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Itaú Unibanco (NYSE: ITUB) Q1 2026 profit reaches R$12.3B

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Rhea-AI Filing Summary

Itaú Unibanco Holding S.A. reported a 1Q26 recurring managerial result of R$12.3 billion, up 10.4% from 1Q25, reflecting solid earnings growth after incorporating Avenue’s results. Recurring managerial ROE reached 24.8% on a consolidated basis, with Brazil posting 26.4%.

The total credit portfolio ex-foreign exchange variation was R$1,482.7 billion, 9.0% higher than a year earlier, driven by mortgages, very small, small and middle-market, and corporate loans. The bank maintained a Common Equity Tier I capital ratio of 12.0%, essentially stable versus March 2025.

Cost of credit totaled R$9.95 billion in 1Q26, 4.5% higher year over year, while consolidated non-interest expenses were R$16.2 billion, up 4.8% versus 1Q25 but 5.0% lower than 4Q25, improving the efficiency ratio to 37.1% in Brazil. Management reaffirmed that 2026 guidance ranges, including 5.5%–9.5% total credit growth and a 29.5%–32.5% financial margin with clients, remain unchanged.

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Insights

Itaú Unibanco delivered higher Q1 earnings with stable capital and unchanged 2026 guidance.

Itaú Unibanco generated a recurring managerial result of R$12.3 billion in 1Q26, up 10.4% year over year, with consolidated recurring ROE at 24.8%. Credit volume ex-foreign exchange grew 9.0% year over year to R$1,482.7 billion, showing broad-based expansion across mortgages, SMEs and corporates.

Asset quality indicators remained controlled, with credit costs at R$9.95 billion, up 4.5% versus 1Q25, and sales of low-recovery loans worth R$32 million without impact on ratios. The 12.0% Common Equity Tier I ratio as of March 2026 indicates a solid capital buffer under current regulatory standards.

Operating discipline is visible in non-interest expenses of R$16.2 billion, rising 4.8% year over year but falling 5.0% versus 4Q25, helping the Brazil efficiency ratio reach 37.1%. The decision to keep full-year 2026 guidance unchanged, including total credit growth between 5.5% and 9.5% and financial margin with clients between 29.5% and 32.5%, suggests management sees current trends as consistent with its existing plan.

Recurring managerial result R$12.3 billion Q1 2026, up 10.4% vs Q1 2025
Recurring managerial ROE 24.8% Q1 2026, consolidated
Credit portfolio ex-FX R$1,482.7 billion As of March 2026, 9.0% higher year over year
Cost of credit R$9,952 million Q1 2026, 4.5% increase vs Q1 2025
Non-interest expenses R$16.2 billion Q1 2026, +4.8% YoY, -5.0% QoQ
Common Equity Tier I (CET I) 12.0% As of March 2026, nearly unchanged vs March 2025
Operating revenues R$46,822 million Q1 2026, 4.5% above Q1 2025
2026 credit growth guidance 5.5%–9.5% Total credit portfolio guidance for 2026
Recurring managerial result financial
"R$12.3 billion Recurring managerial result¹ 1Q26"
Common Equity Tier I (CET I) financial
"Capital principal (CET I) 12,0% 0.1 p.p. vs Dec-25"
cost of credit financial
"Cost of credit (in R$ billion) 9.5 9.4 9.4 9.7 10.0"
The cost of credit is the total price a borrower pays to use someone else’s money, including interest, fees, and any other charges over the life of a loan or credit line. Like the fuel bill for running a business, higher credit costs reduce profits and cash flow, change how much a company can borrow, and affect investor judgments about valuation, risk and future growth prospects.
efficiency ratio financial
"Efficiency ratio (%) Non-interest expenses 1Q26 4Q25"
A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.
Stage 3 coverage financial
"Stage 3 portfolio Stage 3 coverage Stage 2 coverage"
managerial financial margin financial
"Managerial Financial Margin 32,326 32,314 0.0% 31,081 4.0%"

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Form 6-K: How Foreign Companies Report to the SEC →

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 May, 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 - Earnings Review Presentation 1Q26




.




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: May 5, 2026.
Itaú Unibanco Holding S.A.
By: /s/ Gustavo Lopes Rodrigues
Name: Gustavo Lopes Rodrigues
Title: Investor Relations Officer.

1 São Paulo, May 6th 2026 Itaú Unibanco Holding S.A.

 

2 Highlights Note: As from the first quarter of 2026, the income statement considered the managerial reclassifications announced at the closing of the fourth quarter of 2025, in addition to the consolidation of Avenue’s results due to the acquisition of control of the company. (1) Excluding the effect of the early dividend distribution that occurred at the end of 2025, the recurring managerial result would have been R$12.7 billion. (2) Considering the Common Equity Tier I (CET I) at 11.5%, in 1Q26 the consolidated recurring managerial return would have been 25.8% in the consolidated and 27.6% in Brazil. 1Q26 0.3% vs 4Q25 10.4% vs 1Q25 R$12.3 billion Recurring managerial result¹ 1Q26 0.4 p.p. vs 4Q25 2.3 p.p. vs 1Q25 Recurring managerial ROE² 24.8%CONSOLIDATED 0.4 p.p. vs 4Q25 2.8 p.p. vs 1Q25 BRAZIL Mar-26 Credit portfolio (ex- fx variation) R$1,483 billion 4,5 % vs dez/25Ex-variação cambial Mar-26 > 90 days NPL Mar-26 15 - 90 days NPL mar-26 0,3 p.p. vs dez-25 0,6 p.p. vs mar-25 Capital principal (CET I) 12,0%0.1 p.p. vs Dec-25 0.1 p.p. vs Mar-25 1.7% Stable vs Dec-25 Stable vs Mar-25 1.9% Estável vs dez-25 0,1 p.p. vs mar-25 2,1%BRASIL 26.4% EM ATUALIZAÇÃO 1Q26 Non-interest expenses 5.0% vs 4Q25 4.8% vs 1Q25 R$16.2 billion 1.2% vs Dec-25 9.0% vs Mar-25

 

3 Mar-26 x Dec-25 Mar-26 x Mar-25 1Q26 x 4Q25 1T26 x 1T25 In R$ billion Private sector Target clients 0.0% SMEs Government facilities 9.9% 19.1% Payroll loans Credit cards R$ 32 bilhões Originação últimos 12 meses Maior banco privado em Crédito Imobiliário 51% market share entre os privados² 63.0% Uniclass + Personnalité 0.5% 20.2% 2.2% Average balance Individuals 6,8% 4.6%SMEs 2,7% Credit portfolio EM ATUALIZAÇÃO EM ATUALIZAÇÃO 1.6%Corporate 6,8% 3.6%Latin America 4,5% 4.0% 52.2% Itaú Unibanco Sistema ex- Itaú Unibanco NPL 90 dias – mar/26 5,1% Cartão de crédito 10,2% Produtor Rural: ~ 30% da carteira Agro + 80% da carteira com garantia forte  tri +0,1 p.p. +0,1 p.p. Agronegócio Mar-26 Dec-25  Mar-25  Individuals 479.5 474.3 1.1% 448.8 6.8% Credit card loans 150.2 153.5 -2.1% 138.9 8.2% Personal loans 68.6 67.4 1.8% 67.3 1.8% Payroll loans 78.6 75.3 4.4% 74.1 6.1% Auto loans 35.7 36.3 -1.7% 36.8 -3.2% Mortgage 146.4 141.7 3.3% 131.6 11.2% Very small, small and middle market loans 302.8 303.1 -0.1% 273.2 10.9% Corporate loans 454.8 455.9 -0.2% 425.3 6.9% Total Brazil 1,237.1 1,233.2 0.3% 1,147.3 7.8% Latin America 245.6 257.6 -4.7% 235.8 4.2% Total¹ 1,482.7 1,490.8 -0.5% 1,383.1 7.2% Total (ex-fx variation) 1,482.7 1,465.3 1.2% 1,360.2 9.0% Very small, small and middle market loans 302.8 299.3 1.2% 266.1 13.8% Corporate loans 454.8 451.6 0.7% 418.0 8.8% Latin America 245.6 240.2 2.2% 226.9 8.2% (1) Includes private securities and financial guarantees provided. Mar-26 x Dec-25 Mar-26 x Mar-25 Mar-26 x Dec-25 Mar-26 x Mar-25

 

4 9.2% 9.4% 9.2% 9.1% 9.1% 6.2% 6.4% 6.3% 6.2% 6.1% 6.2% 1Q25 2Q25 3Q25 4Q25 1Q26 In R$ billion Margin with clients Risk-adjusted margin with clients R$0.1 bn (+0.3%) Financial margin with clients Annualized average margin Consolidated Annualized average margin Brazil (1) Includes capital allocated to the business areas (except treasury), in addition to working capital of the corporation; (2) Change in the composition of assets with credit risk between periods in Brazil; (3) Latin America and structured wholesale operations. R$0.4 bn (+1.1%) ¹ ¹2 3 R$0.2 bn (-0.7%) 31.7 27.7 ​ 27.8 32.1 31.5 -4.0 -0.1 -0.6 -0.1 -0.6 0.4 0.5 4.2 4Q25 Working capital and others 4Q25 Spread-sensitive operations 4Q25 Average Volume Product Mix Spreads and liabilities' margin Calendar and working days Latin America and others Spread-sensitive operations 1Q26 Working capital and others 1Q26 (ex-earlier dividend payment) 1Q26 (ex-earlier dividend payment) Earlier dividend payment 1Q26 10.1% 10.3% 10.1% 10.0% 10.0% 6.7% 7.0% 6.8% 6.8% 6.6% 6.7% 1Q25 2Q25 3Q25 4Q25 1Q26 Risk-adjusted margin with clients (ex-early dividend distribution)

 

5 Financial margin with the market Brazil Latin America Capital index hedge in R$ billion 0.2 0.2 0.3 0.2 0.2 1.2 1.3 1.3 1.1 1.3 0.9 0.9 0.9 0.6 0.8 -0.5 -0.6 -0.7 -0.7 -0.7 1Q25 2Q25 3Q25 4Q25 1Q26

 

6 (1) Includes fund management fees and “consórcio” management fees; (2) Result from insurance includes the revenues from insurance, pension plan and premium bonds operations net of retained claims. Seguros6 2025 x 2024 13,1%Prêmios ganhos 20,4%Resultado recorrente Adquirência 1T26 x 4T25 1T26 x 1T25 26,0%5,9%R$ 283 bilhões Volume transacionado Administração de recursos mar/25 x mar/24 Xx,x%R$ xxx bilhões Captação líquida em 2025 R$ x,x trilhões Ativos sob Gestão e Administração4 Xx,x% 27% de market share Líder5 em originação e distribuição de renda fixa em 2M26 R$ 16 bi Volume originado Commissions, fees and result from insurance EM ATUALIZAÇÃO EM ATUALIZAÇÃO 1Q26 4Q25  1Q25  Card issuance 3.3 3.5 -6.3% 3.2 1.5% Current account for individuals 0.5 0.6 -5.1% 0.7 -21.5% Credit operations and guarantees issued 0.6 0.6 5.5% 0.6 5.4% Payments and collections 2.0 2.2 -9.2% 2.1 -7.0% Asset management¹ 1.9 2.1 -8.3% 1.7 15.1% Advisory services and brokerage 1.3 1.5 -13.5% 1.1 18.9% Other Brazil 0.5 0.5 -9.4% 0.5 -1.8% Latin America 0.9 1.0 -1.2% 0.9 3.1% Commissions and fees 11.0 11.8 -7.1% 10.7 2.4% Insurance, pension plans and premium bonds² 3.0 3.0 0.0% 2.6 17.2% Commissions and insurance 14.0 14.9 -5.7% 13.3 5.3% in R$ billion

 

7 2.8% 3.1% 3.0% 3.0% 2.7% 3.0% 1.2% 1.2% 1.2% 1.3% 1.3% 1.4% 0.02% 0.09% 0.05% 1.05% 0.03% 0.1% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 2.0% 1.9% 1.9% 1.9% 1.9% 1.9% 2.1% 2.0% 2.0% 2.0% 2.0% 2.1% 1.3% 1.4% 1.4% 1.3% 1.2% 1.1% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 1.6% 1.8% 1.7% 2.0% 1.6% 1.7% 1.5% 1.7% 1.6% 1.9% 1.5% 1.7% 2.3% 2.2% 2.3% 2.2% 2.1% 2.1% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 3.8% 3.6% 3.6% 3.6% 3.6% 3.6% 1.7% 1.6% 1.6% 1.7% 1.8% 1.9% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 15 - 90 days NPL - % Consolidated 90 days NPL- % Brazil Consolidated Brazil (1) No primeiro trimestre de 2026, realizamos vendas de créditos com baixa probabilidade de recuperação para empresas não ligadas e sem retenção de riscos, que estariam ativos ao final de março/26 e em atraso acima de 90 dias no valor de R$ x,x bilhões. Credit quality Brazil Total Latin America Individuals Very small, small and middle market companies Corporate Note: In the first quarter of 2026, we sold loans with low probability of recovery to unrelated companies and without risk retention, which would be active at the end of March-26 and overdue over 90 days worth R$32 million, without impact in credit ratios.

 

8 7.1% 4.2% 100 123 105 Dec-19 Jan-26 56% 21 % 18% 8% Auto loans Individuals | indebtedness¹ ex-mortgage 36% Credit Quality Total 55% Individuals | Over 90 days NPL SMEs | Collateralized portfolio 15% Dec-19 Mar-26 Personal loans² Credit card Itaú Mercado ex- Itaú Target Total (1) Indebtedness: total amount of debt with the National Financial System (SFN) / families’ accumulated income over the last 12 months. Considering a base of 100 in Dec-19, in Jan-26 total market indebtedness including mortgage was 120, while Itaú total was 112. Considering a base of 100 in Dec-19, in Jan-26 Itaú, considering target clients including mortgage was 108. Source: Brazilian Central Bank. (2) non-payroll personal loan. Individuals’ credit portfolio with collaterals: 56% Farmers 78% Market share ~20% 4% Agribusiness | Mar-26 Farmers’ credit portfolio with collaterals³ Portfolio | Base 100 100 199 Dec-19 Mar-26 Concentration5 20% Dec-19 Mar-26 % Investment Grade6 69% 79% Dec-19 Mar-26 Corporate Agribusiness chapter 114 mkt share 31% ( vs Dec-19) 17% Private payroll loans 82% (3) Land lien. (4) The Brazilian equivalent to chapter 11; (5) 10 largest credit risk exposures (including credit, securities and financial guarantees) over total portfolio. (6) internal criteria. Very small and Small 37% 70% Dec-19 Mar-26 9.3% 5.1% 10.2% 5.1% 6.2% 3.5% Traduzir 100 123 106 Dec-19 Jan-26 Market x-Itaú

 

9 22.9% 23.7% 24.1% 23.9% 23.3% 22.9% 24.5% 26.1% 26.5% 26.5% 26.3% 26.2% 16.9% 16.6% 16.7% 14.5% 14.4% 14.6% 23.9% 22.9% 23.6% 24.2% 22.5% 20.8% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 55.0% 56.1% 55.8% 55.9% 54.7% 53.6% 59.8% 61.4% 59.2% 59.6% 59.7% 59.3% 42.4% 43.1% 43.4% 40.2% 39.4% 39.7% 55.3% 55.9% 57.1% 57.8% 55.4% 52.2% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Stage 2 portfolio (1) No quarto trimestre de 2024, realizamos vendas de créditos com baixa probabilidade de recuperação para empresas não ligadas e sem retenção de riscos, que estariam ativos ao final de dezembro/24 no valor de R$ 70 milhões do segmento de grandes empresas. +0,02 p.p. Stage 3 portfolio Stage 3 coverageStage 2 coverage Credit quality – Resolution 4,966 ratios 4.1% 4.3% 4.2% 4.1% 4.0% 4.2% 7.7% 8.0% 7.8% 7.6% 7.4% 7.5% 4.6% 4.6% 4.6% 4.4% 4.1% 4.0% 1.7% 1.8% 1.8% 1.9% 1.9% 2.1% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 4.4% 4.4% 4.3% 4.2% 3.9% 4.0% 6.0% 5.8% 5.9% 5.8% 5.8% 5.7% 4.2% 4.3% 4.2% 4.0% 3.8% 3.7%3.5% 3.5% 3.3% 3.3% 2.7% 3.1% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Individuals Total Latin America Companies

 

10 Quality and cost of credit 40.1 38.8 38.4 35.1 34.8 23.7 22.6 22.0 18.3 18.0 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 2.7% 2.7% 2.7% 2.7% 2.7% 3.2% 3.1% 3.0% 2.6% 2.6% Annualized cost of credit / Loan portfolio² - (%) Cost of credit¹ (in R$ billion) Renegotiated portfolio (Credit and securities) (in R$ billion) Renegotiated portfolio/ Total portfolio³ - (%) 9.5 9.4 9.4 9.7 10.0 1Q25 2Q25 3Q25 4Q25 1Q26 Renegotiated Restructured (1) Expected loss expenses + recovery of loans + discounts granted. (2) cost of credit over the average portfolio, that includes FIDC, exposures to financial institutions and the operations by our agribusiness trading company. (3) Loan portfolio balance ex- financial guarantees provided.

 

11 39.6% 37.0% 38.0% 38.8% 38.3% 37.1% 37.4% 35.1% 36.3% 37.1% 36.4% 34.9% 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Consolidated Brazil Efficiency ratio (%) Non-interest expenses 1Q26 4Q25  1Q25  Commercial and administrative (personnel) (6.5) (6.7) -3.4% (6.0) 7.2% Transactional (personnel, operations and services) (3.9) (4.2) -7.1% (4.0) -1.0% Technology (personnel and infrastructure) (3.1) (3.2) -2.5% (2.8) 8.9% Other (0.5) (0.7) -31.0% (0.5) 10.2% Total - Brazil (14.0) (14.8) -5.6% (13.3) 5.2% Latin America (2.2) (2.2) -1.0% (2.2) 1.9% Non-interest expenses (16.2) (17.0) -5.0% (15.5) 4.8% In R$ billion

 

12 (1) Includes Prudential and equity adjustments. Capital Dec-25 Tier I capital Net income Mar-26 Tier I capital + 0.8% Phase in of operational risk and resolution 229 - 0.3% 1.4% 12.0% Risk weighted assets1 - 0.5% 13.4% Dividends and interest on own capital and shares buyback - 0.4% 12.3% 1.5% 13.8% Common Equity Tier I (CET I) Additional Tier I (AT1)

 

13 Annual reports Integrated Annual Report ESG Report Strategic overview of value creation and business, as well as climate-related topics and capital performance Overview of environmental, social and Governance topics, focusing on management practices and business GRI summary, SASB, SDG, PRB and PRSAC. ESG indicators spreadsheet with historical data

 

14 São Paulo, May 6th 2026 Itaú Unibanco Holding S.A.

 

15 Additional information

 

16 2026 Guidance Guidance for the year remains unchanged 2026 Guidance Total credit portfolio¹ Credit portfolio - Brazil Financial margin with clients Cost of credit² Financial margin with the market Commissions and fees and results from insurance operations³ Non-interest expenses Effective tax rate Growth between 5.5% and 9.5% Growth between 6.5% and 10.5% Between 29.5% and 32.5% Growth between 1.5% and 5.5% Growth between 5.0% and 9.0% Between R$38.5 bn and R$43.5 bn Between R$2.5 bn and R$5.5 bn Growth between 5.0% and 9.0% (1) Includes financial guarantees provided and private securities; (2) Composed of expected loss expenses, discounts granted and recovery of loans written off as losses; (3) Commissions and fees (+) income from insurance, pension plan and premium bonds operations (+) expenses for claims

 

17 Results In R$ million 1Q26 4Q25 1Q25 Operating Revenues 46,822 47,617 -1.7% 44,793 4.5% Managerial Financial Margin 32,326 32,314 0.0% 31,081 4.0% Financial Margin with Clients 31,506 31,717 -0.7% 30,158 4.5% Financial Margin with the Market 820 597 37.4% 923 -11.2% Commissions and Fees 10,993 11,836 -7.1% 10,736 2.4% Revenues from Insurance 1 3,504 3,468 1.0% 2,976 17.7% Cost of Credit (9,952) (9,710) 2.5% (9,524) 4.5% Expected Loss Expenses (10,241) (10,031) 2.1% (9,494) 7.9% Discounts Granted (949) (1,195) -20.6% (1,262) -24.8% Recovery of Loans Written Off as Losses 1,238 1,516 -18.3% 1,233 0.4% Retained Claims (470) (435) 8.2% (389) 20.9% Other Operating Expenses (18,875) (19,686) -4.1% (18,152) 4.0% Non-interest Expenses (16,188) (17,045) -5.0% (15,450) 4.8% Tax Expenses for ISS, PIS, Cofins and Other Taxes (2,687) (2,642) 1.7% (2,701) -0.5% Income before Tax and Minority Interests 17,525 17,786 -1.5% 16,729 4.8% Income Tax and Social Contribution (4,939) (5,055) -2.3% (5,280) -6.5% Minority Interests in Subsidiaries (305) (414) -26.5% (321) -5.1% Recurring Managerial Result 12,282 12,317 -0.3% 11,128 10.4%   (1) Revenues from Insurance includes the Revenues from Insurance, Pension Plan and Premium Bonds Operations before Retained Claims.

 

18 Business model (1) Revenues from Insurance includes the Revenues from Insurance, Pension Plan and Premium Bonds Operations before Retained Claims . (2) Include Tax Expenses (ISS, PIS, COFINS and other) and Minority Interests in Subsidiaries. Total Credit Trading Insurance & services Excess capital Total Credit Trading Insurance & services Excess capital Total Credit Trading Insurance & services Excess capital Operating revenues 46.8 26.6 1.0 18.8 0.4 44.8 24.8 0.8 18.6 0.5 2.0 1.8 0.2 0.2 (0.2) Managerial financial margin 32.3 22.4 1.0 8.5 0.4 31.1 20.8 0.8 9.0 0.5 1.2 1.6 0.2 (0.5) (0.2) Commissions and fees 11.0 4.2 - 6.8 - 10.7 4.1 - 6.7 - 0.3 0.1 - 0.1 - Revenues from insurance ¹ 3.5 - - 3.5 - 3.0 - - 3.0 - 0.5 - - 0.5 - Cost of credit (10.0) (10.0) - - - (9.5) (9.5) - - - (0.4) (0.4) - - - Retained claims (0.5) - - (0.5) - (0.4) - - (0.4) - (0.1) - - (0.1) - Non-interest expenses and other² (19.2) (10.1) (0.2) (8.8) (0.0) (18.5) (9.8) (0.2) (8.4) (0.0) (0.7) (0.4) (0.0) (0.4) 0.0 Recurring managerial result 12.3 4.8 0.5 6.6 0.3 11.1 3.9 0.3 6.4 0.5 1.2 0.9 0.2 0.2 (0.2) Average regulatory capital 198.2 126.8 8.8 51.3 11.3 196.8 120.3 4.9 51.5 20.1 1.3 6.4 3.9 (0.2) (8.8) Value creation 5.4 0.6 0.2 4.7 (0.1) 4.3 (0.2) 0.2 4.6 (0.2) 1.1 0.8 0.0 0.1 0.1 Recurring managerial ROE 24.8% 15.3% 23.5% 51.7% 10.4% 22.5% 13.1% 27.8% 49.6% 9.1% 2.3 p.p. 2.2 p.p. -4.3 p.p. 2.1 p.p. 1.3 p.p. 1Q26 1Q25  (1Q26 x 1Q25)In R$ billion

 

19 São Paulo, May 6th 2026 Itaú Unibanco Holding S.A.

 

Source: View Original Filing on SEC EDGAR

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