Itau Unibanco Holding S.a. · BMFBOVESPA:ITUB3
Itau Unibanco — Q2 2026 Earnings Presentation
52 slides from Itau Unibanco's earnings presentation, Aug 5, 2026
Slide 1: Announcement to the Market 2nd Quarter 2026 Results
Announcement to the Market 2nd Quarter 2026 Results Itaú Unibanco Holding S.A. (“Company”) announces to its stockholders and to the market in general that the Complete Financial Statements for the year ended June 30, 2026, and the Management Discussion and Analysis for the 2nd Quarter of 2026 are al
Slide 2: Announcement to the Market Attachment 01 (Portuguese only)
Announcement to the Market Attachment 01 (portuguese only)
Slide 3: São Paulo, Agosto de 2026 Itaú Unibanco Holding S.A.
1 São Paulo, 05 de Agosto de 2026 Itaú Unibanco Holding S.A.
Slide 4: Destaques
2 Destaques (1) Considerando o Capital Principal (CET I) em 11,5%, no 2T26 o retorno recorrente gerencial consolidado seria de 25,1% e no Brasil seria 26,7%. 2T26 1,0% vs 1T26 7,8% vs 2T25 R$ 12,4 bilhões Resultado recorrente gerencial 2T26 0,5 p.p. vs 1T26 1,0 p.p. vs 2T25 ROE recorrente gerencial¹
Slide 5: Carteira de crédito
3 jun/26 mar/26 D jun/25 D Pessoas físicas 487,1 479,5 1,6% 451,9 7,8% Cartão de crédito 150,4 150,2 0,1% 141,1 6,6% Crédito pessoal 68,1 68,6 -0,6% 67,4 1,1% Crédito consignado 81,3 78,6 3,5% 72,8 11,7% Veículos 35,1 35,7 -1,7% 36,2 -3,3% Crédito imobiliário 152,2 146,4 3,9% 134,4 13,3% Micro, pequ
Slide 6: Receita de serviços e seguros
4 (1) Considera receitas de administração de fundos e de administração de consórcios; (2) Inclui as receitas de seguros, previdência e capitalização, após as despesas com sinistros. em R$ bilhões Receita de serviços e seguros 2T26 1T26 D 2T25 D 1S26 1S25 D Cartões emissor 3,3 3,3 0,4% 3,2 0,9% 6,5 6
Slide 7: Qualidade do crédito
5 2,3% 2,2% 1,6% 1,8% 1,7% 2,0% 1,6% 1,7% 1,8% 2,3% 2,1% 1,5% 1,7% 1,6% 1,9% 1,5% 1,7% 1,7% 2,5% 2,4% 2,3% 2,2% 2,3% 2,2% 2,1% 2,1% 2,2% jun/24 set/24 dez/24 mar/25 jun/25 set/25 dez/25 mar/26 jun/26 NPL 15 - 90 dias - % Pessoas físicas Brasil Total Micro, pequenas e médias empresas América Latina G
Slide 8: Programa Desenrola
6 Programa Desenrola Informações até junho de 2026 Fonte: Dados internos do Itaú Unibanco. 371 mil clientes atendidos R$ 1,1 bi renegociados até jun/26 12% de market share R$ 275 M Carteira Desenrola Impacto imaterial no resultado e na qualidade do crédito
Slide 9: Índice de Eficiência e despesas não decorrentes de juros
7 39,6% 37,0% 38,0% 38,8% 38,3% 37,1% 37,4% 37,5% 37,3% 37,4% 35,1% 36,3% 37,1% 36,4% 34,9% 35,5% 35,7% 35,2% 4T24 1T25 2T25 3T25 4T25 1T26 2T26 1S25 1S26 Consolidado Brasil Índice de Eficiência (%) Em R$ bilhões Despesas não decorrentes de juros 2T26 1T26 D 2T25 D 1S26 1S25 D Comercial e administra
Slide 10: Guidance 2026
8 (1) Inclui garantias financeiras prestadas e títulos privados; (2) Composto por despesa de perda esperada, descontos concedidos e recuperação de créditos baixados como prejuízo; (3) Receitas de prestação de serviços (+) resultado de operações de seguros, previdência e capitalização (+) despesas co
Slide 11: O que é a nova experiência de relacionamento
9 O que é a Um assessor e copiloto financeiro que sabe quem você é, lembra do que importa para você, entende o que você precisa, e se antecipa às suas necessidades... Banco transacional que você acessa Hiperpersonalização em escala Produtos organizados no aplicativo Relação direta com clientes 3 mud
Slide 12: São Paulo, Agosto de 2026 Itaú Unibanco Holding S.A.
10 São Paulo, 05 de Agosto de 2026 Itaú Unibanco Holding S.A.
Slide 13: Announcement to the Market Attachment 02
Announcement to the Market Attachment 02
Slide 14: São Paulo, August 5th 2026 Itaú Unibanco Holding S.A.
1 São Paulo, August 5th 2026 Itaú Unibanco Holding S.A.
Slide 15: Highlights
2 Highlights (1) Considering the Common Equity Tier I (CET I) at 11.5%, in 2Q26 the consolidated recurring managerial return would have been 25.1% in the consolidated and 26.7% in Brazil. 2Q26 1.0% vs 1Q26 7.8% vs 2Q25 R$12.4 billion Recurring managerial result 2Q26 0.5 p.p. vs 1Q26 1.0 p.p. vs 2Q25
Slide 16: Credit portfolio
3 Jun-26 Mar-26 D Jun-25 D Individuals 487.1 479.5 1.6% 451.9 7.8% Credit card loans 150.4 150.2 0.1% 141.1 6.6% Personal loans 68.1 68.6 -0.6% 67.4 1.1% Payroll loans 81.3 78.6 3.5% 72.8 11.7% Auto loans 35.1 35.7 -1.7% 36.2 -3.3% Mortgage 152.2 146.4 3.9% 134.4 13.3% Very small, small and middle m
Slide 17: Financial margin with clients
4 31.5 27.8 28.6 32.6 -3.7 0.3 -0.03 0.1 0.2 0.2 3.9 1Q26 Working capital and others 1Q26 Spread-sensitive operations 1Q26 Average Volume Product Mix Spreads and liabilities' margin Calendar and working days Latin America and others Spread-sensitive operations 2Q26 Working capital and others 2Q26 2Q
Slide 18: Financial margin with the market
5 Financial margin with the market Brazil Latin America Capital index hedge in R$ billion 0.2 0.3 0.2 0.2 0.2 1.3 1.3 1.1 1.3 1.4 0.9 0.9 0.6 0.8 0.9 -0.6 -0.7 -0.7 -0.7 -0.7 2Q25 3Q25 4Q25 1Q26 2Q26
Slide 19: Commissions, fees and result from insurance
6 (1) Includes fund management fees and “consórcio” management fees; (2) Result from insurance includes the revenues from insurance, pension plan and premium bonds operations net of retained claims. Commissions, fees and result from insurance 2Q26 1Q26 D 2Q25 D 1H26 1H25 D Card issuance 3.3 3.3 0.4%
Slide 20: Credit quality
7 15 - 90 days NPL - % Individuals Brazil Total Very small, small and Middle market Latin America Corporate consolidated -0.02 p.p. 90 days NPL- % Brazil consolidated Brazil Note: In the second quarter of 2026, we sold loans with low probability of recovery to unrelated companies and without risk re
Slide 21: Credit quality – Resolution 4,966 ratios
8 4.3% 4.2% 4.1% 4.0% 4.2% 4.1% 8.0% 7.8% 7.6% 7.4% 7.5% 7.4% 4.6% 4.6% 4.4% 4.1% 4.0% 4.1% 1.8% 1.8% 1.9% 1.9% 2.1% 2.0% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 4.4% 4.3% 4.2% 3.9% 4.0% 4.1% 5.8% 5.9% 5.8% 5.8% 5.7% 5.9% 4.3% 4.2% 4.0% 3.8% 3.7% 3.5% 3.5% 3.3% 3.3% 2.7% 3.1% 3.1% Mar-25 Jun-25 Se
Slide 22: Quality and cost of credit
9(1) Expected loss expenses + recovery of loans + discounts granted. (2) Cost of credit over the average portfolio; (3) Loan portfolio balance ex- financial guarantees provided. Annualized cost of credit / Loan portfolio² - (%) Cost of credit¹(in R$ billion) Renegotiated portfolio (Credit and securi
Slide 23: Non-interest expenses and efficiency ratio
10 Consolidated Brazil Efficiency ratio (%) In R$ billion Non-interest expenses 2Q26 1Q26 D 2Q25 D 1H26 1H25 D Commercial and administrative (personnel) (6.5) (6.5) 0.7% (6.6) -0.5% (13.0) (12.6) 3.2% Transactional (personnel, operations and services) (4.1) (3.9) 5.3% (4.0) 3.5% (8.0) (7.9) 1.3% Tec
Slide 24: Capital
11(1) Includes Prudential and equity adjustments.(2) Considering the limit of 1.5% for AT1, according to CMN Res. No. 4,958. Without this limit, the AT1 would be 1.7%. Capital Mar-26 Common Equity Tier I (CET I) – Net income Jun-26 Tier I capital + 0.8% 1.5%² 12.3% Risk weighted assets1 -0.1% 13.8%
Slide 25: 2026 Guidance
12 2026 Guidance Previous Total credit portfolio¹ Credit portfolio - Brazil Financial margin with clients Cost of credit² Financial margin with the market Commissions and fees and results from insurance operations³ Non-interest expenses Effective tax rate Growth between 5.5% and 9.5% Growth between
Slide 26: São Paulo, August 5th 2026 Itaú Unibanco Holding S.A.
13 São Paulo, August 5th 2026 Itaú Unibanco Holding S.A.
Slide 27: Additional information
14 Additional information
Slide 28: Results
15 Results (1) Revenues from Insurance includes the Revenues from Insurance, Pension Plan and Premium Bonds Operations before Retained Claims. In R$ million 2Q26 1Q26 2Q25 1H26 1H25 Operating Revenues 47,985 46,822 2.5% 45,828 4.7% 94,807 90,622 4.6% Managerial Financial Margin 33,488 32,326 3.6% 31
Slide 29: Business model
16 Business model (1) Revenues from Insurance includes the Revenues from Insurance, Pension Plan and Premium Bonds Operations before Retained Claims . (2) Include Tax Expenses (ISS, PIS, COFINS and other) and Minority Interests in Subsidiaries. Total Credit Trading Insurance & services Excess capita
Slide 30: São Paulo, August 5th 2026 Itaú Unibanco Holding S.A.
17 São Paulo, August 5th 2026 Itaú Unibanco Holding S.A.
Slide 31: Announcement to the Market Attachment 03
Announcement to the Market Attachment 03
Slide 32: Institutional Presentation
Institutional Presentation
Slide 33: The largest bank in Latin America
With 101 years of history, we are the largest bank in Latin America* Market Value¹ USD 96 bn Total Assets² R$3,227 bn Loan Portfolio² R$1,522.4 bn Recurring ROE³ 24.3% Efficiency Ratio in Brazil5 36.0% Employees in Brazil and overseas² 90.4 k We are the only bank in Latin America making up the Dow J
Slide 34: We put the client first
We put the client first answers @ Itubers are determined towow the client. Itubers innovate based onthe client’s needs. @ Itubers always make things simple. @ Itubers are curious about the world and are always learning. @ Itubers test, make mistakes, learn and improve. @ Itubers use data intensively
Slide 35: Company history timeline
4 1924 Casa Moreira Salles (Unibanco) opens the banking division in 1924 and Banco Central de Crédito (Itaú) opens in 1943 1960 First credit and debit cards Our ability to adapt, innovate and change has enabled us to get where we are now 1970 1980 2000 200220072008201220142019 2020 2022 2023 2024 On
Slide 36: We offer a complete ecosystem
We offer a complete ecosystem... Integrated systems enable the best and most complete experience allowing our customers full access to our solutions in a simple and tempestive manner. We work to offer a full digital operation delivering the best products and services for our clients with a very comp
Slide 37: The most complete portfolio of financial products and services
6 Acquiring (Laranjinha) Digital wallets, contactless payment and more than 50 brands. Loans 100% online through the app or at the branches. Mortgage Exclusive service and support throughout the process. And many more solutions for our customers! ... with the most complete portfolio of financial pro
Slide 38: We serve clients how, when and where they want
We serve clients how, when and where they want to be served 2.2 k Branches In-Person 11.8 k ATMs3 In Brazil and in our Other Latin American¹ operations WhatsApp E-mail Telephone Chat Click to human Bankline Mobile banking 100% of the features in the App Our footprint is constantly optimized by our c
Slide 39: Our commitment to serve our clients
Our commitment: to serve our clients where, when and how they want to be served The client is the focus of everything we do Access to the same type of service, independently of the channel Our team is obstinate in delighting clients... Robust innovation ecosystem based on clients needs ... and alway
Slide 40: Technology enables the best possible service
9 Technology enables the best possible service to our customers 99% Quality 1H26 x 1H18 increase in the volume of change deployments and technology updates reduction in UX high- impact incidents reduction in the cost of single transactions 2,937% Speed 1H26 x 1H18 45% Cost 1H26 x 1H18 Quality Method
Slide 41: We create value in a consistent way
10 We create value in a consistent way We are organized into multidisciplinary teams in the model of communities/tribes Team-work to understand our clients' needs and to offer what they need when they need them Digital and cultural transformation generates efficiency gains and competitiveness > 20k
Slide 42: Our ESG strategy has evolved
11 Our ESG strategy has evolved Our ESG Strategy is supported by a solid foundation of governance and conduct, focusing on three pillars of action: Diversity and development Promote diversity and inclusion, fostering the social and financial development of people and companies in favor of a fairer a
Slide 43: A diverse team is essential
12 A diverse team is essential... Women 53.6% of employees by the end of 2025 Black 30.4% of employees by the end of 2025 Leadership positions Goal: 35% to 40% Hiring flow Goal: >50% Full time employees¹ Goal: 27% to 30% Hiring flow Goal: >40% Notes: The indicators are included in our ESG 2025 Repor
Slide 44: To better understand and serve our clients
13 …to better understand and serve our clients Engage 100% of suppliers in ESG 1 List composed of 100 suppliers selected based on social, environmental, climate and governance risk criteria, in addition to the volume and relevance of contracts and the direct impact on the business. 2 Companies in wh
Slide 45: Net Zero by 2050 and sectoral decarbonization goals
14 ¹ Scope 2 - By purchase choice.² Except for financed emissions and commuting (categories 15 and 7). Steel: 23% Aluminum 19% Coal: Phase-out Transportation: 44% Cement: 23% Electricity Generation: 63% Sectoral decarbonization goals Priority carbon-intensive sectors for aligning our portfolio with
Slide 46: Commitments to positive impact
15 The sustainability of our performance is reinforced by our commitments to positive impact... ESG strategic goals Financing in sectors with a positive impact of R$1 trillion by the end of 2030 Directed for credit operations and financing for the sustainable economy from 2020¹. 1 (1) As of Jan-2025
Slide 47: Focus on sustainable value creation
16 ... and by the focus in sustainable value creation Average Cost of CapitalROE Recurring Managerial Result Value Creation Cost of Capital R$ billion 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1H25 1H26 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1H25 1H26
Slide 48: Higher revenue with cost discipline
17 2Q26 R$32.6 bn Clients NII 3.3% 2Q26 vs. 1Q26 (R$ billion) 5.1% 2Q26 vs. 2Q25 We have been presenting higher revenue with a cost discipline... 22.0 24.9 27.1 31.0 2Q22 2Q23 2Q24 2Q25 2Q26 R$14.1 bn Commissions and insurance 0.4% 2Q26 vs. 1Q26 (R$ billion) 3.6% 2Q26 vs. 2Q25 2Q26 R$16.7 bn Non-int
Slide 49: Without overlooking risk management
18 (1) Includes financial guarantees provided and private bonds; (2) Starting on 4Q24, 90 days NPL includes securities. Excluding the effect of credit sales (more details in the report “Management analysis of the operation and complete financial statements 2Q26”); (3) Considering the limit of 1.5% f
Slide 50: One Itaú
19 One Itaú - one of the main levers in the short term to intensify relationships with our clients Individuals - More engagement and focus on being the clients’ primary bank Insurance More than 20 products and services offered at our open platform and more than 15 partners Potential growth in the se
Slide 51: 2026 Guidance
2026 Guidance 20(1) Includes financial guarantees provided and private securities; (2) Composed of expected loss expenses, discounts granted and recovery of loans written off as losses; (3) Commissions and fees (+) income from insurance, pension plan and premium bonds operations (+) expenses for cla
Slide 52: Investor Relations
21 +55 (11) 2794-3547 | ri@itau-unibanco.com.br | www.itau.com.br/relacoes-com-investidores/en/ Investor Relations
Itau Unibanco Holding — Q2 2026 Earnings Presentation on 6ix