Itau Unibanco Holding SA
BOVESPA:ITUB4
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Itau Unibanco Holding SA
Itaú Unibanco Holding SA provides financial products and services to individual and corporate clients in Brazil and abroad. The company is headquartered in Sao Paulo, Sao Paulo. The company went IPO on 2002-12-30. The Company’s activities are divided into three business segments: Retail Business, Wholesale Business, and Activities with the Market and Corporations. The Retail Business segment’s offering includes personal loans, credit cards, payroll deducted loans, vehicle financing, mortgage loans, insurance, pension plan and premium bond products. The Wholesale Business segment offers services and products to private banking clients, such as asset management, capital market solutions, corporate and investment banking activities. The Activities with the Market and Corporations Business segment manages interest income associated with the Company’s capital surplus, subordinated debt surplus and the net balance of tax credits and debits. Itau Unibanco Holding serves individuals and corporate clients.
Itaú Unibanco Holding SA provides financial products and services to individual and corporate clients in Brazil and abroad. The company is headquartered in Sao Paulo, Sao Paulo. The company went IPO on 2002-12-30. The Company’s activities are divided into three business segments: Retail Business, Wholesale Business, and Activities with the Market and Corporations. The Retail Business segment’s offering includes personal loans, credit cards, payroll deducted loans, vehicle financing, mortgage loans, insurance, pension plan and premium bond products. The Wholesale Business segment offers services and products to private banking clients, such as asset management, capital market solutions, corporate and investment banking activities. The Activities with the Market and Corporations Business segment manages interest income associated with the Company’s capital surplus, subordinated debt surplus and the net balance of tax credits and debits. Itau Unibanco Holding serves individuals and corporate clients.
Strong Net Income: Net income reached BRL 11.5 billion, up 3.4% quarter-over-quarter and 14.3% year-over-year, supported by solid performance across all business lines.
ROE Expansion: Return on equity (ROE) climbed to 23.3% consolidated and 24.4% in Brazil, both increasing sequentially and annually.
NII and NIM Growth: Net interest income (NII) with clients grew 3.1% QoQ and 15.4% YoY; net interest margin (NIM) rose to 9.2% overall and 10% in Brazil, reaching pre-pandemic levels.
Guidance Raised: Guidance for NII with clients was raised to 11–14% growth (from 7.5–11.5%), reflecting stronger than expected performance.
Stable Asset Quality: NPL over 90 days remained low at 1.9% consolidated (2.0% in Brazil), with cost of credit flat at 2.7%, well below historical averages.
Efficiency Improvements: Efficiency ratio improved to 36.4% in Brazil (down from 37.0%) and 38.4% consolidated, driven by digital investments and disciplined cost management.
Solid Capital Generation: CET1 ratio increased to 13.1%, with strong organic capital generation and ongoing liability management.
Digital Acceleration: Over 10 million clients migrated to the One Itau platform; digital origination and engagement metrics showed strong growth, underpinning future efficiency gains.
