{"id":905701,"date":"2025-11-04T22:19:19","date_gmt":"2025-11-05T03:19:19","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/itau-unibanco-material-fact-projections-2025-3\/"},"modified":"2025-11-04T22:19:19","modified_gmt":"2025-11-05T03:19:19","slug":"itau-unibanco-material-fact-projections-2025-3","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/itau-unibanco-material-fact-projections-2025-3\/","title":{"rendered":"ITA\u00da UNIBANCO &#8211; MATERIAL FACT &#8211; Projections 2025"},"content":{"rendered":"<div class=\"xn-newslines\">\n<p class=\"xn-distributor\">PR Newswire<\/p>\n<\/p><\/div>\n<div class=\"xn-content\">\n<p>\n        <span class=\"legendSpanClass\">S\u00c3O PAULO<\/span>, <span class=\"legendSpanClass\"><span class=\"xn-chron\">Nov. 4, 2025<\/span><\/span> \/PRNewswire\/ &#8212; Ita\u00fa Unibanco Holding S.A. (&#8220;Ita\u00fa Unibanco&#8221; or &#8220;Company&#8221;), 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 (&#8220;Projections&#8221;) of the Reference Form.<\/p>\n<div class=\"PRN_ImbeddedAssetReference\" id=\"DivAssetPlaceHolder1\">\n<p>\n          <a href=\"https:\/\/mma.prnewswire.com\/media\/2600067\/ITAU_LOGO_POS_HEX_680X680_Logo.html\" target=\"_blank\" rel=\"nofollow\"><br \/>\n            <img decoding=\"async\" src=\"https:\/\/mma.prnewswire.com\/media\/2600067\/ITAU_LOGO_POS_HEX_680X680_Logo.jpg\" title=\"(PRNewsfoto\/Ita\u00fa Unibanco Holding S.A.)\" alt=\"(PRNewsfoto\/Ita\u00fa Unibanco Holding S.A.)\" \/><br \/>\n          <\/a>\n        <\/p>\n<\/p><\/div>\n<div>\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"1\" class=\"prnbcc\">\n<tr>\n<td class=\"prnpr2 prnpl2 prnvam prntac prncbts prnbrbrs prnbbbs prnbsbls\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n              \n            <\/td>\n<td class=\"prngen3\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\"><br \/>\n                  <b>Consolidated<\/b><br \/>\n                <\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen3\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\"><br \/>\n                  <b>Reviewed<\/b><br \/>\n                <\/span>\n              <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\"><br \/>\n                  <b>Total credit portfolio\u00b9<\/b><br \/>\n                <\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Growth between<br \/><b>4.5%<\/b> and<b> 8.5%<\/b><\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\"><br \/>\n                  <b>Maintained<\/b><br \/>\n                <\/span>\n              <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Financial margin with clients<\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Growth between <br \/><b>11.0%<\/b> and <b>14.0%<\/b><\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\"><br \/>\n                  <b>Maintained<\/b><br \/>\n                <\/span>\n              <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Financial margin with the market<\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Between <br \/><b>R$1.0 bn<\/b> and <b>R$3.0 bn<\/b><\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Between <br \/><b>R$3.0 bn<\/b> and <b>R$3.5 bn<\/b><\/span>\n              <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Cost of credit\u00b2<\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Between <br \/><b>R$34.5 bn <\/b>and <b>R$38.5 bn<\/b><\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\"><br \/>\n                  <b>Maintained<\/b><br \/>\n                <\/span>\n              <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Commissions and fees and results<br \/>from insurance operations\u00b3<\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Growth between <br \/><b>4.0% <\/b>and <b>7.0%<\/b><\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\"><br \/>\n                  <b>Maintained<\/b><br \/>\n                <\/span>\n              <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Non-interest expenses<\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Growth between <br \/><b>5.5%<\/b> and<b> 8.5%<\/b><\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\"><br \/>\n                  <b>Maintained<\/b><br \/>\n                <\/span>\n              <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Effective tax rate<\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">Between <br \/><b>28.5%<\/b> and <b>30.5%<\/b><\/span>\n              <\/p>\n<\/td>\n<td class=\"prngen5\" dir=\"LTR\" colspan=\"1\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\"><br \/>\n                  <b>Maintained<\/b><br \/>\n                <\/span>\n              <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prnpr2 prnpl2 prnvam prntal prncbts prnrbrb1 prnsbbb1 prnsblb1\" colspan=\"3\" rowspan=\"1\">\n<p class=\"prnml4\">\n                <span class=\"prnews_span\">(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.<\/span>\n              <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n<p>It is important to mention that, as of <span class=\"xn-chron\">February 2025<\/span>, the company considers a cost of capital of around 15.0% p.y. in the management of its businesses.<\/p>\n<p>Information on outlooks for the business, projections, and operational and financial goals are solely forecasts, based on management&#8217;s current outlook in relation to the future of Ita\u00fa 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.<\/p>\n<p>\n        <b><br \/>\n          <span class=\"xn-person\">Gustavo Lopes Rodrigues<\/span><br \/>\n        <\/b>\n      <\/p>\n<p>Investor Relations Officer<\/p>\n<p>\n        <b>Contact<\/b>: Ita\u00fa Unibanco \u2013 Comunica\u00e7\u00e3o Corporativa<br \/><b>Phone<\/b>: (11) 5019-8880 \/ 8881<br \/><b>E-mail<\/b>: <a href=\"mailto:imprensa@itau-unibanco.com.br\" target=\"_blank\" rel=\"nofollow\">imprensa@itau-unibanco.com.br<\/a><\/p>\n<p id=\"PURL\">\n        <img loading=\"lazy\" decoding=\"async\" title=\"Cision\" width=\"12\" height=\"12\" alt=\"Cision\" src=\"https:\/\/edge.prnewswire.com\/c\/img\/favicon.png?sn=SP15868&amp;sd=2025-11-04\" \/> View original content to download multimedia:<a id=\"PRNURL\" rel=\"nofollow\" href=\"https:\/\/www.prnewswire.com\/news-releases\/itau-unibanco---material-fact---projections-2025-302604772.html\" target=\"_blank\">https:\/\/www.prnewswire.com\/news-releases\/itau-unibanco&#8212;material-fact&#8212;projections-2025-302604772.html<\/a><\/p>\n<p>SOURCE  Ita\u00fa Unibanco Holding S.A.<\/p>\n<\/p><\/div>\n<p>    <img decoding=\"async\" alt=\"\" src=\"https:\/\/rt.prnewswire.com\/rt.gif?NewsItemId=SP15868&amp;Transmission_Id=202511041744PR_NEWS_USPR_____SP15868&amp;DateId=20251104\" style=\"border:0px;width:1px;height:1px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>PR Newswire S\u00c3O PAULO, Nov. 4, 2025 \/PRNewswire\/ &#8212; Ita\u00fa Unibanco Holding S.A. (&#8220;Ita\u00fa Unibanco&#8221; or &#8220;Company&#8221;), 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 (&#8220;Projections&#8221;) of the Reference Form. Consolidated Reviewed Total credit portfolio\u00b9 Growth between4.5% 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 credit\u00b2 Between R$34.5 bn and R$38.5 &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/itau-unibanco-material-fact-projections-2025-3\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;ITA\u00da UNIBANCO &#8211; MATERIAL FACT &#8211; Projections 2025&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-905701","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ITA\u00da UNIBANCO - MATERIAL FACT - Projections 2025 - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/itau-unibanco-material-fact-projections-2025-3\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ITA\u00da UNIBANCO - MATERIAL FACT - Projections 2025 - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"PR Newswire S\u00c3O PAULO, Nov. 4, 2025 \/PRNewswire\/ &#8212; Ita\u00fa Unibanco Holding S.A. (&#8220;Ita\u00fa Unibanco&#8221; or &#8220;Company&#8221;), 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 (&#8220;Projections&#8221;) of the Reference Form. Consolidated Reviewed Total credit portfolio\u00b9 Growth between4.5% 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 credit\u00b2 Between R$34.5 bn and R$38.5 &hellip; Continue reading &quot;ITA\u00da UNIBANCO &#8211; MATERIAL FACT &#8211; Projections 2025&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/itau-unibanco-material-fact-projections-2025-3\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-05T03:19:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mma.prnewswire.com\/media\/2600067\/ITAU_LOGO_POS_HEX_680X680_Logo.jpg\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/itau-unibanco-material-fact-projections-2025-3\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/itau-unibanco-material-fact-projections-2025-3\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"ITA\u00da UNIBANCO &#8211; 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Ita\u00fa Unibanco Holding S.A. (&#8220;Ita\u00fa Unibanco&#8221; or &#8220;Company&#8221;), 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 (&#8220;Projections&#8221;) of the Reference Form. Consolidated Reviewed Total credit portfolio\u00b9 Growth between4.5% 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 credit\u00b2 Between R$34.5 bn and R$38.5 &hellip; Continue reading \"ITA\u00da UNIBANCO &#8211; MATERIAL FACT &#8211; Projections 2025\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/itau-unibanco-material-fact-projections-2025-3\/","og_site_name":"Market Newsdesk","article_published_time":"2025-11-05T03:19:19+00:00","og_image":[{"url":"https:\/\/mma.prnewswire.com\/media\/2600067\/ITAU_LOGO_POS_HEX_680X680_Logo.jpg","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/itau-unibanco-material-fact-projections-2025-3\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/itau-unibanco-material-fact-projections-2025-3\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"ITA\u00da UNIBANCO &#8211; 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