Exhibit 99.1 20 22 General Stockholders' Annual General Stockholders' Meeting and Extraordinary General Stockholders' Meeting Contents | 1. Message from the Co-chairmen of the Board of Directors | 03 | | --- | --- | | 2. Introduction | 04 | | 3. Executive Officers' Comments | 05 | | 4. Information about the Annual and Extraordinary General Stockholders' Meetings | 07 | | 5. Call notice | 08 | | 6. Annual and Extraordinary General Stockholders' Meeting | 09 | | ATTACHMENT I - Attachment 9-1-11 of CVM Instruc ...

Itaú Unibanco Holding S.A. (NYSE:ITUB) Q4 2021 Earnings Conference Call February 11, 2022 8:00 AM ET Company Participants Milton Filho – Chief Executive Officer Alexsandro Broedel – Chief Financial Officer Renato Jacob – Group Head of Investor Relations and Marketing Intelligence Matias Granata – Group Chief Risk Officer Andre Sapoznik – Executive Vice President Ricardo Guerra – Chief Information Officer Carlos Constantini – Executive Director of Wealth Management Services Andre Rodrigues – Payments, Operat ...

Itaú Unibanco Holding S.A. 1 Corporativo | Interno earnings review 4Q21 São Paulo, February 11th, 2022 quarter highlights 4Q21 vs. 3Q21 change 15.5% 8.3% 9.6% credit portfolio credit cards R$1,027 bn 6.7% margin with clients R$19.9 bn 13.2% # of cards issued #4.8 mm 3.0% commissions and insurance R$11.9 bn 2.9% 43.0% 1.0 p.p. Brazil 40.7% 1.4 p.p. 日 + 8.8 million clients digitally acquired in 4Q21 54% vs. 3Q21 Itau iti za (s mortgage for individuals personal loans efficiency ratio recurring managerial resul ...

Itau Unibanco Holding SA Brands, Inc. (NYSE:ITUB) Q3 2021 Earnings Conference Call November 4, 2021 10:15 AM ET Company Participants Milton Filho - CEO Conference Call Participants Mario Pierry - Bank of America Merrill Lynch Jorge Kuri - Morgan Stanley Daer Labarta - Goldman Sachs Group Yuri Fernandes - JPMorgan Chase & Co. Carlos Gomez - HSBC Operator Good morning, ladies and gentlemen. Welcome to the Itaú Unibanco Holding conference call to discuss 2021 third quarter results. [Operator Instructions]. As ...

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 ...