Itaú Unibanco Holding S.A. filings document the disclosure record of a Brazil-based financial holding company that reports to the SEC as a foreign private issuer. Form 6-K reports furnish quarterly results materials, financial statements, management discussion and analysis, earnings presentations, annual-report notices, and CVM material facts.
The bank's regulatory filings also cover Pillar 3 risk and capital management, prudential metrics, capital adequacy, risk governance, stress testing, and recovery and resolution planning. Governance-related exhibits include fiscal council materials and policies for the disclosure of material acts or facts, while capital-action disclosures address interest on capital and stock repurchase programs.
Itaú Unibanco Holding S.A. reported nine-month operating revenues of R$138.510 billion, versus R$127.780 billion, and net income of R$36.469 billion versus R$33.705 billion for the same period in 2025. Third-quarter operating revenues were R$48.357 billion versus R$43.402 billion in Q3 2025; net income was R$12.270 billion versus R$11.600 billion.
Nine-month net cash from operating activities was R$118.032 billion, versus R$77.888 billion. On July 31, 2026, after regulatory approvals, the company disposed of its retail banking portfolio (loans and deposits) in Colombia and Panama to Banco de Bogotá S.A. and Banco de Bogotá (Panamá) S.A. for approximately R$3.5 billion, at book value. On January 30, 2026, through subsidiary ITB Holding Brasil Participações Ltda., it acquired an additional 17.2% of Avenue Holding Cayman Ltd for approximately R$730 million, reaching 50.1% ownership.
The independent accountant concluded that nothing came to its attention indicating the interim statements were not prepared, in all material respects, under IAS 34; the accountant stated it did not express an audit opinion.
Itaú Unibanco Holding S.A. reported a recurring managerial result of R$12.617 billion for the third quarter of 2026, up 6.2% from a year earlier and 1.7% from the prior quarter. Operating revenues were R$49.152 billion, 5.5% higher year over year; financial margin with clients increased 6.6% to R$33.286 billion.
For the first nine months, recurring managerial result rose 8.1% to R$37.305 billion. The total credit portfolio reached R$1,544.4 billion, up 10.2% year over year. Cost of credit was R$10.415 billion, 10.2% higher year over year, while the cost-of-credit-to-average-loan-portfolio ratio remained 2.7%. The 90-day nonperforming-loan ratio rose 0.1 percentage point sequentially to 2.0%; the 15–90-day ratio declined 0.1 percentage point to 1.7%.
Non-interest expenses increased 3.1% in the first nine months, and the efficiency ratio was 37.3%, down 0.6 percentage point from the year-earlier period. The retail operations in Colombia were sold in July 2026; excluding those operations, consolidated loan-portfolio growth was 2.2% for the quarter and 10.9% year over year.
Itaú Unibanco Holding S.A. reported third-quarter 2026 prudential capital and liquidity measures. As of September 30, 2026, regulatory total capital was R$251.3 billion, including R$230.7 billion of Tier 1 capital, and risk-weighted assets were R$1,626.4 billion. At that date, its Common Equity Tier 1, Tier 1 and total capital ratios were 12.7%, 14.2% and 15.4%, respectively; these compare qualifying capital with risk-weighted assets. Capital levels were above minimum requirements.
For the quarter ended September 30, 2026, the average liquidity coverage ratio was 205.8%; average high-quality liquid assets were R$418.1 billion and average net cash outflows were R$203.2 billion. The net stable funding ratio was 123.7% at quarter-end, and the Basel III leverage ratio was 7.0% on September 30, 2026, versus a stated minimum of 3%. The bank outlines its risk-appetite framework, oversight governance, stress testing and recovery planning, along with controls across credit, market, operational and other risks.
Itaú Unibanco Holding S.A. presented third-quarter 2026 operating results, including a R$12.6 billion recurring managerial result, up 6.2% from 3Q25 and 1.7% from 2Q26. Clients NII was R$33.3 billion, up 6.6% year over year, while market NII was R$1.3 billion, up 46.9%. Commissions and insurance were R$14.1 billion, non-interest expenses were R$17.1 billion and cost of credit was R$10.4 billion; these were respectively up 0.2%, 1.7% and 10.2% from 3Q25.
At September 30, 2026, the loan portfolio was R$1,544.4 billion and total assets were R$3,348 billion. September 2026 indicators included a 2.0% 90-day NPL ratio including securities, 0.1 percentage point above June 2026, funding of R$1,779 billion and a Tier I capital ratio of 14.2%. The 2026 guidance table lists an effective tax rate of 28.0% to 29.0% and marks its other items as maintained. Itaú also reported a 19% increase in value creation for 9M26 versus 9M25 and R$629.2 billion allocated to sustainable finance between January 2020 and August 2026, toward a R$1 trillion target by the end of 2030.
Itaú Unibanco Holding S.A. reported a recurring managerial result of R$12.617 billion in 3Q26, up 6.2% from 3Q25. Operating revenues were R$49.152 billion, up 5.5%, and financial margin with clients was R$33.286 billion, up 6.6%. Cost of credit was R$10.415 billion, 10.2% higher than a year earlier. For 9M26, recurring managerial result was R$37.305 billion, up 8.1% from 9M25, while non-interest expenses were R$17.129 billion, up 1.7% year over year.
At September 2026, the credit portfolio totaled R$1,544.4 billion, up 10.2% from September 2025, or 10.4% excluding foreign-exchange variation. Brazil accounted for R$1,300.2 billion, up 10.9%, and Latin America R$244.2 billion, up 6.4%. Common Equity Tier I stood at 12.7%; 3Q26 consolidated recurring managerial ROE was 23.6%. Labor, civil and tax provisions were R$16.9 billion, down 3.4% from 3Q25.
Itaú Unibanco Holding S.A. reported a recurring managerial result of BRL 12.6 billion and recurring ROE of 23.6% for the third quarter of 2026. Its loan portfolio reached BRL 1.5 trillion, with growth in mortgage, payroll and SME lending. Loans overdue by more than 90 days were 2.0% of the portfolio; cost of credit totaled BRL 10.4 billion, with an annualized ratio of 2.7%.
Fee income rose 0.5% in the quarter, while non-interest expenses totaled BRL 17.1 billion, up 2.4%. Brazil’s efficiency ratio was 35.7%, compared with 37.1% in the same period last year. Common Equity Tier I was 12.7%; the Liquidity Coverage Ratio was 205.8% and the Net Stable Funding Ratio was 123.7%, against 100% minimums for each. Itaú revised 2026 effective income and social contribution tax-rate guidance to between 28.0% and 29.0%; other guidance was unchanged. The bank also integrated Pontos Itaú into Pix and launched Itaú Pay.
Itaú Unibanco Holding S.A. (ITUB) released revised guidance for 2026. As of November 2026, the company said it had been considering a cost of capital of around 15.25% p.y. to manage its businesses.
Management described its outlooks, projections and operational and financial goals as forecasts based on its current outlook. The company said they depend on market conditions and the economic performance of Brazil, its sector and international markets, and that actual results and performance may differ.
Itaú Unibanco Holding S.A. describes an Internal Charter governing its Board of Officers. The board will have at least 5 and at most 60 members; officers serve one-year terms and may be reelected. An officer who has turned 62 by the election date may not be elected Chief Executive Officer, and an officer who has turned 60 may not be elected to another Board of Officers position.
The Board of Directors determines which officers serve on the Executive Committee, the company’s executive body with maximum authority. The charter assigns it responsibility for implementing board guidelines, carrying out business strategies, managing resources and monitoring risks. Officers must abstain from matters where their interests conflict with the company’s, and officers are assessed annually.
Itaú Unibanco Holding S.A.’s Fiscal Council unanimously issued an opinion stating that the company’s January–September 2026 financial statements fairly reflect its capital structure, financial position and activities during the period. The councilors said they reached that view after examining the statements and taking into consideration the unqualified report of PricewaterhouseCoopers Auditores Independentes.
Itaú Unibanco Holding S.A. furnished an updated Brazilian reference form describing its banking, payments, insurance, asset-management and brokerage businesses, market positions, distribution channels and regulatory framework.
In its segment presentation, prepared under BRGAAP with pro forma adjustments, 2025 net operating revenue was R$112.204 billion in Retail Business, R$62.620 billion in Wholesale Business and R$9.569 billion in Activities with the Market and Corporation. Separately, the IFRS consolidated table reports income related to interest and similar of R$332.062 billion, up 22.5% from 2024; commissions and banking fees were R$46.997 billion, and income from insurance contracts and private pension was R$8.731 billion. More than 4.6 million accounts were opened through digital channels in 2025, representing 68% of all new accounts, and over 99% of transfers and payments were carried out digitally. The overview also describes international operations and positions across lending, cards, asset management and investment services.