Itau Unibanco Holding S.A.

Itaú Unibanco Holding S.A. provides a diverse range of banking and non-banking financial services and products to individuals and corporate clients. The company operates through three business segments: Retail Business, Wholesale Business, and Activities with the Market and Corporation. The Retail Business segment offers products and services to both account holders and non-account holders, including personal loans, mortgage loans, payroll loans, credit cards, acquiring services, vehicle financings, investments, insurance and pension plans, and premium bond products. Current account holders in this segment are categorized as Retail, Uniclass, Personnalité, and Very Small and Small Companies. The Wholesale Business segment includes the activities of Itaú BBA, which handles commercial operations with large companies and investment banking services. It also encompasses the activities of the company's units abroad, and products and services for high-net-worth clients (Private Banking), middle market companies, and institutional clients. The Activities with the Market and Corporations Business segment includes results from capital surplus, excess subordinated debt, the net balance of tax assets and liabilities, financial margin with the market, costs of treasury operations, and equity pickup from companies not linked to the Retail or Wholesale businesses. The company's net operating revenue for the Retail Business was R$112,204 million in 2025, R$101,057 million in 2024, and R$96,595 million in 2023. For the Wholesale Business, net operating revenue was R$62,620 million in 2025, R$58,014 million in 2024, and R$54,631 million in 2023. For Activities with the Market and Corporations, net operating revenue was R$9,569 million in 2025, R$9,887 million in 2024, and R$5,572 million in 2023. The company also conducts operations outside of Brazil with units located in the Americas and Europe.