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Segment Information (Tables)

12 Months Ended

Dec. 31, 2022

Summary of Operating Segments
	01/01 to 12/31/2022
	Retail Business	Wholesale Business	Activities with the Market + Corporation	ITAÚ UNIBANCO	Adjustments	IFRS consolidated ⁽³⁾
Operating revenues	90,509	49,229	2,983	142,721	2,136	144,857
Interest margin ⁽¹⁾	54,881	34,701	2,979	92,561	(5,350)	87,211
Revenues from banking services and bank charges	26,787	14,143	177	41,107	5,271	46,378
Income from insurance and private pension operations before claim and selling expenses	8,841	385	(173)	9,053	(3,115)	5,938
Other revenues	-	-	-	-	5,330	5,330
Cost of Credit	(29,908)	(2,392)	-	(32,300)	4,563	(27,737)
Claims	(1,538)	(11)	-	(1,549)	(1)	(1,550)
Operating margin	59,063	46,826	2,983	108,872	6,698	115,570
Other operating income / (expenses)	(43,512)	(19,482)	(374)	(63,368)	(14,669)	(78,037)
Non-interest expenses ⁽²⁾	(37,302)	(17,019)	(312)	(54,633)	(14,531)	(69,164)
Tax expenses for ISS, PIS and COFINS and Other	(6,210)	(2,463)	(62)	(8,735)	(810)	(9,545)
Share of profit or (loss) in associates and joint ventures	-	-	-	-	672	672
Income before income tax and social contribution	15,551	27,344	2,609	45,504	(7,971)	37,533
Income tax and social contribution	(4,594)	(9,076)	(14)	(13,684)	6,888	(6,796)
Non-controlling interests	45	(825)	(254)	(1,034)	(1)	(1,035)
Net income	11,002	17,443	2,341	30,786	(1,084)	29,702
Net income	-

12/31/2022	Total assets ^(*) -	1,524,983	1,175,209	171,983	2,469,958	(146,518)	2,323,440
12/31/2022	Total liabilities -	1,455,227	1,102,834	144,379	2,300,224	(154,127)	2,146,097
^(*) Includes:
Investments in associates and joint ventures		2,114	-	4,798	6,912	531	7,443
Fixed assets, net		5,781	1,282	-	7,063	704	7,767
Goodwill and Intangible assets, net		8,660	9,062	-	17,722	5,392	23,114

1) Includes interest and similar income and expenses of R$ 51,758, result of financial assets and liabilities at fair value through profit or loss of R$ 34,173 and foreign exchange results and exchange variations in foreign transactions of R$ 1,280.

2) Refers to general and administrative expenses including depreciation and amortization expenses of R$ (5,750).

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 12/31/2021

Retail Business Wholesale Business 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

Commissions and  Banking Fees 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 interests (330) (591) (664) (1,585) (39) (1,624)

Net income 9,535 11,130 6,214 26,879 (119) 26,760

12/31/2021 Total assets ^(*) - 1,311,330 1,013,836 133,123 2,166,019 (96,813) 2,069,206

Total liabilities - 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    Business Wholesale Business 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

Revenues from  banking services and bank charges 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 interests (175) 601 (46) 380 3,452 3,832

Net income 6,621 5,786 6,129 18,536 360 18,896

12/31/2020 Total assets ^(*) - 1,265,620 981,034 143,715 2,112,586 (93,335) 2,019,251

Total liabilities - 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 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.

Summary of Result of Non-Current Assets and Main Services and Products by Geographic Region


	12/31/2022			12/31/2021
	Brazil	Abroad	Total	Brazil	Abroad	Total
Non-current assets	30,230	651	30,881	21,390	6,683	28,073

01/01 to 12/31/2022 01/01 to 12/31/2021 01/01 to 12/31/2020

Brazil Abroad Total Brazil Abroad Total Brazil Abroad Total

Income related to interest and similar ^(1,2,3) 174,118 51,608 225,726 117,094 27,420 144,514 104,364 19,247 123,611

Income from insurance and private pension operations before claim and selling expenses ⁽³⁾ 5,093 845 5,938 5,332 22 5,354 4,488 - 4,488

Commissions and Banking Fees ⁽³⁾ 31,928 14,450 46,378 37,744 4,580 42,324 34,624 3,933 38,557

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.

3) In "Brazil" geographic region the companies headquartered in the country and "Abroad" are considered; the other companies, the amounts consider the already eliminated values.