| --- | --- | --- | --- | --- | |------------------------------------------------------------------------------|------------------|-------|-------|--------------------------------------------------| | | | | | | | | | | | | | | | | | | | Conference call | | | | | | 2019 Earnings review | | | | | | | | | | | | Candido Botelho Bracher President and CEO | | | | | | Milton Maluhy Filho Executive Vice-President, CFO and CRO | | | | | | Alexsandro Broedel Executive Finance Director and Head of Investor Relations | ...

Itaú Unibanco Holding S.A. Management Discussion & Analysis and Complete Financial Statements 3Q19 : 88 >"" 00 000 000 == www.itau.com.br/investor-relations facebook.com/Itaú @Itaú @Itaú /Itaú /bancoitau Contents | --- | --- | --- | |--------------|----------------------------------------------------------|-------| | Management | Executive Summary | 03 | | Discussion & | Income Statement and Balance Sheet Analysis 11 | | | Analysis | Managerial Financial Margin 12 | | | | Cost of Credit 13 | | | Page 03 | C ...

Table of Contents 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 ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE AC ...