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. (ITUB) issued Tier 2 Subordinated Financial Bills totaling R$5.0 billion to professional investors. These instruments qualify as Tier 2 Capital and will be included in the company’s Referential Equity under Central Bank of Brazil rules.
The Financial Bills mature in 2036 and 2037, and may be repurchased from 2031, subject to prior authorization from the Central Bank of Brazil. The issuance is expected to add about 30 basis points to Itaú Unibanco’s Tier 2 capital ratio, calculated on the capital base as of June 30, 2026.
Itau Unibanco Holding S.A. (ITUB) reported that Orestes Vanzo Carlos, SMEs Officer (retail segment), sold 74,643 preferred shares (ITUB4) on September 8, 2026 in a sale in the open market or a private transaction at $8.38 per share, translated from Brazilian reais. Following this transaction, he holds 933,371 preferred shares directly. No Rule 10b5-1 trading plan is reported.
Itaú Unibanco Holding S.A. (ITUB) reports a related-party services transaction between Itaú Unibanco S.A. and Instituto Itaú de Ciência, Tecnologia e Inovação (ICTi), a private association founded by Itaú Unibanco entities. ICTi conducts research, development, prototyping, software development and innovation consulting for Itaú Unibanco under a master agreement signed on July 19, 2023. As of August 31, 2026, the cumulative amount invoiced for these services exceeded R$50 million, triggering a disclosure requirement under Annex F to CVM Resolution No. 80/22, in continuity with earlier communications in February 2025, September 2025 and March 2026. Management states that prices are based on the costs of professionals and project complexity, and that the engagement followed the Company’s Transactions with Related Parties Policy, including approval by a Related Parties Committee composed entirely of independent board members. The Company states that the counterparty and its representatives did not participate in the decision-making process for this transaction.
Itaú Unibanco Holding S.A. (ITUB) announced that it has received conditional preliminary approval from the U.S. Office of the Comptroller of the Currency to establish a nationally chartered bank in the United States, to be named Itaú Bank, National Association. This represents an early milestone toward forming a U.S. national bank but is not the final authorization to begin operations. Launch of Itaú Bank still depends on satisfying regulatory and operational requirements and obtaining additional approvals from authorities including the Federal Reserve Board and the Federal Deposit Insurance Corporation. Itaú notes it has operated in the United States since 1979 and views the new bank charter as aligned with its strategy to strengthen service to clients in the U.S. through expanded banking capabilities and a broader product offering.
Itau Unibanco Holding S.A., as an institutional investment manager, filed a quarterly Form 13F holdings report. The report covers the firm’s discretionary equity and related securities positions that are subject to 13F reporting.
The filing shows 479 reportable positions with an aggregate Form 13F information table value of $5,267,027,662. One additional manager, Itau USA Asset Management Inc., is listed as an other included manager in the filing.
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.