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Segment Information (Tables)
 12 Months Ended
Dec. 31, 2019
Text Block [Abstract]  
Summary of Operating Segments
ITAÚ UNIBANCO HOLDING S.A.
From January 1 to December 31, 2019
 
   
Retail
Banking
  
Wholesale
Banking
  
Activities with the
Market +

Corporation
  
ITAÚ
UNIBANCO
  
Adjustments
  
IFRS consolidated 
(
3)
 
Operating revenues
  
 
79,227
 
 
 
30,650
 
 
 
9,913
 
 
 
119,790
 
 
 
(2,711
) 
 
 
117,079
 
Interest margin
(1)
   46,764   18,778   9,088   74,630   (5,280)   69,350 
Revenues from banking services
   25,411   11,306   590   37,307   1,725   39,032 
Income from insurance and private pension operations before claim and selling expenses
   7,052   566   235   7,853   (3,300)   4,553 
Other revenues
   0   0   0   0   4,144   4,144 
Cost of Credit
  
 
(16,072
) 
 
 
(2,082
) 
 
 
0
 
 
 
(18,154
) 
 
 
882
 
 
 
(17,272
) 
Claims
  
 
(1,206
) 
 
 
(59
) 
 
 
0
 
 
 
(1,265
) 
 
 
(30
) 
 
 
(1,295
) 
Operating margin
  
 
61,949
 
 
 
28,509
 
 
 
9,913
 
 
 
100,371
 
 
 
(1,859
) 
 
 
98,512
 
Other operating income / (expenses)
  
 
(41,430
) 
 
 
(15,403
) 
 
 
(986
) 
 
 
(57,819
) 
 
 
(9,450
) 
 
 
(67,269
) 
Non-interest
expenses
(2)
   (36,346)   (13,940)   (365)   (50,651)   (10,361)   (61,012) 
Tax expenses for ISS, PIS and COFINS and Other
   (5,084)   (1,463)   (621)   (7,168)   (404)   (7,572) 
Share of profit or (loss) in associates and joint ventures
   0   0   0   0   1,315   1,315 
Net income before income tax and social contribution
  
 
20,519
 
 
 
13,106
 
 
 
8,927
 
 
 
42,552
 
 
 
(11,309
) 
 
 
31,243
 
Income tax and social contribution
   (7,095)   (3,856)   (2,545)   (13,496)   10,066   (3,430) 
Non-controlling
interest in subsidiaries
   (198)   (444)   (51)   (693)   (7)   (700) 
Net income
  
 
13,226
 
 
 
8,806
 
 
 
6,331
 
 
 
28,363
 
 
 
(1,250
) 
 
 
27,113
 
  
 
 
  
 
 
  
 
 
  
 
 
  
 
 
  
 
 
 
Total assets (*) – 12/31/2019
  
 
1,056,275
 
 
 
682,271
 
 
 
147,901
 
 
 
1,738,713
 
 
 
(101,232
) 
 
 
1,637,481
 
  
 
 
  
 
 
  
 
 
  
 
 
  
 
 
  
 
 
 
Total liabilities – 12/31/2019
  
 
1,013,186
 
 
 
625,614
 
 
 
104,799
 
 
 
1,595,865
 
 
 
(107,849
) 
 
 
1,488,016
 
  
 
 
  
 
 
  
 
 
  
 
 
  
 
 
  
 
 
 
(*)
Includes:
       
Investments in associates and joint ventures
   1,911   0   13,666   15,577   (480)   15,097 
Fixed assets, net
   5,252   1,160   0   6,412   754   7,166 
Goodwill and Intangible assets, net
   6,681   7,645   0   14,326   5,393   19,719 
  
 
 
  
 
 
  
 
 
  
 
 
  
 
 
  
 
 
 
 
(1)
Includes interest and similar income, expenses and dividend of R$ 64,325, net gains (loss) on investment securities and derivatives of R$ 4,098 and results from foreign exchange operations and exchange variation of transactions abroad of R$ 927.
(2)
Refers to general and administrative expenses including depreciation and amortization expenses of R$ (4,630).
(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, 2018
 
   
Retail
Banking
  
Wholesale
Banking
  
Activities with the
Market +

Corporation
  
ITAÚ
UNIBANCO
  
Adjustments
  
IFRS
consolidated 
(
3)
 
Operating revenues
  
 
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 
Revenues from banking services
   25,131   9,810   138   35,079   1,730   36,809 
Income from insurance and private pension operations before claim and selling expenses
   6,808   649   196   7,653   (3,692)   3,961 
Other revenues
   —     —     —     —     2,725   2,725 
Cost of Credit
  
 
(12,526
) 
 
 
(1,540
) 
 
 
—  
 
 
 
(14,066
) 
 
 
5,112
 
 
 
(8,954
) 
Claims
  
 
(1,160
) 
 
 
(68
) 
 
 
—  
 
 
 
(1,228
) 
 
 
—  
 
 
 
(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
   —     —     —     —     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   —     11,438   12,658   (639)   12,019 
Fixed assets, net
   5,526   879   —     6,405   897   7,302 
Goodwill and Intangible assets, net
   6,845   8,178   —     15,023   4,306   19,329 
  
 
 
  
 
 
  
 
 
  
 
 
  
 
 
  
 
 
 
 
(1)
Includes interest and similar income,expenses and dividend 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
  
Activities with

the Market +

Corporation
  
ITAÚ
UNIBANCO
  
Adjustments
  
IFRS
consolidated 
(
3)
 
Operating revenues
  
 
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 
Revenues from banking services
   24,096   8,876   42   33,014   1,434   34,448 
Income from insurance and private pension operations before claim and selling expenses
   7,255   446   66   7,767   (3,068)   4,699 
Other revenues
   —     —     —     —     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 net interest and similar income and expenses of R$ 67,311, net gain (loss) on investment securities and derivatives of R$ 4,181 and foreign exchange results and exchange variation on transactions of abroad 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.
Summary of Result of Non-Current Assets and Main Services and Products by Geographic Region
c) Result of
Non-Current
Assets and Main Services and Products by Geographic
Region
 
   
12/31/2019
   
12/31/2018
 
  
Brazil
   
Abroad
   
Total
   
Brazil
   
Abroad
   
Total
 
Non-current
assets
   16,123    10,762    26,885    15,435    11,196    26,631 
 
   
01/01 to 12/31/2019
   
01/01 to 12/31/2018
   
01/01 to 12/31/2017
 
  
Brazil
   
Abroad
   
Total
   
Brazil
   
Abroad
   
Total
   
Brazil
   
Abroad
   
Total
 
Income related to financial operations 
(1)
 
(2)
   117,541    27,767    145,308    108,362    22,955    131,317    131,689    17,883    149,572 
Income from insurance and private pension operations before claim and selling expenses
   4,423    130    4,553    3,812    149    3,961    4,551    148    4,699 
Revenues from banking services
   35,283    3,749    39,032    33,211    3,598    36,809    31,296    3,152    34,448 
 
(1)
Includes interest and similar income, dividend income, net gain (loss) on investment securities and derivatives, foreign exchange results, and exchange variation on transactions abroad.
(2)
ITAÚ UNIBANCO HOLDING does not have customers representing 10% or higher of its revenues.