ITAÚ UNIBANCO - MATERIAL FACT - Projections 2025

ITAÚ UNIBANCO - 重要事實材料 - 2025年預測

PR Newswire · 11/05 06:44

SÃO PAULO, Nov. 4, 2025 /PRNewswire/ -- Itaú Unibanco Holding S.A. ("Itaú Unibanco" or "Company"), in compliance with the provisions of Article 157, paragraph 4 of Law No. 6,404/76 and Resolution No. 44/21 of the Brazilian Securities and Exchange Commission (CVM), informs its stockholders and the market in general that it released as of this date its revised projection for the year 2025 in accordance with item 3 ("Projections") of the Reference Form.

聖保羅，2025年11月4日/PRNewswire/-- Itaú Unibanco Holding S.A.（"Itaú Unibanco"或"公司"），根據第6,404/76號法律第157條第4款以及巴西證券交易委員會（CVM）第44/21號決議的規定，通知其股東及廣大市場，公司自本日起發佈了其修訂後的2025年度預測，具體內容見參考表格第3項（"預測"）。

	Consolidated	Reviewed
Total credit portfolio1	Growth between 4.5% and 8.5%	Maintained
Financial margin with clients	Growth between 11.0% and 14.0%	Maintained
Financial margin with the market	Between R$1.0 bn and R$3.0 bn	Between R$3.0 bn and R$3.5 bn
Cost of credit2	Between R$34.5 bn and R$38.5 bn	Maintained
Commissions and fees and results from insurance operations3	Growth between 4.0% and 7.0%	Maintained
Non-interest expenses	Growth between 5.5% and 8.5%	Maintained
Effective tax rate	Between 28.5% and 30.5%	Maintained
(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 (-) insuanrce, pension plan and premium bonds selling expenses.

	合併的	修訂後的
總信貸組合1	增長率介於 4.5%至8.5%之間	保持不變
與客戶之間的財務利潤	增長介於 11.0%至14.0%	保持不變
與市場保持財務利潤率	介於 10億巴西雷亞爾和30億巴西雷亞爾	介於 30億巴西雷亞爾和35億巴西雷亞爾
信貸成本2	介於 345億巴西雷亞爾和385億巴西雷亞爾	保持不變
佣金、費用及保險業務結果來自保險業務的結果3	增長介於 4.0%至7.0%之間	保持不變
非利息支出	增長介於 5.5%至8.5%之間	保持不變
有效稅率	介於 28.5% 和 30.5%	保持不變
(1) 包括提供的財務擔保和私人證券；(2) 由預期損失費用、給予的折扣和沖銷貸款的回收組成；(3) 佣金和費用(+)保險、養老金計劃和溢價債券業務收入(-)索賠費用(-)保險、養老金計劃和溢價債券銷售費用。

It is important to mention that, as of February 2025, the company considers a cost of capital of around 15.0% p.y. in the management of its businesses.

重要的是要提到，自2025年2月起，公司在其業務管理中考慮約15.0%的年資本成本。

Information on outlooks for the business, projections, and operational and financial goals are solely forecasts, based on management's current outlook in relation to the future of Itaú Unibanco. These expectations are highly dependent on market conditions, the general economic performance of the country, of the sector and the international markets. Therefore, our effective results and performance may differ from those forecasted in this prospective information.

關於業務前景、預測以及運營和財務目標的信息僅爲預測，基於管理層當前對Itaú Unibanco未來發展的展望。這些預期高度依賴於市場條件、國家整體經濟表現、行業及國際市場的狀況。因此，我們的實際結果和表現可能與此前瞻性信息中的預測有所不同。

Gustavo Lopes Rodrigues

Investor Relations Officer

投資者關係專員

Contact: Itaú Unibanco – Comunicação Corporativa
Phone: (11) 5019-8880 / 8881
E-mail: [email protected]

聯繫人：Itaú Unibanco – 企業傳播部
電話：（11）5019-8880 / 8881
E-mail: [email protected]

SOURCE Itaú Unibanco Holding S.A.

來源：伊塔烏聯合銀行控股公司