Data source: 2025-Q2 figures ingested from the EBA Transparency Exercise. European figures update as filings are published — semi-annually for EBA, per-results for 6-K — not via a real-time API like US banks (FDIC).

UniCredit

UCG

Italy · EuropeRegulated by ECBLatest: 2025-Q2

65HIGH

CET1 Ratio

16.02%

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$287.7B

Latest quarter

Total Loan Book

—

Latest quarter

Leverage Ratio

—

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q2

Concentration data unavailable

Leveraged loans not reported in FDIC call reports

Metric History

9 quarters · EBA Transparency Exercise · approximate estimates

8 of 9 quarters marked approx are estimates compiled from public annual reports. Levels approximate the published figures; the quarter-to-quarter path is extrapolated, so the Loans YoY and RWA QoQ columns on those rows are not observed changes.

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q2latest	16.02%	—	$287.7B	—	—	—	—	—	—	65
2024-Q4approx	16.40%	6.10%	$340.0B	$464.0B	+3.1%	+0.60%	16.0%	18.0%	33.0%	43
2024-Q3approx	16.30%	6.10%	$338.0B	$461.0B	+3.1%	+0.60%	16.0%	18.0%	33.0%	39
2024-Q2approx	16.20%	6.10%	$336.0B	$458.0B	+3.2%	+0.60%	16.0%	18.0%	33.0%	39
2024-Q1approx	16.20%	6.20%	$334.0B	$455.0B	+3.4%	+0.60%	16.0%	18.0%	33.0%	49
2023-Q4approx	16.20%	6.20%	$332.0B	$452.0B	+5.0%	+0.60%	16.0%	18.0%	33.0%	46
2023-Q3approx	16.10%	6.10%	$330.0B	$448.0B	+5.1%	+0.60%	16.0%	18.0%	32.0%	46
2023-Q2approx	15.90%	6.00%	$328.0B	$444.0B	+5.0%	+0.60%	16.0%	18.0%	32.0%	46
2023-Q1approx	15.80%	6.00%	$326.0B	$440.0B	+4.8%	+0.50%	16.0%	18.0%	32.0%	46

AI Investment Memo

Llama will analyze UniCredit across 4 data dimensions and write a structured memo

Score: 65/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

65/100 —HIGH

Repeat issuer · scored on re-issuance timing

Re-issuance timing65

Last deal

5 mo ago

Typical cadence

22 mo

Through its re-issue cycle22%

Active SRT programme → scored on how overdue it is vs its own cadence. Validated to predict re-issuance better than fundamentals, which are shown below for context only.

Fundamentals — context only

Capital Pressure0/40

CET1 16.02% — well above management threshold

-4.02pp headroom above 8% regulatory floor

Loan Book Growth0/30

Concentration data unavailable

Historical SRT15/25

Bank has previously issued SRT transactions

+15

5 months since last deal — recently completed

Macro Context9/10

Live macro signal: FAVORABLE (sentiment +14/20) — 9/10 pts

GSIB · Systemic Bank

Globally systemically important bank — one of the designated GSIBs. $500B–$1.25T total assets — active repeat issuers, genuine sourcing targets

Europe regional bonus+8

Macro environment · FAVORABLE+6

Sentiment +14/20 · global +6 pts

Overall SRT likelihood65/100