Itau Unibanco S.A.(US:ITUB) Yahoo Finance·2026-02-25 11:19Financial Performance - Itaú Unibanco reported a 40% growth in its loan portfolio for 2025, with Return on Equity (ROE) increasing from 19.3% in 2021 to 23.4% [1][4] - The bank's efficiency ratio improved to 38.8%, indicating successful investments in digital transformation and a 99% reduction in technology incidents [1] Challenges and Market Conditions - The bank experienced slight pressure on its net interest margin, which decreased to 8.9%, and raised concerns regarding asset quality related to a specific corporate client [2] - Management acknowledged a competitive landscape with both fintechs and traditional peers, while preparing for potential macroeconomic volatility linked to the 2026 election year [2] Strategic Positioning - The CEO highlighted that Itaú Unibanco is strategically positioned for long-term value creation through disciplined capital allocation and the integration of AI [4] - The bank anticipates that the SME segment will remain a key profitability driver and plans to leverage its competitive funding structure to maintain a strong market share in real estate financing [4]