ITAÚ UNIBANCO HOLDING S.A.

From January 1, December 31, 2018


	Retail Banking			Wholesale Banking			Activities with the Market + Corporation			ITAÚ UNIBANCO			Adjustments			IFRS consolidated ⁽³⁾
Banking product		72,182			29,389			10,246			111,817			(7,617	)		104,200
Interest margin ⁽¹⁾		40,243			18,930			9,912			69,085			(8,380	)		60,705
Banking service fees		25,131			9,810			138			35,079			1,730			36,809
Income related to insurance and private pension operations before claim and selling expenses		6,808			649			196			7,653			(3,692	)		3,961
Other income		0			0			0			0			2,725			2,725
Cost of Credit		(12,526	)		(1,540	)		0			(14,066	)		5,112			(8,954	)
Claims		(1,160	)		(68	)		0			(1,228	)		0			(1,228	)
Operating margin		58,496			27,781			10,246			96,523			(2,505	)		94,018
Other operating income (expenses)		(40,002	)		(15,217	)		(1,070	)		(56,289	)		(7,121	)		(63,410	)
Non-interest expenses ⁽²⁾		(35,296	)		(13,817	)		(331	)		(49,444	)		(8,094	)		(57,538	)
Tax expenses for ISS, PIS and COFINS and Other		(4,706	)		(1,400	)		(739	)		(6,845	)		226			(6,619	)
Share of profit or (loss) in associates and joint ventures		0			0			0			0			747			747
Net income before income tax and social contribution		18,494			12,564			9,176			40,234			(9,626	)		30,608
Income tax and social contribution		(6,939	)		(3,829	)		(2,964	)		(13,732	)		8,763			(4,969	)
Non-controlling interest in subsidiaries		(184	)		(550	)		(35	)		(769	)		37			(732	)
Net income		11,371			8,185			6,177			25,733			(826	)		24,907

*Total assets () - 12/31/2018**		1,042,145			655,393			142,853			1,649,613			(96,816	)		1,552,797

Total liabilities - 12/31/2018		1,005,194			597,528			93,546			1,505,490			(103,159	)		1,402,331

^(*) Includes:
Investments in associates and joint ventures		1,220			0			11,438			12,658			(639	)		12,019
Fixed assets, net		5,526			879			0			6,405			897			7,302
Goodwill and Intangible assets, net		6,845			8,178			0			15,023			4,306			19,329

(1)

Includes interest and similar income and expenses of R$ 62,565, net gains (loss) on investment securities and derivatives of R$ (4,834) and results from foreign exchange operations and exchange variation of transactions abroad of R$ 2,974.

(2)

Refers to general and administrative expenses including depreciation and amortization expenses of R$ (3,332).

(3)

The IFRS consolidated figures do not represent the sum of the segments because there are intercompany transactions that were eliminated only in the consolidated financial statements. Segments are assessed by top management, net of income and expenses between related parties.

ITAÚ UNIBANCO HOLDING S.A.

From January 1 to December 31, 2017


	Retail Banking			Wholesale Banking			Actitivities with the Market + Corporation			ITAÚ UNIBANCO			Adjustments			IFRS consolidated ⁽³⁾
Banking product		69,921			28,748			10,623			109,292			2,231			111,523
Interest margin ⁽¹⁾		38,570			19,426			10,515			68,511			2,731			71,242
Banking service fees		24,096			8,876			42			33,014			1,434			34,448
Income related to insurance and private pension operations before claim and selling expenses		7,255			446			66			7,767			(3,068	)		4,699
Other income		—			—			—			—			1,134			1,134
Cost of Credit		(12,166	)		(5,829	)		(6	)		(18,001	)		(1,773	)		(19,774	)
Claims		(1,222	)		(53	)		—			(1,275	)		83			(1,192	)
Operating margin		56,533			22,866			10,617			90,016			541			90,557
Other operating income (expenses)		(37,601	)		(14,523	)		(1,647	)		(53,771	)		(6,204	)		(59,975	)
Non-interest expenses ⁽²⁾		(33,186	)		(13,265	)		(831	)		(47,282	)		(6,212	)		(53,494	)
Tax expenses for ISS, PIS and COFINS and Other		(4,415	)		(1,258	)		(816	)		(6,489	)		(542	)		(7,031	)
Share of profit or (loss) in associates and joint ventures		—			—			—			—			550			550
Net income before income tax and social contribution		18,932			8,343			8,970			36,245			(5,663	)		30,582
Income tax and social contribution		(7,107	)		(2,412	)		(1,775	)		(11,294	)		3,937			(7,357	)
Non-controlling interest in subsidiaries		(166	)		117			(23	)		(72	)		40			(32	)
Net income		11,659			6,048			7,172			24,879			(1,686	)		23,193

*Total assets () - 12/31/2017**		970,137			604,384			119,309			1,503,503			(67,264	)		1,436,239

Total liabilities - 12/31/2017		934,835			548,185			71,873			1,364,566			(72,683	)		1,291,883


^(*) Includes:
Investments in associates and joint ventures		1,168			—			3,986			5,154			(99	)		5,055
Fixed assets, net		5,105			1,290			—			6,395			964			7,359
Goodwill and Intangible assets, net		8,739			7,694			—			16,433			2,950			19,383

(1)

Includes interest and similar income and expenses of R$ 67,311, net gains (loss) on investment securities and derivatives of R$ 4,181 and results from foreign exchange operations and exchange variation of transactions abroad of R$ (250).

(2)

Refers to general and administrative expenses including depreciation and amortization expenses of R$ (3,034).

(3)

The IFRS Consolidated figures do not represent the sum of the segments because there are intercompany transactions that were eliminated only in the consolidated financial statements. Segments are assessed by top management, net of income and expenses between related parties.

ITAÚ UNIBANCO HOLDING S.A.

From January 1 to December 31, 2016


	Retail Banking			Wholesale Banking			Actitivities with the Market + Corporation			ITAÚ UNIBANCO			Adjustments			IFRS consolidated ⁽³⁾
Banking product		70,496			30,498			9,412			110,406			8,016			118,422
Interest margin ⁽¹⁾		40,073			21,929			9,264			71,266			8,589			79,855
Banking service fees		22,659			8,072			59			30,790			1,128			31,918
Income related to insurance and private pension operations before claim and selling expenses		7,764			497			89			8,350			(3,085	)		5,265
Other income		—			—			—			—			1,384			1,384
Cost of Credit		(14,394	)		(10,586	)		71			(24,909	)		2,039			(22,870	)
Claims		(1,426	)		(59	)		—			(1,485	)		—			(1,485	)
Operating margin		54,676			19,853			9,483			84,012			10,055			94,067
Other operating income (expenses)		(37,202	)		(13,410	)		(2,387	)		(52,999	)		(5,389	)		(58,388	)
Non-interest expenses ⁽²⁾		(32,883	)		(12,034	)		(1,616	)		(46,533	)		(4,372	)		(50,905	)
Tax expenses for ISS, PIS and COFINS and Other		(4,319	)		(1,376	)		(771	)		(6,466	)		(1,545	)		(8,011	)
Share of profit or (loss) in associates and joint ventures		—			—			—			—			528			528
Net income before income tax and social contribution		17,474			6,443			7,096			31,013			4,666			35,679
Income tax and social contribution		(6,328	)		(1,081	)		(1,237	)		(8,646	)		(5,017	)		(13,663	)
Non-controlling interest in subsidiaries		(223	)		79			(1	)		(145	)		(244	)		(389	)
Net income		10,923			5,441			5,858			22,222			(595	)		21,627

*Total assets () - 01/01/2017**		909,779			585,088			116,401			1,427,084			(75,770	)		1,351,314

Total liabilities - 01/01/2017		877,792			525,390			80,810			1,299,869			(80,939	)		1,218,930


^(*) Includes:
Investments in associates and joint ventures		1,325			—			3,106			4,431			642			5,073
Fixed assets, net		5,635			1,177			—			6,812			1,230			8,042
Goodwill and Intangible assets, net		7,957			7,276			—			15,233			1,823			17,056

(1)

Includes net interest and similar income and expenses of R$ 67,276, net gain (loss) on investment securities and derivatives of R$ 7,066 and foreign exchange results and exchange variation on transactions of abroad R$ 5,513.

(2)

Refers to general and administrative expenses including depreciation and amortization expenses of R$ (2,995).

(3)