Itau Unibanco Holding S.a. · BMFBOVESPA:ITUB3

Itau Unibanco — Q1 2026 Earnings Presentation

19 slides from Itau Unibanco's earnings presentation, May 6, 2026

  1. Slide 1: Itaú Unibanco Holding S.A.

    São Paulo, May 6th 2026 Itaú Unibanco Holding S.A. 1

  2. Slide 2: Highlights

    Highlights 1Q26 1Q26 Recurring Recurring managerial R$ 12.3 billion managerial CONSOLIDATED 24.8% result¹ ROE² 0.3% vs 4Q25 10.4% vs 1Q25 0.4 p.p. vs 4Q25 2.3 p.p. vs 1Q25 BRAZIL 26.4% 0.4 p.p. vs 4Q25 2.8 p.p. vs 1Q25 Mar-26 1Q26 Credit portfolio Non-interest (ex- fx R$ 1,483 billion expenses R$ 16

  3. Slide 3: Credit portfolio

    Credit portfolio In R$ billion Mar-26 Dec-25  Mar-25  Individuals 479.5 474.3 1.1% 448.8 6.8% Credit cards Mar-26 x Dec-25 Mar-26 x Mar-25 Credit card loans 150.2 153.5 -2.1% 138.9 8.2% Target clients 0.0% 9.9% Uniclass + Personnalité 0.5% 20.2% Personal loans 68.6 67.4 1.8% 67.3 1.8% Payroll loan

  4. Slide 4: Financial margin with clients

    Financial margin with clients In R$ billion R$0.2 bn (-0.7%) R$0.4 bn (+1.1%) R$0.1 bn (+0.3%) 31.7 27.7 0.4 0.5 4.2 32.1 31.5 27.8 -4.0 -0.1 -0.6 -0.1 -0.6 4Q25 Working capital¹and Spread-sensitive Average Volume Product Mix 2 ​ Spreads and liabilities' Calendar and working Latin America and Spread

  5. Slide 5: Financial margin with the market

    Financial margin with the market in R$ billion Brazil Latin America Capital index hedge 0.9 0.9 0.8 0.9 0.6 1.3 1.3 1.3 1.2 1.1 0.2 0.2 0.3 0.2 0.2 -0.5 -0.6 -0.7 -0.7 -0.7 1Q25 2Q25 3Q25 4Q25 1Q26 5

  6. Slide 6: Commissions, fees and result from insurance

    Commissions, fees and result from insurance in R$ billion 1Q26 4Q25  1Q25  Card issuance 3.3 3.5 -6.3% 3.2 1.5% Current account for individuals 0.5 0.6 -5.1% 0.7 -21.5% Credit operations and guarantees issued 0.6 0.6 5.5% 0.6 5.4% Payments and collections 2.0 2.2 -9.2% 2.1 -7.0% Asset management¹

  7. Slide 7: Credit quality

    Credit quality 15 - 90 days NPL - % 90 days NPL- % Consolidated Consolidated 2.3% 2.1% 2.0% 2.1% 2.3% 2.2% 2.0% 2.0% 2.0% 2.2% 2.1% 2.1% Brazil 2.0% 1.9% 1.9% 1.9% 1.9% 1.9% Total 1.6% 1.8% 1.7% 2.0% 1.7% 1.6% Latin 1.9% America 1.7% 1.6% 1.7% 1.4% 1.4% 1.5% 1.5% 1.3% 1.3% 1.2% 1.1% Dec-24 Mar-25 Ju

  8. Slide 8: Credit Quality

    Credit Quality Individuals | indebtedness¹ ex-mortgage SMEs | Collateralized portfolio Total Very small and Small Target 123 Total 123 70% 55% 105 106 36% 37% 100 100 Dec-19 Jan-26 Dec-19 Jan-26 Dec-19 Mar-26 Dec-19 Mar-26 Individuals | Over 90 days NPL ( vs Dec-19) Personal 5.1% 21 % Agribusiness

  9. Slide 9: Credit quality – Resolution 4,966 ratios

    Credit quality – Resolution 4,966 ratios Stage 2 portfolio Stage 3 portfolio 8.0% 6.0% 5.8% 5.9% 5.8% 5.8% 7.7% 7.8% 7.6% 5.7% 7.4% 7.5% 4.6% 4.6% 4.6% 4.4% 4.4% 4.1% 4.2% 4.4% 4.3% 4.2% 3.9% 4.0% 4.1% 4.3% 4.2% 4.1% 4.0% 4.0% 4.2% 4.3% 4.2% 4.0% 1.9% 2.1% 3.8% 3.7% 1.7% 1.8% 1.8% 1.9% 3.5% 3.5% 3.3

  10. Slide 10: Quality and cost of credit

    Quality and cost of credit 2.7% 2.7% 2.7% 2.7% 2.7% 9.5 9.4 9.4 9.7 10.0 Cost of credit¹ (in R$ billion) Annualized cost of credit / Loan portfolio² - (%) 1Q25 2Q25 3Q25 4Q25 1Q26 3.2% 3.1% 3.0% 2.6% 2.6% Renegotiated portfolio (Credit and securities) 40.1 38.8 38.4 35.1 (in R$ billion) 34.8 Renegot

  11. Slide 11: Non-interest expenses

    Non-interest expenses In R$ billion 1Q26 4Q25  1Q25  Commercial and administrative (6.5) (6.7) -3.4% (6.0) 7.2% (personnel) Transactional (3.9) (4.2) -7.1% (4.0) -1.0% (personnel, operations and services) Technology (3.1) (3.2) -2.5% (2.8) 8.9% (personnel and infrastructure) Other (0.5) (0.7) -31.

  12. Slide 12: Capital

    Capital + 0.8% 13.8% 13.4% 1.5% - 0.4% - 0.5% - 0.3% 1.4% 12.3% 12.0% Dec-25 Net income Dividends and Risk weighted Phase in of Mar-26 Tier I capital interest on own assets1 operational risk Tier I capital capital and resolution and shares buyback 229 Common Equity Tier I (CET I) Additional Tier I (

  13. Slide 13: Annual reports

    Annual reports GRI summary, ESG indicators SASB, SDG, PRB spreadsheet and PRSAC. with historical data 13

  14. Slide 14: Itaú Unibanco Holding S.A.

    São Paulo, May 6th 2026 Itaú Unibanco Holding S.A. 14

  15. Slide 15: Additional information

    Additional information 15

  16. Slide 16: 2026 Guidance

    2026 Guidance Guidance for the year remains unchanged 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 R$2.5 bn and R$5.5 bn C

  17. Slide 17: Results

    Results In R$ million 1Q26 4Q25  1Q25  Operating Revenues 46,822 47,617 -1.7% 44,793 4.5% Managerial Financial Margin 32,326 32,314 0.0% 31,081 4.0% Financial Margin with Clients 31,506 31,717 -0.7% 30,158 4.5% Financial Margin with the Market 820 597 37.4% 923 -11.2% Commissions and Fees 10,993 1

  18. Slide 18: Business model

    Business model In R$ billion 1Q26 1Q25  (1Q26 x 1Q25) Insurance Excess Insurance Excess Insurance Excess Total Credit Trading Total Credit Trading Total Credit Trading & services capital & services capital & services capital Operating revenues 46.8 26.6 1.0 18.8 0.4 44.8 24.8 0.8 18.6 0.5 2.0 1.8 0

  19. Slide 19: Itaú Unibanco Holding S.A.

    São Paulo, May 6th 2026 Itaú Unibanco Holding S.A. 19

Itaú Unibanco Holding — Q1 2026 Earnings Presentation on 6ix