ITAÚ UNIBANCO - MATERIAL FACT - Projections 2025
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.
圣保罗，2025年11月4日/PRNewswire/-- Itaú Unibanco Holding S.A.（"Itaú Unibanco"或"公司"），根据第6,404/76号法律第157条第4款以及巴西证券交易委员会（CVM）第44/21号决议的规定，通知其股东及广大市场，公司自本日起发布了其修订后的2025年度预测，具体内容见参考表格第3项（"预测"）。
| |
Consolidated |
Reviewed |
| Total credit portfolio1 |
Growth between |
Maintained |
| Financial margin with clients |
Growth between |
Maintained |
| Financial margin with the market |
Between |
Between |
| Cost of credit2 |
Between |
Maintained |
| Commissions and fees and results |
Growth between |
Maintained |
| Non-interest expenses |
Growth between |
Maintained |
| Effective tax rate |
Between |
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. | ||
| |
合并的 |
修订后的 |
| 总信贷组合1 |
增长率介于 |
保持不变 |
| 与客户之间的财务利润 |
增长介于 |
维持 |
| 与市场保持财务利润率 |
介于 |
介于 |
| 信贷成本2 |
介于 |
维持不变 |
| 佣金、费用及保险业务结果 |
增长率介于 |
保持稳定 |
| 非利息支出 |
增长率保持在 |
维持不变 |
| 有效税率 |
介于 |
维持 |
| (1) 包括提供的财务担保和私人证券；(2) 由预期损失费用、给予的折扣和冲销贷款的回收组成；(3) 佣金和费用(+)保险、养老金计划和溢价债券业务收入(-)索赔费用(-)保险、养老金计划和溢价债券销售费用。 | ||
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，公司在其业务管理中考虑约15.0%的年资本成本。
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.
关于业务前景、预测以及运营和财务目标的信息仅为预测，基于管理层当前对Itaú Unibanco未来发展的展望。这些预期高度依赖于市场条件、国家整体经济表现、行业及国际市场的状况。因此，我们的实际结果和表现可能与此前瞻性信息中的预测有所不同。
Gustavo Lopes Rodrigues
Gustavo Lopes Rodrigues
Investor Relations Officer
投资者关系专员
Contact: Itaú Unibanco – Comunicação Corporativa
Phone: (11) 5019-8880 / 8881
E-mail: [email protected]
联系人：Itaú Unibanco – 企业传播部
电话：（11）5019-8880 / 8881
E-mail: [email protected]
SOURCE Itaú Unibanco Holding S.A.
来源：伊塔乌联合银行控股公司
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译文内容由第三方软件翻译。