All references in this Form 6-K to (i) "Itaú Unibanco Holding," "Itaú Unibanco Group," "we," "us" or "our" are references to Itaú Unibanco Holding S.A. and its consolidated subsidiaries, except where otherwise specified or required by the context; (ii) the "Brazilian government" are references to the federal government of the Federative Republic of Brazil, or Brazil; (iii) "preferred shares" are references to our authorized and outstanding preferred shares with no par value; and (iv) "common shares" are ref ...

Itaú Unibanco Holding S.A. earnings review 2Q23 quarter highlights consolidated margin with clients R$24.9 billion 3.7% 3.0% 0.1 p.p. R$1.1 billion 65.9% credit portfolio financial margin -2.8 -0.2 24.0 21.3 22.1 24.9 0.3 0.2 0.2 0.2 2.9 4 Itaú São Paulo, August 8ª 2023 2Q23 vs. 1Q23 change recurring recurring 20.9% 0.2 p.p. consolidated managerial managerial R$8.7 billion 3.6% Brazil 21.5% 0.4 p.p. result ROE efficiency ratio 2 (1) includes private securities.3 change in R$ billion 4 Corporativo | Interno ...

Financial Data and Key Metrics Changes - The company reported earnings of BRL 8.7 billion for Q2 2023, representing a growth of 3.6% with a strong ROE of 20.9% [65] - The efficiency ratio improved to 39.6% on a consolidated basis, with Brazil achieving the lowest ratio ever at 37.7% [66][79] - The margin with clients grew by 3.7% to reach BRL 24.9 billion, indicating strong core results [65][69] Business Line Data and Key Metrics Changes - The loan portfolio saw a growth of 0.6% in Q2, with individual loans growing by 8.9% year-on-year, while the SMEs portfolio remained virtually flat [49] - The credit card portfolio experienced a strategic reduction, leading to a healthier risk profile and a drop in delinquency rates [50][60] - Revenue from services and insurance grew significantly, with insurance operations increasing by 2.9% in the quarter and 17.5% year-on-year [57] Market Data and Key Metrics Changes - The company noted a stable delinquency ratio with a slight increase of 0.1 percentage points, consistent with expectations [48] - The NPL (Non-Performing Loans) ratio for individuals showed a positive trend, with a 20 basis point drop in delinquency rates [60][76] - The acquiring business reached a volume of BRL 208 billion, reflecting a 22% growth in revenue [56] Company Strategy and Development Direction - The company is focused on digital transformation and efficiency improvements, aiming to enhance client experience and reduce costs [81][82] - There is an emphasis on maintaining a strong balance sheet and managing risk effectively throughout the interest rate cycle [70][102] - The company aims to be the main bank for clients, enhancing engagement and cross-selling opportunities [18][20] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the future, expecting a more benign credit cycle and potential revenue growth of 10% to 15% in 2024 [94][96] - The company anticipates stability in delinquency ratios and a positive outlook for the next quarters, with more chances of positive surprises than negative [77] - Management acknowledged the challenges in the capital markets but remains committed to delivering sustainable earnings [90] Other Important Information - The company maintained its guidance for the year, with slight adjustments to the effective tax rate expected to be between 27% and 29% [86][87] - The company is actively monitoring the impact of potential tax reforms on its operations and cost structure [30][31] Q&A Session Summary Question: What happened with the operational event affecting system availability? - Management apologized for the impact on investors and clients, acknowledging the need for resilience and improvements in the bank's operations [91][92] Question: What are the expectations for revenue growth in 2024? - Management is optimistic about achieving 10% to 15% revenue growth, driven by improvements in core segments and a more favorable credit cycle [94][96] Question: How does the company plan to manage capital allocation and payout? - Management indicated a direction towards increasing payout while ensuring capital is retained only as necessary for growth opportunities [99]

TABLE OF CONTENTS | CERTAIN TERMS AND CONVENTIONS | 1 | | --- | --- | | CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS | 2 | | PRESENTATION OF FINANCIAL AND OTHER INFORMATION | 4 | | SELECTED FINANCIAL DATA | 5 | | OPERATING AND FINANCIAL REVIEW AND PROSPECTS | 7 | | REGULATORY RECENT DEVELOPMENTS | 24 | | SIGNATURES | 31 | | FINANCIAL STATEMENTS | 32 | Page CERTAIN TERMS AND CONVENTIONS All references in this Form 6-K to (i) "Itaú Unibanco Holding," "Itaú Unibanco Group," "we," "us" or "our" are ...

We understand that usually banks are based on the product view. Usually, you focus on the product, on the system, on the structure. What we're trying to do now has to do with two effects. First, we have more of a modern platform right now, which is very important. You're not a victim of the old systems anymore. And also we have the agile way of working where you have communities that are designed to understand the needs of our clients. It's easy to talk about it, but in practical terms, it is very challengi ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K Report of Foreign Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of April, 2023 Commission File Number: 001-15276 Itaú Unibanco Holding S.A. (Exact name of registrant as specified in its charter) Itaú Unibanco Holding S.A. (Translation of Registrant's Name into English) Praça Alfredo Egydio de Souza Aranha, 100-Torre Conceicao CEP 04344-902 São Paulo, SP, Brazil (Address of princip ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________________________ FORM 20-F ____________________________ ¨ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ¨ SHELL COMPANY REPORT PURSUANT TO SECTION 1 ...

Itaú Unibanco Holding S.A. (NYSE:ITUB) Q4 2022 Results Earnings Conference Call February 8, 2023 8:00 AM ET Company Participants Renato Lulia - Group Head of Investor Relations and Market Intelligence Milton Maluhy Filho - Chief Executive Officer Conference Call Participants Domingos Falavina - J.P. Morgan Thiago Batista - UBS Gustavo Schroden - Bradesco BBI Daniel Vaz - Credit Suisse Mario Pierry - Bank of America Merrill Lynch Eduardo Rosman - BTG Pactual Tito Labarta - Goldman Sachs Arnon Shirazi - Santa ...

1 Corporativo | Interno | --- | --- | --- | --- | |---------------|--------------|-------|----------| | | | | | | +90 days NPL | Consolidated | 2.9% | 0.1 p.p. | | | Brazil | 3.4% | 0.2 p.p. | Sep-22 51.5 106.0 -0.1% total ex- specific corporate credit provision (subsequent event) 2 14.2% 11.1% Itaú Unibanco Holding S.A. São Paulo, February 8th, 2023 2 Corporativo | Interno recurring managerial result Consolidated R$7.7 bn 5.1% 5.7% R$7.0 bn Brazil recurring managerial ROE Brazil 19.3% 1.7 p.p. 21.0% Consol ...

Itaú Unibanco Holding S.A. (NYSE:ITUB) Q3 2022 Earnings Conference Call November 11, 2022 8:00 AM ET Company Participants Renato Lulia - Group Head, IR and Market Intelligence Milton Filho - CEO Conference Call Participants Flavio Yoshida - Bank of America Thiago Batista - UBS Gustavo Schroden - Bradesco BBI Rafael Frade - Citi Tito Labarta - Goldman Sachs Jason Mollin - Scotiabank Eduardo Rosman - BTG Pactual Henrique Navarro - Santander Marcelo Telles - Credit Suisse Nicolas Riva - Bank of America Operato ...