Itau Unibanco Holding S.a. · BMFBOVESPA:ITUB3
Itau Unibanco — Investor Presentation (May 2026)
21 slides from Itau Unibanco's investor presentation, May 2026
Slide 1: Institutional Presentation
Institutional Presentation
Slide 2: Recurring Managerial Result and key figures
Recurring Managerial Result With 101 years of history, we are the BRL12.3 bn in 1Q26 94.6% Brazil | 5.4% Latin America³ largest bank in Latin America* We are the most valuable brand4 in South America USD 9.9 bn Market Value¹ Total Assets² USD 96 bn BRL 3,200 bn We are a universal bank present in wit
Slide 3: Our culture: We @ Itubers
We @ Itubers are determined @ Itubers are ambitious We are put the to wow the client. in their goals and efficient driven i H @ Itubers innovate based in their execution. client first on the client’s needs. @ Itubers are commited by results @ Itubers always make to sustainable growth. things simple.
Slide 4: Our ability to adapt, innovate and change has enabled us to get where we are now
Our ability to adapt, innovate and change has enabled us to get where we Click Here for more Info are now Casa Moreira Salles Banking (Unibanco) opens the automation 1983 One of the four top banking division in 1924 begins First ATM in Brazil First bank with data processing 1979 and Banco Central de
Slide 5: We offer a complete ecosystem...
We offer a complete ecosystem... Individuals Integrated systems enable the best and most complete experience allowing our customers full access to our solutions in a simple and tempestive manner. Income up Income from Income over BRL15 k Over BRL10 million to BRL7 k BRL7 k to or BRL250 k in in inves
Slide 6: ... with the most complete portfolio of financial products and services
A gente ... with the most complete portfolio of financial products and services trabalha para o cliente Acquiring Credit Cards Derivatives Payments (Laranjinha) We have a card for each client profile. We have the right solution for any scenario. Payments and Receivables done fast and safe. Digital w
Slide 7: Our clients choose how they want to be served...
Our clients choose how they want to be served... Remote In-Person Digital Interactions² in 1Q26 WhatsApp Click to human 2.4 k Corporate Branches E-mail Bankline 100% 12.9 k Individuals Telephone Mobile banking 100% of the ATMs3 97% features in the In Brazil and in our Other Latin Chat American¹ oper
Slide 8: ... that's why it's so important to listen to our clients
... that's why it's so important to listen to our clients Our team is obstinate in delighting clients... The client is the focus Broad coverage in measuring business NPS, as well as the experience of our of everything we do products and services Our commitment: to +70k¹ calls +60k¹ Structured feedba
Slide 9: Technology enables the best possible service to our customers
Technology enables the best possible service to our customers Conversational generative AI solutions focused on clients Method Itaú Intelligence Quality Speed (Pix on WhatsApp, Wealth Specialist and Itaú Emps) Design Technology AI-driven strategy that enhances efficiency and creates hyper- experienc
Slide 10: Digital and cultural transformation generates efficiency gains and competitiveness
Digital and cultural transformation generates We create value in a consistent way efficiency gains and competitiveness We are organized into Continuous investment in multidisciplinary teams in the technology 39.6 model of communities/tribes 1Q26 vs 2018 37.0 38.0 38.8 38.3 37.1 +Solution 3xdevelopme
Slide 11: Our ESG strategy has evolved
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 and
Slide 12: Diversity and development
Diversity and development ESG strategic goals Workforce diversity profile Gender Leadership Hiring Women positions flow Goal: 35% to 40% Goal: >50% 5% 10% 53.6% people with LGBTI+³ of employees by the end of 2025 36.1% 51.1% disabilities² In 2025 In 2025 Age Retention 31.4% 51.1% Under 30 years old
Slide 13: A diverse team is essential...
A diverse team is essential… ESG strategic goals By 2030, allocate BRL 34.7 billions Engage 100% of suppliers in ESG in credit for women-led businesses² By 2026, to have the ESG questionnaire answered by 100% BRL 23 billions by the end of 2025 (+9.3% vs 2024) of our suppliers. 73% achieved By 2030,
Slide 14: Net Zero by 2050
…to better understand and serve our clients Strategic Objectives Sectoral decarbonization goals Priority carbon-intensive sectors for aligning our portfolio Commitment with scenarios that limit climate change to 1.5°C. Net Zero by 2050 We want to become a bank with net-zero carbon emissions Reduce b
Slide 15: The sustainability of our performance is reinforced by our commitments to positive impact...
The sustainability of our performance is reinforced by our commitments to positive impact... ESG strategic goals We allocated BRL 577.6 bn Financing in sectors with a positive of resources to sustainable finance impact of between jan/20 e feb/26 BRL 1 trillion feb/26 57.7% by the end of 2030 dec/25
Slide 16: ... and by the focus in sustainable value creation
... and by the focus in sustainable value creation 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q25 1Q26 ROE Average Cost of Capital Increase of BRL billion 26% in value creation 1Q26 x 1Q25 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q25 1Q26 Recurring Man
Slide 17: We have been presenting higher revenue with a cost discipline...
We have been presenting higher revenue with a cost discipline... Clients NII Market NII Cost of Credit 1Q26 0.7% 1Q26 vs. 4Q25 1Q26 37.4% 1Q26 vs. 4Q25 1Q26 2.5% 1Q26 vs. 4Q25 BRL 31.5 bn 4.5% 1Q26 vs. 1Q25 BRL 0.8 bn 11.2% 1Q26 vs. 1Q25 BRL 10.0 bn 4.5% 1Q26 vs. 1Q25 (BRL billion) (BRL billion) (BR
Slide 18: ...without overlooking risk management
...without overlooking risk management Credit Portfolio¹ 90 days NPL including securities Tier I capital ratio 0.5 % 0.0 p.p. 0.4 p.p. Mar-26 Mar-26 vs. Dec-25 Mar-26² Mar-26 vs. Dec-25 Mar-26 Mar-26 vs. Dec-25 BRL 1,483 bn 7.2 % 1.9% 0.0 p.p. 13.4% 0.7 p.p. Mar-26 vs Mar-25 Mar-26 vs Mar-25 Mar-26
Slide 19: Exploring possible growth paths in different businesses
Exploring possible growth paths in different businesses Insurance Potential growth in the sector Individuals - More engagement and focus on being the clients’ primary bank and increase penetration in our individual and corporate client base One Itaú - one of the Corporate Beyond banking - throughout
Slide 20: 2026 Guidance
2026 Guidance 2026 Guidance Total credit portfolio¹ Growth between 5.5% and 9.5% Credit portfolio - Brazil Growth between 6.5% and 10.5% Financial margin with clients Growth between 5.0% and 9.0% Financial margin with the market Between BRL 2.5 bn and BRL 5.5 bn Cost of credit² Between BRL 38.5 bn a
Slide 21: Investor Relations
Investor Relations (11) 2794-3547 | ri@itau-unibanco.com.br | www.itau.com.br/relacoes-com-investidores/en/ 21
Itaú Unibanco Holding — Investor Presentation (May 2026) on 6ix