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v3.23.1

Risk and Capital Management (Tables) | 12 Months Ended
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Dec. 31, 2022
Risk And Capital Management |
Disclosure Of Financial Assets At Amortised Cost And At Fair Value Through Other Comprehensive Income And The Impact On Expected Credit Loss In Various Scenarios |
Disclosure Of Financial Assets At Amortised Cost And At Fair Value Through Other Comprehensive Income And The Impact On Expected Credit Loss In Various Scenarios |  |
12/31/2022 |  | 12/31/2021
Financial Assets (1) | Expected Loss (2) | Reduction/(Increase) of Expected Loss |  | Financial Assets (1) | Expected Loss (2) | Reduction/(Increase) of Expected Loss
Pessimistic scenario | Base scenario | Optimistic scenario |  | Pessimistic scenario | Base scenario | Optimistic scenario
1,256,751 | (54,476) | (530) | 198 | 530 |  | 1,078,891 | (46,348) | (340) | 163 | 1,788
Financial Asset |  |  |  |  |  | - |  |  |  |
1) Composed of Loan operations, lease operations and securities.
2) Comprises expected credit loss for Financial Guarantees R$ (810) (R$ (767) at 12/31/2021) and Loan Commitments R$ (2,874) (R$ (4,433) at 12/31/2021).
Summary of Credit Risk Exposure |
I.IV - Maximum Exposure of Financial Assets to Credit Risk
Summary of Credit Risk Exposure |  |  |  |  |  |  |
| 12/31/2022 |  | 12/31/2021
| Brazil | Abroad | Total |  | Brazil | Abroad | Total
Financial Assets | 1,545,701 | 511,277 | 2,056,978 |  | 1,319,532 | 485,649 | 1,805,181
At Amortized Cost | 1,120,797 | 350,447 | 1,471,244 |  | 914,776 | 350,614 | 1,265,390
Interbank deposits | 18,955 | 40,637 | 59,592 |  | 17,795 | 52,147 | 69,942
Securities purchased under agreements to resell | 218,339 | 3,440 | 221,779 |  | 159,974 | 9,744 | 169,718
Securities | 191,947 | 27,368 | 219,315 |  | 125,875 | 21,871 | 147,746
Loan and lease operations | 636,836 | 272,586 | 909,422 |  | 562,646 | 259,944 | 822,590
Other financial assets | 97,995 | 13,828 | 111,823 |  | 81,398 | 15,075 | 96,473
(-) Provision for Expected Loss | (43,275) | (7,412) | (50,687) |  | (32,912) | (8,167) | (41,079)
At Fair Value Through Other Comprehensive Income | 48,438 | 72,614 | 121,052 |  | 44,648 | 60,974 | 105,622
Securities | 48,438 | 72,614 | 121,052 |  | 44,648 | 60,974 | 105,622
At Fair Value Through Profit or Loss | 376,466 | 88,216 | 464,682 |  | 360,108 | 74,061 | 434,169
Securities | 364,039 | 21,060 | 385,099 |  | 343,339 | 21,628 | 364,967
Derivatives | 11,052 | 67,156 | 78,208 |  | 16,612 | 52,433 | 69,045
Other financial assets | 1,375 | - | 1,375 |  | 157 | - | 157
Financial liabilities - provision for expected loss | 3,040 | 644 | 3,684 |  | 4,543 | 657 | 5,200
Loan Commitments | 2,622 | 252 | 2,874 |  | 4,115 | 318 | 4,433
Financial Guarantees | 418 | 392 | 810 |  | 428 | 339 | 767
Off balance sheet | 472,372 | 72,005 | 544,377 |  | 446,267 | 73,431 | 519,698
Financial Guarantees | 71,524 | 20,255 | 91,779 |  | 62,548 | 20,362 | 82,910
Letters of credit to be released | 47,354 | - | 47,354 |  | 45,773 | - | 45,773
Loan commitments | 353,494 | 51,750 | 405,244 |  | 337,946 | 53,069 | 391,015
Mortgage loans | 15,423 | - | 15,423 |  | 10,709 | - | 10,709
Overdraft accounts | 157,408 | - | 157,408 |  | 147,878 | - | 147,878
Credit cards | 177,658 | 3,754 | 181,412 |  | 176,384 | 3,840 | 180,224
Other pre-approved limits | 3,005 | 47,996 | 51,001 |  | 2,975 | 49,229 | 52,204
Total | 2,015,033 | 582,638 | 2,597,671 |  | 1,761,256 | 558,423 | 2,319,679
Schedule of other financial assets |
I.IV.I - By business sector |  |  |  |
Loans and Financial Lease Operations |  |  |  |
Summary of Maximum Exposure of Financial Assets Segregated by Business Sector |  |  |  |
| 12/31/2022 | % | 12/31/2021 | %
Industry and commerce | 197,351 | 21.7% | 190,491 | 23.1%
Services | 177,180 | 19.5% | 173,332 | 21.1%
Other sectors | 37,072 | 4.1% | 37,652 | 4.6%
Individuals | 497,819 | 54.7% | 421,115 | 51.2%
Total | 909,422 | 100.0% | 822,590 | 100.0%
Other financial assets (1)
Schedule of other financial assets |  |  |  |
| 12/31/2022 | % | 12/31/2021 | %
Public sector | 691,964 | 63.8% | 580,619 | 62.2%
Services | 167,176 | 15.4% | 150,831 | 16.2%
Other sectors | 119,436 | 11.0% | 83,521 | 9.0%
Financial | 106,469 | 9.8% | 117,869 | 12.6%
Total | 1,085,045 | 100.0% | 932,840 | 100.0%
1) Includes Financial Assets at Fair Value through Profit and Loss, Financial Assets at Fair Value through Other Comprehensive Income and Financial Assets at Amortized Cost, except for Loan and Lease Operations and Other Financial Assets.
The exposure of Off Balance financial instruments (Financial Collaterals and Loan Commitments) is neither categorized nor managed by business sector.
Schedule of other financial assets |
Other financial assets (1)
Schedule of other financial assets |  |  |  |
| 12/31/2022 | % | 12/31/2021 | %
Public sector | 691,964 | 63.8% | 580,619 | 62.2%
Services | 167,176 | 15.4% | 150,831 | 16.2%
Other sectors | 119,436 | 11.0% | 83,521 | 9.0%
Financial | 106,469 | 9.8% | 117,869 | 12.6%
Total | 1,085,045 | 100.0% | 932,840 | 100.0%
1) Includes Financial Assets at Fair Value through Profit and Loss, Financial Assets at Fair Value through Other Comprehensive Income and Financial Assets at Amortized Cost, except for Loan and Lease Operations and Other Financial Assets.
The exposure of Off Balance financial instruments (Financial Collaterals and Loan Commitments) is neither categorized nor managed by business sector.
Summary of Breakdown of Indicators of Credit Quality |
Summary of Breakdown of Indicators of Credit Quality |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
I.IV.II - By type and classification of credit risk
Loan and lease operations
|  | 12/31/2022
|  | Stage 1 |  | Stage 2 |  | Stage 3 |  | Total Consolidated of 3 Stages
|  | Loan Operations | Loan commitments | Financial Guarantees | Total |  | Loan Operations | Loan commitments | Financial Guarantees | Total |  | Loan Operations | Loan commitments | Financial Guarantees | Total |  | Loan Operations | Loan commitments | Financial Guarantees | Total
Individuals | 305,210 | 233,996 | 511 | 539,717 |  | 59,639 | 8,538 | 1 | 68,178 |  | 35,254 | 226 | - | 35,480 |  | 400,103 | 242,760 | 512 | 643,375
Corporate | 133,205 | 29,853 | 60,209 | 223,267 |  | 901 | 32 | 444 | 1,377 |  | 5,162 | 11 | 2,551 | 7,724 |  | 139,268 | 29,896 | 63,204 | 232,368
Micro/Small and medium companies | 142,621 | 84,619 | 9,520 | 236,760 |  | 12,299 | 1,494 | 115 | 13,908 |  | 9,976 | 265 | 123 | 10,364 |  | 164,896 | 86,378 | 9,758 | 261,032
Foreign loans - Latin America | 182,516 | 44,542 | 16,912 | 243,970 |  | 13,863 | 1,544 | 1,279 | 16,686 |  | 8,776 | 124 | 114 | 9,014 |  | 205,155 | 46,210 | 18,305 | 269,670
Total | 763,552 | 393,010 | 87,152 | 1,243,714 |  | 86,702 | 11,608 | 1,839 | 100,149 |  | 59,168 | 626 | 2,788 | 62,582 |  | 909,422 | 405,244 | 91,779 | 1,406,445
% | 61.4% | 31.6% | 7.0% | 100.0% |  | 86.6% | 11.6% | 1.8% | 100.0% |  | 94.5% | 1.0% | 4.5% | 100.0% |  | 64.7% | 28.8% | 6.5% | 100.0%
|  | 12/31/2021
|  | Stage 1 |  | Stage 2 |  | Stage 3 |  | Total Consolidated of 3 Stages
|  | Loan Operations | Loan commitments | Financial Guarantees | Total |  | Loan Operations | Loan commitments | Financial Guarantees | Total |  | Loan Operations | Loan commitments | Financial Guarantees | Total |  | Loan Operations | Loan commitments | Financial Guarantees | Total
Individuals | 270,371 | 220,961 | 944 | 492,276 |  | 38,168 | 20,723 | - | 58,891 |  | 23,997 | 686 | - | 24,683 |  | 332,536 | 242,370 | 944 | 575,850
Corporate | 128,519 | 23,882 | 52,429 | 204,830 |  | 1,600 | 200 | 535 | 2,335 |  | 4,915 | 23 | 2,478 | 7,416 |  | 135,034 | 24,105 | 55,442 | 214,581
Micro/Small and medium companies | 124,555 | 71,158 | 7,605 | 203,318 |  | 16,749 | 4,823 | 130 | 21,702 |  | 8,666 | 222 | 141 | 9,029 |  | 149,970 | 76,203 | 7,876 | 234,049
Foreign loans - Latin America | 178,719 | 46,629 | 17,776 | 243,124 |  | 13,389 | 1,621 | 713 | 15,723 |  | 12,942 | 87 | 159 | 13,188 |  | 205,050 | 48,337 | 18,648 | 272,035
Total | 702,164 | 362,630 | 78,754 | 1,143,548 |  | 69,906 | 27,367 | 1,378 | 98,651 |  | 50,520 | 1,018 | 2,778 | 54,316 |  | 822,590 | 391,015 | 82,910 | 1,296,515
% | 61.4% | 31.7% | 6.9% | 100.0% |  | 70.9% | 27.7% | 1.4% | 100.0% |  | 93.0% | 1.9% | 5.1% | 100.0% |  | 63.4% | 30.2% | 6.4% | 100.0%
Summary of Internal Rating |
Summary of Internal Rating |  |  |  |  |  |  |  |  |
Internal rating | 12/31/2022 |  | 12/31/2021
Stage 1 | Stage 2 | Stage 3 | Total loan operations |  | Stage 1 | Stage 2 | Stage 3 | Total loan operations
Low | 705,625 | 62,501 | - | 768,126 |  | 662,839 | 42,028 | - | 704,867
Medium | 57,508 | 14,095 | - | 71,603 |  | 38,980 | 19,239 | - | 58,219
High | 419 | 10,106 | - | 10,525 |  | 345 | 8,639 | - | 8,984
Credit-Impaired | - | - | 59,168 | 59,168 |  | - | - | 50,520 | 50,520
Total | 763,552 | 86,702 | 59,168 | 909,422 |  | 702,164 | 69,906 | 50,520 | 822,590
% | 84.0% | 9.5% | 6.5% | 100.0% |  | 85.4% | 8.5% | 6.1% | 100.0%
Maximum Exposure of Other Financial Assets by Type and Classification of Credit Risk |
Maximum Exposure of Other Financial Assets by Type and Classification of Credit Risk |  |  |  |  |  |  |  |  |  |
Other financial assets
| 12/31/2022
| Fair value |  | Stage 1 |  | Stage 2 |  | Stage 3
| Cost | Fair value |  | Cost | Fair value |  | Cost | Fair value
Investment funds | 32,491 |  | 27,660 | 27,140 |  | 5,259 | 5,259 |  | 92 | 92
Government securities | 479,834 |  | 483,476 | 479,834 |  | - | - |  | - | -
Brazilian government | 394,675 |  | 397,793 | 394,675 |  | - | - |  | - | -
Other Public | - |  | 36 | - |  | - | - |  | - | -
Abroad | 85,159 |  | 85,647 | 85,159 |  | - | - |  | - | -
Argentina | 3,453 |  | 3,460 | 3,453 |  | - | - |  | - | -
United States | 9,665 |  | 9,716 | 9,665 |  | - | - |  | - | -
Israel | 860 |  | 852 | 860 |  | - | - |  | - | -
Mexico | 14,010 |  | 14,021 | 14,010 |  | - | - |  | - | -
Spain | 9,922 |  | 9,924 | 9,922 |  | - | - |  | - | -
Korea | 10,363 |  | 10,365 | 10,363 |  | - | - |  | - | -
Chile | 24,681 |  | 24,811 | 24,681 |  | - | - |  | - | -
Paraguay | 3,463 |  | 3,461 | 3,463 |  | - | - |  | - | -
Uruguay | 1,182 |  | 1,185 | 1,182 |  | - | - |  | - | -
Colombia | 3,151 |  | 3,430 | 3,151 |  | - | - |  | - | -
Peru | 6 |  | 7 | 6 |  | - | - |  | - | -
Switzerland | 4,403 |  | 4,415 | 4,403 |  | - | - |  | - | -
Corporate securities | 211,103 |  | 216,005 | 208,241 |  | 3,559 | 2,512 |  | 2,297 | 350
Rural product note | 28,896 |  | 28,670 | 28,618 |  | 287 | 262 |  | 29 | 16
Real estate receivables certificates | 7,214 |  | 7,318 | 7,214 |  | - | - |  | - | -
Bank deposit certificate | 1,172 |  | 1,172 | 1,172 |  | - | - |  | - | -
Debentures | 110,075 |  | 110,732 | 108,140 |  | 2,470 | 1,610 |  | 2,037 | 325
Eurobonds and other | 8,770 |  | 9,035 | 8,770 |  | - | - |  | - | -
Financial bills | 19,504 |  | 19,535 | 19,504 |  | - | - |  | - | -
Promissory and commercial notes | 11,250 |  | 11,251 | 11,250 |  | - | - |  | - | -
Other | 24,222 |  | 28,292 | 23,573 |  | 802 | 640 |  | 231 | 9
Total | 723,428 |  | 727,141 | 715,215 |  | 8,818 | 7,771 |  | 2,389 | 442
| 12/31/2021
| Fair value |  | Stage 1 |  | Stage 2 |  | Stage 3
| Cost | Fair value |  | Cost | Fair value |  | Cost | Fair value
Investment funds | 20,139 |  | 4,906 | 4,914 |  | 15,224 | 15,225 |  | - | -
Government securities | 423,085 |  | 426,959 | 423,085 |  | - | - |  | - | -
Brazilian government | 362,449 |  | 365,947 | 362,449 |  | - | - |  | - | -
Other Public | - |  | 36 | - |  | - | - |  | - | -
Abroad | 60,636 |  | 60,976 | 60,636 |  | - | - |  | - | -
Argentina | 1,335 |  | 1,310 | 1,335 |  | - | - |  | - | -
United States | 7,189 |  | 7,226 | 7,189 |  | - | - |  | - | -
Mexico | 12,413 |  | 12,424 | 12,413 |  | - | - |  | - | -
Spain | 6,131 |  | 6,132 | 6,131 |  | - | - |  | - | -
Korea | 5,604 |  | 5,604 | 5,604 |  | - | - |  | - | -
Chile | 21,399 |  | 21,552 | 21,399 |  | - | - |  | - | -
Paraguay | 1,469 |  | 1,526 | 1,469 |  | - | - |  | - | -
Uruguay | 1,258 |  | 1,256 | 1,258 |  | - | - |  | - | -
Colombia | 3,830 |  | 3,938 | 3,830 |  | - | - |  | - | -
Peru | 8 |  | 8 | 8 |  | - | - |  | - | -
Corporate securities | 173,163 |  | 169,489 | 167,457 |  | 3,391 | 2,789 |  | 4,993 | 2,917
Rural product note | 12,744 |  | 12,474 | 12,597 |  | 146 | 121 |  | 38 | 26
Real estate receivables certificates | 4,999 |  | 5,063 | 4,999 |  | - | - |  | - | -
Bank deposit certificate | 390 |  | 392 | 390 |  | - | - |  | - | -
Debentures | 103,659 |  | 99,438 | 98,867 |  | 2,383 | 1,923 |  | 4,704 | 2,869
Eurobonds and other | 10,206 |  | 10,236 | 10,194 |  | 12 | 12 |  | - | -
Financial bills | 10,168 |  | 10,185 | 10,168 |  | - | - |  | - | -
Promissory and commercial notes | 8,901 |  | 8,874 | 8,901 |  | - | - |  | - | -
Other | 22,096 |  | 22,827 | 21,341 |  | 850 | 733 |  | 251 | 22
Total | 616,387 |  | 601,354 | 595,456 |  | 18,615 | 18,014 |  | 4,993 | 2,917
Summary of Financial Assets Individually Evaluated Classified by Rating |
Summary of Financial Assets Individually Evaluated Classified by Rating |  |  |  |  |
Other Financial Assets - Internal Classification by Level of Risk
12/31/2022
Internal rating | Financial Assets - At Amortized Cost | Financial assets at fair value through profit or loss (1) | Financial Assets at fair value through other comprehensive income | Total
Interbank deposits and securities purchased under agreements to resell | Securities
Low | 281,371 | 214,894 | 461,153 | 120,977 | 1,078,395
Medium | - | 3,816 | 2,104 | 75 | 5,995
High | - | 605 | 50 | - | 655
Total | 281,371 | 219,315 | 463,307 | 121,052 | 1,085,045
% | 25.9% | 20.2% | 42.7% | 11.2% | 100.0%
1) Includes Derivatives in the amount of R$ 78,208.
12/31/2021
Internal rating | Financial Assets - At Amortized Cost | Financial assets at fair value through profit or loss (1) | Financial Assets at fair value through other comprehensive income | Total
Interbank deposits and securities purchased under agreements to resell | Securities
Low | 245,442 | 142,416 | 430,729 | 105,622 | 924,209
Medium | - | 4,399 | 3,219 | - | 7,618
High | 18 | 931 | 64 | - | 1,013
Total | 245,460 | 147,746 | 434,012 | 105,622 | 932,840
% | 26.4% | 15.8% | 46.5% | 11.3% | 100.0%
1) Includes Derivatives in the amount of R$ 69,045.
Summary of Collateral for Loans and Financial Lease Operations |
Summary of Collateral for Loans and Financial Lease Operations |  |  |  |  |  |  |  |  |
| 12/31/2022 |  | 12/31/2021
Over-collateralized assets | Under-collateralized assets |  | Over-collateralized assets | Under-collateralized assets
Carrying value of the assets | Fair value of collateral | Carrying value of the assets | Fair value of collateral |  | Carrying value of the assets | Fair value of collateral | Carrying value of the assets | Fair value of collateral
Individuals | 141,896 | 336,597 | 3,085 | 2,861 |  | 113,194 | 282,131 | 1,014 | 907
Personal (1) | 2,971 | 11,106 | 1,469 | 1,394 |  | 2,436 | 8,338 | 639 | 583
Vehicles (2) | 29,613 | 70,901 | 1,610 | 1,463 |  | 26,941 | 68,275 | 368 | 318
Mortgage loans (3) | 109,312 | 254,590 | 6 | 4 |  | 83,817 | 205,518 | 7 | 6
Micro, small and medium companies and corporates (4) | 173,007 | 614,178 | 41,395 | 36,233 |  | 170,334 | 634,871 | 32,436 | 26,933
Foreign loans - Latin America (4) | 175,517 | 319,085 | 11,817 | 4,441 |  | 168,968 | 330,020 | 9,782 | 4,152
Total | 490,420 | 1,269,860 | 56,297 | 43,535 |  | 452,496 | 1,247,022 | 43,232 | 31,992
1) In general requires financial collaterals.
2) Vehicles themselves are pledged as collateral, as well as assets leased in lease operations.
3) Properties themselves are pledged as collateral.
4) Any collateral set forth in the credit policy of ITAÚ UNIBANCO HOLDING (chattel mortgage, surety/joint debtor, mortgage and other).
Summary of VaR Total - Historical Simulation | Summary of VaR Total - Historical Simulation VaR Total (Historical Simulation) (in millions of reais) (1)12/31/2022 12/31/2021AverageMinimumMaximumVar Total AverageMinimumMaximumVar Total VaR by Risk Factor Group Interest rates1,1028851,7511,160 9374251,4111,257Currencies2695526 18103713Shares27186565 42179824Commodities421010 4184Effect of diversification---(527) ---(602)Total risk6784941,172734 441198707696 1) VaR by Risk Factor Group considers information from foreign units.
Summary of Position of Accounts Subject to Interest Rate Risk |
Summary of Position of Accounts Subject to Interest Rate Risk |  |  |  |  |  |  |  |  |  |  |  |  |
| 12/31/2022 |  | 12/31/2021
| 0-30 days | 31-180 days | 181-365 days | 1-5 years | Over 5 years | Total |  | 0-30 days | 31-180 days | 181-365 days | 1-5 years | Over 5 years | Total
Financial assets | 604,311 | 374,530 | 208,849 | 633,741 | 274,964 | 2,096,395 |  | 457,279 | 294,051 | 193,279 | 642,495 | 253,300 | 1,840,404
At amortized cost | 464,682 | 314,721 | 167,134 | 392,172 | 171,952 | 1,510,661 |  | 395,256 | 258,580 | 152,270 | 345,538 | 148,969 | 1,300,613
Compulsory deposits in the Central Bank of Brazil | 102,600 | - | - | - | - | 102,600 |  | 92,580 | - | - | - | - | 92,580
Interbank deposits | 40,782 | 8,207 | 7,683 | 2,800 | 114 | 59,586 |  | 51,138 | 7,050 | 5,861 | 5,669 | 216 | 69,934
Securities purchased under agreements to resell | 177,458 | 44,221 | 47 | - | 50 | 221,776 |  | 142,405 | 26,532 | - | 403 | 371 | 169,711
Securities | 15,933 | 19,075 | 26,632 | 107,906 | 47,731 | 217,277 |  | 4,427 | 12,884 | 27,858 | 69,965 | 30,664 | 145,798
Loan and lease operations | 127,909 | 243,218 | 132,772 | 281,466 | 124,057 | 909,422 |  | 104,706 | 212,114 | 118,551 | 269,501 | 117,718 | 822,590
At fair value through other comprehensive income | 35,573 | 13,223 | 6,609 | 47,249 | 18,398 | 121,052 |  | 10,420 | 9,286 | 6,722 | 63,256 | 15,938 | 105,622
At fair value through profit and loss | 104,056 | 46,586 | 35,106 | 194,320 | 84,614 | 464,682 |  | 51,603 | 26,185 | 34,287 | 233,701 | 88,393 | 434,169
Securities | 81,484 | 39,344 | 26,454 | 169,113 | 68,704 | 385,099 |  | 36,111 | 13,872 | 28,532 | 212,911 | 73,541 | 364,967
Derivatives | 22,572 | 7,215 | 8,362 | 24,834 | 15,225 | 78,208 |  | 15,492 | 12,292 | 5,632 | 20,777 | 14,852 | 69,045
Other Financial Assets | - | 27 | 290 | 373 | 685 | 1,375 |  | - | 21 | 123 | 13 | - | 157
Financial liabilities | 651,532 | 177,388 | 142,668 | 585,754 | 112,329 | 1,669,671 |  | 660,751 | 127,205 | 107,515 | 361,399 | 228,857 | 1,485,727
At amortized cost | 643,530 | 160,422 | 125,266 | 563,338 | 99,607 | 1,592,163 |  | 653,598 | 110,994 | 99,753 | 340,944 | 216,959 | 1,422,248
Deposits | 360,548 | 75,395 | 62,860 | 360,225 | 12,410 | 871,438 |  | 402,930 | 52,259 | 38,563 | 220,822 | 135,798 | 850,372
Securities sold under repurchase agreements | 264,284 | 5,698 | 816 | 16,223 | 6,419 | 293,440 |  | 239,843 | 2,627 | 725 | 5,659 | 3,994 | 252,848
Interbank market funds | 12,918 | 67,034 | 57,476 | 148,390 | 8,769 | 294,587 |  | 9,976 | 46,610 | 41,520 | 69,043 | 9,996 | 177,145
Institutional market funds | 5,379 | 11,800 | 3,552 | 36,642 | 72,009 | 129,382 |  | 439 | 9,045 | 18,422 | 43,559 | 67,171 | 138,636
Premium bonds plans | 401 | 495 | 562 | 1,858 | - | 3,316 |  | 410 | 453 | 523 | 1,861 | - | 3,247
At fair value through profit and loss | 8,002 | 16,966 | 17,402 | 22,416 | 12,722 | 77,508 |  | 7,153 | 16,211 | 7,762 | 20,455 | 11,898 | 63,479
Derivatives | 8,002 | 16,950 | 17,164 | 22,278 | 12,467 | 76,861 |  | 7,153 | 16,174 | 7,625 | 20,404 | 11,848 | 63,204
Structured notes | - | 1 | 1 | 18 | 44 | 64 |  | - | - | 16 | 48 | 50 | 114
Other Financial Liabilities | - | 15 | 237 | 120 | 211 | 583 |  | - | 37 | 121 | 3 | - | 161
Difference assets / liabilities (1) | (47,221) | 197,142 | 66,181 | 47,987 | 162,635 | 426,724 |  | (203,472) | 166,846 | 85,764 | 281,096 | 24,443 | 354,677
Cumulative difference | (47,221) | 149,921 | 216,102 | 264,089 | 426,724 |  |  | (203,472) | (36,626) | 49,138 | 330,234 | 354,677 |
Ratio of cumulative difference to total interest-bearing assets | (2.3)% | 7.2% | 10.3% | 12.6% | 20.4% |  |  | (11.1)% | (2.0)% | 2.7% | 17.9% | 19.3% |
1) The difference arises from the mismatch between the maturities of all remunerated assets and liabilities, at the respective period-end date, considering the contractually agreed terms.
Summary of Funding from Customers |
Summary of Funding from Customers |  |  |  |  |  |  |
Funding from customers | 12/31/2022 |  | 12/31/2021
0-30 days | Total | % |  | 0-30 days | Total | %
Deposits | 360,548 | 871,438 |  |  | 402,930 | 850,372 |
Demand deposits | 117,587 | 117,587 | 9.9% |  | 158,116 | 158,116 | 14.8%
Savings deposits | 179,764 | 179,764 | 15.2% |  | 190,601 | 190,601 | 17.9%
Time deposits | 57,365 | 564,215 | 47.7% |  | 52,563 | 497,051 | 46.5%
Other | 5,832 | 9,872 | 0.8% |  | 1,650 | 4,604 | 0.4%
Funds from acceptances and issuance of securities (1) | 12,436 | 256,495 | 21.8% |  | 2,310 | 143,138 | 13.4%
Funds from own issue (2) | - | 8 | - |  | - | 21 | -
Subordinated debt | - | 54,540 | 4.6% |  | - | 75,036 | 7.0%
Total | 372,984 | 1,182,481 | 100.0% |  | 405,240 | 1,068,567 | 100.0%
1) Includes mortgage notes, guaranteed real estate credit bills, agribusiness, financial recorded in interbank markets funds and Obligations on the issue of debentures, Securities abroad and strutured operations certificates recorded in Institutional Markets Funds.
2) Refers to deposits received under securities repurchase agreements with securities from own issue.
Summary of Liquidity Indicators |
Summary of Liquidity Indicators |  |
The table below shows the indicators used by ITAÚ UNIBANCO HOLDING in the management of liquidity risk:
Liquidity indicators | 12/31/2022 | 12/31/2021
% | %
Net assets / customers funds within 30 days (1,2) | 69.4% | 56.5%
Net assets / total customers funds (1,3) | 21.9% | 21.4%
Net assets / total financial assets (1,4) | 16.2% | 16.2%
1) Net assets (present value): Cash, Securities purchased under agreements to resell – Funded position and Government securities - available. Detailed in the table Non discounted future flows – Financial assets.
2) Funding from customers table (Total funding from customers 0-30 days).
3) Funding from customers table (Total funding from customers).
4) Detailed in the table Non discounted future flows – Financial assets, total present value regards R$ 1,595,176 (R$ 1,411,089 at 12/31/2021).
Summary of Assets and Liabilities According to Their Remaining Contractual Maturities, Considering Their Undiscounted Flows |
Summary of Assets and Liabilities According to Their Remaining Contractual Maturities, Considering Their Undiscounted Flows |  |  |  |  |  |  |  |  |  |  |
Undiscounted future flows, except for derivatives which are fair value | 12/31/2022 |  | 12/31/2021
Financial assets (1) | 0 - 30 | 31 - 365 | 366 - 720 | Over 720 days | Total |  | 0 - 30 | 31 - 365 | 366 - 720 | Over 720 days | Total
Cash | 35,381 | - | - | - | 35,381 |  | 44,512 | - | - | - | 44,512
Interbank investments | 225,253 | 57,085 | 1,797 | 1,493 | 285,628 |  | 195,260 | 32,238 | 4,535 | 1,670 | 233,703
Securities purchased under agreements to resell – Collateral held (2) | 46,146 | 9,912 | - | 116 | 56,174 |  | 32,435 | - | - | - | 32,435
Securities purchased under agreements to resell – Collateral repledge | 138,381 | 30,926 | - | - | 169,307 |  | 105,875 | 19,355 | - | - | 125,230
Interbank deposits (4) | 40,726 | 16,247 | 1,797 | 1,377 | 60,147 |  | 56,950 | 12,883 | 4,535 | 1,670 | 76,038
Securities | 214,486 | 55,033 | 28,743 | 230,772 | 529,034 |  | 158,915 | 30,191 | 45,156 | 223,244 | 457,506
Government securities - available | 188,251 | - | 2 | - | 188,253 |  | 145,989 | 453 | 483 | 6,737 | 153,662
Government securities – under repurchase commitments | 6,196 | 27,370 | 12,194 | 37,632 | 83,392 |  | 1,337 | 13,446 | 27,132 | 35,575 | 77,490
Private securities - available | 19,995 | 24,066 | 11,986 | 128,862 | 184,909 |  | 11,247 | 13,349 | 12,062 | 133,385 | 170,043
Private securities – under repurchase commitments | 44 | 3,597 | 4,561 | 64,278 | 72,480 |  | 342 | 2,943 | 5,479 | 47,547 | 56,311
Derivative financial instruments - Net position | 22,572 | 15,577 | 10,093 | 29,966 | 78,208 |  | 15,492 | 17,924 | 8,826 | 26,803 | 69,045
Swaps | 4,866 | 5,499 | 8,261 | 28,276 | 46,902 |  | 1,820 | 3,803 | 7,341 | 25,050 | 38,014
Options | 15,610 | 6,649 | 802 | 610 | 23,671 |  | 10,599 | 9,216 | 683 | 754 | 21,252
Forwards | 460 | 135 | - | 6 | 601 |  | 1,595 | 1,513 | 3 | - | 3,111
Other derivatives | 1,636 | 3,294 | 1,030 | 1,074 | 7,034 |  | 1,478 | 3,392 | 799 | 999 | 6,668
Loan and lease operations (3) | 93,627 | 314,332 | 154,386 | 334,402 | 896,747 |  | 77,663 | 282,913 | 135,840 | 315,004 | 811,420
Other financial assets | 3 | 314 | 91 | 967 | 1,375 |  | - | 144 | 5 | 8 | 157
Total financial assets | 591,322 | 442,341 | 195,110 | 597,600 | 1,826,373 |  | 491,842 | 363,410 | 194,362 | 566,729 | 1,616,343
1) The assets portfolio does not take into consideration the balance of compulsory deposits in Central Bank, amounting to R$ 115,748 (R$ 110,392 at 12/31/2021), which release of funds is linked to the maturity of the liability portfolios. The amounts of PGBL and VGBL are not considered in the assets portfolio because they are covered in Note 26. 2) Net of R$ 14,576 (R$ 9,266 at 12/31/2021) which securities are linked to guarantee transactions at B3 S.A. - Brasil, Bolsa, Balcão and the BACEN. 3) Net of payment to merchants of R$ 109,981 (R$ 92,011 at 12/31/2021) and the amount of liabilities from transactions related to credit assignments R$ 772 (R$ 1,004 at 12/31/2021). 4) Includes R$ 28,108 (R$ 40,221 at 12/31/2021) related to Compulsory Deposits with Central Banks of other countries.
Undiscounted future flows, except for derivatives which are fair value | 12/31/2022 |  | 12/31/2021
Financial liabilities | 0 – 30 | 31 – 365 | 366 – 720 | Over 720 days | Total |  | 0 – 30 | 31 – 365 | 366 – 720 | Over 720 days | Total
Deposits | 370,101 | 138,908 | 66,162 | 405,977 | 981,148 |  | 397,416 | 96,669 | 95,397 | 350,792 | 940,274
Demand deposits | 117,587 | - | - | - | 117,587 |  | 158,116 | - | - | - | 158,116
Savings deposits | 179,764 | - | - | - | 179,764 |  | 190,601 | - | - | - | 190,601
Time deposit | 66,750 | 134,941 | 66,161 | 405,977 | 673,829 |  | 46,938 | 94,040 | 95,149 | 350,791 | 586,918
Interbank deposits | 1,022 | 3,967 | 1 | - | 4,990 |  | 933 | 2,629 | 248 | 1 | 3,811
Other deposits | 4,978 | - | - | - | 4,978 |  | 828 | - | - | - | 828
Compulsory deposits | (49,497) | (17,084) | (8,119) | (41,048) | (115,748) |  | (49,924) | (12,461) | (11,797) | (36,210) | (110,392)
Demand deposits | (13,148) | - | - | - | (13,148) |  | (17,812) | - | - | - | (17,812)
Savings deposits | (27,923) | - | - | - | (27,923) |  | (25,807) | - | - | - | (25,807)
Time deposit | (8,426) | (17,084) | (8,119) | (41,048) | (74,677) |  | (6,305) | (12,461) | (11,797) | (36,210) | (66,773)
Securities sold under repurchase agreements (1) | 297,853 | 1,900 | 6,597 | 15,387 | 321,737 |  | 265,184 | 5,615 | 7,020 | 5,943 | 283,762
Government securities | 229,077 | 1,899 | 6,597 | 15,375 | 252,948 |  | 191,281 | 1,261 | 3,885 | 5,687 | 202,114
Private securities | 23,709 | 1 | - | 12 | 23,722 |  | 26,141 | 3,621 | 2,775 | 18 | 32,555
Foreign | 45,067 | - | - | - | 45,067 |  | 47,762 | 733 | 360 | 238 | 49,093
Funds from acceptances and issuance of securities (2) | 10,532 | 52,792 | 61,847 | 152,502 | 277,673 |  | 2,986 | 35,346 | 30,927 | 83,967 | 153,226
Loans and onlending obligations (3) | 35,747 | 70,549 | 10,734 | 11,284 | 128,314 |  | 9,875 | 71,278 | 9,491 | 12,868 | 103,512
Subordinated debt (4) | 492 | 22,085 | 7,803 | 43,189 | 73,569 |  | 55 | 27,857 | 16,282 | 48,969 | 93,163
Derivative financial instruments - Net position | 8,002 | 34,114 | 9,056 | 25,689 | 76,861 |  | 7,153 | 23,799 | 8,596 | 23,656 | 63,204
Swaps | 2,835 | 5,114 | 7,344 | 23,775 | 39,068 |  | 1,562 | 3,970 | 6,944 | 22,170 | 34,646
Option | 3,221 | 25,087 | 901 | 673 | 29,882 |  | 4,086 | 16,896 | 786 | 779 | 22,547
Forward | 55 | 10 | - | - | 65 |  | 762 | - | - | - | 762
Other derivatives | 1,891 | 3,903 | 811 | 1,241 | 7,846 |  | 743 | 2,933 | 866 | 707 | 5,249
Other financial liabilities | - | 252 | 34 | 297 | 583 |  | - | 158 | - | 3 | 161
Total financial liabilities | 675,359 | 302,967 | 153,854 | 611,957 | 1,744,137 |  | 632,745 | 248,261 | 155,916 | 489,988 | 1,526,910
1) Includes own and third parties’ portfolios. 2) Includes mortgage notes, Guaranteed real estate notes, agribusiness, financial recorded in interbank market funds and Obligations on issue of debentures, Securities abroad and Structured Transactions certificates recorded in institutional markets funds. 3) Recorded in funds from interbank markets. 4) Recorded in funds from institutional markets.
Summary of Off Balance Commitments |
Summary of Off Balance Commitments |  |  |  |  |  |  |  |  |  |  |  |
Off balance commitments |  | 12/31/2022 |  | 12/31/2021
Note | 0 – 30 | 31 – 365 | 366 – 720 | Over 720 days | Total |  | 0 – 30 | 31 – 365 | 366 – 720 | Over 720 days | Total
Financial Guarantees |  | 2,987 | 31,548 | 12,731 | 44,513 | 91,779 |  | 3,742 | 28,530 | 11,046 | 39,592 | 82,910
Commitments to be released |  | 161,822 | 50,552 | 20,386 | 172,484 | 405,244 |  | 151,235 | 35,605 | 18,541 | 185,634 | 391,015
Letters of credit to be released |  | 47,354 | - | - | - | 47,354 |  | 45,773 | - | - | - | 45,773
Contractual commitments - Fixed and Intangible assets | 13 and 14 | - | - | - | 3 | 3 |  | - | 3 | - | - | 3
Total |  | 212,163 | 82,100 | 33,117 | 217,000 | 544,380 |  | 200,750 | 64,138 | 29,587 | 225,226 | 519,701
Summary of Composition Of Capital Adequcy |
Summary of Composition Of Capital Adequcy |  |
| 12/31/2022 | 12/31/2021
Available capital (amounts) |  |
Common Equity Tier 1 | 147,781 | 130,716
Tier 1 | 166,868 | 149,912
Total capital (PR) | 185,415 | 169,797
Risk-weighted assets (amounts) |  |
Total risk-weighted assets (RWA) | 1,238,582 | 1,153,841
Risk-based capital ratios as a percentage of RWA |  |
Common Equity Tier 1 ratio (%) | 11.9% | 11.3%
Tier 1 ratio (%) | 13.5% | 13.0%
Total capital ratio (%) | 15.0% | 14.7%
Additional CET1 buffer requirements as a percentage of RWA |  |
Capital conservation buffer requirement (%) (1) | 2.50% | 2.00%
Countercyclical buffer requirement (%) | - | -
Bank G-SIB and/or D-SIB additional requirements (%) | 1.0% | 1.0%
Total of bank CET1 specific buffer requirements (%) | 3.50% | 3.00%
1) For purposes of calculating the Conservation capital buffer, BACEN Resolution 4,783 establishes, for defined periods, percentages to be applied to the RWA value with a gradual increase until April/22, when it reaches 2.5%.
Summary of risk weighted assets |
Summary of risk weighted assets |  |
| RWA
| 12/31/2022 | 12/31/2021
Credit Risk - standardized approach | 1,118,752 | 1,044,344
Credit risk (excluding counterparty credit risk) | 1,016,137 | 922,824
Counterparty credit risk (CCR) | 40,222 | 42,898
Of which: standardized approach for counterparty credit risk (SA-CCR) | 25,361 | 27,616
Of which: other CCR | 14,861 | 15,282
Credit valuation adjustment (CVA) | 7,695 | 8,102
Equity investments in funds - look-through approach | 8,002 | 5,001
Equity investments in funds - mandate-based approach | 104 | 95
Equity investments in funds - fall-back approach | 1,461 | 824
Securitisation exposures - standardized approach | 4,408 | 2,195
Amounts below the thresholds for deduction | 40,723 | 62,405
Market Risk | 23,240 | 22,985
Of which: standardized approach (RWAMPAD) | 29,050 | 28,731
Of which: internal models approach (RWAMINT) | 23,097 | 14,751
Operational Risk | 96,590 | 86,512
Total | 1,238,582 | 1,153,841
Summary of effect of changes on actuarial assumptions |
Summary of effect of changes on actuarial assumptions |  |  |  |  |
| Impact in Income and Stockholders’ Equity (1)
Sensitivity Test | 12/31/2022 |  | 12/31/2021
Private Pension | Insurance |  | Private Pension | Insurance
Mortality Rates |  |  |  |  |
5% increase | 48 | (7) |  | 45 | (2)
5% decrease | (49) | 7 |  | (48) | 2
Risk-free Interest Rates |  |  |  |  |
0.1% increase | 110 | 7 |  | 102 | 10
0.1% decrease | (113) | (7) |  | (104) | (10)
Conversion in Income Rates |  |  |  |  |
5% increase | (13) | - |  | (11) | -
5% decrease | 15 | - |  | 11 | -
Claims |  |  |  |  |
5% increase | - | (50) |  | - | (58)
5% decrease | - | 50 |  | - | 58
Summary of risk concentration |
Summary of risk concentration |  |  |  |  |  |  |  |  |  |  |
| 01/01 to 12/31/2022 |  | 01/01 to 12/31/2021 |  | 01/01 to 12/31/2020
| Insurance premiums | Retained premium | Retention (%) |  | Insurance premiums | Retained premium | Retention (%) |  | Insurance premiums | Retained premium | Retention (%)
Individuals |  |  |  |  |  |  |  |  |  |  |
Group accident insurance | 976 | 973 | 99.7% |  | 884 | 883 | 99.9% |  | 849 | 847 | 99.8%
Individual accident | 153 | 149 | 97.5% |  | 176 | 175 | 99.4% |  | 192 | 187 | 97.4%
Credit Life Insurance | 1,412 | 1,412 | 100.0% |  | 1,008 | 1,008 | 100.0% |  | 624 | 624 | 100.0%
Group Life | 1,422 | 1,422 | 100.0% |  | 1,168 | 1,165 | 99.7% |  | 956 | 955 | 99.9%
Summary market risk |
Summary market risk |  |  |  |  |
Class | 12/31/2022 |  | 12/31/2021
Account balance | DV01 |  | Account balance | DV01
Government securities |  |  |  |  |
National Treasury Notes (NTN-C) | 5,966 | (3.19) |  | 5,154 | (3.05)
National Treasury Notes (NTN-B) | 6,832 | (7.01) |  | 6,094 | (6.24)
National Treasury Notes (NTN-F) | 257 | (0.14) |  | 205 | (0.11)
National Treasury Bills (LTN) | 277 | (0.05) |  | 166 | (0.01)
Corporate securities |  |  |  |  |
Indexed to IGPM | - | - |  | 7 | (0.02)
Indexed to IPCA | 404 | (0.39) |  | 355 | (0.36)
Indexed to PRE | 30 | - |  | 23 | -
Indexed to PYG | 76 | (0.01) |  | 30 | (0.01)
Shares | 630 | 6 |  | 947 | 9
Post-fixed assets | 3,776 | - |  | 6,048 | -
Under agreements to resell | 3,500 | - |  | 1,895 | -
Total | 21,748 |  |  | 20,924 |
Schedule of Liquidity Risk |
III.II - Liquidity Risk
Liquidity risk is identified by ITAÚ UNIBANCO HOLDING as the risk of lack of liquid resources available to cover its current obligations at a given moment. For insurance operations, the liquidity risk is managed continuously by monitoring payment flows against liabilities, compared to the inflows generated by its operations and financial assets portfolio.
Financial assets are managed in order to optimize the risk-return ratio of investments, considering, on a careful basis, the characteristics of their liabilities. The risk integrated control considers the concentration limits by issuer and credit risk, sensitivities and market risk limits and control over asset liquidity risk. Thus, investments are concentrated in government and private securities with good credit quality in active and liquid markets, keeping a considerable amount invested in short-term assets, available on demand, to cover regular needs and any liquidity contingencies. Additionally, ITAÚ UNIBANCO HOLDING constantly monitors the solvency conditions of its insurance operations.
Schedule of Liquidity Risk |  |  |  |  |  |  |  |
Liabilities |  | Assets | 12/31/2022 |  | 12/31/2021
Insurance operations |  | Backing asset | Liabilities amounts (1) | Liability Duration (months) | Asset Duration (months) |  | Liabilities amounts (1) | Liability Duration (months) | Asset Duration (months)
Unearned premiums |  | Financial treasury bills (LFT) Repurchase agreements National treasury bills (LTN) National treasury notes (NTN-B) National treasury notes (NTN-C) National treasury notes (NTN-F) Bank deposit certificates (CDB) Financial bills (LF) Debentures | 3,615 | 52.0 | 15.0 |  | 2,846 | 55.6 | 20.3
IBNR, PDR and PSL |  | 880 | 44.0 | 22.3 |  | 869 | 48.6 | 27.0
Redemptions and Other Unsettled Amounts |  | 23 | 13.1 | 15.2 |  | 19 | 17.9 | 20.3
Mathematical reserve for benefits to be granted and benefits granted |  | 30 | 71.6 | 19.6 |  | 19 | 122.6 | 27.4
Financial surplus |  | - | - | - |  | 1 | 149.5 | 20.3
Other provisions |  | 135 | 4.8 | 81.5 |  | 129 | 7.0 | 90.0
Subtotal |  | 4,683 |  |  |  | 3,883 |  |
Pension plan, VGBL and individual life operations |  |  |  |  |  |  |  |
Related expenses |  | 49 | 96.5 | 69.4 |  | 65 | 103.8 | 76.3
Unearned premiums |  | 12 | 19.6 | 11.3 |  | 12 | 16.0 | 18.5
Unsettled claims |  | 74 | 19.6 | 11.3 |  | 79 | 16.0 | 18.5
IBNR |  | 26 | 19.6 | 11.3 |  | 27 | 16.0 | 18.5
Redemptions and Other Unsettled Amounts |  | 394 | 19.6 | 11.3 |  | 358 | 16.0 | 18.5
Mathematical reserve for benefits granted |  | 4,015 | 96.5 | 69.5 |  | 3,786 | 103.8 | 76.4
Mathematical reserve for benefits to be granted – PGBL/ VGBL |  | 216,735 | 155.3 | 50.7 |  | 197,897 | 134.0 | 55.2
Mathematical reserve for benefits to be granted – traditional |  | 8,036 | 214.3 | 82.0 |  | 7,513 | 195.9 | 79.8
Other provisions |  | 397 | 214.2 | 82.0 |  | 665 | 195.9 | 79.8
Financial surplus |  | 729 | 214.3 | 82.0 |  | 691 | 195.9 | 79.8
Subtotal |  | 230,467 |  |  |  | 211,093 |  |
Total technical reserves |  | Total backing assets | 235,150 |  |  |  | 214,976 |  |
1) Gross amounts of Credit Rights, Deposits in Guarantee and Reinsurance.
Summary of Financial Assets Individually Evaluated Classified by Rating |
Summary of Financial Assets Individually Evaluated Classified by Rating |  |  |  |  |
III.III.III - Risk level of financial assets
The table below shows insurance financial assets, individually evaluated, classified by rating:
| 12/31/2022
| Financial Assets at Amortized Cost | Financial assets at fair value through profit or loss (1) | Financial assets at fair value through other comprehensive income | Total
Internal rating | Interbank deposits and securities purchased under agreements to resell | Securities |  |  |
Low | 6,560 | 15,171 | 205,665 | 547 | 227,943
Medium | - | 117 | 25 | - | 142
High | - | - | 11 | - | 11
Total | 6,560 | 15,288 | 205,701 | 547 | 228,096
% | 2.9% | 6.7% | 90.2% | 0.2% | 100.0%
1) Includes Derivatives in the amount of R$ 1,146.
| 12/31/2021
| Financial Assets at Amortized Cost | Financial assets at fair value through profit or loss (1) | Financial assets at fair value through other comprehensive income | Total
Internal rating | Interbank deposits and securities purchased under agreements to resell | Securities |  |  |
Low | 4,062 | 11,401 | 188,480 | 587 | 204,530
Medium | - | - | 1 | - | 1
High | - | - | 10 | - | 10
Total | 4,062 | 11,401 | 188,491 | 587 | 204,541
% | 2.0% | 5.6% | 92.1% | 0.3% | 100.0%
1) Includes Derivatives in the amount of R$ 2,946.

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