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Itaú Unibanco Holding S.A. 1Q21 Institutional Presentation Não Corporativo 1Q21 This presentation contains forward-looking statements regarding Itaú Unibanco Holding, its subsidiaries and affiliates - anticipated synergies, growth plans, projected results and future strategies. Although these forward-looking statements reflect management’s good faith beliefs, they involve known and unknown risks and uncertainties that may cause the Company’s actual results or outcomes to be materially different from those anticipated and discussed herein. These statements are not guarantees of future performance. These risks and uncertainties include, but are not limited to our ability to realize the amount of the projected synergies and the timetable projected, as well as economic, competitive, governmental and technological factors affecting Itaú Unibanco Holding’s operations, markets, products and prices, and other factors detailed in Itaú Unibanco Holding’s filings with the Securities and Exchange Commission which readers are urged to read carefully in assessing the forward-looking statements contained herein. Itaú Unibanco Holding undertakes in duty to update any of the projections contained herein. This presentation contains managerial numbers that may be different from those presented in our financial statements. The calculation methodology for those managerial numbers is presented in Itaú Unibanco Holding’s quarterly earnings report. To obtain further information on factors that may give rise to results different from those forecast by Itaú Unibanco Holding, please consult the reports filed with the Brazilian Securities and Exchange Commission (Comissão de Valores Mobiliários - CVM) and with the U.S. Securities and Exchange Commission (SEC), including Itaú Unibanco Holding’s most recent Annual Report on Form 20F. Agenda Corporate profile 04 Strategic 13 agenda Our businesses 32 Corporate 58 governance Capital and 67 risk management Economic 80 context Financial highlights 84 Additional 94 information Corporate profile Corporate profile About us? Universal bank | 97 years of history | largest bank in Latin America¹ Recurring Recurring Managerial Market Value³ Total assets3 Credit portfolio3 Tier I Capital 3 Managerial ROE4 Result4 US$48.1 bn R$2,124.8 bn R$906.4 bn 18.5% R$6.4 bn 13.0% We are present in 18 countries Brazil’s most valuable² brand Rest of the World R$37.4 billion Germany 1 Bahamas 1 3 Approximately Cayman 1 2 3 5 Spain 1 56 million Latin America United States 1 2 3 Retail clients France 1 Argentina Portugal 1 493 k direct shareholders Brazil United Kingdom 1 2 Chile Switzerland 3 Reino Unido 4.3 k Colombia Suíça branches and PABs Mexico 1 Panama 97 k Paraguay employees 1 Key Peru 45 k Uruguay Multiple Bank ATMs Other operations 1 Corporate & Investment Banking 2 Asset Management 3 Private Banking (1) Largest bank in market value; (2) 2020 Interbrand Ranking ; (3) March 2021 (4) In 1Q21. (5) December 2020. 5 Corporate profile What do we do? Full offering of products and services | diversified client base | solid brand Credit Services Insurance A complete The Retail Bank physical and digital $ Personal Current accounts Life includes retail clients, high-income clients bank Cards Cards and acquiring Homeowners insurance and very small and small businesses, in $ Working capital Consórcio Auto addition to products and services for non- $ Mortgage Brokerage Dental account holders. $ Micro credit Pension plans Card protection The Wholesale Bank is $ Vehicles $ Premium Bonds Travel responsible for high net worth clients (private $ Rural Payment means Healthcare banking), the units in Latin $ America, banking for Payroll loans $ Capital markets Smartphone protection middle market and large companies and Imports/Exports Open platform Investments Guarantee insurance corporations through Itaú Investment and insurance ... Other products... Other products ... Other products BBA, the unit responsible products sold on open for corporate clients and platforms. for its role as an investment Main brands and commercial partners bank. 6 Corporate profile How have we evolved? Adaptable culture | innovation | transparency in business World Health NY Stock First First First Internet Itaú on UK decides to We have World War II Organization Exchange overseas version of providers the NY leave the witnessed ends declares crisis branch of Windows Stock European important coronavirus Itaú appears Exchange Union (Brexit) changes around pandemic the world... 1929 1945 1983 1985 1990 2006 2016 2020 Focus on A bank with a First steps Paths to growth A historic purpose Casa Moreira Salles Marked by mergers, merger Latin America Our international We believe that people opens in 1924, and acquisitions and In 2008, Itaú and presence has have the power to Banco business alliances that Unibanco united to evolved year after transform the world, and Central de Crédito enabled the growth create Brazil’s year. Today, Itaú is that the bank can in 1943. and consolidation of largest private present in 18 promote this both institutions. bank. countries. transformation. 1930 1950 1960 1980 1984 2002 2014 2020 ... and in Banking Mobile Fintechs First debit First Central Bank Brazil First in-branch First checks automation Banking start to gain and credit ATMs launches PIX calculators with client’s begins in Brazil strength name cards 7 Corporate profile A responsible bank | Commitments to positive impact Each commitment to positive impact is sponsored by a senior executive from the bank's institutional and commercial areas. SDG 1 SDG 4 SDG 5 Quality Gender No poverty education equality SDG 7 SDG 8 SDG 9 Affordable Decent work Industry, and clean and economic innovation energy growth and infrastructure SDG 10 SDG 11 SDG 12 Sustainable Responsible Reduced consumption and inequalities cities and communities production SDG 13 SDG 16 SDG 17 Peace, justice Climate action Partnerships for and strong the goals institutions (1) Potential material theme. 8 Corporate profile A responsible bank | ESG Timeline ESG aspects have been integrated into our management for over two decades 1999 2000 2004 2005 2008 2009 Environmental and 1 social risk analysis 2010 2021 2020 2019 2017 2015 2013 Sustainability Finance Framework Applicable to Sustainable bonds Commitments to Positive Impact (1) Brazilian Corporate Sustainability Index 9 Corporate profile A responsible bank | ESG: highlights Amazon Plan in partnership with Bradesco and Santander Stimulating sustainable chains Among the ten initiatives, four measures were prioritized . R$100 million to finance agroindustry and cooperatives that deal with sustainable cultures. Blended finance, credit mechanism for small producers with technical assistance Land regularization . Legislative map and recommendation of how the financial system can support regularization to stimulate economic activity in the region Fighting deforestation in the meat production chains . Frigorific engagement for traceability commitment . Specific diligence to the meat producer sector Promotion of bioeconomy . Research funding and investment in projects that unlock the socioeconomic potential of new chains Amazon + 12,000 + 70 specialists, 380 thousand Conference participants companies and native trees members of the December, 2020 in the 3 days of will be planted the conference financial market with donations 10 Corporate profile A responsible bank | ESG: Sustainable bonds issuance Sustainability Finance Framework: social and environmental criteria for resources allocation External consultancy issued second-party opinion Renewable energy and Sustainable Sustainable water and Pollution prevention energy efficiency transport waste management and control Sustainable Green Access to essential Inclusive management of natural buildings services Finance resources and land use USD 500 million raised Positive Impact Commitments_ Status with sustainable bonds in January 2021 R$100 billion R$15 billion R$11 billion R$ 48.1 bn¹ R$12.6 bn¹ R$9.1 bn² First level 2 capital issue for sectors with for renewable energy for small companies of a Latin American bank to finance positive impact generation and services led by women by 2024 green and social projects by 2025 by 2025 (1) From Aug-2019 to Dec-2020; (2) Balance in Dec-20 11 Corporate profile A responsible bank | Todos pela saúde R$93 million R$136 million to inform to prepare ~ 175 million people society to resume social activities Campaigns to clarify and raise awareness among the Support for epidemiological research population and to guide on the proper use of and for the treatment of covid-19 protective masks Investment in the new vaccine manufacturing plants of Fiocruz and Instituto Butantã R$325 million R$475 million to protect to care More than R$1 billion has 330,000 health professionals support to 50,000 elderly people and 172,000 patients and caregivers in more than 600 institutions already been allocated Benefited by the distribution of more than 105,000 oximeters to 4 different initiatives. 50 million protective equipment serving all cities in Brazil + 25,000 tests per day 44,000 tests Test Centers operations begins on the 31st of Next, check out some of the and awareness initiatives for truck drivers main achievements from April July in Rio de Janeiro city and on the 7th of August in Ceará state 2,500 units of hospital equipment 2020 to today. Implementation of Reception Centers in 15 million masks vulnerable areas Distributed to the elderly, users of public transport, residents of communities, Donation to North
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  • Itaú Unibanco Holding S.A

    Itaú Unibanco Holding S.A

    Itaú Unibanco Holding S.A. Management Discussion & Analysis and Complete Financial Statements 3rd Quarter 2009 Itaú Unibanco Contents Management Discussion and Analysis 1 Complete Financial Statements 41 ITAÚ UNIBANCO HOLDING S.A. INFORMATION ON THE RESULTS FROM JANUARY TO SEPTEMBER 2009 We present below the main results of Itaú Unibanco Holding S.A. (Itaú Unibanco) for the period from January to September 2009. Considering the merger that created Itaú Unibanco at the end of 2008 and aiming at providing a better understanding of the changes in assets, liabilities and results of the new institution, for the effect of comparability, the data related to the period from January to September 2008 takes into consideration the addition of Itaú and Unibanco figures. 1. Net income for the period from January to September 2009 totaled R$ 6.9 billion, with annualized return of 19.8% on average equity (25.5% for the period from January to September 2008). Recurring net income was R$ 7.7 billion, with annualized return of 22.2%. Consolidated stockholders' equity totaled R$ 48.9 billion at the end of September 2009. Basel ratio stood at 16.3% at the end of September, based on economic-financial consolidated. 2. Itaú Unibanco’s preferred shares rose 48.6%, as compared to the quotation of December 31, 2008. The market value at Stock Exchanges was R$ 161.0 billion at the end of September, which ranked Itaú Unibanco 11th in the global bank ranking. 3. In the period from January to September 2009, Itaú Unibanco paid or provided for taxes and contributions in the amount of R$ 11.5 billion.