "UniCredit has achieved outstanding financial results, with a record-breaking Q2 contributing to the best H1 in the bank’s history. We are prepared for the future, with our low cost of risk, strong asset quality, and unmatched overlays providing a safeguard against potential macroeconomic downturns."