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. will pay interest on capital totaling BRL 3.85 billion to its stockholders. This corresponds to BRL 0.34888 per share, with income tax withholding at 17.5%, resulting in net interest of BRL 0.287826 per share for eligible investors.
The benefit applies equally to common (ITUB3) and preferred (ITUB4) shares. The calculation is based on stockholders’ final position on March 19, 2026, and shares will trade ex-rights from March 20, 2026. Payment will be made by August 31, 2026.
Itaú Unibanco Holding S.A. reported that its Board of Directors approved the payment of interest on capital to stockholders, subject to confirmation by the General Stockholders’ Meeting. The approved gross amount is R$ 0.34888 per share, with a 17.5% income tax withholding, resulting in net interest of R$ 0.287826 per share for eligible holders.
The interest will be credited on March 27, 2026, to stockholders of record on March 19, 2026, and shares will trade ex-rights starting March 20, 2025. Payment is expected to be made by August 31, 2026, following the company’s bylaws and remuneration policy.
Itaú Unibanco Holding S.A. reports solid 2025 results in this Form 6-K, with net income attributable to shareholders of R$44,857 million, up 9.2% from 2024. Operating revenues were broadly stable at R$167,780 million, while recurring consolidated return on equity reached 21.8% and reported ROE 21.6%.
Total assets grew 7.4% to R$3,066,169 million, and the loan and lease portfolio rose 5.7% to R$1,083,798 million. Asset quality improved, with the 90-day non-performing loan ratio at 2.3%, 30 basis points lower than a year earlier. The Common Equity Tier I ratio was 12.3%, down from 13.7%, and the total capital ratio was 15.2%.
The retail segment’s net income increased 26.5% to R$19,130 million, helped by higher credit volumes and fee income, while wholesale net income rose 10.0% to R$23,006 million. Liquidity remained strong, with an average Liquidity Coverage Ratio of 215.0% and a Net Stable Funding Ratio of 124.8%. PwC issued an unqualified opinion on the IFRS consolidated financial statements.
Itau Unibanco Holding S.A. filed a Form 13F reporting its institutional holdings as of the reporting period.
The report lists 413 holdings with a total reported market value of $4,172,504,664. The filing is a routine 13F holdings report submitted and signed by Tatiana Grecco, Executive Officer.
Itaú Unibanco Holding S.A. furnished a Form 6-K to provide the updated 2024 Brazilian Reference Form (version V12) as of 12/31/2024. The document details 2026 projections prepared under BRGAAP, covering the loan portfolio, client and market financial margins, cost of credit, commissions and fees plus insurance results, non-interest expenses, and the effective income tax and social contribution rate.
Management explains that guidance for fiscal year 2026 aligns with the internal budget, may be revised if macroeconomic or regulatory conditions change, and explicitly remains valid on the submission date. The bank highlights a cost of capital of around 15.0% per year used in managing its businesses and explains reclassifications used to adjust the 2025 income statement for comparability with the 2026 guidance.
The filing also summarizes past projections for 2023–2025 and gives reasons for deviations, mainly foreign-exchange effects on the loan book and changes in loan demand. It provides capital distribution data as of April and December 2025, including 5,805,825,958 outstanding shares split between common and preferred stock, key ownership positions such as BlackRock and GQG Partners, the controlling shareholder structure, and detailed biographies and roles of board, executive and fiscal council members.
Itaú Unibanco Holding S.A. reports solid 2025 IFRS results with higher profitability, disciplined costs and active capital management. Net income reached R$45.8 billion, up 8.8% from 2024, while the recurring result grew 9.5% to R$45.4 billion, supported by strong credit and fee performance.
Net interest income rose 8.6% to R$120.0 billion, driven by higher loan revenues and financial assets at amortized cost. The total credit portfolio reached about R$1.5 trillion, expanding across individual, corporate and Latin American operations. The efficiency ratio improved 70 bps to 38.8% as general and administrative expenses fell 0.3%.
Profitability remained high, with reported ROE at 21.6% and recurring ROE at 21.8%. Net income per share rose 9.4% to R$4.05, while dividends and interest on capital for 2025 totaled R$23.4 billion, equivalent to R$2.87 per share, and a 3% bonus share issue was approved.
The board authorized cancellation of 78.9 million preferred shares (R$3.0 billion) and renewed a buyback program for up to 200 million preferred shares through August 2027. Itaú also exercised call options on Tier 2 subordinated instruments totaling R$3.6 billion and US$500 million, modestly reducing its Tier 2 capital ratio.
The bank highlighted digital initiatives such as a Global Account within its SuperApp and an SME relationship program, alongside ESG actions including an “A” rating from CDP, a new ESG Partner seal for sustainable real estate, and R$867.6 million in private social investment. Independent auditors issued an unqualified opinion on the 2025 consolidated IFRS financial statements.
Itaú Unibanco Holding S.A. reports strong capital and liquidity in its Q4 2025 Pillar 3 risk and capital management disclosure. On December 31, 2025, the Common Equity Tier 1 ratio was 12.3%, Tier 1 ratio 13.8% and total capital ratio 15.2%, all above regulatory minimums.
Total capital reached R$ 228,589 million against risk-weighted assets of R$ 1,505,475 million, leaving around R$ 108,151 million of excess capital, equivalent to 7.2 percentage points above the 8% minimum. The Basel III leverage ratio was 7.0%.
Liquidity was also robust, with average high-quality liquid assets of R$ 389.7 billion and a Liquidity Coverage Ratio of 215.0%, plus a Net Stable Funding Ratio of 124.8%. The report details a comprehensive risk governance structure, stress testing, recovery and resolution planning, and a board-approved risk appetite framework covering capital, liquidity, earnings stability, operational risk, reputation and clients.
Itaú Unibanco delivered solid 4Q25 and full-year 2025 results, combining growth with disciplined risk and efficiency. Recurring managerial result reached R$12.3 billion in 4Q25, up 3.7% versus 3Q25 and 13.2% year-on-year, while 2025 recurring managerial result totaled R$46.8 billion, a 13.1% increase over 2024. Annualized recurring managerial return on average equity was 24.4% in 4Q25 and 23.4% for 2025, with operations in Brazil reaching 24.6%.
The total credit portfolio including financial guarantees and private securities rose to R$1.49 trillion, up 6.0% year-on-year, with broad-based growth across individuals, very small, small and middle-market, and corporate segments, and expansion in Latin America. Asset quality remained strong: the consolidated nonperforming loans ratio over 90 days stayed at 1.9%, while cost of credit was R$36.6 billion in 2025, up 6.1%, keeping the cost of credit over portfolio at 2.6%.
Operating revenues grew 9.1% in 2025, supported by a 12.1% rise in financial margin with clients and a 6.3% increase in commissions, fees and insurance results. The efficiency ratio improved to 38.8% on a consolidated basis and 36.9% in Brazil. Capital and liquidity stayed comfortable, with a 15.2% BIS ratio, 12.3% Common Equity Tier I, 215.0% Liquidity Coverage Ratio and 124.8% Net Stable Funding Ratio. For 2026, the bank guides for mid-to-high single-digit credit growth, continued expansion of financial margin with clients and commissions, and cost of credit between R$38.5 billion and R$43.5 billion.
Itaú Unibanco Holding S.A. reports strong 4Q25 and 2025 performance with a recurring managerial result of R$12.3 billion in 4Q25, up 13.2% year over year, and R$46.8 billion in 2025, up 13.1% from 2024. Recurring managerial ROE reached 24.4% in 2025, with 26.0% in Brazil. The total credit portfolio was R$1,490.8 billion at December 31, 2025, rising 6.0% versus a year earlier. Cost discipline continued, with the 4Q25 efficiency ratio at 38.8% consolidated and 36.9% in Brazil. The bank also provides 2026 guidance, targeting mid‑single to high‑single‑digit growth in credit and commissions, cost of credit between R$38.5–43.5 billion, and an effective tax rate between 29.5% and 32.5%.
Itaú Unibanco Holding S.A. approved a new stock buyback program after ending its previous one early. The new program runs from February 4, 2026 through August 4, 2027 and authorizes repurchases of up to 200,000,000 preferred shares, about 3.74% of the 5,349,627,055 preferred shares in free float as of December 31, 2025.
The bank plans to use the repurchased shares both to serve employee and management compensation and incentive plans and to cancel shares. Management highlights potential effects such as higher dividends per share and increased ownership percentages for remaining shareholders, using significant capital and revenue reserves while stating confidence that obligations to creditors and mandatory dividends will still be met.