Itaú Unibanco (NYSE: ITUB) moves BRL 2.5B Colombia retail book
Rhea-AI Filing Summary
Itaú Unibanco Holding S.A. reports that its subsidiary Banco Itaú Colombia S.A. has completed the transfer of certain assets, liabilities and contracts related to its retail banking operations for individuals to Banco de Bogotá S.A. at book value.
The Transaction includes approximately BRL 9.7 billion in loan portfolio (net of provisions) and BRL 7.2 billion in deposits, with a net value of approximately BRL 2.5 billion, based on the exchange rate as of June 30, 2026. The company states that the Transaction has no material impact on its regulatory capital ratio, and that Itaú Colombia will focus on the Corporate Banking segment, aligned with a strategy of maximizing return on capital.
Positive
- None.
Negative
- None.
Key Figures
Loan portfolio transferred: BRL 9.7 billion
Deposits transferred: BRL 7.2 billion
Net value of Transaction: BRL 2.5 billion
+1 more
4 metrics
Loan portfolio transferred
BRL 9.7 billion
Loan portfolio (net of provisions) included in the Transaction
Deposits transferred
BRL 7.2 billion
Deposits included in the Transaction
Net value of Transaction
BRL 2.5 billion
Net value of the Transaction based on June 30, 2026 exchange rate
FX reference date
June 30, 2026
Exchange rate date used for BRL amounts in the Transaction
Key Terms
retail banking operations, regulatory capital ratio, loan portfolio, Corporate Banking segment, +1 more
5 terms
retail banking operations financial
"transfer of certain assets, liabilities, and contracts related to its retail banking operations for individuals"
regulatory capital ratio financial
"The Transaction has no material impact on the Company's regulatory capital ratio"
A regulatory capital ratio measures how much financial cushion a bank or similar firm holds compared with the amount and riskiness of its assets, expressed as a percentage. Think of it as a safety margin or seatbelt that regulators require so the institution can absorb losses without failing; investors watch it because higher ratios mean lower failure risk, more lending and dividend flexibility, and fewer regulatory constraints.
loan portfolio financial
"comprises approximately BRL 9.7 billion in loan portfolio (net of provisions)"
A loan portfolio is the collection of loans a lender holds—such as mortgages, business loans and credit cards—think of it as a basket of IOUs. The mix and quality of those loans determine how much income the lender can expect and how much risk it carries: steady, low-risk loans provide reliable payments while risky loans raise the chance of losses. Investors monitor portfolio size, diversity, default rates and reserves for losses because those factors directly affect future profits, capital needs and overall financial stability.
Corporate Banking segment financial
"Itaú Colombia will focus its operations on the Corporate Banking segment"
Material Event Notice regulatory
"The full Material Event Notice is available on Itaú Chile's Investor Relations website"
AI-generated analysis. How Rhea-AI works. Not financial advice.
FAQ
What transaction did Itaú Unibanco (ITUB) complete in Colombia?
Itaú Unibanco completed a transfer by Banco Itaú Colombia S.A. of certain assets, liabilities and contracts from its retail banking operations for individuals to Banco de Bogotá S.A. at book value, as part of a strategic refocus of its Colombian business.
What assets and liabilities were transferred by Itaú Unibanco (ITUB) in Colombia and in what amounts?
The Transaction covers approximately BRL 9.7 billion in loan portfolio (net of provisions) and BRL 7.2 billion in deposits. These balances reflect Itaú Colombia’s transferred retail banking exposure to individuals as part of the deal with Banco de Bogotá S.A. at book value.
What is the net value of the Colombia Transaction for Itaú Unibanco (ITUB)?
The company reports that the net value of the Transaction is approximately BRL 2.5 billion, calculated on balances based on the June 30, 2026 exchange rate. This figure reflects the difference between transferred assets and liabilities within the retail banking portfolio.
How does the Colombia Transaction affect Itaú Unibanco’s (ITUB) regulatory capital ratio?
The company states that the Transaction has no material impact on its regulatory capital ratio. This means that, despite transferring BRL 9.7 billion in loans and BRL 7.2 billion in deposits, overall capital adequacy metrics for the group remain broadly unchanged.
What will be Itaú Colombia’s strategic focus after this Transaction for Itaú Unibanco (ITUB)?
After closing, Itaú Colombia will focus its operations on the Corporate Banking segment. The company explains this shift is in line with its strategy of maximizing return on capital by emphasizing corporate clients rather than retail individuals in Colombia.
Where can investors find more details on the Itaú Unibanco (ITUB) Colombia Transaction?
Further information is available in the full Material Event Notice, accessible via Itaú Chile’s Investor Relations website at the URL provided: https://api.mziq.com/.... This annex offers additional details beyond the high-level figures disclosed in the market announcement.
| UNITED STATES | |||||||||||
| SECURITIES AND EXCHANGE COMMISSION | |||||||||||
| Washington, D.C. 20549 | |||||||||||
| FORM 6-K | |||||||||||
| Report of Foreign Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 | |||||||||||
| For the month of July, 2026 | |||||||||||
| Comission File Number: 001-15276 | |||||||||||
| Itaú Unibanco Holding S.A. | |||||||||||
| (Exact name of registrant as specified in its charter) | |||||||||||
| Itaú Unibanco Holding S.A. | |||||||||||
| (Translation of Registrant’s Name into English) | |||||||||||
| Praça Alfredo Egydio de Souza Aranha, 100 - Torre Conceição | |||||||||||
| CEP 04344-902 São Paulo, SP, Brazil (Address of principal executive office) | |||||||||||
| Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F. | |||||||||||
| Form 20-F ☒ | Form 40-F ☐ | ||||||||||
| Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): | |||||||||||
| Yes ☐ | No ☒ | ||||||||||
| Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7): | |||||||||||
| Yes ☐ | No ☒ | ||||||||||
| Indicate by check mark whether by furnishing the information contained in this Form, the registrant is also thereby furnishing information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934. | |||||||||||
| Yes ☐ | No ☒ | ||||||||||
| If “Yes” is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b): | |||||||||||
| 82– __________________ | |||||||||||
EXHIBIT INDEX
| 99.1 | ITAÚ UNIBANCO - Announcement to the Market - Completion of the Itaú Colombia transaction | ||||||||||
.
| Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. | ||||||||||||||
| Date: July 31, 2026. | ||||||||||||||
Itaú Unibanco Holding S.A. By: /s/ Gustavo Lopes Rodrigues Name: Gustavo Lopes Rodrigues Title: Investor Relations Officer. | ||||||||||||||
Announcement to the Market Itaú Unibanco Holding S.A. ("Company") informs its shareholders and the market that its subsidiary, Banco Itaú Colombia S.A. ("Itaú Colombia"), has completed the transfer of certain assets, liabilities, and contracts related to its retail banking operations for individuals (the "Transaction") to Banco de Bogotá S.A. at book value. The Transaction comprises approximately BRL 9.7 billion1 in loan portfolio (net of provisions) and BRL 7.2 billion1 in deposits. The net value of the Transaction is approximately BRL 2.5 billion¹. The Transaction has no material impact on the Company's regulatory capital ratio. Following the closing of the Transaction, Itaú Colombia will focus its operations on the Corporate Banking segment, in line with the strategy of maximizing return on capital. For further information, please refer to the details attached as Annex I. São Paulo - SP, July 31, 2026. Gustavo Lopes Rodrigues Investor Relations Officer 1 Based on the exchange rate as of June 30, 2026.
Announcement to the Market Annex I The full Material Event Notice is available on Itaú Chile's Investor Relations website and may be accessed through the following URL: (https://api.mziq.com/mzfilemanager/v2/ d/4a2da77a-1e3e-41d5-8eb2-01dc7b15a10f/1eb1e44a-56e9-684f-ea3c-ca2e2d668bba? origin=2 ).