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Segment Information (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2021
Text Block [Abstract] |
Summary of Operating Segments |
|  | 01/01 to 12/31/2021 |
|  | Retail Banking |  |  | Wholesale Banking |  |  | Activities with the Market + Corporation |  |  | ITAÚ UNIBANCO |  |  | Adjustments |  |  | IFRS consolidated (3) |
Operating revenues |  |  | 75,443 |  |  |  | 38,228 |  |  |  | 11,930 |  |  |  | 125,601 |  |  |  | 773 |  |  |  | 126,374 |
Interest margin (1) |  |  | 43,042 |  |  |  | 24,005 |  |  |  | 11,099 |  |  |  | 78,146 |  |  |  | (2,937 | ) |  |  | 75,209 |
Revenues from banking services and bank charges |  |  | 25,169 |  |  |  | 13,817 |  |  |  | 884 |  |  |  | 39,870 |  |  |  | 2,454 |  |  |  | 42,324 |
Income from insurance and private pension operations before claim and selling expenses |  |  | 7,232 |  |  |  | 406 |  |  |  | (53 | ) |  |  | 7,585 |  |  |  | (2,231 | ) |  |  | 5,354 |
Other revenues |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,487 |  |  |  | 3,487 |
Cost of Credit |  |  | (18,278 | ) |  |  | (1,956 | ) |  |  | — |  |  |  | (20,234 | ) |  |  | 7,455 |  |  |  | (12,779 | )
Claims |  |  | (1,591 | ) |  |  | (9 | ) |  |  | — |  |  |  | (1,600 | ) |  |  | — |  |  |  | (1,600 | )
Operating margin |  |  | 55,574 |  |  |  | 36,263 |  |  |  | 11,930 |  |  |  | 103,767 |  |  |  | 8,228 |  |  |  | 111,995 |
Other operating income / (expenses) |  |  | (40,116 | ) |  |  | (17,743 | ) |  |  | (1,055 | ) |  |  | (58,914 | ) |  |  | (10,850 | ) |  |  | (69,764 | )
Non-interest expenses (2) |  |  | (35,031 | ) |  |  | (15,699 | ) |  |  | (478 | ) |  |  | (51,208 | ) |  |  | (11,341 | ) |  |  | (62,549 | )
Tax expenses for ISS, PIS and COFINS and Other |  |  | (5,085 | ) |  |  | (2,044 | ) |  |  | (577 | ) |  |  | (7,706 | ) |  |  | (673 | ) |  |  | (8,379 | )
Share of profit or (loss) in associates and joint ventures |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,164 |  |  |  | 1,164 |
Income before income tax and social contribution |  |  | 15,458 |  |  |  | 18,520 |  |  |  | 10,875 |  |  |  | 44,853 |  |  |  | (2,622 | ) |  |  | 42,231 |
Income tax and social contribution |  |  | (5,593 | ) |  |  | (6,799 | ) |  |  | (3,997 | ) |  |  | (16,389 | ) |  |  | 2,542 |  |  |  | (13,847 | )
Non-controlling interest in subsidiaries |  |  | (330 | ) |  |  | (591 | ) |  |  | (664 | ) |  |  | (1,585 | ) |  |  | (39 | ) |  |  | (1,624 | )
Net income |  |  | 9,535 |  |  |  | 11,130 |  |  |  | 6,214 |  |  |  | 26,879 |  |  |  | (119 | ) |  |  | 26,760 |
Total assets (*) – 12/31/2021 |  |  | 1,311,330 |  |  |  | 1,013,836 |  |  |  | 133,123 |  |  |  | 2,166,019 |  |  |  | (96,813 | ) |  |  | 2,069,206 |
Total liabilities – 12/31/2021 |  |  | 1,252,211 |  |  |  | 945,311 |  |  |  | 105,190 |  |  |  | 2,010,442 |  |  |  | (105,712 | ) |  |  | 1,904,730 |
(*) Includes: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investments in associates and joint ventures |  |  | 2,008 |  |  |  | — |  |  |  | 4,338 |  |  |  | 6,346 |  |  |  | (225 | ) |  |  | 6,121 |
Fixed assets, net |  |  | 5,420 |  |  |  | 997 |  |  |  | — |  |  |  | 6,417 |  |  |  | 546 |  |  |  | 6,963 |
Goodwill and Intangible assets, net |  |  | 8,371 |  |  |  | 9,557 |  |  |  | — |  |  |  | 17,928 |  |  |  | 3,182 |  |  |  | 21,110 |
(1) | Includes interest and similar income and expenses of R$ 59,948, result of financial assets and liabilities at fair value through profit or loss of R$ 16,678 and foreign exchange results and exchange variations in foreign transactions of R$ (1,417).
(2) | Refers to general and administrative expenses including depreciation and amortization expenses of R$ (5,548).
(3) | The IFRS Consolidated figures do not represent the sum of the parties because there are intercompany transactions that were eliminated only in the consolidated statements. Segments are assessed by top management, net of income and expenses between related parties.
|  | 01/01 to 12/31/2020 |
|  | Retail Banking |  |  | Wholesale Banking |  |  | Activities with the Market + Corporation |  |  | ITAÚ UNIBANCO |  |  | Adjustments |  |  | IFRS consolidated (3) |
Operating revenues |  |  | 72,680 |  |  |  | 32,187 |  |  |  | 9,918 |  |  |  | 114,785 |  |  |  | (14,586 | ) |  |  | 100,199 |
Interest margin (1) |  |  | 41,818 |  |  |  | 19,883 |  |  |  | 8,394 |  |  |  | 70,095 |  |  |  | (20,042 | ) |  |  | 50,053 |
Commissions and Banking Fees |  |  | 23,918 |  |  |  | 11,911 |  |  |  | 1,401 |  |  |  | 37,230 |  |  |  | 1,327 |  |  |  | 38,557 |
Income from insurance and private pension operations before claim and selling expenses |  |  | 6,944 |  |  |  | 393 |  |  |  | 123 |  |  |  | 7,460 |  |  |  | (2,972 | ) |  |  | 4,488 |
Other revenues |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,101 |  |  |  | 7,101 |
Cost of Credit |  |  | (21,247 | ) |  |  | (8,968 | ) |  |  | 6 |  |  |  | (30,209 | ) |  |  | 5,583 |  |  |  | (24,626 | )
Claims |  |  | (1,345 | ) |  |  | (8 | ) |  |  | — |  |  |  | (1,353 | ) |  |  | (1 | ) |  |  | (1,354 | )
Operating margin |  |  | 50,088 |  |  |  | 23,211 |  |  |  | 9,924 |  |  |  | 83,223 |  |  |  | (9,004 | ) |  |  | 74,219 |
Other operating income / (expenses) |  |  | (40,221 | ) |  |  | (16,133 | ) |  |  | (650 | ) |  |  | (57,004 | ) |  |  | (11,985 | ) |  |  | (68,989 | )
Non-interest expenses (2) |  |  | (35,310 | ) |  |  | (14,592 | ) |  |  | (287 | ) |  |  | (50,189 | ) |  |  | (14,018 | ) |  |  | (64,207 | )
Tax expenses for ISS, PIS and COFINS and Other |  |  | (4,911 | ) |  |  | (1,541 | ) |  |  | (363 | ) |  |  | (6,815 | ) |  |  | 634 |  |  |  | (6,181 | )
Share of profit or (loss) in associates and joint ventures |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,399 |  |  |  | 1,399 |
Income before income tax and social contribution |  |  | 9,867 |  |  |  | 7,078 |  |  |  | 9,274 |  |  |  | 26,219 |  |  |  | (20,989 | ) |  |  | 5,230 |
Income tax and social contribution |  |  | (3,071 | ) |  |  | (1,893 | ) |  |  | (3,099 | ) |  |  | (8,063 | ) |  |  | 17,897 |  |  |  | 9,834 |
Non-controlling interest in subsidiaries |  |  | (175 | ) |  |  | 601 |  |  |  | (46 | ) |  |  | 380 |  |  |  | 3,452 |  |  |  | 3,832 |
Net income |  |  | 6,621 |  |  |  | 5,786 |  |  |  | 6,129 |  |  |  | 18,536 |  |  |  | 360 |  |  |  | 18,896 |
Total assets (*) - 12/31/2020 |  |  | 1,265,620 |  |  |  | 981,034 |  |  |  | 143,715 |  |  |  | 2,112,586 |  |  |  | (93,335 | ) |  |  | 2,019,251 |
Total liabilities - 12/31/2020 |  |  | 1,218,977 |  |  |  | 915,253 |  |  |  | 108,432 |  |  |  | 1,964,880 |  |  |  | (100,154 | ) |  |  | 1,864,726 |
(*) Includes: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investments in associates and joint ventures |  |  | 2,012 |  |  |  | — |  |  |  | 13,879 |  |  |  | 15,891 |  |  |  | (321 | ) |  |  | 15,570 |
Fixed assets, net |  |  | 4,587 |  |  |  | 806 |  |  |  | — |  |  |  | 5,393 |  |  |  | 1,544 |  |  |  | 6,937 |
Goodwill and Intangible assets, net |  |  | 4,978 |  |  |  | 9,901 |  |  |  | — |  |  |  | 14,879 |  |  |  | 2,451 |  |  |  | 17,330 |
(1) | Includes interest and similar income and expenses of R$ 40,811, result of financial assets and liabilities at fair value through profit or loss of R$ 6,553 and foreign exchange results and exchange variations in foreign transactions of R$ 2,689.
(2) | Refers to general and administrative expenses including depreciation and amortization expenses of R$ (5,064).
(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.
|  | 01/01 to 12/31/2019 |
|  | 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 |
Commissions and Banking Fees |  |  | 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 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,144 |  |  |  | 4,144 |
Cost of Credit |  |  | (16,072 | ) |  |  | (2,082 | ) |  |  | — |  |  |  | (18,154 | ) |  |  | 882 |  |  |  | (17,272 | )
Claims |  |  | (1,206 | ) |  |  | (59 | ) |  |  | — |  |  |  | (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 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 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 |  |  |  | — |  |  |  | 13,666 |  |  |  | 15,577 |  |  |  | (480 | ) |  |  | 15,097 |
Fixed assets, net |  |  | 5,252 |  |  |  | 1,160 |  |  |  | — |  |  |  | 6,412 |  |  |  | 754 |  |  |  | 7,166 |
Goodwill and Intangible assets, net |  |  | 6,681 |  |  |  | 7,645 |  |  |  | — |  |  |  | 14,326 |  |  |  | 5,393 |  |  |  | 19,719 |
(1) | Includes interest and similar income and expenses of R$ 42,193, result of financial assets and liabilities at fair value through profit or loss of R$ 26,230 and foreign exchange results and exchange variations in foreign transactions 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.
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
|  | 12/31/2021 |  |  | 12/31/2020 |
|  | Brazil |  |  | Abroad |  |  | Total |  |  | Brazil |  |  | Abroad |  |  | Total |
Non-current assets |  |  | 21,390 |  |  |  | 6,683 |  |  |  | 28,073 |  |  |  | 17,095 |  |  |  | 7,172 |  |  |  | 24,267 |
|  | 01/01 to 12/31/2021 |  |  | 01/01 to 12/31/2020 |  |  | 01/01 to 12/31/2019 |
|  | Brazil |  |  | Abroad |  |  | Total |  |  | Brazil |  |  | Abroad |  |  | Total |  |  | Brazil |  |  | Abroad |  |  | Total |
Income related to financial operations (1) (2) |  |  | 107,741 |  |  |  | 36,773 |  |  |  | 144,514 |  |  |  | 102,016 |  |  |  | 21,595 |  |  |  | 123,611 |  |  |  | 117,541 |  |  |  | 27,767 |  |  |  | 145,308 |
Income from insurance and private pension operations before claim and selling expenses |  |  | 5,332 |  |  |  | 22 |  |  |  | 5,354 |  |  |  | 4,488 |  |  |  | — |  |  |  | 4,488 |  |  |  | 4,423 |  |  |  | 130 |  |  |  | 4,553 |
Commissions and Banking Fees |  |  | 37,635 |  |  |  | 4,689 |  |  |  | 42,324 |  |  |  | 34,533 |  |  |  | 4,024 |  |  |  | 38,557 |  |  |  | 35,283 |  |  |  | 3,749 |  |  |  | 39,032 |
(1) | Includes interest and similar income, result of financial assets and liabilities at fair value through profit or loss and foreign exchange results and exchange variations in foreign transactions.
(2) | ITAÚ UNIBANCO HOLDING does not have customers representing 10% or higher of its revenues.

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