Itau Unibanco S.A.(ITUB) - 2025 Q4 - Earnings Call Presentation

São Paulo, February 5 th, 2026 Structural evolution 40% credit portfolio growth | 2021→2025 19.3% 20.3% 21.0% 22.2% 23.4% 44.0% 41.2% 39.9% 39.5% 38.8% 17.5 20.6 23.3 24.8 28.3 9.3 10.2 12.3 16.6 18.5 26.9 30.8 35.6 41.4 46.8 2021 2022 2023 2024 2025 ROE Efficiency R$ billion Managerial recurring results Value creation Cost of capital 2x +Value Creation 2021→ 2025 (1) Figures before taxes. Includes shares repurchase of R$3 billion, related to 2024 results distribution. 2 Results distribution¹ 2021→2025 >>> ...