Itau Unibanco Holding S.A. (ITUB) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello, good morning everyone. My name is Gustavo and it is a pleasure to have you joining us for our third quarter of 2025 earnings video conference. As always, Milton will walk you through our performance and afterwards we'll open the floor for a Q&A session where analysts and investors will be able to interact directly with us. Before handing over to Milton, I would like to share a few instructions to help you make the most of today's event. For those accessing this video conference via our website, there are three audio options available on your screen. The entire content in Portuguese, the entire content in English, or the original audio. The first two options offer simultaneous translation. To select your preferred option, simply click on the flag icon in the upper left corner of your screen. Questions can also be submitted via WhatsApp to the number displayed on your screen. Today's presentation is available for download on the Hot Site and as always on our Investor Relations website. With that, I'll now hand over to Milton, and I'll see you again shortly for the Q&A session. Milton, over to you. Good morning everyone. Welcome, it is a pleasure to be here with you once again to present our third quarter 2025 results. Thank you Gustavo, in a moment I will join Gustavo and Gabriel for our Q&A session. The objective of this presentation as always is to share with you an executive and objective overview so that we have quality time for discussion afterwards. I believe it is important to have a Q&A session with adequate time and depth. Let's move on to the numbers. I will begin with the main highlights. I will cover results, ROE, capital, services and insurance, the loan portfolio, and long-term delinquency. The first highlight is that we closed the quarter with ver...