Itau Unibanco Holding S.a. · BMFBOVESPA:ITUB3
Itau Unibanco — Investor Day (September 2025)
18 slides from Itau Unibanco's investor day presentation, Sep 2, 2025
Slide 1: Announcement to the Market
Announcement to the Market Itati Day 2025 In compliance with Official Letter No. 7/2020-CVM/SEP, Itai Unibanco Holding S.A. (“Company”) announces to its shareholders and the market in general that the Company’s executives will join the live event “Itati Day 2025”, about “The developments in our busi
Slide 2: Itaú Day, September 02, 2025
September 02, 2025 ” 9 Itau Day s
Slide 3: Institutional Panel
Institutional Panel
Slide 4: Data-driven culture and use of AI
__ Ttubers use data intensively, tolearn, and to make better decisions Weare the client driven by Use of Al for first. results. building tisk models we treasure Weave diversity each other’s and inclusion. back.
Slide 5: Efficiency ratio and technology expenses
Meer otis T5k over 130 million views legal analyses per month Efficiency 69% Transactional +40% Ratio 59% and Technology ath hens 49% Expenses 39% blots 40% 1994 2004 2014 2024
Slide 6: Retail Panel
Retail Panel
Slide 7: Client growth in the portfolio
5 Moods evo 2 + E% hi i Doubledite Gh-income _Clientsinthe Portfolio’ inthe sit
Slide 8: Leadership in credit origination and results
nha 2 Leadersiit cr Criginati ng Davate players Over thepast 5 yet a ag Restité tripledin 2 years gon above mari eves Biarcet ches 2x financial results Private Asset Recovery Of Loans: above 70% prance +50% of smal Compares Qrowth.comes fron individualélients
Slide 9: Engagement and transformation strategy
Engagement >80% in clients with relationshipsin both individual andSMes Transformation strategy based on five pillars: Technology 7 50% of the long term growth comes from who already is our clien
Slide 10: Programa PJ 2030
Programa PJ 2030 Record-low NPLs Study in partnership with the Getulio Vargas Foundation (FGV) 0-8 30% fraety 25% prosuars 70% sPersoring & g s +f B S Customer Engagement Scalable inseam pao prition _ , Reality
Slide 11: Fully-digital model for entrepreneurs
@ ‘ © Developed in 6 months Mps- © Co-created with clients © GenAl supporting Fully-digital entrepreneurs’ daily activities model estat ‘ecieneine ‘Tecnologia tad R&D Institute with researchlines in frontier technologies suchas (Extended reality
Slide 12: Wholesale Panel
Wholesale Panel
Slide 13: Institutional Investor survey and opportunity to double results
Institutional Investor survey, renamed Extel Private Lif un = i atte R11 1 ial Opportunity to double results international _ financial markets ra] +
Slide 14: Issuances structured by Itaú BBA
2024 fe) of issuances structured 1 4 by Itad BBA distributed © viaionand Private market share in private credit ®.-.. inate ION
Slide 15: Retail brokerage revenue and client chain
6 more revenue from our retail brokerage business Benefits (_theclient _) Global for all =a TnVestmert nes links —_ Sees _ ‘ in the chain (_ theclient’sclient 75 points
Slide 16: Private bank credit and deposits
18.8% incredit 44:82 in deposits Most efficient Private bank
Slide 17: Paraguay and Chile; Rio Grande do Sul support
Paraguay Chile =o ou Ist place Most efficient = INNPS forthe private bank Attreonsecutiveyear imParaguay in.2025 (Retail) Over BRL 500 billion already allocated BRL 1 trillion by 2030 to support Rio Grande do Sul
Slide 18: Reverte and EcoInvest Programs
Reverte Program 260khectares are equivalent Itat provides financial solutions forconverting degraded areas into productive land to w 0 over 360k soccer fields tac} syngenta Ecolnvest Program Leader in local market bynumber of operations
Itau Unibanco Holding — Investor Day (September 2025) on 6ix