Itau Unibanco Holding S.a. · BMFBOVESPA:ITUB3
Itau Unibanco — Investor Presentation (2025)
20 slides from Itau Unibanco's investor presentation, 2025
Slide 1: Institutional Presentation
Institutional Presentation
Slide 2: Itaú at a glance
Recurring Managerial Result With 100 years of history, we are the R$11.1 bn in 1Q25 93.9% Brazil| 6.1% Latin America³ largest bank in Latin America* We are the most valuable brand4 in South America USD 8.6 bn Market Value¹ Total Assets² USD 63.2 bn BRL 2,821 bn We are a universal bank present in Wit
Slide 3: Our values guide us towards the Itaú of the future
Our values guide us towards the Itaú of the future, with ethics being the base of this journey 3
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 Click Here for more Info we 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 the opening of F
Slide 5: We offer a complete ecosystem...
We offer a complete ecosystem... Integrated systems enable the best Individuals and most complete experience Uniclass Personnalité allowing our customers full access to From BRL4k to BRL15 k Over BRL15k or more than BRL250k our solutions in a simple and in total investments tempestive manner. Itaú B
Slide 6: ... with the most complete portfolio of financial products and services
A gente trabalha para o cliente ... with the most complete portfolio of financial products and services Acquiring Credit Cards Derivatives Payments We have a card for each client profile. We have the right solution for any Payments and Receivables done fast and (Laranjinha) scenario. 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 1Q25 WhatsApp Click to human 2.8 k Corporate Branches E-mail Bankline 98% 38.9 k Individuals Telephone Mobile banking 100% of the ATMs 97% features in the In Brazil and in our Other Latin Chat American¹ operat
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 NPS coverage in measuring businesses and journeys allows data- of everything we do driven insights with UX indicators • Our commitment: to serve our clients +520k¹ c
Slide 9: Technology drives a new era of experience to our customers
Technology drives a new era of experience to our customers Quality Design, technology, products, data and AI drive Design Technology business competitiveness and the best UX of experience Upgrade and focus integrated to the on quick problem teams' daily resolutions activities Quality Speed Client Co
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 Deflated Non-interest 2025 x Deflated evolution We are organized into Continuous investment in expenses evolution 2024 evolution p.a. multidisciplinary teams in the technology model
Slide 11: ... with this, our ESG strategy has evolved!
... with this, 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
Slide 12: We want to be the bank of climate transition for our clients
We want to be the bank of climate transition for our clients With value propositions to drive businesses that contribute to the reduction of Greenhouse Gas (GHG) emissions and with increasingly efficient models in risk mitigation. ESG strategic goals Commitment Net Zero GHG emissions Financed emissi
Slide 13: A diverse team is essential to better understand and serve our clients
A diverse team is essential to better understand and serve our clients ESG strategic goals for 2025 Workforce diversity profile Gender Leadership Hiring in 2024 Women positions flow Location Age 53.9% Goal: 35% to 40% Goal: >50% 96.7% 33.6% of employees by the end of 2024 35.7% 52.3% employees Under
Slide 14: 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 Volume of resources in sustainable finance Financing in sectors with a positive R$1 trillion impact of R$1 trillion R$461 bn by the end of 2030 of total resources directed between Jan/20
Slide 15: ... 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 1Q24 1Q25 ROE Average cost of capital BRL billion Increase of 9% in value creation 1Q25 x 1Q24 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1Q24 1Q25 Recurring Managerial Res
Slide 16: 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 1Q25 3.2 % 1Q25 vs. 4Q24 1Q25 2.2 % 1Q25 vs. 4Q24 1Q25 3.8 % 1Q25 vs. 4Q24 BRL29.4 bn 13.9% 1Q25 vs. 1Q24 BRL0.9 bn 12.8% 1Q25 vs. 1Q24 BRL9.0 bn 2.1 % 1Q25 vs. 1Q24 (BRL billion) (BRL billion) (BR
Slide 17: ...without overlooking risk management
...without overlooking risk management Credit Portfolio¹ 90 days NPL including securities Tier I capital ratio 1.7 % 0.1 p.p. 0.9 p.p. Mar-25 Mar-25 vs. Dec-24 Mar-25² Mar-25 vs. Dec-24 Mar-25 Mar-25 vs. Dec-24 BRL 1,383 bn 13.2 % 1.9% 14.1% 0.4 p.p. Mar-25 vs Mar-24 Mar-25 vs Mar-24 (BRL billion) (
Slide 18: We expect to continue delivering solid performance...
We expect to continue delivering solid performance... Consolidated (Res. 4,966 criteria) Total credit portfolio¹ Growth between 4.5% and 8.5% Financial margin with clients Growth between 7.5% and 11.5% Financial margin with the market Between R$1.0 bn and R$3.0 bn Cost of credit² Between R$34.5 bn a
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 principality and increase penetration in our individual and corporate client base One Itaú - one of the Corporate Beyond banking - throughout own and third-party mai
Slide 20: Investor Relations
Investor Relations (11) 2794-3547 | ri@itau-unibanco.com.br | www.itau.com.br/relacoes-com-investidores/en/ 20