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Itaú Unibanco Holding S.A. reported higher results for the first six months of 2026 under IFRS. Operating revenues reached R$93.4 billion, up 5.9% versus 1H25. Net income was R$24.2 billion, a 9.5% increase, while the recurring result rose 10.3% to R$24.0 billion. Annualized ROE was 22.4% and recurring ROE 22.8%.
The total credit portfolio was R$1.5 trillion, with growth in Brazil of 7.8% for individuals, 10.7% for companies, and 9.8% in Latin America. Net interest income edged up 0.6% to R$62.9 billion, supported by larger assets at amortized cost and lower deposit expenses. Services and insurance income grew 6.7% to R$28.8 billion, while expected credit loss expenses increased 5.8% to R$18.4 billion as the portfolio expanded.
General and administrative expenses rose 3.9% to R$40.9 billion, driven by wage agreements, provisions and card-related costs, but the efficiency ratio improved to 37.3%, a 30 bps gain. The Tier 1 Capital Ratio was 13.8% (14.0% without the 1.5% AT1 limit, versus 15.0% in Jun‑25). The bank issued R$3.0 billion in perpetual subordinated financial bills (impacting Tier 1 by 19 bps) and later repurchased R$1.4 billion of older Tier 1 instruments (10 bps impact). Net income per share was R$2.14, up 9.9%, and market capitalization reached R$476.9 billion, 26.5% above 1H25.
Itaú Unibanco Holding S.A. reported a recurring managerial result of R$12,407 million in 2Q26, up 1.0% versus 1Q26 and 7.8% year-on-year. Annualized recurring managerial return on equity was 24.3% on a consolidated basis and 25.7% in Brazil, with operating revenues of R$47,985 million.
The total credit portfolio, including financial guarantees and private securities, reached R$1,522.4 billion, growing 2.7% in the quarter and 9.6% over 12 months. Financial margin with clients rose 3.3% to R$32,557 million, while cost of credit increased 1.9% to R$10,139 million, keeping the cost of credit over the loan portfolio ratio stable at 2.7%. The consolidated nonperforming loans ratio over 90 days remained at 1.9%, and the efficiency ratio stood at 37.4%.
Capital and liquidity remained strong, with a Common Equity Tier I ratio of 12.3%, Tier I of 13.8% and a BIS ratio of 15.4%. The Liquidity Coverage Ratio was 202.0% and the Net Stable Funding Ratio 122.1%. Subsequent actions included issuing R$3.0 billion in perpetual subordinated financial bills (adding 19 bps to the Tier 1 ratio), repurchasing R$1.4 billion of older Tier 1 instruments, and winning a five‑year Minas Gerais state payroll contract worth R$2.188 billion in fees, recognized on a deferred basis.
Itaú Unibanco Holding S.A. furnishes an updated Reference Form describing its 2025 business profile, segmented into Retail Banking, Wholesale Banking and Activities with the Market and Corporations. On a BRGAAP-based managerial basis, net operating revenue reached R$167.780 million, led by Retail with R$112.204 million and Wholesale with R$62.620 million.
Retail, which accounted for 61% of the credit portfolio in 2025, offers loans, cards, acquiring, mortgages, insurance, pensions, vehicle finance and consórcios to individuals and SMEs. Wholesale serves mid‑sized and large companies, institutional investors and high‑net‑worth clients through Itaú BBA, asset management, private banking, investment services and brokerage. The group reports leading or top‑tier positions in Brazil in credit cards (21.4% balance market share), merchant acquiring (22.7% of transaction volume), private pensions (19.9% of provisions), insurance, consórcios and private banking (31.1% market share).
Itaú details international operations in Chile, Colombia, Paraguay, Uruguay, the United States and Europe, plus Itau BBA International’s corporate and private banking platforms. Distribution combines 2,277 Brazilian branches and extensive ATMs with fast‑growing digital channels: over 4.6 million accounts were opened digitally in 2025, 68% of all new accounts, and more than 99% of transfers and payments ran through digital platforms. The disclosure also outlines supplier‑risk controls, client concentration metrics and comprehensive regulation under Brazil’s Central Bank, CMN, CVM, SUSEP and Basel III‑aligned capital rules.
Itaú Unibanco Holding S.A. presents Pillar 3 risk and capital information for June 30, 2026. Total Capital (PR) was R$ 242,885 million on risk-weighted assets of R$ 1,581,951 million, giving Basel III ratios of 12.3% CET1, 14.0% Tier 1 and 15.4% Total Capital. The Basel ratio rose 0.6 percentage points versus March 2026, mainly reflecting earnings and new subordinated instruments, partly offset by interest on capital and higher RWA.
In June 2026 Itaú Unibanco issued R$ 3 billion in perpetual subordinated financial bills callable from 2031, adding 0.19 percentage points to Tier 1. The group reports capital in excess of minimum Total Capital requirements of R$ 116,329 million, equal to 7.4 percentage points above the 8% minimum and above the 3.6% capital buffer.
Leverage and liquidity metrics also exceed regulatory thresholds, with a Basel III leverage ratio of 6.8% on exposure of R$ 3,272,146 million, an average Liquidity Coverage Ratio of 202.0% backed by R$ 380.9 billion of HQLA, and a Net Stable Funding Ratio of 122.1%. Extensive disclosures describe risk governance, the Risk Appetite framework, stress testing, the Recovery and Resolution Plan and ICAAP, which indicates sufficient capital and a buffer to cover material risks.
Itaú Unibanco Holding S.A. released revised operational and financial guidance for 2026, updating the outlook described in the Guidance section of its Reference Form. Management states that, for business management purposes as of August 2026, it is considering a cost of capital of around 14.75% p.a..
The company characterizes its outlooks, projections, and operational and financial goals as forecasts based on management’s current view of Itaú Unibanco’s future. It highlights that these expectations depend on market conditions and the economic performance of Brazil, the sector, and international markets, so actual results may differ from this prospective information.
Itaú Unibanco Holding S.A. reported that its Fiscal Council met on August 4, 2026, with all elected members participating. At the meeting, Eduardo Hiroyuki Miyaki was nominated as Chairman of the Company’s Supervisory Council, and Cláudio José Coutinho Arromatte was nominated as his replacement in cases of absence or incapacity for the current annual term.
The Council examined the Company’s financial statements for the period from January to June 2026. Considering the unqualified report issued by PricewaterhouseCoopers Auditores Independentes, the effective members of the Supervisory Council concluded that the statements fairly reflect the capital structure, financial position and activities of the Company for the period and meet the conditions required for submission to stockholders for examination and approval.
Itaú Unibanco Holding S.A. reported a 2Q26 recurring managerial result of R$12.4 billion, up 1.0% versus 1Q26 and 7.8% versus 2Q25. Consolidated recurring managerial ROE was 24.3%. Operating revenues reached R$48.0 billion, with managerial financial margin of R$33.5 billion and financial margin with clients of R$32.6 billion, up 5.1% year over year. Commissions and fees were R$11.0 billion and revenues from insurance, pension and premium bonds R$3.5 billion. Cost of credit was R$10.1 billion, 7.4% higher than 2Q25.
At June 30 2026, the credit portfolio totaled R$1,522.4 billion, 2.7% above March 2026 and 9.6% above June 2025, with Brazil at R$1,269.4 billion and Latin America at R$253.0 billion. The 90‑day NPL ratio in Brazil consolidated stood at 1.9%, unchanged versus March and June 2025. Non‑interest expenses were R$16.7 billion in 2Q26, up 3.3% quarter over quarter.
Capital and liquidity remained strong: CET I was 12.3%, Tier I capital ratio 13.8%, the Liquidity Coverage Ratio 202.0% and the Net Stable Funding Ratio 122.1% at June 30 2026. For 2026, guidance for most lines was maintained, while the cost‑of‑credit growth range was updated to 2.0%–5.0%. Complete financial statements and management discussion and analysis are available on the company’s investor relations website, with press and interactive results presentations scheduled for August 5 2026.
Itaú Unibanco Holding S.A.’s board of directors met on August 4, 2026 and unanimously approved the financial statements for January–June 2026, after a recommendation from the Audit Committee, a favorable opinion from the Supervisory Council, and an unqualified report from the independent auditors.
The board also approved payment on August 28, 2026 of previously declared interest on capital in the gross amount of R$ 0.71076 per share (net R$ 0.586377 per share), and authorized publication of the approved financial statements to the Brazilian and U.S. securities regulators and stock exchanges.
Itaú Unibanco Holding S.A. reported recurring managerial result of BRL 12.4 billion in the second quarter of 2026, with annualized recurring return on average equity of 24.3%. The total credit portfolio reached BRL 1.5 trillion, up 2.7% from the prior quarter, while the 90-day nonperforming loan ratio remained at 1.9% for the sixth consecutive quarter.
Growth was balanced across individuals and corporate clients, with mortgage loans up 3.9%, payroll loans up 3.5% and private-sector payroll loans up 14.3% in the quarter. Financial margin with clients increased 3.3%. Commissions, fees and insurance results rose 0.4%, and non-interest expenses were BRL 16.7 billion, up 3.3%, contributing to an efficiency ratio in Brazil of 35.5%.
The bank ended the quarter with a Common Equity Tier 1 ratio of 12.3%, supported by organic capital generation. Guidance for 2026 growth in commissions, fees and insurance results was revised to a range between 2.0% and 5.0%. Reported results were in line with market consensus of BRL 12,466 million in managerial result.
Itaú Unibanco Holding S.A. will pay previously announced Interest on Capital (IoC) on August 28, 2026. The payments relate to two tranches first disclosed in material facts dated February 26, 2026 and May 28, 2026.
The February tranche totals BRL 3.85 billion, with a gross amount of BRL 0.34888 and net amount of BRL 0.287826 per share, based on a March 19, 2026 record date. The May tranche totals BRL 3.99 billion, with gross BRL 0.36188 and net BRL 0.298551 per share, using a June 18, 2026 record date. Amounts are paid equally to holders of common (ITUB3) and preferred (ITUB4) shares and are subject to 17.5% withholding tax, except for corporate shareholders that qualify for immunity or exemption.