Itau Unibanco Holding S.A. (ITUB) Q4 2024 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, everyone. I'm delighted to welcome you to another quarterly earnings conference. As always, this event will be divided into two parts. First, Milton will go through the performance for the quarter and the year, and he'll also disclose our expectations for 2025. Then we'll have the Q&A section, during which investors and analysts will be able to interact with us directly. But before I hand over the floor to Milton, I'd like to provide some guidance to help you make the most of today's presentation. For those viewing this through our website, there are three audio options on the screen. You can choose to listen to the entire content in Portuguese, the entire content in English, or just the original audio. For the first two options, we will have simultaneous translation. To choose your preferred option, just click on the flag at the top of your screen. you can also send questions via WhatsApp. To do this, just click on the button on your screen or simply send a message. directly to the number plus 5511939591877. Today's presentation will be available for download on the website screen and, as always, on our Investor Relations website. That's it from me for now. Now I will hand over the floor to Milton, who will begin the earnings presentation, and then I will come back to you at the end to moderate the Q&A session. Milton, the floor is all yours. good morning welcome to another earnings presentation let's talk about our quarterly earnings yearly earnings dividends and guidance this will be quite a dense conference call covering a lot of information i'll try to be very objective to convey the main messages And then we'll have our Q&A, in which we can talk more broadly about the different topics of interest to all analysts who might ask us questions. I'll st...