Exhibit 99.1 3Q 21 Management discussion & analysis and complete financial statements Third quarter of 2021 Contents Management discussion & analysis Page 03 | Executive Summary | 03 | | --- | --- | | Income Statement and Balance Sheet Analysis | 11 | | Managerial Financial Margin | 12 | | Cost of Credit | 13 | | Credit Quality | 15 | | Commissions and Fees & Result from Insurance | 17 | | Result from Insurance, Pension Plan and Premium Bonds | 19 | | Non-interest Expenses | 20 | | Balance Sheet | 22 | | Cr ...

Financial Data and Key Metrics Changes - The recurring managerial net income reached 6.5 billion reals, an increase of 2.3% compared to the previous quarter [4] - The recurring ROE increased by 40 basis points to 18.9% [4] - The efficiency ratio in Brazil improved to 42.2%, a drop of 100 basis points, marking the lowest level in years [6][30] - The NPL ratio for 90 days in Brazil decreased by 30 basis points to 3.6% [5] Business Line Data and Key Metrics Changes - The Brazilian real portfolio grew by 4.6% [4] - The credit card book rebounded with a growth of 6.7% in the quarter [17] - Payroll linked loans accelerated, growing by 5.5% [4] - Mortgage origination was strong, reaching 12.8 billion reals [5] - The SME loan portfolio doubled over the last four years, increasing from 60 billion reals to 133 billion reals [13] Market Data and Key Metrics Changes - The total loan portfolio adjusted for FX variation grew by 5% in the quarter and 13.8% year-over-year [18] - The bank's total loan portfolio was negatively impacted by an 11.7% decrease due to FX variation in Latin America [18] Company Strategy and Development Direction - The company is implementing the iVarejo 2030 project to redefine customer experience across all retail segments, aiming for 100% implementation by the end of 2022 [7][8] - The ambition is to increase sales through digital channels fourfold by 2025, with digital revenues expected to represent 50% of total retail operations [8] - The bank aims to allocate 400 billion reals to sustainable development by 2025, up from the previous target of 100 billion reals [16] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving a financial margin with clients closer to the top of the range due to improved credit quality and a better mix of loan products [42][44] - The bank's guidance for loan portfolio growth was revised upwards to between 8.5% to 11.5% for the consolidated book [37] - Management noted that the effective tax rate could decrease by 5 to 6 percentage points if the ongoing fiscal reform is approved [55] Other Important Information - The bank added 4.7 million customers through digital channels in the quarter, with 90% of new customers not having a current account [6] - The bank's credit card issuance doubled compared to March, with 75% of new cards issued to non-current account holders [24] Q&A Session Summary Question: Guidance on margin with clients and loan growth - Management explained that the margin with clients is expected to grow due to an improved mix of loan products and a recovery in retail and SME segments [42][43] Question: Guidance on expenses and salary negotiations - Management indicated that they remain focused on efficiency programs and believe they can meet their guidance for expenses despite potential salary increases [45] Question: Breakdown of loan growth expectations - Management stated that they do not provide detailed guidance on the breakdown of credit portfolio expectations but expect good growth in retail and SMEs [46] Question: Fee income performance and growth expectations - Management highlighted that fee income is expected to grow, particularly in credit cards and investment banking, with a strong pipeline in the latter [62] Question: Strategy regarding headcount stability - Management noted that maintaining a stable headcount is part of their strategy to support growth and efficiency, contrasting with competitors who have reduced headcount [66]

Exhibit 99.1 | ITAU UNIBANCO HOLDING S.A. | | --- | | CNPJ 60.872.504/0001-23 A Publicly Listed Company NIRE 35300010230 | | POLICY FOR TRADING ITAU UNIBANCO HOLDING S.A. | | SECURITIES | | SUMMARY | | 1. GENERAL PRINCIPLES | | 1.1. Scope | | 1.2. Implementation of the POLICY | | 1.3. Disclosure and Trading Committee | | 1.4. Definition of Secunty | | 2. PERSONS BOUND BY THE POLICY | | 2.1. List of persons bound by the POLICY | | 3. TRADING RESTRICTIONS | | 3.1. Restrictions on trading prior to and subseque ...

Itaú Unibanco Holding S.A (NYSE:ITUB) Q1 2021 Earnings Conference Call May 4, 2021 10:30 AM ET Company Participants Milton Maluhy Filho - President Alexsandro Broedel - Chief Financial Officer Renato Lulia Jacob - Group Head of IR and Marketing Intelligence Conference Call Participants Mario Pierry - Banco da America Tito Labarta - Goldman Sachs Henrique Navarro - Santander Jorge Kuri - Morgan Stanley Carlos Gomez - HSBC Geoffrey Elliott - Autonomous Thiago Batista - UBS Natalia Corfield - JPMorgan Operator ...

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, 2020 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 ...

Itaú Unibanco Holding S.A. (NYSE:ITUB) Q4 2020 Earnings Conference Call February 2, 2021 9:30 AM ET Company Participants Candido Bracher - Current CEO and new Board Member Milton Maluhy Filho - Current CFO and CRO and New CEO Conference Call Participants Mario Pierry - Bank of America Merrill Lynch Tito Labarta - Goldman Sachs Geoffrey Elliott - Autonomous Research Thiago Batista - UBS Jason Mollin - Scotiabank Carlos Gomez-Lopez - HSBC Operator Good morning, ladies and gentlemen. Welcome to the Itau Uniba ...

| --- | --- | --- | --- | |------------------------------------------------------|-----------------------------------------------------------------------------------|--------------------------------------------------------|---------------------------------------------------------------------------------| | | | | | | | | | | | | | | Itaú Unibanco Holding S.A. | | | | | | | | | | | | review | 4Q20 Earnings | | | | Candido Bracher Current CEO and new Board Member | Milton Maluhy Filho Current CFO and CRO and n ...

Itaú Unibanco Holding S.A. (NYSE:ITUB) Q3 2020 Earnings Conference Call November 4, 2020 11:00 AM ET Company Participants Candido Bracher - President and Chief Executive Officer Conference Call Participants Jorge Kuri - Morgan Stanley Thiago Batista - Banco UBS Geoffrey Elliott - Autonomous Carlos Gomez - HSBC Tito Labarta - Goldman Sachs Natalia Corfield - JP Morgan Henrique Navarro - Santander Operator Good morning ladies and gentlemen welcome to Itaú Unibanco Holding Conference Call to discuss 2020 Third ...

| --- | --- | |--------------------------------------------------------------------------------------------------------|-------| | | | | | | | | | | | | | Conference call 3Q20 Earnings review th | | | São Paulo, November 4 , 2020 | | | | | | Candido Botelho Bracher President and CEO Alexsandro Broedel Executive Director, Group Head of Finance | | | Renato Lulia Jacob Group Head of Investor Relations and Market Intelligence | | Context Current outlook Momento atual Economic activity Prospect of Brazilian GDP ...

Financial Data and Key Metrics Changes - The bank ended Q2 2020 with a recurring net income of BRL 4.2 billion, translating to a return on equity (ROE) of 13.5%, reflecting a 7.5% growth in net income [19] - The cost of credit decreased by 23%, contributing to the net income growth, although this was partially offset by a higher effective income tax rate due to a 5 percentage point increase in social contribution [20] - The loan portfolio grew by 2.9%, ending the period with a balance of BRL 811 billion [20] Business Line Data and Key Metrics Changes - The loan portfolio was stable when adjusted for foreign exchange valuation, with large corporates growing by 3.6% quarter-on-quarter, while individual loans contracted by 3.9% [21] - There was a significant contraction in credit cards and secured personal loans, reflecting a change in customer behavior and a proactive risk management approach [21] - Personalized credit with new payment conditions grew by 44%, partially compensating for the drop in other segments [21] Market Data and Key Metrics Changes - The economic activity in Brazil contracted by 45% at the end of March compared to pre-pandemic levels but showed recovery, reaching 90% of pre-COVID-19 activity levels by the end of June [8] - The bank's digital customer base increased by 17.1% over the last year, with nearly 1 million new bank accounts opened through the app in the first half of the year [29] Company Strategy and Development Direction - The bank focused on supporting customers during the crisis, participating in government programs to finance small retailers and extending emergency payroll financing for micro and small companies [11][12] - The integration of ESG teams into the bank's operations is a priority, with initiatives aimed at sustainable development, particularly in the Amazon region [18] - The bank aims to maintain appropriate capital and liquidity levels while adapting to changes in credit demand and market conditions [31][32] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the unprecedented nature of the crisis and the uncertainty surrounding future economic conditions, opting to suspend guidance [31] - The bank expects a gradual recovery in economic activity and a potential reduction in the cost of credit, with provisions anchored in an expected loss model [32] - Management expressed confidence in delivering efficiency gains through continuous investment in technology and optimization of distribution channels [32] Other Important Information - The bank allocated over BRL 1 billion to fight the COVID-19 pandemic, including donations of medical supplies and support for vaccine production [16] - The non-performing loans (NPL) ratio decreased, but management cautioned that this does not fully reflect the ongoing crisis [25] Q&A Session Summary Question: Performance of loans that left the revised program - Management noted that many loans that matured after the initial 60-day grace period have performed better than expected, with a high level of payments [39] Question: Impact of instant payment platform on fees - Management expects the new instant payment platform to have a gradual impact on income, with potential competition effects in the midterm [41][42] Question: Provisions and cost of risk normalization - Management indicated that it may be too soon to see provisions return to normalized levels in Q3, as the most fragile quarter is still ahead [49] Question: Strategic view on Itau CorpBanca and IRB - Management confirmed normal operations for Itau CorpBanca and indicated a willingness to increase participation in IRB if conditions allow [50] Question: Credit card business recovery - Management reported that credit card expenditures are currently 10% to 15% below historical levels, with recovery expected to be gradual [56] Question: Competition from fintechs - Management observed strong competition in specific areas, particularly in acquiring and investment businesses, but noted that fintechs are still relatively small players in the overall lending market [57][62] Question: Position in XP and goodwill write-off - Management expressed satisfaction with the investment in XP and clarified that the goodwill write-off for CorpBanca had minimal impact on financial statements due to amortization practices [67][70]