Itau Unibanco Holding S.A. (ITUB) Q4 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 fourth quarter 2025 earnings video conference as always milton will walk you through our performance and afterwards we will have our traditional q and a session in which analysts and investors will be able to interact directly with us before handing the floor over to milton i would like to share a few instructions to help you make the most of today's event For those accessing the webcast through our website, there are three audio options available. 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 located in the upper left corner of your screen. Questions can also be submitted via WhatsApp to the number displayed at the bottom of the screen. Today's presentation is available for download on the HotSite screen and, as always, on our Investor Relations website. With that, I will now hand over to Milton and we will reconvene later for the Q&A session. Milton, over to you. Good morning. Welcome to another earnings release. Today we will review the results for the fourth quarter of 2025. I will also discuss our outlook for the coming year and provide guidance for 2026. In addition, I will share an overview of our journey so far highlighting our progress over recent years and the key achievements in 2025 to provide greater transparency into our agenda at the Bank, though not exhaustively. Let me begin by revisiting our history, first reinforcing the pillars that have guided us and proven essential to our management model. Client centricity remains our top priority and the central focus of the entire organization. Delivering...