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UniCredit

UniCredit is a pan-European commercial bank operating in Italy, Germany, Central and Eastern Europe, serving over 15 million customers.

Lobbying Activity

Meeting with Bernardus Zuijdendorp (Head of Unit Taxation and Customs Union) and ENEL SpA and

9 Dec 2025 · Meeting with representatives of 9 European multinationals on Pillar Two, "Side-by-Side" approach & a level playing field

Meeting with Almoro Rubin De Cervin (Head of Unit Financial Stability, Financial Services and Capital Markets Union)

3 Dec 2025 · German banking market

Meeting with Mirzha De Manuel (Cabinet of Commissioner Valdis Dombrovskis)

3 Dec 2025 · Competitivity and financial regulation

Meeting with Ralf Seekatz (Member of the European Parliament, Rapporteur)

16 Oct 2025 · Verbriefung

Meeting with Almoro Rubin De Cervin (Head of Unit Financial Stability, Financial Services and Capital Markets Union) and Intesa Sanpaolo and ING Group

8 Oct 2025 · Banking issues

Meeting with Almoro Rubin De Cervin (Head of Unit Financial Stability, Financial Services and Capital Markets Union) and BNP PARIBAS and

2 Oct 2025 · Operational Risk

Meeting with Gilles Boyer (Member of the European Parliament, Shadow rapporteur)

29 Sept 2025 · Securitisation

Meeting with Raffaele Fitto (Executive Vice-President) and

3 Sept 2025 · General discussion on the priorities of the European Commission

Meeting with Cristina Dias (Cabinet of Commissioner Maria Luís Albuquerque)

28 May 2025 · Market developments

Meeting with Teresa Ribera Rodríguez (Executive Vice-President) and

28 May 2025 · Banking sector in Italy and Europe

Meeting with Andreas Schieder (Member of the European Parliament)

13 May 2025 · Opening AT 60

UniCredit urges permanent low capital requirements for reverse repos

7 Mar 2025
Topic — This consultation addresses a proposed amendment to EU rules on the treatment of securities financing transactions.
Message — UniCredit supports making the current low capital requirements for short-term lending permanent. Reverting to higher international standards would harm liquidity and disadvantage European banks.12
Why — Making these rules permanent ensures European banks remain competitive against international rivals.3
Impact — European governments would face higher costs to finance their national economic needs.4
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Meeting with Eva Maydell (Member of the European Parliament)

6 Mar 2025 · General Exchange

Meeting with Pasquale Tridico (Member of the European Parliament)

16 Oct 2024 · Meeting with Costanza Bufalini, Head of Group Advocacy - UniCredit S.p.A.

Meeting with Marco Falcone (Member of the European Parliament)

16 Oct 2024 · Competitività del settore bancario e completamento dell’Unione Bancaria e della Capital Markets Union

Meeting with Gaetano Pedulla' (Member of the European Parliament)

16 Oct 2024 · Competitività del settore bancario e completamento dell’Unione Bancaria

Meeting with Stephanie Riso (Director-General Budget)

13 May 2024 · Presenting the EU issuance programme and discussing opportunities for investors to invest in EU bonds.

Meeting with Angelika Niebler (Member of the European Parliament)

10 Apr 2024 · EU financial policy

Meeting with Michael Hager (Cabinet of Executive Vice-President Valdis Dombrovskis)

10 Apr 2024 · Commission’s further legislative work and next cycle priorities on the Banking Union, the Capital Markets Union as well as the sustainable finance agenda

Meeting with Brando Benifei (Member of the European Parliament)

15 Feb 2024 · Late Payments Regulation

Meeting with Gert Jan Koopman (Director-General Enlargement and Eastern Neighbourhood)

19 Dec 2023 · financing renewable energy

Meeting with Thierry Breton (Commissioner) and

4 Dec 2023 · Telecom policy and investments

Meeting with Ditte Juul-Joergensen (Director-General Energy) and Deutsche Bank AG and

29 Nov 2023 · Energy transition

Meeting with Irene Tinagli (Member of the European Parliament, Committee chair)

11 Oct 2023 · Meeting on Banking Issues

Meeting with Valeria Miceli (Cabinet of President Ursula von der Leyen)

11 Oct 2023 · State of play of banking files

Meeting with Stephanie Riso (Director-General Budget)

5 Jul 2023 · Introductory meeting with the new Director-General

Meeting with Antoine Colombani (Cabinet of Executive Vice-President Frans Timmermans)

19 Jun 2023 · Sustainable finance

Meeting with Marek Belka (Member of the European Parliament)

26 Apr 2023 · Banking Industry Situation

Meeting with Luděk Niedermayer (Member of the European Parliament)

26 Apr 2023 · EU financial services - exchange of views

Meeting with Michael Hager (Cabinet of Executive Vice-President Valdis Dombrovskis)

4 Apr 2023 · Current regulatory topics related to financial services

Meeting with Irene Tinagli (Member of the European Parliament, Committee chair)

24 Mar 2023 · Meeting on Banking Issues (APA level)

Meeting with Marco Zanni (Member of the European Parliament, Shadow rapporteur)

7 Feb 2023 · Banking issues

Meeting with Paolo Gentiloni (Commissioner)

7 Feb 2023 · General overview on the state of play of the European Banking System

Meeting with Irene Tinagli (Member of the European Parliament, Committee chair)

7 Feb 2023 · Meeting on Banking Issues

Meeting with Tommy De Temmerman (Cabinet of Commissioner Mairead Mcguinness)

26 Jan 2023 · Organisation of possible meeting between Cssr McGuinness and Unicredit CEO A. Orcel

Meeting with Paolo Gentiloni (Commissioner)

19 Jan 2023 · Courtesy meeting with Mr Padoan

Meeting with Gilles Boyer (Member of the European Parliament, Shadow rapporteur) and BNP PARIBAS

28 Sept 2022 · CRR3 (staff)

Meeting with Mairead McGuinness (Commissioner) and

8 Sept 2022 · Basel III and retail investment strategy

Meeting with Frans Timmermans (Executive Vice-President) and Deutsche Bank AG and

6 Sept 2022 · Energy situation in the EU; financing of the green transition

Meeting with Johannes Hahn (Commissioner) and

28 Jul 2022 · Current economic and geopolitical challenges. European strategic autonomy. NextGenerationEU.

Meeting with Marco Zanni (Member of the European Parliament, Shadow rapporteur)

30 Jun 2022 · Basel III Finalisation

Meeting with Andrea Beltramello (Cabinet of Executive Vice-President Valdis Dombrovskis) and Deutsche Bank AG and

20 Jun 2022 · Implementation of sanctions

Meeting with Salvatore De Meo (Member of the European Parliament)

11 May 2022 · Direttiva Credito ai Consumatori

Meeting with Florian Denis (Cabinet of Commissioner Mairead Mcguinness) and Deutsche Bank AG and

7 Apr 2022 · open finance

Meeting with Gilles Boyer (Member of the European Parliament, Shadow rapporteur) and Association for Financial Markets in Europe

3 Mar 2022 · EUGB (staff)

Meeting with Irene Tinagli (Member of the European Parliament, Committee chair) and JPMorgan Chase & Co.

23 Feb 2022 · Meeting on Banking Issues

Meeting with Mairead McGuinness (Commissioner) and

11 Jan 2022 · Banking Union, ESG/green transition

Meeting with Gert Jan Koopman (Director-General Budget)

14 Dec 2021 · Multi Year Plan

Meeting with Billy Kelleher (Member of the European Parliament, Rapporteur)

9 Sept 2021 · Digital Operational Resilience Act

Response to Designation of a statutory replacement rate for EONIA (Benchmark)

30 Aug 2021

UniCredit broadly approves the decision of the European Commission to designate a statutory fallback rate for all contracts indexed to EONIA and falling under article 23a of the Regulation (EU) 2016/1011 of the European Parliament and of the Council. In fact, considering the high number of contracts involved, we believe it is essential to have a European legislation that rules the transition in the financial markets after the termination of the EONIA, limiting the risk of legal disputes. It is worth mentioning that, even if ISDA has published a Template EONIA Amendment Agreement that can be used to amend legacy transactions or existing collateral agreements so that they embed the fallbacks to €STR plus 8.5 basis points, an EONIA Fallback Protocol for amending existing collateral agreements is still being drafted. Moreover, many contracts don’t fall under the ISDA protocol and therefore establishing a fallback rate for them would only depend on the negotiating power of the counterparties. However, due to the Brexit and the current global situation created by the pandemic, it is not always possible to proceed with renegotiations, as stated in a letter from the Chairman of the EUR Risk Free Rates Working Group to the European Commission . Accordingly, UniCredit believes that a statutory replacement for EONIA is necessary to manage situations in which a renegotiation cannot be finalized. In the same letter, it is noted that the transition is proceeding slowly, as a survey of members of the EUR Risk Free Rates Working Group shows that, on average, they have completed 46% of their EONIA derivatives transition effort. Therefore, given that the discontinuation of EONIA is less than six months away, on January 3 2022, UniCredit stresses the importance of having a statutory replacement of EONIA as soon as possible and no later than the third quarter of 2021.
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Response to Designation of a statutory replacement rate for CHF LIBOR (Benchmarks)

30 Aug 2021

UniCredit welcomes and fully supports the Commission’s initiative to designate a statutory replacement for CHF LIBOR that will guarantee continuity of contracts and provide legal certainty with the highest level of consumer protection. UniCredit advocates the publication of the implementing regulation as soon as possible, to safeguard counterparties from the risk of contracts discontinuity and to properly manage the impact of CHF LIBOR cessation. UniCredit greatly appreciates the decision: • to extend the tenors also to 1M, 6M and 12M and not just 3M; • to include all products that do not contain suitable fall-back provisions and not only on contracts with consumers and SMEs; • to consider all the contracts settled even after 1 January 2018. Moreover, the explicit designation of the value of the spread adjustment for each tenor rules out interpretative issues, which could have given rise to unintended legal risks which would undermine the purpose of the statutory replacement. Our general support to the initiative doesn’t come without some concerns which, if alleviated, could considerably improve the effectiveness of the statutory replacement and its application on wider range of products compared. In this sense, please refer to the attached document for a detailed response.
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Meeting with Salvatore De Meo (Member of the European Parliament)

15 Jul 2021 · Various

Meeting with Gert Jan Koopman (Director-General Budget)

7 Jun 2021 · Preparation for UniCredit Financial Institutions Conference

Meeting with Gert Jan Koopman (Director-General Budget)

17 May 2021 · Next Generation EU

Meeting with Andrea Beltramello (Cabinet of Executive Vice-President Valdis Dombrovskis) and Association for Financial Markets in Europe and

27 Apr 2021 · Sustainable Finance

Meeting with John Berrigan (Director-General Financial Stability, Financial Services and Capital Markets Union) and BNP PARIBAS and

27 Apr 2021 · MiFIR, EU/UK regulatory and Secondary market liquidity

Meeting with Gert Jan Koopman (Director-General Budget)

19 Mar 2021 · EU SURE instrument

Meeting with Gert Jan Koopman (Director-General Budget)

18 Nov 2020 · EU SURE instrument

Meeting with Alessio Nardi (Cabinet of Commissioner Olivér Várhelyi) and Philip Morris International Inc. and

11 Sept 2020 · Breakfast with institutional and economic stakeholders organised by Rep and Comin & partners

Meeting with John Berrigan (Director-General Financial Stability, Financial Services and Capital Markets Union)

27 Mar 2020 · COVID-19 situation and the impact on financial markets

Meeting with Valeria Miceli (Cabinet of President Ursula von der Leyen)

18 Feb 2020 · Discussion on the upcoming Basel proposal

Meeting with Roberto Viola (Director-General Communications Networks, Content and Technology)

18 Feb 2020 · Digital issues, including digital transformation, cloud, cyber.

Meeting with John Berrigan (Director-General Financial Stability, Financial Services and Capital Markets Union)

23 Jan 2020 · Banking Union, Basel III,

Meeting with Valdis Dombrovskis (Vice-President) and

4 Apr 2019 · Banking Union, CMU

Meeting with Valdis Dombrovskis (Vice-President) and

3 Sept 2018 · Banking Union - Banking Package

Meeting with Anna Vezyroglou (Cabinet of High Representative / Vice-President Federica Mogherini)

28 Aug 2018 · Western Balkans

UniCredit warns against high minimum fines for consumer law violations

21 Jun 2018
Topic — EU consultation on modernising consumer protection rules regarding unfair contracts and commercial practices.
Message — UniCredit argues for deleting the 4% turnover floor for fines and establishing a clear maximum cap. They also suggest that consumers should not have a minimum right to unilaterally terminate contracts for unfair practices.12
Why — A cap would prevent the bank from facing massive fines for minor procedural errors.34
Impact — EU citizens might find it harder to cancel contracts with banks using unfair terms.5
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UniCredit Urges Stronger Safeguards in EU Consumer Representative Actions

21 Jun 2018
Topic — A consultation on revising EU consumer laws and rules for collective legal actions.
Message — UniCredit requests narrowing the directive's scope to laws specifically granting consumer rights. They advocate for mandatory admissibility checks and the "loser pays" principle to deter unfounded claims. They also prefer "opt-in" systems to ensure claimants represent affected consumers.123
Why — Stricter rules would reduce the risk of speculative lawsuits and protect the bank's reputation.45
Impact — Individuals and consumer groups would face higher barriers and financial risks when pursuing collective redress.67
Read full response

Meeting with Jyrki Katainen (Vice-President)

24 May 2018 · Capital Markets Union and EU economic outlook.

Meeting with Anna Vezyroglou (Cabinet of High Representative / Vice-President Federica Mogherini)

11 Apr 2018 · EU-Western Balkans relations

Meeting with Anna Vezyroglou (Cabinet of High Representative / Vice-President Federica Mogherini)

13 Feb 2018 · EU-Turkey relations and Western Balkans Strategy

Meeting with Anna Vezyroglou (Cabinet of High Representative / Vice-President Federica Mogherini)

21 Nov 2017 · EU-Turkey relations, development in the Balkans

Meeting with Valdis Dombrovskis (Vice-President), Valdis Dombrovskis (Vice-President) and

6 Jun 2017 · Bancking Package; Basel IV; CMU; EU cross-border banks

Meeting with Fabrizia Panzetti (Cabinet of High Representative / Vice-President Federica Mogherini)

21 Mar 2017 · Introduction of the Group

Meeting with Christian Danielsson (Director-General Enlargement and Eastern Neighbourhood)

21 Mar 2017 · Neigbourhood and Enlargement Negotiations

Meeting with Anna Vezyroglou (Cabinet of High Representative / Vice-President Federica Mogherini)

6 Dec 2016 · EU relations with Serbia and with Turkey

Meeting with Jan Ceyssens (Cabinet of Vice-President Valdis Dombrovskis) and Deutsche Bank AG and

10 Oct 2016 · CRR; CMU; TLAC

Meeting with Frans Timmermans (First Vice-President) and

2 Sept 2016 · European Affairs

Meeting with Anna Vezyroglou (Cabinet of High Representative / Vice-President Federica Mogherini)

21 Jun 2016 · EU Relations/Western Balcans and Turkey

Meeting with Arianna Vannini (Cabinet of High Representative / Vice-President Federica Mogherini)

10 Nov 2015 · The financial institution business model

Meeting with Jonathan Hill (Commissioner) and General Electric Company and

21 Sept 2015 · Financial Services Policy

Meeting with Arianna Vannini (Cabinet of High Representative / Vice-President Federica Mogherini)

11 Jun 2015 · Global challenges

Meeting with Jonathan Hill (Commissioner)

5 Mar 2015 · Banking issues

Meeting with Federica Mogherini (High Representative / Vice-President)

4 Mar 2015 · Geopolitical developments

Meeting with Valdis Dombrovskis (Vice-President) and

4 Mar 2015 · Banking regulatory issues – Capital banking structure – Financing of the economy