Summary
ITUB Chart
Itaú Unibanco Q1: Bank Exceeds Expectations With Strong Profitability
Itaú Unibanco's portfolio grew 13.2% y/y, showing strong, selective expansion, despite a 1.7% q/q decline due to exchange rate variations. Non-performing loans >90 days fell to 2.3%, the lowest since 1Q21, indicating improved long-term indicators and operational resilience. Financial margin with customers increased to 3.2% q/q and 14% y/y, driven by a strategic product mix, boosting net interest income.
Itaú Unibanco: Profitability Without Surprises, But Without Failures
Itaú is well positioned to benefit from Brazil's moderate 2025 growth and a potential Selic rate cut that could boost credit demand. The bank posted strong Q1 2025 results, with a 22.5% ROE and over 10% YoY growth in operating income. Its digital transformation enhances customer experience and strengthens competitiveness against fintechs, while maintaining operational efficiency and cost control.
Itaú Unibanco Holding S.A. (ITUB) Q1 2025 Earnings Call Transcript
Itaú Unibanco Holding S.A. (NYSE:ITUB ) Q1 2025 Earnings Conference Call May 9, 2025 9:00 AM ET Company Participants Renato Lulia Jacob - Head of Investor Relations Milton Maluhy Filho - Chief Executive Officer Gabriel Amado de Moura - Chief Financial Officer Conference Call Participants Daniel Vaz - Safra Bank Thiago Batista - UBS Eduardo Rosman - BTG Pactual Tito Labarta - Goldman Sachs Marcelo Mizrahi - BBI Mario Pierry - Bank of America Renato Meloni - Autonomous Matheus Guimaraes - XP Guilherme Grespan - JPMorgan Gustavo Schroden - Citibank Jorge Kuri - Morgan Stanley Carlos Gomez-Lopez - HSBC Henrique Navarro - Santander Eduardo Nishio - Genial Operator Hello, good morning, everyone.
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Itau Unibanco Holding SA Profile
| Banks - Regional Industry | Financial Services Sector | Mr. Milton Maluhy Filho CEO | NYSE Exchange | US4655621062 ISIN |
| US Country | - Employees | 3 Jun 2025 Last Dividend | 19 Mar 2025 Last Split | 25 Feb 2002 IPO Date |
Overview
Itaú Unibanco Holding S.A., rooted in São Paulo, Brazil, is a financial powerhouse offering a wide spectrum of services and products to both individual and corporate clients across Brazil and beyond. The company, established in 1924, transitioned its name from Itaú Unibanco Banco Múltiplo S.A. to Itaú Unibanco Holding S.A. in April 2009, reflecting its expansive holding structure. This structure includes Itaú Unibanco Participações S.A. (IUPAR) as its parent company. Itaú Unibanco operates through three main segments: Retail Banking, Wholesale Banking, and Activities with the Market + Corporation, each tailored to meet the diverse needs of its comprehensive client base that ranges from retail customers and small businesses to high net worth individuals and middle-market companies.
Products and Services
Itaú Unibanco Holding S.A. offers a comprehensive portfolio of financial products and services designed to meet the needs of a diverse clientele. These include:
- Current Account: A fundamental banking service offering individuals and businesses a secure and convenient way to manage their funds.
- Loans: Tailored lending solutions to support personal and business objectives, whether for buying a home, expanding a business, or other financial goals.
- Credit and Debit Cards: Providing a wide range of options for easy and secure transactions, catering to different customer needs and preferences.
- Investment and Commercial Banking Services: Expert financial advice and services for investments and business operations, aimed at optimizing returns and improving business efficiency.
- Real Estate Lending Services: Specialized financing options for purchasing or investing in real estate, supporting both individual homeowners and real estate developers.
- Financing and Investment Services: A selection of financing solutions and investment opportunities tailored to the financial goals of clients.
- Economic, Financial and Brokerage Advisory: Professional consulting services offering economic insights, financial planning, and brokerage services to navigate market complexities.
- Leasing and Foreign Exchange Services: Solutions for asset leasing and currency exchange, facilitating international trade and investment activities.
- Insurance Products: A variety of insurance options covering property, casualty, life, and personal accidents. These products aim to protect clients' assets and wellbeing against unforeseen events and liabilities.
Contact Information
