Content
UniCredit Group Disclosure (Pillar III) as at 30 September 2022
• Capital instruments and TLAC eligible instruments main features template Annex 1'!A1
• Notes Notes!A1

&"UniCredit"&10&K666666UniCredit - Public&1#

Annex 1
Capital instruments and TLAC eligible instruments main features template (*) CAPITAL INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS
CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS CAPITAL INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS TLAC ELIGIBLE INSTRUMENTS
1 Issuer UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT BANK AUSTRIA AG UNICREDIT BANK AUSTRIA AG UNICREDIT BANK AUSTRIA AG UNICREDIT BANK AUSTRIA AG UNICREDIT BANK AUSTRIA AG UNICREDIT BANK AUSTRIA AG UNICREDIT BANK AUSTRIA AG UNICREDIT BANK AUSTRIA AG UNICREDIT BANK AUSTRIA AG UNICREDIT BANK AUSTRIA AG UNICREDIT BANK AUSTRIA AG UNICREDIT BANK AUSTRIA AG UNICREDIT BANK AG UNICREDIT BANK AG UNICREDIT BANK AG UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA UNICREDIT SPA
2 Unique identifier (1) IT0005239360 XS0348222802 XS0849517650 XS1046224884 XS1619015719 XS1632222565 XS1631415582 XS1739839998 XS1953271225 XS1963834251 XS1972731787 XS2055089457 XS2101558307 XS2121441856 XS2196325331 XS2356217039 XS0122710188 XS0123313636 XS0123117292 XS0134061893 XS0136314415 XS0137905153 XS0138428684 XS0139264682 A111_SL0040 XS0140394817 XS0140691865 XS0140838474 XS0104764377 XS0105174352 XS0105656267 XS1596778008 IT0005159162 IT0005177032 IT0005204406 IT0005273187 XS0242890878 XS0620245182 XS0620233097 XS0860543452 XS1175330007 XS1325784517 XS1400179906 XS1418864010 XS1508450688 XS2017471553 XS2063547041 XS1917910884 XS2021993212 XS2104967695 XS2104968404 XS2190134184 XS2200176050 XS2207976783 XS2233264808 XS2248085859 XS2248943503 XS2264169272 XS2257999628 XS2289133915 XS2289133758 XS2305029196 XS2348710562 XS2348714713 XS2343116039 XS2360310044 XS2433139966 XS2433141947 XS2447760351 XS2451822287 XS2455982038 XS2463212303 XS2488939740 XS2495588696 XS2521912084 XS2524943086 XS2531160724 XS2499011059 XS2502390250 XS2508243941 XS2529280062
2a Public or private placement Public Private Public Public Public Private Public Public Public Public Public Public Public Public Public Public Private Private Private Private Private Private Private Private Private Private Private Private Private Private Private Public Public Public Public Public Private Private Private Private Private Private Private Private Public Public Public Private Public Public Public Public Private Public Public Private Private Private Public Public Public Public Public Public Public Public Public Public Private Private Public Public Private Private Private Private Private Public Public Public Public
3 Governing laws of the instrument (2) Whole Instrument - Italian law (**) Whole Instrument - English Law Subordinated provisions - Italian Law Whole Instrument - English Law Subordinated provisions - Italian Law Whole Instrument - English Law Subordinated provisions - Italian Law Whole Instrument - English Law Subordinated provisions - Italian Law english law, subordination provisions - italian law New York Law; Subordinatioon provisions - Italian Law Whole Instrument - English Law; Subordinated provisions and contractual recognition of Bail in Italian Law Whole Instrument - Italian Law Whole Instrument - Italian Law New York Law; Subordinatioon provisions - Italian Law Whole Instrument - Italian Law Italian Law Whole Instrument - Italian Law New York Law; Status of the Notes - Italian Law Whole Instrument - Italian Law Instrument - English Law Subordinated provisions - Austrian Law Instrument - English Law Subordinated provisions - Austrian Law Instrument - English Law Subordinated provisions - Austrian Law Instrument - English Law Subordinated provisions - Austrian Law Instrument - English Law Subordinated provisions - Austrian Law Instrument - English Law Subordinated provisions - Austrian Law Instrument - English Law Subordinated provisions - Austrian Law Instrument - English Law Subordinated provisions - Austrian Law Whole Instrument - Austrian Law Instrument - English Law Subordinated provisions - Austrian Law Instrument - English Law Subordinated provisions - Austrian Law Instrument - English Law Subordinated provisions - Austrian Law Whole instrument - German law Whole instrument - German law Whole instrument - German law State of New York law, except for the provisions on the Status of the Senior Notes (ranking and waivers of set-off rights) which are governed by the Italian Law. Italian Law Italian Law Italian Law Italian Law English Law English Law English Law English Law English Law English Law English Law English Law English Law Italian Law Italian Law State of New York law, except for the provisions on the Status of the Non Preferred Senior Notes (ranking /subordination and waivers of set-off rights) which are governed by the Italian Law. Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law State of New York law, except for the provisions on the Status of the Non Preferred Senior Notes (ranking /subordination and waivers of set-off rights) which are governed by the Italian Law. Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law State of New York law, except for the provisions on the Status of the Senior Notes (ranking /subordination and waivers of set-off rights) which are governed by the Italian Law. State of New York law, except for the provisions on the Status of the Senior Notes (ranking /subordination and waivers of set-off rights) which are governed by the Italian Law. Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law Italian Law
3a Contractual recognition of write down and conversion powers of resolution authorities 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 YES YES YES YES YES NO NO NO NO NO NO NO NO NO YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES YES
Regulatory treatment
4 Transitional CRR II rules Common Equity Tier 1 (**) Tier 2 Tier 2 Additional Tier 1 Additional Tier 1 Tier 2 Tier 2 Additional Tier 1 Tier 2 Additional Tier 1 Tier 2 Tier 2 Tier 2 Additional Tier 1 Tier 2 Additional Tier 1 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
5 Post-transitional CRR II rules (3) Common Equity Tier 1 (**) Ineligible Ineligible Ineligible Additional Tier 1 Tier 2 Tier 2 Additional Tier 1 Tier 2 Additional Tier 1 Tier 2 Tier 2 Tier 2 Additional Tier 1 Tier 2 Additional Tier 1 Ineligible Ineligible Ineligible Ineligible Ineligible Ineligible Ineligible Ineligible Tier 2 Ineligible Ineligible Ineligible Tier 2 Tier 2 Tier 2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
6 Eligible at: solo; consolidated; solo & consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Solo & Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated Consolidated
7 Instrument type Ordinary shares Bond - Art. 62 CRR Bond - Art. 62 CRR Bond - Art. 51 CRR Bond - Art. 51 CRR Notes - Art. 62 CRR Notes - Art. 62 CRR Bond - Art. 51 CRR Notes - Art. 62 CRR Bond - Art. 51 CRR Notes - Art. 62 CRR Notes - Art. 62 CRR Notes - Art. 62 CRR Bond - Art. 51 CRR Notes - Art. 62 CRR Bond - Art. 51 CRR Bond - Art. 62 CRR Bond - Art. 62 CRR Bond - Art. 62 CRR Bond - Art. 62 CRR Bond - Art. 62 CRR Notes - Art. 62 CRR Bond - Art. 62 CRR Bond - Art. 62 CRR Loan - Art. 62 CRR Bond - Art. 62 CRR Bond - Art. 62 CRR Bond - Art. 62 CRR Bond - Art. 62 CRR Bond - Art. 62 CRR Bond - Art. 62 CRR Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Non Preferred Senior Non Preferred Senior Non Preferred Senior Non Preferred Senior Preferred Senior Preferred Senior Non Preferred Senior Non Preferred Senior Preferred Senior Preferred Senior Preferred Senior Non Preferred Senior Preferred Senior Preferred Senior Non Preferred Senior Preferred Senior Preferred Senior Non Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Non Preferred Senior Non Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Preferred Senior Non Preferred
8 Amount recognised in regulatory capital or eligible liabilities (Currency in million) (4) (5) (6) 21.026 (**) 8 24 898 1,237 49 1,021 981 996 1,000 1,276 1,243 1,245 1,240 1,530 743 20 30 46 55 35 12 60 41 28 94 42 125 39 5 12 699 21 49 423 6 3 0 37 3 32 70 181 35 866 1,243 945 3,076 727 1,146 730 1,194 1,000 1,191 1,017 20 50 50 97 992 923 94 1,023 1,021 26 946 1,160 448 16 80 40 16 10 10 59 12 30 796 34 30 299
- BuyBacks - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
9 Nominal amount of instrument: original amount of currency of issuance (in million) Without nominal value 125 1,500 1,250 1,250 50 1,000 1,000 1,000 1,000 1,250 1,250 1,250 1,250 1,500 750 20 30 46 55 35 12 60 40 28 95 50 125 39 12 15 750 100 100 786 15 750 5 42 3 32 70 182 5,000 1,000 1,250 1,000 3,000 750 1,250 750 1,250 1,000 1,250 1,000 20 50 50 100 1,000 1,000 100 1,000 1,000 26 1,000 1,250 500 6,550 80 40 16 50 50 60 12 30 800 35 30 300
Nominal amount of instrument: original amount - currency of issuance N/A EUR EUR USD EUR EUR USD EUR EUR EUR USD EUR EUR EUR USD EUR EUR EUR EUR EUR EUR EUR EUR USD USD EUR EUR EUR EUR EUR EUR USD EUR EUR EUR EUR SKK EUR EUR EUR EUR EUR EUR JPY EUR EUR EUR USD EUR EUR EUR EUR EUR EUR USD EUR EUR EUR EUR EUR EUR EUR USD USD EUR EUR EUR EUR HUF EUR EUR EUR RON RON EUR EUR EUR EUR EUR EUR EUR
Nominal amount of instrument: conversion of original amount in Euro (€ mln) N/A 125 1,500 908 1,250 50 893 1,000 1,000 1,000 1,108 1,250 1,250 1,250 1,326 750 20 30 46 55 35 12 60 45 21 95 50 125 39 12 15 703 100 100 786 15 20 5 42 3 32 70 182 41 1,000 1,250 1,000 2,645 750 1,250 750 1,250 1,000 1,250 844 20 50 50 100 1,000 1,000 100 820 820 26 1,000 1,250 500 18 80 40 16 10 10 60 12 30 800 35 30 300
9a Issue price N/A 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 99 100 99 99 99 100 100 99 100 100 100 100 79 99 100 85 100 100 100 89 89 91 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 99 100 100 100 100 100 100
9b Redemption price N/A 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 160 185 145 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100
10 Accounting classification Shareholders' equity Liability - amortised cost Liability - amortised cost Shareholders' equity Shareholders' equity Liability - amortised cost Liability - amortised cost Shareholders' equity Liability - amortised cost Shareholders' equity Liability - amortised cost Liability - amortised cost Liability - amortised cost Shareholders' equity Liability - amortised cost Shareholders' equity Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost Liability - amortised cost
11 Original date of issuance N/A 3/3/08 10/31/12 4/3/14 5/22/17 6/14/17 6/19/17 12/20/17 2/20/19 3/19/19 4/2/19 9/23/19 1/15/20 2/19/20 6/30/20 7/7/21 1/24/01 1/25/01 1/25/01 8/20/01 10/1/01 10/30/01 11/5/01 12/5/01 12/17/01 12/27/01 12/27/01 12/27/01 11/26/99 12/13/99 12/21/99 4/12/17 3/9/16 6/10/16 8/31/16 7/18/17 2/6/06 6/1/11 6/1/11 1/2/13 1/26/15 12/2/15 4/22/16 5/26/16 10/24/16 6/25/19 10/9/19 12/4/18 7/3/19 1/20/20 1/20/20 6/16/20 7/8/20 7/22/20 9/22/20 10/23/20 10/23/20 11/27/20 12/10/20 1/19/21 1/19/21 3/19/21 6/3/21 6/3/21 6/4/21 7/5/21 1/18/22 1/18/22 2/22/22 3/3/22 4/7/22 4/7/22 6/3/22 6/24/22 8/30/22 8/30/22 9/9/22 7/27/22 7/27/22 8/24/22 9/28/22
12 Perpetual or dated Perpetual Dated Dated Perpetual Perpetual Dated Dated Perpetual Dated Perpetual Dated Dated Dated Perpetual Dated Perpetual Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated Dated
13 Original maturity date No Maturity 3/3/23 10/31/22 No Maturity No Maturity 6/14/32 6/19/32 No Maturity 2/20/29 No Maturity 4/2/34 9/23/29 1/15/32 No Maturity 6/30/35 No Maturity 1/24/31 1/25/31 1/25/31 8/20/33 10/31/31 10/30/31 12/31/31 12/5/31 12/15/46 12/27/31 12/27/26 12/27/29 11/19/29 12/13/24 12/21/29 4/12/27 3/9/26 6/10/26 8/31/24 7/18/25 2/6/26 12/1/26 12/1/26 1/2/24 1/26/35 12/2/25 4/22/27 5/26/26 10/24/26 6/25/25 4/9/25 12/4/23 7/3/25 1/20/26 1/20/30 6/16/26 7/8/27 7/22/27 9/22/26 1/23/31 10/23/35 11/27/30 1/20/26 1/19/26 1/19/31 7/19/26 6/3/27 6/3/32 7/4/26 7/5/29 1/18/28 1/18/32 2/22/27 3/3/27 7/7/27 7/7/27 6/3/26 6/24/26 8/30/37 8/30/37 9/9/37 7/27/27 7/27/27 8/24/27 9/28/26
14 Issuer call subject to prior Supervisory approval (7) N/A NO NO YES YES YES YES YES YES YES YES YES YES YES YES YES NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO N/A N/A N/A N/A N/A N/A N/A N/A N/A NO N/A N/A N/A N/A YES N/A N/A YES YES N/A YES YES YES YES YES YES N/A YES N/A N/A YES YES YES YES YES YES N/A N/A N/A YES YES N/A N/A YES YES YES N/A N/A N/A N/A
15 Optional call date N/A - - 6/3/24 6/3/23 6/14/27 6/19/27 6/3/25 2/20/24 6/3/26 4/2/29 9/23/24 1/15/27 6/3/27 6/30/30 12/3/27 - - - - - - - - - - - - - - - - - - - - - - - - 1/26/25 - - - - 6/25/24 - - 7/3/24 1/20/25 - 6/16/25 7/8/26 7/22/26 9/22/25 1/23/26 10/23/29 - 1/20/25 - - 7/19/25 6/3/26 6/3/31 7/4/25 7/5/28 1/18/27 - - - 7/7/26 7/7/26 - - 8/30/27 8/30/27 9/9/27 - - - -
Contingent call dates and redemption amount N/A - Regulatory call: 100 + accrued interest; Tax Event: at principal amount + accrued interest; Regulatory call: at principal amount + accrued interest; Tax Event: at principal amount + accrued interest; Additional Event: at principal amount + accrued interest Regulatory call: Prevailing Principal Amount + any accrued interest; Tax Event: Prevailing Principal Amount + any accrued interest; Regulatory call: 100 + accrued interest; Tax Event: 100 + accrued interest; Regulatory call: 100 + accrued interest; Tax Event: 100 + accrued interest; Regulatory call: Prevailing Principal Amount + any accrued interest; Tax Event: Prevailing Principal Amount + any accrued interest; Regulatory call: 100 + accrued interests; Tax Event: early redemption amount + accrued interests; Regulatory call: Prevailing Principal Amount + any accrued interest; Tax Event: Prevailing Principal Amount + any accrued interest; Regulatory call: 100 + accrued interests; Tax Event: early redemption amount + accrued interests; Regulatory call: 100 + accrued interests; Tax Event: Early redemption amount + accrued interests; Regulatory call: 100 + accrued interest; Tax Event: Early redemption amount + accrued interests; Regulatory call: Prevailing Principal Amount + any accrued interest; Tax Event: Prevailing Principal Amount + any accrued interest; Regulatory call: 100 + accrued interest; Tax Event: 100 + accrued interest; Regulatory call: Prevailing Principal Amount + any accrued interest; Tax Event: Prevailing Principal Amount + any accrued interest; Tax Event: on any interest payment date at principal amount + accrued interest; Tax Event: on any interest payment date at principal amount + accrued interest; Tax Event: at principal amount + accrued interest; Tax Event: on any interest payment date at principal amount + accrued interest; Tax Event: on any interest payment date at principal amount + accrued interest; Tax Event: on any interest payment date at principal amount + accrued interest; Tax Event: on any interest payment date at principal amount + accrued interest; Tax Event: on any interest payment date at principal amount + accrued interest; - Tax Event: on any interest payment date at principal amount + accrued interest; Tax Event: on any interest payment date at principal amount + accrued interest; Tax Event: on any interest payment date at principal amount + accrued interest; - - - Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest - - - MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; redemption at 100, plus accrued interest Tax call; redemption at 100, plus accrued interest Tax call; redemption at 100, plus accrued interest Tax call; redemption at Amortised Face Amount, plus accrued interest Tax call; redemption at 100, plus accrued interest Tax call; redemption at 100, plus accrued interest Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MREL / TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest Tax call; MRLE/TLAC disqualification call; redemption at 100, plus accrued interest
16 Subsequent call dates, if applicable N/A - - Semi-annually Semi-annually NO NO Semi-annually NO Semi-annually NO NO NO Semi-annually NO Any calendar day during the six-month period commencing on (and including) 3 December 2027 to (and including) 3 June 2028, and any Interest Payment Date thereafter (3 June, 3 December in each year) - - - - - - - - - - - - - - - N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
Coupons/dividends
17 Fixed or floating dividend/coupon Floating Fixed Fixed Fixed Fixed Fixed to floating Fixed Fixed Fixed Fixed Fixed Fixed Fixed Fixed Fixed reset Fixed reset Floating Floating Floating Floating Floating Fixed Floating Fixed Fixed Floating Floating Floating Floating Fixed Fixed Fixed Fixed to floating Zero-coupon Fixed to floating Fixed to floating Fixed Fixed Fixed Fixed Fixed Fixed Fixed Fixed Fixed Fixed to floating Fixed Fixed Fixed to floating Fixed to floating Fixed Fixed to floating Fixed to floating Fixed to floating Fixed Fixed Fixed Fixed Fixed to floating Fixed Fixed Fixed to floating Fixed Fixed Fixed to floating Fixed to floating Fixed to floating Fixed Fixed Floating Fixed to floating Fixed to floating Fixed Fixed Fixed Fixed Fixed Fixed Fixed Fixed Fixed
18 Coupon rate and any related index N/A (**) 6,04% p.a. 6,95% p.a 8,00% p.a until 03/06/2024; therafter fixed every 5 years for 5Y MS + 5,18% 6.625% p.a. until 3 June 2023; thereafter fixed every 5 years for 5-year Mid-Swap Rate + 638.7bps 4,50% p.a. from Issue Date to 14/06/2019 payable semiannually; 2,24% p.a. + Euribor 6m after 14/06/2019 5,861% p.a. from Issue Date to 19/06/2027 payable semiannually; 3,703% p.a. + 5Y US Dollar Mid Swap Rate after 19/06/2027 payable semiannually 5.375% p.a. until 3 June 2025; thereafter fixed every 5 years for 5-year Mid-Swap Rate + 492.5 bps 4.875% p.a. from Issue Date to 20/02/2024 payable annually; 4.739% p.a. + 5 Year Mid-Swap Rate after 20/02/2024 7.50% p.a. until 3 June 2026; thereafter fixed every 5 years for 5-year Mid-Swap Rate + 733.4 bps 7.296% per annum paid on a semiannual basis until the Issuer Call Date and thereafter the then 5-Year Mid-Swap Rate + 4.914%, until the Maturity Date Fixed rate of 2.000% per annum until the Issuer Call Date and thereafter the then 5-Year Mid-Swap Rate + 2.400%, until the Maturity Date Fixed rate of 2.731% per annum until the Issuer Call date and thereafter the then 5-Year Mid-Swap Rate + 2.800%, until the Maturity Date Fixed rate of 3.875% per annum until the First Reset Date (3 June 2027) and thereafter reset every 5 years to the then 5-Year Mid-Swap Rate + Margin 5.459% per annum until the Issuer Call date and thereafter the then 5-Year Constant Maturity Treasury Rate (CMT Rate) + 4.750%, until the Maturity Date, paid semi-annually Fixed rate of 4.45% per annum until the First Reset Date (3 June 2028) and thereafter reset every 5 years to the then 5-Year Mid-Swap Rate + 4.606% Euribor 3M + 0,39% p.a. Euribor 6M + 0,3925% payable semi-annually Euribor 3M + 0,35% payable quarterly Euribor 3M + 0,52% payable quarterly Euribor 3M + 0,49% payable quarterly 5,935% p.a. Euribor 3M + 0,50% payable quarterly 6,21% p.a. USD 130.000 per month/ 5,673% p.a. Euribor 3M + 0,48% payable quarterly Euribor 6M + 0,50% payable semi-annually Euribor 6M + 0,52% payable semi-annually Euribor 6M + 0,62% 2,00% p.a. from issue date to 13/12/2004; 9,00% p.a. from 13/12/2004. 5,00% p.a. 4.625% p.a. paid semi-annually 2% p.a. paid quarterly till March 2018 and EURIBOR 3M+0.5% till maturity 0% 2.25% p.a. paid quarterly until August 2018 and EURIBOR 3M + 0.7% till maturity 2% p.a. paid quarterly till July 2019 and EURIBOR 3M +0.50% till maturity 4.03% p.a. 0.4% p.a. 0.4% p.a. 0.35% p.a. 2.36% p.a. 2.13% p.a. 2.2% p.a. 1.36% p.a. paid semi-annualy 2.125% p.a. 1.25% p.a. paid annually till June 2024 and EURIBOR 3M + 1.55% till maturity 0.5% p.a. paid annually 7.83% p.a. 1.625% p.a. paid annually till July 2024 and then EURIBOR 3M + 1.90% paid quarterly till maturity Fixed rate of 1.2% per annum until the Issuer Call date and thereafter a floating rated indexed to EURIBOR3M + 1.35% , until the Maturity Date 1.8% p.a. 1.25% paid annually until 16/06/2025 and then EURIBOR 3M + 1.60% p.a. paid quarterly til maturity 1.373% paid annually until 08/07/2026 and then EURIBOR 3M + 1.667% p.a. paid quarterly til maturity Fixed rate of 2.2% per annum until the Issuer Call date and thereafter a floating rated indexed to EURIBOR3M + 2.55% , until the Maturity Date Fixed rate of 2.569% per annum until the Issuer Call date and thereafter the then 1-Year Constant Maturity Treasury Rate (CMT Rate) + 2.300%, until the Maturity Date, paid semi-annually 1.05% per annum, paid annually 1.49% per annum, paid annually 0.725% per annum, paid annually Fixed rate of 1.210% per annum until the Issuer Call date and thereafter a floating rated indexed to EURIBOR3M + 1.741%, until the Maturity Date Fixed rate of 0.325% per annum Fixed rate of 0.850% per annum Fixed rate of 0.60% per annum until the Issuer Call date and thereafter a floating rated indexed to EURIBOR3M + 1.078% p.a.until the Maturity Date Fixed rate of 1.982% per annum until the Issuer Call date and thereafter the then 1-Year Constant Maturity Treasury Rate (CMT Rate) + 1.200%, until the Maturity Date, paid semi-annually Fixed rate of 3.127% per annum until the Issuer Call date and thereafter the then 1-Year Constant Maturity Treasury Rate (CMT Rate) + 1.550%, until the Maturity Date, paid semi-annually Fixed rate of 0.60% per annum until the Issuer Call date and thereafter a floating rated indexed to EURIBOR3M + 0.984% p.a.until the Maturity Date Fixed rate of 0.80% per annum until the Issuer Call date and thereafter a floating rated indexed to EURIBOR3M + 0.90% p.a.until the Maturity Date Fixed rate of 0.925% per annum, payable annually until the Issuer Call Date and thereafter a floating rate indexed to EURIBOR3M + 0.85% p.a. payable quarterly until the Maturity Date. Fixed rate of 1.625% per annum Fixed rate of 5.94% per annum, payable annually until the Maturity Date EURIBOR 3M + 1.05% p.a., paid quarterly Fixed rate of 1.3% per annum until the Issuer Call date, paid annually, and thereafter a floating rated indexed to EURIBOR3M + 1.02%, until the Maturity Date, paid quarterly Fixed rate of 1.3% per annum until the Issuer Call date, paid annually, and thereafter a floating rated indexed to EURIBOR3M + 0.608%, until the Maturity Date, paid quarterly Fixed rate of 9.08% per annum, payable annually until the Maturity Date Fixed rate of 10.40% per annum, payable annually until the Maturity Date Fixed rate of 3.85% per annum, payable annually until the Maturity Date Fixed rate of 3.85% per annum, payable annually until the Maturity Date Fixed rate of 4.47% per annum, payable annually until the Maturity Date Fixed rate of 3.25% per annum, payable annually until the Maturity Date Fixed rate of 3.05% per annum, payable annually until the Maturity Date Fixed rate of 3.05% per annum, payable annually until the Maturity Date Fixed rate of 3.90% per annum, payable annually until the Maturity Date
19 Existence of a dividend stopper NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO
EU-20a Fully discretionary, partially discretionary or mandatory - in terms of timing Fully discretionary (**) Mandatory Mandatory Fully discretionary Fully discretionary Mandatory Mandatory Fully discretionary Mandatory Fully discretionary Mandatory Mandatory Mandatory Fully discretionary Mandatory Fully discretionary Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory
Fully discretionary, partially discretionary or mandatory - in terms of timing - reasons for discretion - - - Insufficient Available Distributable Items; Distributions exceeding Maximum Distributable Amount; Loss Absorption Event Insufficient Available Distributable Items;Distributions exceeding Maximum Distributable Amount;Loss Absorption Event;Full discretion at the option of the issuer; - - Insufficient Available Distributable Items;Distributions exceeding Maximum Distributable Amount;Loss Absorption Event;Full discretion at the option of the issuer; - Insufficient Available Distributable Items;Distributions exceeding Maximum Distributable Amount;Loss Absorption Event;Full discretion at the option of the issuer; - - - Insufficient Available Distributable Items;Distributions exceeding Maximum Distributable Amount;Loss Absorption Event;Full discretion at the option of the issuer; - Insufficient Distributable Items; not exceeding Maximum Distributable Amount; required to be cancelled by the Competent Authority; occurrence of a Contingency Event; full discretion of the Issuer - - - - - - - - - - - - - - - Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant Not relevant
EU-20b Fully discretionary, partially discretionary or mandatory - in terms of amount Fully discretionary (**) Mandatory Mandatory Fully discretionary Fully discretionary Mandatory Mandatory Fully discretionary Mandatory Fully discretionary Mandatory Mandatory Mandatory Fully discretionary Mandatory Fully discretionary Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory
21 Existence of step up or other incentive to redeem N/A NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO
22 Noncumulative or cumulative N/A (**) Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Cumulative Non cumulative Non cumulative Non cumulative Cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Non cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative
23 Convertible or non-convertible (8) N/A Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible Non Convertible
24 If convertible, conversion trigger(s) N/A - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
25 If convertible, fully or partially N/A - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
26 If convertible, conversion rate N/A - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
27 If convertible, mandatory or optional conversion N/A - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
28 If convertible, specify instrument type convertible into N/A - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
29 If convertible, specify issuer of instrument it converts into N/A - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
30 Write-down features N/A NO NO YES YES NO NO YES NO YES NO NO NO YES NO YES NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO
31 If write-down, write down triggers N/A - - Group or Issuer CET1 < 5.125% or the minimum trigger event ratio specified by the Regulation Group or Issuer CET1 < 5.125% or the minimum trigger event ratio specified by the Regulation - - Group or Issuer CET1 < 5.125% or the minimum trigger event ratio specified by the Regulation - Group or Issuer CET1 < 5.125% or the minimum trigger event ratio specified by the Regulation - - - Group or Issuer CET1 < 5.125% or the minimum trigger event ratio specified by the Regulation - Group or Issuer CET1 < 5.125% or the minimum trigger event ratio specified by the Regulation - - - - - - - - - - - - - - - N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
32 If write-down, full or partial N/A - - Fully or partially Fully or partially - - Fully or partially - Fully or partially - - - Fully or partially - Fully or partially - - - - - - - - - - - - - - - N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
33 If write-down, permanent or temporary N/A N/A N/A Temporary Temporary N/A N/A Temporary N/A Temporary N/A N/A N/A Temporary N/A Temporary N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
34 If temporary write-down, description of write-up mechanism (9) N/A - - If the Issuer or if permitted the Group records a net profit, the Issuer may, in its full discretion and subject to the Maximum Distributable Amount, increase the Prevailing Principal Amount of each note up to a maximum of the initial principal amount on a pro-rata basis with similar AT1 notes If the Issuer records a net profit, the Issuer may, in its full discretion and subject to the Maximum Distributable Amount, increase the Prevailing Principal Amount of each note up to a maximum of the initial principal amount on a pro-rata basis with similar AT1 notes - - If the Issuer records a net profit, the Issuer may, in its full discretion and subject to the Maximum Distributable Amount, increase the Prevailing Principal Amount of each note up to a maximum of the initial principal amount on a pro-rata basis with similar AT1 notes - If the Issuer records a net profit, the Issuer may, in its full discretion and subject to the Maximum Distributable Amount, increase the Prevailing Principal Amount of each note up to a maximum of the initial principal amount on a pro-rata basis with similar AT1 notes - - - If the Issuer records a net profit, the Issuer may, in its full discretion and subject to the Maximum Distributable Amount, increase the Prevailing Principal Amount of each note up to a maximum of the initial principal amount on a pro-rata basis with similar AT1 notes - If the Issuer records a net profit, the Issuer may, in its full discretion and subject to the Maximum Distributable Amount, increase the Prevailing Principal Amount of each note up to a maximum of the initial principal amount on a pro-rata basis with similar AT1 notes - - - - - - - - - - - - - - - N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
34a Type of subordination 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Statutory Statutory Statutory Statutory N/A N/A Statutory Statutory N/A N/A N/A Statutory N/A N/A Statutory N/A N/A Statutory N/A N/A N/A N/A N/A Statutory Statutory N/A N/A N/A N/A N/A N/A N/A N/A Statutory
EU-34b Ranking of the instrument in normal insolvency proceedings 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 4 IT 4 IT 4 IT 4 IT 5 IT 5 IT 4 IT 4 IT 5 IT 5 IT 5 IT 4 IT 5 IT 5 IT 4 IT 5 IT 5 IT 4 IT 5 IT 5 IT 5 IT 5 IT 5 IT 4 IT 4 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 5 IT 4
35 Position in subordination hierarchy in liquidation (instrument type immediately senior to instrument) Additional Tier 1 Senior non preferred Senior non preferred T2 and other pari passu subordinated instruments T2 and other pari passu subordinated instruments Senior non preferred Senior non preferred T2 and other pari passu subordinated instruments Senior non preferred T2 and other pari passu subordinated instruments Senior non preferred Senior non preferred Senior non preferred T2 and other pari passu subordinated instruments Senior non preferred T2 and other pari passu subordinated instruments Subordinated instruments Subordinated instruments Subordinated instruments Subordinated instruments Subordinated instruments Subordinated instruments Subordinated instruments Subordinated instruments Subordinated instruments Subordinated instruments Subordinated instruments Subordinated instruments Senior - Senior non preferred Senior - Senior non preferred Senior - Senior non preferred Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Senior preferred Senior preferred Senior preferred Senior preferred Other deposits Other deposits Senior preferred Senior preferred Other deposits Other deposits Other deposits Senior preferred Other deposits Other deposits Senior preferred Other deposits Other deposits Senior preferred Other deposits Other deposits Other deposits Other deposits Other deposits Senior preferred Senior preferred Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Other deposits Senior preferred
36 Non-compliant transitioned features NO YES YES YES NO NO NO NO NO NO NO NO NO NO NO NO YES YES YES YES YES YES YES YES NO YES YES YES NO NO NO NO YES YES YES YES YES YES YES YES YES YES YES YES YES NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO NO
37 If yes, specify non-compliant features - Lack of contractual recognition of bail-in on third country law Lack of contractual recognition of bail-in on third country law Missing waiver of set-off rights; lack of contractual recognition of bail-in on third country law - - - - - - - - - - - - Lack of contractual recognition of bail-in on third country law Lack of contractual recognition of bail-in on third country law Lack of contractual recognition of bail-in on third country law Lack of contractual recognition of bail-in on third country law Lack of contractual recognition of bail-in on third country law Lack of contractual recognition of bail-in on third country law Lack of contractual recognition of bail-in on third country law Lack of contractual recognition of bail-in on third country law - Lack of contractual recognition of bail-in on third country law Lack of contractual recognition of bail-in on third country law Lack of contractual recognition of bail-in on third country law - - - - Early redemption or repurchase not subject to competent authority authorization Early redemption or repurchase not subject to competent authority authorization Early redemption or repurchase not subject to competent authority authorization Early redemption or repurchase not subject to competent authority authorization Set off or netting agreement - Early redemption or repurchase not subject to competent authority authorization - Holder's right to accelerate payments Set off or netting agreement - Early redemption or repurchase not subject to competent authority authorization - Holder's right to accelerate payments Set off or netting agreement - Early redemption or repurchase not subject to competent authority authorization - Holder's right to accelerate payments Set off or netting agreement - Early redemption or repurchase not subject to competent authority authorization - Holder's right to accelerate payments Set off or netting agreement - Early redemption or repurchase not subject to competent authority authorization - Holder's right to accelerate payments Early redemption or repurchase not subject to competent authority authorization - Holder's right to accelerate payments Early redemption or repurchase not subject to competent authority authorization - Holder's right to accelerate payments Early redemption or repurchase not subject to competent authority authorization - Holder's right to accelerate payments Early redemption or repurchase not subject to competent authority authorization - Holder's right to accelerate payments - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
37a Link to the full term and conditions of the intrument (signposting) (10) - Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes". Please refer to note 10 in sheet "Notes".
(*) 'N/A' if the information is not applicable (**) The amount includes €609 million reclassified under Tier 2, related to the ordinary shares underlying the Usufruct contract (Cashes). With this respect, the information marked with double asterisk differ in the fields below as follows:
• Field 3: Italian Law (ordinary shares and usufruct), Luxembourg Law (company swap agreement and Cashes)
• Field 4: Tier 2
• Field 5: Tier 2
• Field 8: 609 millions
• Field 18: 4.9 * ((Euribor 3m + 4.50%), plus dividend adjustment equal to excess over 8% dividend yield paid on ordinary shares)
• Field 20a: Mandatory upon the occurrence of the payment conditions described in the Usufruct
• Field 20b: Mandatory upon the occurrence of the payment conditions described in the Usufruct
• Field 22: Non cumulative

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Notes
Notes to the tables of the "Capital instruments and TLAC eligible instruments main features template":
1. Please note that ISIN Guidelines (paragraph 7) states that "banking instruments or facilities such as bank loans are outside of the scope of the ISO-6166 standard and should not be identified by ISIN codes". Hence, the present section shows an internal identification code for those instruments classified as "Loans" in order to allow the identification of the terms and conditions listed on the Group website at the link given in the Note below. 2. If not specifically indicated, governing law of subordinated provisions follows the whole instrument's. 3. The post-transitional treatment will be defined taking into account applicable regulations, including CRR provisions in force at that date. 4. In case of instruments issued by Group's subsidiaries, the value represents the computable amount of the instrument, that is the basis for the calculation of minority interests. In case of Additional Tier 1 instruments in the transitional rules, the value represents the total computable amount (including both the quota in Additional Tier 1 and the quota reclassified in Tier 2 when exceeding the grandfathering limit calculated according to regulation). 5. In case of T2 instruments issued by the Parent Company with a maturity greater than or equal to one year, the regulatory amortization (excluded from the computable amount for Own Funds purposes) is included for TLAC purposes, therefore the computable amount is the overall value. 6. In case of TLAC eligible instruments subject to the application of art. 72b.3, the amount reported is referred to the computable amount for TLAC purposes before the application of the cap of 3.5% of the RWA. 7. For TLAC eligible instruments, the field is filled in with "YES" if the instrument includes an issuer call contractually subject to the prior permission of the resolution authority. In case the issuer call is not contractually subject to the prior permission of the resolution authority, the field is filled in with "NO", while the field "Option call date" reports the date on which the option can be exercised. If an eligible instrument includes an issuer call not contractually subject to the prior permission of the resolution authority, then it is classified as "grandfathered eligible liability". 8. All instruments are subject to the write-down and conversion powers of the resolution authority in the event of bail-in application. 9. The write-up mechanisms described are aligned with the original Final Terms & Conditions; therefore, the classification of instruments is coherent with the regulatory framework in force at the issuance date. 10. With reference to the disclosure requirements stated under the CRR article 437, paragraph 1, letter c) ("Institutions shall disclose "the full terms and conditions of all Common Equity Tier 1, Additional Tier 1, Tier 2"), the following link: https://www.unicreditgroup.eu/it/investors/debt-investors/funding-programmes-and-prospectuses/bank-capital.html reports the required information for the subordinated instruments issued in public by UniCredit Group and computable in the consolidated Own Funds. In addition, with reference to the disclosure requirements stated under the CRR article 437a, paragraph 1, letter c) (Institutions that are subject to Article 92a or 92b shall disclose "the total amount of each issuance of eligible liabilities instruments"), the following link: https://www.unicreditgroup.eu/it/investors/debt-investors/funding-programmes-and-prospectuses/tlac-instruments.html reports the full terms and conditions of all TLAC eligible instrument ("Senior Preferred" and "Senior non-Preferred") issued by UniCredit Group.

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UniCredit S.p.A. published this content on 09 November 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 11 November 2022 09:01:05 UTC.