<SEC-DOCUMENT>0001292814-23-004720.txt : 20231122
<SEC-HEADER>0001292814-23-004720.hdr.sgml : 20231122
<ACCEPTANCE-DATETIME>20231122124244
ACCESSION NUMBER:		0001292814-23-004720
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		10
CONFORMED PERIOD OF REPORT:	20230930
FILED AS OF DATE:		20231122
DATE AS OF CHANGE:		20231122

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Itau Unibanco Holding S.A.
		CENTRAL INDEX KEY:			0001132597
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			D5
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15276
		FILM NUMBER:		231432023

	BUSINESS ADDRESS:	
		STREET 1:		PC. ALFREDO EGYDIO DE SOUZA ARANHA, 100
		STREET 2:		TORRE AE, 3 ANDAR, CEP 04344-902
		CITY:			SAO PAULO
		STATE:			D5
		ZIP:			00000
		BUSINESS PHONE:		55-11-5019-1723

	MAIL ADDRESS:	
		STREET 1:		PC. ALFREDO EGYDIO DE SOUZA ARANHA, 100
		STREET 2:		TORRE AE, 3 ANDAR, CEP 04344-902
		CITY:			SAO PAULO
		STATE:			D5
		ZIP:			00000

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Itau Unibanco Banco Multiplo S.A.
		DATE OF NAME CHANGE:	20090226

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANCO ITAU HOLDING FINANCEIRA S A
		DATE OF NAME CHANGE:	20030319

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BANCO ITAU SA
		DATE OF NAME CHANGE:	20010117
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>itubmtn3q23_6k.htm
<DESCRIPTION>FORM 6-K]
<TEXT>
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<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center"><B>UNITED STATES SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center"><B>FORM 6-K</B></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0; text-align: center"><B>REPORT OF FOREIGN PRIVATE ISSUER</B></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0; text-align: center"><B>PURSUANT TO RULE 13a-16 OR 15d-16 UNDER</B></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center"><B>THE SECURITIES EXCHANGE ACT OF 1934</B></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center"><B>For the month of November 2023</B></P>

<P STYLE="font: 11pt/200% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 1in"><B>Commission File Number: 001-15276</B></P>

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<P STYLE="font: 11pt/12pt Itau Display,sans-serif; margin: 0; text-align: center"><B>Ita&uacute; Unibanco Holding S.A.</B></P>

<P STYLE="font: 11pt/12pt Itau Display,sans-serif; margin: 0; text-align: center">(Exact name of registrant as specified in its charter)</P>

<P STYLE="font: 11pt/12pt Itau Display,sans-serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt/12pt Itau Display,sans-serif; margin: 0; text-align: center"><B>Ita&uacute; Unibanco Holding S.A.</B></P>

<P STYLE="font: 11pt/12pt Itau Display,sans-serif; margin: 0; text-align: center"><B>(Translation of Registrant&rsquo;s Name into English)</B></P>

<P STYLE="font: 11pt/12pt Itau Display,sans-serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt/12pt Itau Display,sans-serif; margin: 0; text-align: center"><B>Pra&ccedil;a Alfredo Egydio de Souza Aranha, 100-Torre
Concei&ccedil;&atilde;o</B></P>

<P STYLE="font: 11pt/12pt Itau Display,sans-serif; margin: 0; text-align: center"><B>CEP 04344-902 S&atilde;o Paulo, SP, Brazil</B></P>

<P STYLE="font: 11pt/12pt Itau Display,sans-serif; margin: 0; text-align: center">(Address of Principal Executive Office)</P>

<P STYLE="font: 11pt/12pt Itau Display,sans-serif; margin: 0; text-align: center">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 1pt 113.75pt"><DIV STYLE="font-size: 1pt; border-top: #999999 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 11pt/12pt Itau Display,sans-serif; margin: 0 0 6pt; text-align: justify">Indicate by check mark whether the registrant
files or will file annual reports under cover of Form&nbsp;20-F or Form 40-F.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 11pt">Form
20-F </FONT>[X]<FONT STYLE="font-family: Itau Display,sans-serif; font-size: 11pt">&#9;Form 40-F <font face="Wingdings">&uml;</font></FONT></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 6pt; text-align: justify">Indicate by check mark if the registrant is submitting
the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 11pt">Yes
<font face="Wingdings">&uml;</font>&#9;&#9;No&nbsp;</FONT>[X]</P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 6pt; text-align: justify">Indicate by check mark if the registrant is submitting
the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 28.85pt 0 35.45pt; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Yes
<font face="Wingdings">&uml;</font>&#9;No&nbsp;</FONT>[X]</P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 28.85pt 0 35.45pt; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0">&nbsp;</P>


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<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: center"><B>EXHIBIT INDEX </B></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0">&nbsp;</P>

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    <TD STYLE="width: 93%">&nbsp;</TD></TR>
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    <TD STYLE="white-space: nowrap; vertical-align: top; padding-left: 0.1in; font: 11pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B><A HREF="ex99-1.htm">99.1</A></B></FONT></TD>
    <TD STYLE="vertical-align: bottom; font: 11pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;<A HREF="ex99-1.htm">Form 6-K &ndash; 3Q2023 MTN Program</A></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 18pt Itau Display,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 11pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center">&nbsp;</P>


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<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: bold 11pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center">SIGNATURES</P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0pt 0 12pt; text-indent: 0.5in">Pursuant to the requirements of the Securities Exchange
Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 12pt">Date: November 22, 2023.</P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 12pt"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 12pt; text-indent: 3.5in"><B>Ita&uacute; Unibanco Holding S.A.</B></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 12pt"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 12pt 3.5in"><U>By<I>: /s/ Milton Maluhy Filho</I><BR>
</U>Name: Milton Maluhy Filho<BR>
Title: Chief Executive Officer</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 3.5in">&nbsp;</P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0 0 12pt 3.5in"><U>By: <I>/s/ Alexsandro Broedel</I><BR>
</U>Name: Alexandro Broedel<BR>
Title: Chief Financial Officer</P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0">&nbsp;</P>


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<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ex99-1.htm
<DESCRIPTION>EX-99.1
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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center"><B>UNITED STATES SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center"><B>FORM 6-K</B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: center"><B>REPORT OF FOREIGN PRIVATE ISSUER</B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: center"><B>PURSUANT TO RULE 13a-16 OR 15d-16 UNDER</B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center"><B>THE SECURITIES EXCHANGE ACT OF 1934</B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center"><B>For the month of November 2023</B></P>

<P STYLE="font: 10pt/200% Itau Display,sans-serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>Commission File Number:
001-15276</B></P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 1pt 113.4pt"><DIV STYLE="font-size: 1pt; border-top: #999999 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt/12pt Itau Display,sans-serif; margin: 0; text-align: center"><B>Ita&uacute; Unibanco Holding S.A.</B></P>

<P STYLE="font: 10pt/12pt Itau Display,sans-serif; margin: 0; text-align: center">(Exact name of registrant as specified in its charter)</P>

<P STYLE="font: 10pt/12pt Itau Display,sans-serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/12pt Itau Display,sans-serif; margin: 0; text-align: center"><B>Ita&uacute; Unibanco Holding S.A.</B></P>

<P STYLE="font: 10pt/12pt Itau Display,sans-serif; margin: 0; text-align: center"><B>(Translation of Registrant&rsquo;s Name into English)</B></P>

<P STYLE="font: 10pt/12pt Itau Display,sans-serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/12pt Itau Display,sans-serif; margin: 0; text-align: center"><B>Pra&ccedil;a Alfredo Egydio de Souza Aranha, 100-Torre
Concei&ccedil;&atilde;o</B></P>

<P STYLE="font: 10pt/12pt Itau Display,sans-serif; margin: 0; text-align: center"><B>CEP 04344-902 S&atilde;o Paulo, SP, Brazil</B></P>

<P STYLE="font: 10pt/12pt Itau Display,sans-serif; margin: 0; text-align: center">(Address of Principal Executive Office)</P>

<P STYLE="font: 10pt/12pt Itau Display,sans-serif; margin: 0; text-align: center">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 1pt 113.75pt"><DIV STYLE="font-size: 1pt; border-top: #999999 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt/12pt Itau Display,sans-serif; margin: 0 0 6pt; text-align: justify">Indicate by check mark whether the registrant
files or will file annual reports under cover of Form&nbsp;20-F or Form 40-F.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Form
20-F </FONT>[X]<FONT STYLE="font-family: Itau Display,sans-serif">&#9;Form 40-F &#9744;</FONT></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 6pt; text-align: justify">Indicate by check mark if the registrant is submitting
the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Yes
&#9744;&#9;No&nbsp;</FONT>[X]</P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 6pt; text-align: justify">Indicate by check mark if the registrant is submitting
the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 28.85pt 0 35.45pt; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">Yes
&#9744;&#9;No&nbsp;</FONT>[X]</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 28.85pt 0 35.45pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0">&nbsp;</P>


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<P STYLE="font: bold 10pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center">TABLE OF CONTENTS</P>

<P STYLE="font: bold 10pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: right">Page</P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Itau Display">
    <TD STYLE="width: 90%; text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 12pt; padding-left: 0.5in">CERTAIN TERMS AND CONVENTIONS</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 0in; padding-bottom: 12pt">1</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Itau Display">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 12pt; padding-left: 0.5in">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 12pt">2</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Itau Display">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 12pt; padding-left: 0.5in">PRESENTATION OF FINANCIAL AND OTHER INFORMATION</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 12pt">4</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Itau Display">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 12pt; padding-left: 0.5in">SELECTED FINANCIAL DATA</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 12pt">5</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Itau Display">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 12pt; padding-left: 0.5in">OPERATING AND FINANCIAL REVIEW AND PROSPECTS</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 12pt">7</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Itau Display">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 12pt; padding-left: 0.5in">REGULATORY RECENT DEVELOPMENTS</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 12pt">24</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Itau Display">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 12pt; padding-left: 0.5in">SIGNATURES</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 12pt">30</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Itau Display">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 12pt; padding-left: 0.5in">FINANCIAL STATEMENTS</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 12pt">31</TD></TR>
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<P STYLE="font: bold 11pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: center">CERTAIN TERMS AND CONVENTIONS</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">All references in this Form 6-K
to (i) &ldquo;<B>Ita&uacute; Unibanco Holding</B>,&rdquo; &ldquo;<B>Ita&uacute; Unibanco Group</B>,&rdquo; &ldquo;<B>we</B>,&rdquo; &ldquo;<B>us</B>&rdquo;
or &ldquo;<B>our</B>&rdquo; are references to Ita&uacute; Unibanco Holding S.A. and its consolidated subsidiaries, except where otherwise
specified or required by the context; (ii)&nbsp;the &ldquo;<B>Brazilian government</B>&rdquo; are references to the federal government
of the Federative Republic of Brazil, or Brazil; (iii) &ldquo;<B>preferred shares</B>&rdquo; are references to our authorized and outstanding
preferred shares with no par value; and (iv) &ldquo;<B>common shares</B>&rdquo; are references to our authorized and outstanding common
shares with no par value. All references to &ldquo;<B>ADSs</B>&rdquo; are to American Depositary Shares, each representing one preferred
share, without par value. The ADSs are evidenced by American Depositary Receipts, or &ldquo;<B>ADRs</B>,&rdquo; issued by The Bank of
New York Mellon, or BNY Mellon. All references herein to the &ldquo;<B><I>real</I></B>,&rdquo; &ldquo;<B><I>reais</I></B>&rdquo; or &ldquo;<B>R$</B>&rdquo;
are to the Brazilian <I>real</I>, the official currency of Brazil. All references to &ldquo;<B>US$</B>,&rdquo; &ldquo;<B>dollars</B>&rdquo;
or &ldquo;<B>U.S. dollars</B>&rdquo; are to United States dollars.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">Additionally, unless specified
or the context indicates otherwise, the following definitions apply throughout this Form 6-K:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&ldquo;<B>Ita&uacute; Unibanco</B>&rdquo;
means Ita&uacute; Unibanco S.A., together with its consolidated subsidiaries;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>&ldquo;Ita&uacute; BBA&rdquo;</B>
means Banco Ita&uacute; BBA S.A., together with its consolidated subsidiaries;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&ldquo;<B>Ita&uacute; Corpbanca</B>&rdquo;
means Ita&uacute; Corpbanca, together with its consolidated subsidiaries; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&ldquo;<B>Central Bank</B>&rdquo;
means the Central Bank of Brazil.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">Additionally,
acronyms used repeatedly, defined and technical terms, specific market expressions and the full names of our main subsidiaries and other
entities referenced in this </FONT>report on Form 6-K <FONT STYLE="letter-spacing: -0.1pt">are explained or detailed in the glossary of
terms beginning on page </FONT>200 to our annual report on Form 20-F for the year ended December 31, 2022 filed with the SEC on April
28, 2023, or our 2022 Form 20-F.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>


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<P STYLE="font: bold 11pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: center">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING
STATEMENTS</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in">This report on Form 6-K
contains statements that are or may constitute forward-looking statements within the meaning of the U.S. Private Securities Litigation
Reform Act of 1995, Section 27A of the United States Securities Act of 1933, as amended, or the Securities Act, and Section 21E of the
U.S. Securities Exchange Act of 1934, as amended, or the Exchange Act. We have based these forward-looking statements largely on our current
expectations and projections about future events and financial trends affecting our business. These forward-looking statements are subject
to risks, uncertainties and assumptions including, among other risks:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Political instability in Brazil, including developments
and the perception of risks in connection with the recently elected government in Brazil, as well as ongoing corruption and other investigations
and increasing fractious relations and infighting within the administration of the Brazilian government, as well as policies and potential
changes to address these matters or otherwise, including economic and fiscal reforms, any of which may negatively affect growth prospects
in the Brazilian economy as a whole;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">General economic, political, and business conditions
in Brazil and variations in inflation indices, interest rates, foreign exchange rates, and the performance of financial markets in Brazil
and the other markets in which we operate;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Global economic and political conditions, as well as
geopolitical instability, in particular in the countries where we operate, including in relation to the United States, the Russian invasion
of Ukraine and the Israel &ndash; Hamas conflict;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Changes in laws or regulations, including in respect
of tax matters, compulsory deposits and reserve requirements, that adversely affect our business;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Any changes in tax law, tax reforms or review of the
tax treatment of our activities may adversely affect our operations and profitability;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Disruptions and volatility in the global financial
markets;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Costs and availability of funding;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Failure or hacking of our security and operational
infrastructure or systems;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Our ability to protect personal data;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Our level of capitalization;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Increases in defaults by borrowers and other loan delinquencies,
which result in increases in loan loss allowances;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Competition in our industry;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Changes in our loan portfolio and changes in the value
of our securities and derivatives;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Customer losses or losses of other sources of revenues;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Our ability to execute our strategies and capital expenditure
plans and to maintain and improve our operating performance;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 12pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Our exposure to Brazilian public debt;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 12pt; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Incorrect pricing methodologies for insurance, pension
plan and premium bond products and inadequate reserves;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">The effectiveness of our risk management policies;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Our ability to successfully integrate acquired or merged
businesses;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Adverse legal or regulatory disputes or proceedings;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Environmental damage and climate change and effects
from socio-environmental issues, including new and/or more stringent regulations relating to these issues; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/107% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 8pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Other risk factors as set forth in our 2022 Form 20-F.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify; text-indent: 35.45pt">The words &ldquo;believe&rdquo;,
&ldquo;may&rdquo;, &ldquo;will&rdquo;, &ldquo;estimate&rdquo;, &ldquo;continue&rdquo;, &ldquo;anticipate&rdquo;, &ldquo;intend&rdquo;,
&ldquo;expect&rdquo; and similar words are intended to identify forward-looking statements but are not the exclusive means of identifying
such statements. We undertake no obligation to update publicly or revise any forward-looking statements because of new information, future
events or otherwise. In light of these risks and uncertainties, the forward-looking information, events and circumstances discussed in
this report on Form 6-K might not occur. Our actual results and performance could differ substantially from those anticipated in such
forward-looking statements.</P>


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<P STYLE="font: bold 11pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: center">PRESENTATION OF FINANCIAL AND OTHER INFORMATION</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 28.35pt">The information found
in this Form 6-K is accurate only as of the date of such information or as of the date of this Form 6-K, as applicable. Our activities,
our financial position and assets, the results of operations and our prospects may have changed since that date.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 28.35pt">Information contained
in or accessible through our website or any other websites referenced herein does not form part of this Form 6-K unless we specifically
state that it is incorporated by reference and forms part of this Form 6-K. All references in this Form 6-K to websites are inactive textual
references and are for information only.</P>

<P STYLE="font: bold 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify"><I>Effect of Rounding</I></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 28.35pt">Certain amounts and percentages
included in this Form 6-K, including in the section of this Form 6-K entitled &ldquo;Operating and Financial Review and Prospects&rdquo;
have been rounded for ease of presentation. Percentage figures included in this Form 6-K have not been calculated in all cases on the
basis of the rounded figures but on the basis of the original amounts prior to rounding. For this reason, certain percentage amounts in
this Form 6-K may vary from those obtained by performing the same calculations using the figures in our unaudited interim consolidated
financial statements. Certain other amounts that appear in this Form 6-K may vary slightly and figures shown as totals in certain tables
may not be an arithmetical aggregation of the figures preceding them.</P>

<P STYLE="font: bold 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify"><I>About our Financial Information</I></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 28.35pt">The reference date for
the quantitative information derived from our consolidated balance sheet included in this Form 6-K is as of September 30, 2023 and December
31, 2022 and the reference dates for information derived from our consolidated statement of income are the nine-month periods ended September
30, 2023 and 2022, except where otherwise indicated.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 28.35pt">Our unaudited interim
consolidated financial statements as of September 30, 2023 and December 31, 2022 and for the nine-month periods ended September 30, 2023
and 2022, included at the end of this Form 6-K, are prepared in accordance with International Accounting Standards (IAS) 34 &ndash; &ldquo;Interim
Financial Reporting&rdquo; issued by the International Accounting Standards Board (IASB).</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 28.35pt">Our unaudited interim
consolidated financial statements as of September 30, 2023 and December 31, 2022 and for the nine-month periods ended September 30, 2023
and 2022 were reviewed in accordance with International Standards on Auditing by PricewaterhouseCoopers Auditores Independentes Ltda.,
or PwC, our independent auditors. Such financial statements are referred to herein as our unaudited interim consolidated financial statements.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 28.35pt">Please see &ldquo;Note
30 &ndash; Segment Information&rdquo; to our unaudited interim consolidated financial statements for further details about the main differences
between our management reporting systems and our unaudited interim consolidated financial statements prepared in accordance with IAS 34
issued by the IASB.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 28.35pt">&nbsp;</P>


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<P STYLE="font: bold 11pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: center">SELECTED FINANCIAL DATA</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 28.35pt">We present below our selected
financial data derived from our unaudited interim consolidated financial statements included in this Form 6-K. Our unaudited interim consolidated
financial statements are presented as of September 30, 2023 and December 31, 2022 and for the nine-month periods ended September 30, 2023
and 2022 and have been prepared in accordance with IAS 34 issued by the IASB. Considering the adoption of IFRS 17 for insurance and reinsurance
contracts held as from January 1, 2023, we adopted the modified retrospective approach with a transition date of January 1, 2022 for comparative
purposes. For further details, please see &ldquo;Note 2 &ndash; Significant accounting policies&rdquo; to our unaudited interim consolidated
financial statements.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 28.35pt">Additionally, we present
a summarized version of our Consolidated Statement of Income, Consolidated Balance Sheet and Consolidated Statement of Cash Flows in the
section &ldquo;Operating and Financial Review and Prospects.&rdquo;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 28.35pt">The following selected
financial data should be read together with &ldquo;Presentation of Financial and Other Information&rdquo; and &ldquo;Operating and Financial
Review and Prospects.&rdquo;&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 0in">&nbsp;</P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Itau Display; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-size: 11pt; font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Income
    Information</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; text-align: center; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">For
    the nine-month period ended <BR>
    September 30,</FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Variation</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2023</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2022</FONT></TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="padding-right: 9px; font: italic 8pt Itau Display Light; vertical-align: bottom; border-top: Black 0.5pt solid; border-right: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions&nbsp;&nbsp;of&nbsp;&nbsp;R$, except percentages and basis&nbsp;&nbsp;points)</FONT></TD>
    <TD STYLE="font-style: italic; vertical-align: middle; text-align: center; border-top-color: Black; border-top-width: 0.5pt; border-left-color: Black; border-left-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; text-align: left; width: 57%"><FONT STYLE="font-family: Itau Display,sans-serif">Operating Revenues</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; width: 18%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;116,575</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; width: 18%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;106,043</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right; width: 7%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;9.9</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 27px; vertical-align: bottom; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Net interest
    income<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">73,669</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">65,295</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;12.8</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 27px; vertical-align: bottom; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Non-interest
    income<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">42,906</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">40,748</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;5.3</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Expected Loss from Financial
    Assets</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(24,023)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(20,235)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;18.7</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Other operating income (expenses)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(62,935)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(57,172)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;10.1</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Net income attributable to owners of the parent
    company</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">24,332</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">21,915</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;11.0</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Recurring Return on Average Equity - Annualized
    - Consolidated <SUP>(3)</SUP></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">19.6%</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">19.0%</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;60
    bps&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Return on Average Equity &ndash; Annualized
    - Consolidated<SUP>(4)</SUP></FONT></TD>
    <TD STYLE="vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">18.5%</FONT></TD>
    <TD STYLE="vertical-align: middle; border-right: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">18.6%</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; border-left-color: Black; border-left-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;-10
    bps&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="font-size: 8pt; border-top: Black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(1)
    Includes: (i) interest and similar income; (ii) interest and similar expenses; (iii) income of financial assets and liabilities at
    fair value through profit or loss; and (iv) foreign exchange results and exchange variations in foreign transactions.<BR>
    (2) Includes commissions and banking fees, income from insurance contracts and private pension and other income.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="font-size: 8pt; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(3) The Recurring Return
    on Average Equity is obtained by dividing the Recurring Result (R$25,846 million and R$22,361 million in the nine-month periods ended
    September 30, 2023 and 2022, respectively) by the Average Stockholders&rsquo; Equity adjusted by the dividends proposed (R$175,439
    million and R$156,958 million in the nine-month periods ended September 30, 2023 and 2022, respectively). The resulting amount is
    multiplied by the number of periods in the year to derive the annualized rate. The calculation bases of returns were adjusted by
    the dividends proposed after the balance sheet closing dates, which have not yet been approved at annual Stockholders' or Board meetings.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="font-size: 8pt; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(4) The Return on Average
    Equity is calculated by dividing the Net Income (R$24,332 million and R$21,915 million in the nine-month periods ended September
    30, 2023 and 2022, respectively) by the Average Stockholders&rsquo; Equity adjusted by the dividends proposed (R$175,439 million
    and R$156,958 million in the nine-month periods ended September 30, 2023 and 2022, respectively). This average considers the Stockholders&rsquo;
    Equity from the four previous quarters. The quotient of this division was multiplied by the number of periods in the year to arrive
    at the annual ratio. The calculation bases of returns were adjusted by the proposed dividend amounts after the balance sheet dates
    not yet approved at the annual shareholders 'meeting or at the Board of Directors' meetings.<BR></FONT></TD></TR>
  </TABLE>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 0in"><FONT STYLE="font-family: Itau Display">&nbsp;&nbsp;</FONT></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-size: 11pt; font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 57%"><FONT STYLE="font-family: Itau Display,sans-serif">Balance
    Sheet Information</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; text-align: center; border-left-color: white; border-left-width: 1.5pt; width: 18%"><FONT STYLE="font-family: Itau Display,sans-serif">As
    of September 30,</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: center; width: 18%"><FONT STYLE="font-family: Itau Display,sans-serif">As
    of December 31,</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center; width: 7%"><FONT STYLE="font-family: Itau Display,sans-serif">Variation</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2023</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2022</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="font-style: italic; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: italic 8pt Itau Display Light; vertical-align: bottom; border-top: Black 0.5pt solid; border-right: gray 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions of R$, except percentages and basis points)</FONT></TD>
    <TD STYLE="font-style: italic; vertical-align: middle; border-left: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Total assets</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;2,509,117</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;2,321,066</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;8.1</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Total loans and finance lease operations</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;905,804</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;909,422</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(0.4)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">(-) Provision for expected loss<SUP>(1)</SUP>&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(54,169)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(52,324)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;3.5</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-right: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Common Equity
    Tier I Ratio - in %</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">13.1%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">11.9%</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;120
    bps&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-right: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Tier I Ratio
    - in %&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">14.6%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">13.5%</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;110
    bps&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-right: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Total Capital
    Ratio - in %&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">16.3%</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">15.0%</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;130
    bps&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="font-size: 8pt; border-top: Black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(1)
    Comprises Expected Credit Loss for Financial Guarantees Pledged R$ (745) at 09/30/2023 (R$ (810) at 12/31/2022) and Loan Commitments
    R$ (3,190) at 09/30/2023 (R$ (2,874) at 12/31/2022). Please see &ldquo;Note 10 &mdash; Loan and Lease operations&rdquo; to our unaudited
    interim consolidated financial statements for further details.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 0in"><FONT STYLE="font-family: Itau Display"></FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 0in">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-size: 11pt; font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Other
    Information</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; text-align: center; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">For
    the nine-month period ended <BR>
    September 30,</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Variation</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2023</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2022</FONT></TD>
    <TD STYLE="font-style: italic; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">%</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; text-align: left; border-top-color: Black; border-top-width: 0.5pt; width: 57%"><FONT STYLE="font-family: Itau Display,sans-serif">Net
    income per share &ndash; R$ <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; width: 18%"><FONT STYLE="font-family: Itau Display,sans-serif">2.48</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; width: 18%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;2.24</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right; width: 7%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;10.7</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Weighted average number of outstanding shares&nbsp;&nbsp;-
    basic</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;9,797,666,069</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;9,798,370,088</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(0.0)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Total Number of Employees</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">97,486</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;100,361</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(2.9)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 9px; vertical-align: bottom; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Brazil</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">87,197</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">88,279</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(1.2)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 9px; vertical-align: bottom; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Abroad</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">10,289</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">12,082</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(14.8)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Total Branches and CSBs &ndash; Client Service
    Branches</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;3,509</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;3,816</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(8.0)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-right: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">ATM &ndash;
    Automated Teller Machines <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">41,746</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">43,891</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(4.9)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="font-size: 8pt; border-top: Black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(1)
    Calculated based on the weighted average number of outstanding shares for the period.</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="font-size: 8pt; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(2) Includes ESBs (electronic
    service branches) and service points at third-party locations and Banco24Horas ATMs.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 0in">&nbsp;</P>


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<P STYLE="font: bold 11pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center">OPERATING AND FINANCIAL REVIEW AND PROSPECTS</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><I>The following discussion should be read in conjunction
with our unaudited interim consolidated financial statements and accompanying notes and other financial information included elsewhere
in this Form 6-K and the description of our business in &ldquo;Item 4. Information on the Company&rdquo; in our 2022 Form 20-F. The following
discussion contains forward-looking statements that involve risks and uncertainties. Our actual results may differ materially from those
discussed in forward-looking statements as a result of various factors, including those set forth in &ldquo;Forward-Looking Statements&rdquo;
herein and in our 2022 Form 20-F.</I></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><I>&nbsp;</I></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><U>Results of Operations</U></B></P>

<P STYLE="font: 11pt Itau Display,sans-serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">In August 2023, we entered into an
agreement to sell all the shares of Banco Ita&uacute; Argentina. Due to this sale, the consolidated balance sheet of Ita&uacute; Unibanco
as of September 30, 2023 does not include the balances of Banco Ita&uacute; Argentina, while the income statement for the nine-month period
ended September 30, 2023 only reflected the results for the seven-month period ended July 31, 2023.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify; text-indent: 28.35pt">The table below presents
our summarized consolidated statement of income for the nine-month periods ended September 30, 2023 and 2022. The interest rates presented
are expressed in Brazilian <I>reais</I> and include the effect of the variation of the <I>real</I> against foreign currencies. For more
information on the products and services we offer, see &ldquo;Item 4. Information on the Company&rdquo; in our 2022 Form 20-F.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify; text-indent: 28.35pt">Please see our unaudited
interim consolidated financial statements for the nine-month period ended September 30, 2023 and 2022 for further details about our Consolidated
Statement of Income.</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Summarized
    Consolidated Statement of Income</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">For
    the nine month period ended <BR>
    September 30,&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Variation</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">2023</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">2022</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">R$
    million</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">%</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: italic 9pt Itau Display Light; border-top: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions of R$)</FONT></TD>
    <TD STYLE="font-size: 9pt; font-style: italic; border-left: Black 0.5pt solid; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; font-style: italic; border-top: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: left; width: 55%"><FONT STYLE="font-family: Itau Display,sans-serif">Operating
    revenues</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right; width: 11%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;116,575</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right; width: 13%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;106,043</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-left: Black 0.5pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;10,532</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right; width: 12%"><FONT STYLE="font-family: Itau Display,sans-serif">9.9</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 27px; vertical-align: bottom; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Net interest
    income<FONT STYLE="font-size: 10pt"><SUP>(1)</SUP></FONT></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">73,669</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">65,295</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;8,374</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">12.8</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 27px; vertical-align: bottom; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Non-interest
    income<FONT STYLE="font-size: 10pt"><SUP>(2)</SUP></FONT></FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">42,906</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">40,748</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;2,158</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">5.3</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Expected
    loss from financial assets</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(24,023)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(20,235)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(3,788)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">18.7</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Other operating income (expenses)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(62,935)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(57,172)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(5,763)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">10.1</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Net income before income
    tax and social contribution</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">29,617</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">28,636</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">981</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">3.4</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 27px; vertical-align: bottom; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Current
    and deferred income and social contribution taxes</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(4,685)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(5,956)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;1,271</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(21.3)</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Net income</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">24,932</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">22,680</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;2,252</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">9.9</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-bottom: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Net
    income attributable to owners of the parent company</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">24,332</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">21,915</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;2,417</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">11.0</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="font-size: 8pt; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(1) Includes:&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="padding-left: 9px; font-size: 8pt; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(i)
    interest and similar income (R$171,594 million and R$135,896 million in the nine-month periods ended September 30, 2023 and 2022,
    respectively); <BR>
    (ii) interest and similar expenses (R$(121,554) million and R$(78,406) million in the nine-month periods ended September 30, 2023
    and 2022, respectively); <BR>
    (iii) income of financial assets and liabilities at fair value through profit or loss (R$22,845 million and R$13,433 million in the
    nine-month periods ended September 30, 2023 and 2022, respectively); and<BR>
    (iv) foreign exchange results and exchange variations in foreign transactions (R$784 million and R$(5,628) million in the nine-month
    periods ended September 30, 2023 and 2022, respectively).</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="font-size: 8pt"><FONT STYLE="font-family: Itau Display,sans-serif">(2) Includes commissions and banking fees,
    Income from insurance contracts and private pension and other income.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 12pt 0 0"><U>Nine-month period ended September 30, 2023, compared to nine-month
period ended September 30, 2022.</U></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 12pt 0 0"><U></U></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0pt 0 12pt; text-align: justify; text-indent: 28.35pt"><B>Net income attributable
to owners of the parent company</B> increased by 11.0% to R$24,332 million for the nine-month period ended September 30, 2023, from R$21,915
million for the same period of 2022. This is mainly due to a 9.9%, or R$10,532 million, increase in operating revenues and 21.3%, or R$1,271
million, decrease in current and deferred income and social contribution taxes, offset by a 10.1%, or R$5,763 million, increase in other
operating income (expenses), and an 18.7%, or R$3,788 million, increase in expected loss from financial assets. These line items are further
described below:</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0pt 0 12pt; text-align: justify; text-indent: 28.35pt"><B>Net interest income
</B>increased by R$8,374 million, or 12.8%, for the nine-month period ended September 30, 2023<FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt; line-height: 115%">,
compared to the same period of 2022, mainly due to increases in the following line items (i) R$35,698 million in interest and similar
income, mainly due to increases of R$13,486 million in income from securities purchased under agreements to resell, R$12,935 million
in loan operations income and R$5,445 million in financial assets at fair value through other comprehensive income; (ii) R$9,412 million
in income of financial assets and liabilities at fair value through profit or loss; and (iii) R$6,412 million in foreign exchange results
and exchange variations in foreign transactions. These increases were offset by an increase of R$43,148 million in interest and similar
expenses.</FONT></P>


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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace">o</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif"><B>Interest and similar income</B> increased by 26.3%
for the nine-month period ended September 30, 2023, compared to the same period of 2022, due to higher income from securities purchased
under agreements to resell and the positive effect of the growth of our loan portfolio, in addition to the positive impact of the repricing
of our working capital, which set-off the lower credit spreads. </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Courier New, Courier, Monospace">o</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif"><B>Interest and similar expenses</B> increased by 55.0%
for the nine-month period ended September 30, 2023 compared to the same period of 2022, due to increases in the following line items:
(i) R$18,500 million in expenses from deposits, especially in time deposits; (ii) R$15,057 million in expenses from securities sold under
repurchase agreements; and (iii) R$11,619 million in interbank market funds. The increases mentioned above are a result of the increase
in the volume of our operations and the slight increase in interest rates.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0 0.75in; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0 0.75in; text-align: justify">Please see &ldquo;Note 21 &ndash; Interest
and similar income and expenses and income of financial assets and liabilities at fair value through profit or loss&rdquo; to our unaudited
interim consolidated financial statements for further details on interest and similar expenses.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt"><B>Non-interest income </B>increased
by 5.3%, or R$2,158 million for the nine-month period ended September 30, 2023 compared to the same period of 2022. This increase was
mainly due to (i) a 35.4%, or R$1,347 million, increase in income from insurance contracts and private pension, due to higher insurance
sales mainly related to group life products, credit life and mortgage insurance products, and the increase in our financial result of
the period; and (ii) a 1.6%, or R$531 million, increase in commissions and banking fees, due to the higher transaction volume from credit
and debit cards, both in the issuance and acquiring businesses.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">The following chart shows the
main components of our banking service fees for the nine-month periods ended September 30, 2023, and 2022:</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 28.35pt"><IMG SRC="image_001.jpg" ALT=""></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 8pt 0 12pt; text-align: justify; text-indent: 28.35pt">Please see &ldquo;Note
22 &ndash; Commissions and Banking Fees&rdquo; to our unaudited interim consolidated financial statements for further details on banking
service fees.</P>


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<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 8pt 0 5pt; text-align: justify"></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 8pt 0 12pt; text-align: justify; text-indent: 28.35pt"><B>Expected Loss from
Financial Assets</B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt">Our expected loss from
financial assets increased by R$3,788 million, or 18.7%, for the nine-month period ended September 30, 2023, compared to the same period
of 2022, mainly due to an increase in expected loss with loan and lease operations of R$3,272 million for the nine-month period ended
September 30, 2023, compared to the same period of 2022. This increase was mainly due to an increase in our credit portfolio and higher
provisions in the Retail Business in Brazil, a result of the increase in origination of unsecured consumer credit products. Additionally,
our provision for loan losses in the Wholesale business segment in Brazil was higher due to the normalization of the provision flow in
this segment, due to the reversal of provision as a result of the upgrade of the credit ratings of certain clients in the segment in 2022.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt">Please see &ldquo;Note
10 &mdash; Loan and Lease operations&rdquo; to our unaudited interim consolidated financial statements for further details on our loan
and lease operations portfolio.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 28.35pt"></TD><TD STYLE="width: 21.3pt"><FONT STYLE="font-family: Courier New, Courier, Monospace; font-size: 10pt">o</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>Non-performing loans:</B> We calculate
our 90-day non-performing loan, or NPL ratio, as the value of our 90-day non-performing loans to our loan portfolio. </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0 49.65pt; text-align: justify">As of September 30, 2023, our 90-day
NPL ratio was 3.5%, an increase of 40 basis points compared to September 30, 2022. This increase was due to the increase of 50 basis points
in the 90-day NPL ratio in respect of our individuals loan portfolio, which experienced higher delinquency rates, and to the increase
of 10 basis points in the NPL ratio of our companies loan portfolio. In the third quarter of 2023, we recorded sales of active portfolios
with no risk retention to non-related companies. From these sales, R$101 million refer to active loans that were more than 90 days overdue,
of which R$19 million from corporate segment in Brazil would still be an active loan portfolio at the end of the period if not sold. Additionally,
we sold R$388 million which refers to active portfolios non-overdue or with short delinquency. These sales did not have a material impact
on delinquency ratios.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0 49.65pt; text-align: justify">We calculate our 15 to 90 days non-performing
loan ratio as the value of our 15 to 90 days NPL to our loan portfolio. The 15 to 90 days NPL ratio is an indicator of early delinquency.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0 49.65pt; text-align: justify">As of September 30, 2023, our 15 to 90
days NPL ratio was 2.4%, an increase of 10 basis points when compared to September 30, 2022. During this period our 15 to 90-day NPL ratio
increased by 30 basis points in the 15 to 90-day NPL ratio of our individuals loan portfolio, which is returning to its pre-pandemic levels,
mainly due to higher delinquency rates. This was partially offset by a decrease of 10 basis points in the NPL ratio of our companies loan
portfolio, as of September 30, 2023 compared to September 30, 2022.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0 49.65pt">The chart below shows a comparison of both NPL ratios for
each quarter as of September 30, 2022, through September 30, 2023:</P>

<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 49.65pt; text-align: center">&nbsp;<IMG SRC="image_002.jpg" ALT=""></P>

<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 49.65pt; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 49.65pt; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt; line-height: 115%"></FONT></P>


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<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 49.65pt; text-align: center"><IMG SRC="image_003.jpg" ALT=""><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt; line-height: 115%"></FONT></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0 49.65pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0 49.65pt; text-align: justify"><B>Coverage ratio (90 days):</B> We calculate
our coverage ratio as provisions for expected losses to 90-day non-performing loans. As of September 30, 2023, our coverage ratio in accordance
with accounting practices adopted in Brazil applicable to institutions authorized to operate by the Central Bank, or BRGAAP, was 209%
compared to a ratio of 215% as of September 30, 2022. This decrease was mainly due to an increase in 90-day NPL, concentrated in the individuals
segment in Brazil and driven by the growth of our loan portfolio, especially in the Retail Business segment.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0 49.65pt; text-align: justify">The chart below shows a comparison in
the coverage ratios for each quarter as of September 30, 2022, through September 30, 2023:</P>

<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 6pt 0 0 49.65pt; text-align: center"><IMG SRC="image_004.jpg" ALT=""><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt; line-height: 115%"></FONT></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0 49.65pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify; text-indent: 28.35pt"><B>Other Operating Income
(Expenses)</B> increased by 10.1% to an expense of R$62,935 million for the nine-month period ended September 30, 2023, from an expense
of R$57,172 million for the same period of 2022. This increase was mainly due to the R$5,752 million, or 11.4%, increase in our general
and administrative expenses for the nine-month period ended September 30, 2023. This increase was due to: (i) the losses associated with
the sale of Banco Ita&uacute; Argentina; (ii) the effects of our annual collective wage agreement; (iii) the increase in profit sharing
expenses; (iv) higher expenses with data processing and telecommunications; and (v) higher expenses with depreciation and amortization.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify; text-indent: 28.35pt">Please see &ldquo;Note
23 &ndash; General and Administrative Expenses&rdquo; to our unaudited interim consolidated financial statements for further details.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify; text-indent: 28.35pt"><B>Current and deferred
income and social contribution taxes</B> amounted to an expense of R$4,685 million for the nine-month period ended September 30, 2023,
from an expense of R$5,956 million in the nine-month period ended September 30, 2022, mainly driven by the increase in the average annualized
long-term interest rate, or TJLP, from 6.64% in the nine-month period ended September 30, 2022 to 7.22% in the same period of 2023.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify; text-indent: 28.35pt">Please see &ldquo;Note
24 &ndash; Taxes&rdquo; to our unaudited interim consolidated financial statements for further details.</P>


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<P STYLE="font: 11pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>Basis for Presentation of Segment Information
</I></B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify; text-indent: 28.35pt">We maintain segment information
based on reports used by senior management to assess the financial performance of our businesses and to make decisions regarding the allocation
of funds for investment and other purposes.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify; text-indent: 28.35pt">Segment information is
not prepared in accordance with IFRS issued by the IASB but based on BRGAAP. It also includes the following adjustments: (i) the recognition
of the impact of capital allocation using a proprietary model; (ii) the use of funding and cost of capital at market prices, using certain
managerial criteria; (iii) the exclusion or inclusion of extraordinary items from our results; and (iv) managerial adjustments and reclassifications
applied to allow us to review our business analyses from the management point of view.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify; text-indent: 28.35pt">Extraordinary items correspond
to relevant events (with a positive or negative accounting effect) identified in our results of operations for each relevant period. We
apply a historically consistent methodology (approved by our governance procedures) pursuant to which relevant events are either not related
to our core operations or are related to previous fiscal years. The provisions for restructuring are extraordinary items and, as such,
do not impact the results and analysis regarding our segment information below.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify; text-indent: 28.35pt">For more information on
our segments, see &ldquo;Item 4. Information on the Company&rdquo; in our 2022 Form 20-F and &ldquo;Note 30 &ndash; Segment Information&rdquo;
to our unaudited interim consolidated financial statements.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify; text-indent: 28.35pt">The table below sets forth
the summarized results from our operating segments for the nine-month period ended September 30, 2023:</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 11pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: left; width: 41%"><FONT STYLE="font-family: Itau Display,sans-serif">Summarized
    Consolidated Statement of Income<BR>
    from January 1, 2023 to September 30, 2023<FONT STYLE="font-size: 11pt"><SUP>(1)</SUP></FONT></FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center; width: 10%"><FONT STYLE="font-family: Itau Display,sans-serif">Retail<BR>
    Business<BR>
    (a)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center; width: 8%"><FONT STYLE="font-family: Itau Display,sans-serif">Wholesale
    Business<BR>
    (b)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center; width: 12%"><FONT STYLE="font-family: Itau Display,sans-serif">Activities
    with the Market + Corporation<BR>
    (c)&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center; width: 9%"><FONT STYLE="font-family: Itau Display,sans-serif">Total<BR>
    (a)+(b)+(c)&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center; width: 10%"><FONT STYLE="font-family: Itau Display,sans-serif">Adjustments</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center; width: 10%"><FONT STYLE="font-family: Itau Display,sans-serif">IFRS
    consolidated<FONT STYLE="font-size: 11pt"><SUP>(2)</SUP></FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font: italic 10pt Itau Display Light; border-top: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions of R$)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Operating revenues</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;71,789</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;40,433</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">3,592</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;115,814</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;761</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;116,575</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Cost of Credit&nbsp;</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(24,550)</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">(3,242)</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;-&nbsp;</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">(27,792)</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;3,769</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">(24,023)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Claims</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(1,126)</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(14)</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;-&nbsp;</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(1,140)</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;1,140</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;-&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Other operating income (expenses)</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(33,572)</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(15,077)</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(1,254)</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">(49,903)</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(13,032)</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">(62,935)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Income tax and social contribution</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(3,011)</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(6,717)</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(509)</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(10,237)</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;5,552</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(4,685)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Non-controlling interest in subsidiaries</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(37)</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(503)</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;15</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(525)</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(75)</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(600)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Net income&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;9,493</FONT></TD>
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;14,880</FONT></TD>
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">1,844</FONT></TD>
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;26,217</FONT></TD>
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(1,885)</FONT></TD>
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;24,332</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="7" STYLE="font-size: 8pt; border-top: Black 1pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(1)
    The first three columns are our business segments. Additional information about each of our business segments can be found below
    under the headings &quot;(a) Retail Business&quot;, &quot;(b) Wholesale Business&quot; and &quot;(c) Activities with the Market +
    Corporation&quot;.<BR>
    The adjustments column includes the following pro forma adjustments: (i) the recognition of the impact of capital allocation using
    a proprietary model; (ii) the use of funding and cost of capital at market prices, using certain managerial criteria; (iii) the exclusion
    of non-recurring events from our results; and (iv) the reclassification of the tax effects from hedging transactions we enter into
    for our investments abroad.<BR>
    The IFRS consolidated column is the total result of our three segments plus adjustments. <BR>
    (2) 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.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">The following discussion should
be read in conjunction with our unaudited interim consolidated financial statements, especially &ldquo;Note 30 &ndash; Segment Information.&rdquo;
The adjustments column shown in this note shows the effects of the differences between the segmented results (substantially in accordance
with BRGAAP) and those calculated according to the principles adopted in our unaudited interim consolidated financial statements in IFRS
as issued by the IASB.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0pt 0 12pt; text-align: justify"><U>Nine-month period ended September 30, 2023,
compared to the nine-month period ended September 30, 2022:</U></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 28.35pt"></TD><TD STYLE="width: 14.2pt"><FONT STYLE="font-family: Itau Display,sans-serif"><B>(a)</B></FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif"><B>Retail Business</B></FONT></TD></TR></TABLE>


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<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0pt 0 12pt; text-align: justify; text-indent: 28.35pt">This segment consists
of business with retail customers, account holders and non-account holders, individuals and legal entities, high income clients (Ita&uacute;
Uniclass and Personnalit&eacute;) and the companies&rsquo; segment (microenterprises and small companies). It includes financing and credit
assignments made outside the branch network, in addition to credit cards and payroll loans.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">The following table sets forth
our summarized consolidated statement of income with respect to our Retail Business segment for the nine-month periods ended September
30, 2023, and 2022:</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Summarized
    Consolidated Statement of Income - Retail Business</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">For
    the nine-month period ended<BR>
    September 30,&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center; border-left-color: Black; border-left-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">Variation<BR></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">2023</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">2022</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">R$
    million</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">%</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: italic 8pt Itau Display Light; vertical-align: middle; border-top: Black 0.5pt solid; border-right: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions of R$)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left; width: 43%"><FONT STYLE="font-family: Itau Display,sans-serif">Operating revenues</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right; width: 18%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;71,789</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white; width: 16%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;66,871</FONT></TD>
    <TD STYLE="text-align: right; width: 13%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;4,918</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;7.4</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 27px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Interest margin</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;44,142</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;40,523</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;3,619</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;8.9</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 27px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Non-interest income <FONT STYLE="font-size: 10pt"><SUP>(1)</SUP></FONT></FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;27,647</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;26,348</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;1,299</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;4.9</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Cost of credit and claims</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(25,676)</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(22,996)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(2,681)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">11.7</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Other operating income (expenses)</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(33,572)</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(32,123)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(1,449)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;4.5</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Income tax and social contribution</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(3,011)</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">(3,601)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;591</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(16.4)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Non-controlling interest in subsidiaries</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(37)</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(12)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(24)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;196.8</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Net
    income</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;9,493</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;8,139</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;1,354</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">16.6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="font-size: 8pt; border-top: Black 1pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(1)
    Non-interest income include: commissions and banking fees; income from insurance and private pension operations before claim and
    selling expenses and other revenues.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt"><B><U>Net income</U></B> from
our Retail Business segment increased by 16.6%, to R$9,493 million for the nine-month period ended September 30, 2023, from R$8,139 million
for the same period of 2022. These results are explained as follows:</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>Operating revenues</B>: increased by R$4,918 million
for the nine-month period ended September 30, 2023, compared to the same period of 2022, due to an increase of 8.9% in interest margin,
due to a higher average credit volume. Moreover, non-interest income increased by 4.9% in the nine-month period ended September 30, 2023,
compared to the same period of 2022, driven by the increase in commissions and fees, as a result of the increase in acquiring revenues,
due to the higher transaction volume from credit and debit cards and higher gains from &ldquo;flex&rdquo; products offered as part of
our merchant services (advance payment of card receivables by the acquirer), and of the increase in card-issuing activities due to higher
gains from interchange fees, driven by the increase in the transaction volume from credit cards, partially offset by the increase in expenses
from reward programs. Revenues from insurance also increased, driven by the increase in earned premiums.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>Cost of credit and claims</B> increased by R$2,681
million for the nine-month period ended September 30, 2023, compared to the same period of 2022, due to an increase in provisions for
loan losses, driven by the increased origination in consumer credit and unsecured credit products.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>Other operating income (expenses)</B> increased
by R$1,449 million for the nine-month period ended September 30, 2023, compared to the same period of 2022, mainly due to higher personnel
expenses, as a result of our annual collective wage agreement and the higher profit-sharing expenses, and higher administrative expenses,
due to the increase in expenses with data processing and telecommunications, and depreciation and amortization.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>Income tax and social contribution </B>for the
Retail Business segment, as well as for the Wholesale Business segment and Activities with the Market + Corporation segment, is calculated
by adopting the full income tax rate, net of the tax effect of any payment of interest on capital. The difference between the income
tax amount determined for each business segment and the effective income tax amount, as stated in our unaudited interim consolidated
financial statements, is recorded under the Activities with the Market + Corporation segment. As discussed above under &ldquo;<FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt; line-height: 115%">Net
income attributable to owners of the parent company - Current and deferred income and social contribution taxes,&rdquo; our current and
deferred income and social contribution taxes decreased due to a tax benefit from interest on capital.</FONT></P>
<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"></P>


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<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0.25in 0 0; text-align: justify; text-indent: 24.5pt"><B>(b) Wholesale Business</B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0.25in 0 0; text-align: justify; text-indent: 24.5pt"><B></B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0pt 0 12pt; text-align: justify; text-indent: 24.5pt">This business segment
consists of products and services offered to middle-market companies, high net worth clients (Private Banking), and the operation of Latin
American units and Ita&uacute; BBA, which is the unit responsible for business with large companies and investment banking operations.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 24.5pt">The following table sets forth
our summarized consolidated statement of income with respect to our Wholesale Business segment for the nine-month periods ended September
30, 2023, and 2022:</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 24.5pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Summarized
    Consolidated Statement of Income - Wholesale Business</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">For
    the nine-month period ended<BR>
    September 30,&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; text-align: center; border-left-color: Black; border-left-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">Variation<BR></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">2023</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">2022</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">R$
    million</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">%</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: italic 8pt Itau Display Light; vertical-align: middle; border-right: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions of R$)</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left; width: 48%"><FONT STYLE="font-family: Itau Display,sans-serif">Operating revenues</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white; width: 14%"><FONT STYLE="font-family: Itau Display,sans-serif">40,433</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white; width: 18%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;35,809</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;4,624</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;12.9</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 27px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Interest margin</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">29,586</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;24,866</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;4,721</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;19.0</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 27px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Non-interest income <FONT STYLE="font-size: 10pt"><SUP>(1)</SUP></FONT></FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">10,847</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;10,943</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(96)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(0.9)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Cost of credit and claims</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(3,256)</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(636)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(2,620)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;412.2</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Other operating income (expenses)</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(15,077)</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">(14,219)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(857)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">6.0</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Income tax and social contribution</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(6,717)</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(7,102)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;386</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(5.4)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Non-controlling interest in subsidiaries</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(503)</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(664)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;162</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(24.4)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Net
    income</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">14,880</FONT></TD>
    <TD STYLE="font-weight: bold; border-right: Black 0.5pt solid; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;13,188</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;1,692</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;12.8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="font-size: 8pt; border-top: Black 1pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(1)
    Non-interest income include: commissions and banking fees; income from insurance and private pension operations before claim and
    selling expenses and other revenues.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify; text-indent: 28.35pt"><B><U>Net income</U></B>
from the Wholesale Business segment increased by 12.8%, to R$14,880 million for the nine-month period ended September 30, 2023 from R$13,188
million for the same period of 2022. These results are explained as follows:</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>Operating revenues</B>: increased by R$4,624 million,
or 12.9%, for the nine-month period ended September 30, 2023 compared to the same period of 2022, due to an increase of 19.0% in the
interest margin, driven by the higher margin of liabilities recorded during the period. The 0.9% decrease in non-interest income was
driven by lower volumes of economic advisory and brokerage services and lower gains from performance fees related to fund management
activities. As of September 30, 2023, we participated in 163 local fixed-income transactions, which included debentures and promissory
notes issuance, as well as securitization transactions, totaling R$47.4 billion, ranking first in volume and in number of operations
pursuant to a ranking published by the Brazilian Financial and Capital Markets Association (<I>Associa&ccedil;&atilde;o Brasileira das
Entidades dos Mercados Financeiro e de Capitais</I>, or ANBIMA). In the equity markets, we ranked first in number of operations, participating
in 27 operations (including Block Trades), and first in volume with R$8.5 billion, both in Dealogic&acute;s ranking, as of September
30, 2023. We also provided financial advisory services for twenty-eight M&amp;A transactions in Brazil, totaling R$18 billion. As of
September 30, 2023, we were ranked second place in number of M&amp;A deals and sixth place in volume in Dealogic&rsquo;s ranking.</P>
<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"></P>


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<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>Cost of credit and claims </B>increased by R$2,620
million for the nine-month period ended September 30, 2023 compared to the same period of 2022, due to the normalization in the provision
for loan losses in the Wholesale Business segment in Brazil.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>Other operating income (expenses)</B> increased
by R$857 million for the nine-month period ended September 30, 2023, compared to the same period of 2022, mainly due to the higher personnel
expenses as a result of the effects of the annual collective wage agreement, and the increase in administrative expenses due to higher
expenses with data processing and telecommunications, and depreciation and amortization.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify"><B>Income tax and social contribution</B> for
this business segment, as well as for the Retail Business and Activities with the Market + Corporation segments, is calculated by adopting
the full income tax rate, net of the tax effect of any payment of interest on capital. The difference between the income tax amount determined
for each segment and the effective income tax amount, as stated in our unaudited interim consolidated financial statements, is recorded
under the Activities with the Market + Corporation segment. As discussed above, our current and deferred income and social contribution
taxes decreased mainly due to a tax benefit from interest on capital.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0.25in 0 0; text-align: justify; text-indent: 24.5pt"><B>(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Activities
with the Market + Corporation </B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0pt 0 12pt; text-align: justify; text-indent: 24.5pt">This segment consists
of results from capital surplus, subordinated debt surplus and the net balance of tax credits and debits. It also includes the financial
margin on market trading, treasury operating costs, and equity in earnings of companies not included in either of the other segments.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 24.5pt">The following table sets forth
our summarized consolidated statement of income with respect to our Activities with the Market + Corporation segment for the nine-month
periods ended September 30, 2023, and 2022:</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 24.5pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Summarized
    Consolidated Statement of Income - Activities with the Market + Corporation</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">For
    the nine-month period ended<BR>
    September 30,&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: center; border-left-color: Black; border-left-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">Variation<BR></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">2023</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">2022</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">R$
    million</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">%</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: italic 8pt Itau Display Light; border-top: Black 0.5pt solid; border-right: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions of R$)</FONT></TD>
    <TD STYLE="font-size: 8pt; font-style: italic; border-left: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; font-style: italic"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left; width: 47%"><FONT STYLE="font-family: Itau Display,sans-serif">Operating revenues</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white; width: 17%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;3,592</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white; width: 16%"><FONT STYLE="font-family: Itau Display,sans-serif">2,172</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Itau Display,sans-serif">1,420</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;65.4</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 27px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Interest margin</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;3,236</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">2,198</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">1,039</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;47.3</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 27px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Non-interest income <FONT STYLE="font-size: 10pt"><SUP>(1)</SUP></FONT></FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;356</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(26)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">382</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(1,476.8)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Other operating income (expenses)</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">(1,254)</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(152)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(1,102)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">726.4</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Income tax and social contribution</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">(509)</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(31)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(478)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">1,531.8</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Non-controlling interest in subsidiaries</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">15</FONT></TD>
    <TD STYLE="border-right: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(198)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">213</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(107.5)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Net
    income</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;1,844</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">1,791</FONT></TD>
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; border-bottom: Black 1pt solid; border-left: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;53</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 1pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">2.9</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="font-size: 8pt; border-top: Black 1pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(1)
    Non-interest income include: commissions and banking fees; income from insurance and private pension operations before claim and
    selling expenses and other revenues.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify; text-indent: 21.3pt"><B><U>Net income</U></B>
from the Activities with the Market + Corporation segment increased by R$53 million, or 2.9%, for the nine-month period ended September
30, 2023, compared to the same period of 2022. We recorded an increase of R$1,102 million in other operating income (expenses), due to
the tax benefit received in the nine-month period ended September 30, 2022. This effect was partially offset by the increase of R$1,420
million in operating revenues.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify"><B>Income tax and social contribution</B> for
this segment, as well as for the Retail Business and Wholesale Business segments, is calculated by adopting the full income tax rate,
net of the tax effect of any payment of interest on capital. The difference between the income tax amount determined for each segment
and the effective income tax amount, as stated in our unaudited interim consolidated financial statements, is recorded under the Activities
with the Market + Corporation segment. As discussed above, our current and deferred income and social contribution taxes increased mainly
due to an increase in income before tax and social contribution.</P>
<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify"></P>


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<P STYLE="font: 11pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 11pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>Balance Sheet </I></B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 24.5pt">The table below sets forth
our summarized balance sheet as of September 30, 2023 and December 31, 2022. Please see our unaudited interim consolidated financial statements
for further details about our Consolidated Balance Sheet.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 24.5pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="3" ROWSPAN="3" STYLE="font-size: 11pt; font-weight: bold; border-top: Black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Summarized
    Balance Sheet - Assets</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: gray 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">As
    of&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; text-align: center; border-left-color: gray; border-left-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">Variation</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-left: gray 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">September
    30, 2023</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">December
    31, 2022</FONT></TD>
    <TD STYLE="font-weight: bold; border-left: gray 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">R$
    million</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">%</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-style: italic; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: italic 9pt Itau Display Light; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions of R$)</FONT></TD>
    <TD STYLE="font-size: 9pt; font-style: italic; vertical-align: bottom; border-top: Black 0.5pt solid; border-left: gray 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 9pt; font-style: italic; vertical-align: bottom; border-top: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Cash</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">33,672</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">35,381</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(1,709)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(4.8)</FONT></TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Financial assets at amortized cost&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;1,684,906</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;1,578,789</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;106,117</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">6.7</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; width: 1%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 1%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; width: 54%"><FONT STYLE="font-family: Itau Display,sans-serif">Compulsory deposits in the Central
    Bank of Brazil</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right; width: 13%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;146,139</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right; width: 13%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;115,748</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Itau Display,sans-serif">30,391</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; width: 9%"><FONT STYLE="font-family: Itau Display,sans-serif">26.3</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Interbank deposits, securities
    purchased under agreements to resell and securities at amortized cost</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;569,197</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;494,397</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">74,800</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">15.1</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-family: Itau Display,sans-serif">Loan and lease operations portfolio</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;905,804</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;909,422</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(3,618)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(0.4)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-family: Itau Display,sans-serif">Other financial assets</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;115,963</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;109,909</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;6,054</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">5.5</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-family: Itau Display,sans-serif">(-) Provision for Expected Loss&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(52,197)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(50,687)</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(1,510)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">3.0</FONT></TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Financial assets at fair value
    through other comprehensive income</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;140,422</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;126,748</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">13,674</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">10.8</FONT></TD></TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">Financial assets at fair value
    through profit or loss</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;524,734</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;464,682</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">60,052</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">12.9</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="3" STYLE="text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Insurance contracts, Investments in associates
    and join ventures, Fixed assets, Goodwill and Intangible assets and other assets</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">60,333</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">55,821</FONT></TD>
    <TD STYLE="border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;4,512</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">8.1</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="3"><FONT STYLE="font-family: Itau Display,sans-serif">Tax assets</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">65,050</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">59,645</FONT></TD>
    <TD STYLE="border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;5,405</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">9.1</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Total
    assets</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;2,509,117</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;2,321,066</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;188,051</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">8.1</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 6pt 0 0"></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0pt 0 12pt; text-align: justify"><U>September 30, 2023, compared to December
31, 2022.</U></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 12pt 0; text-align: justify; text-indent: 28.35pt"><B><U>Total assets</U></B>
increased by R$188,051 million, as of September 30, 2023, compared to December 31, 2022, mainly due to an increase in financial assets
at amortized cost and in financial assets at fair value through profit or loss. This result is further described below:&#9;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify; text-indent: 28.35pt"><B>Financial assets at
amortized cost</B> increased by R$106,117 million, or 6.7%, as of September 30, 2023, compared to December 31, 2022, mainly due to an
increase in interbank deposits, securities purchased under agreements to resell and securities at amortized cost, and compulsory deposits
in the Central Bank of Brazil.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt"><B>Interbank deposits,
securities purchased under agreements to resell, securities at amortized cost </B>increased by R$74,800 million, or 15.1%, as of September
30, 2023 compared to December 31, 2022, mainly due to an increase of (i) R$47,972 million in securities purchased under agreements to
resell securities; and (ii) R$40,489 million in securities, mainly in corporate securities, especially in rural product notes <I>(C&eacute;dula
do Produtor Rural)</I> and debentures.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 4.5pt 0 0; text-align: justify; text-indent: 28.35pt">Please see &ldquo;Note
4 - Interbank Deposits and Securities Purchased Under Agreements to Resell&rdquo;, &ldquo;Note 9 - Financial assets at amortized cost
&ndash; Securities&rdquo; to our unaudited interim consolidated financial statements for further details.&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 12pt; text-align: justify; text-indent: 28.35pt"><B>Loan and lease operations
portfolio</B> decreased by R$3,618 million, or 0.4%, as of September 30, 2023, compared to December 31, 2022, mainly due to the decreases
of (i) R$12,757 million in foreign loans &ndash; Latin America, mainly due to the impact of exchange variations, as well as the fact
that we only consolidated the results of Banco Ita&uacute; Argentina until July 2023; and (ii) R$1,903 million in our corporate portfolio.
The increase of R$9,823 million in our individuals loan portfolio, was due to increases of R$7,869 million in personal loans; and R$7,176
million in mortgage loans; which were partially offset by the decrease of R$6,947 million in credit cards, especially in installments
with interest.</P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Loan
    and Lease Operations, by asset type</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: gray 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">As
    of&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; text-align: center; border-left-color: gray; border-left-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">Variation</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-left: gray 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">September
    30, 2023</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">December
    31, 2022</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; border-left: gray 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">R$
    million</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">%</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: italic 8pt Itau Display Light; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions&nbsp;&nbsp;of R$)</FONT></TD>
    <TD STYLE="font-style: italic; border-left: gray 0.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-style: italic; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-right: white 1.5pt solid; width: 42%"><FONT STYLE="font-family: Itau Display,sans-serif">Individuals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 17%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;409,926</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 17%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;400,103</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right; width: 12%"><FONT STYLE="font-family: Itau Display,sans-serif">9,823</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 12%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;2.5</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 9px; vertical-align: bottom; border-right: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Credit
    card</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;128,908</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;135,855</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(6,947)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(5.1)</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 9px; vertical-align: bottom; border-right: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Personal
    loan</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">61,814</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">53,945</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">7,869</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;14.6</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 9px; vertical-align: bottom; border-right: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Payroll
    loans</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">74,161</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">73,633</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">528</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;0.7</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 9px; vertical-align: bottom; border-right: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Vehicles</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">32,803</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">31,606</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">1,197</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;3.8</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 9px; vertical-align: bottom; border-right: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Mortgage
    loans</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;112,240</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;105,064</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">7,176</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;6.8</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-right: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Corporate</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;137,365</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;139,268</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(1,903)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(1.4)</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-right: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Micro/Small
    and Medium Businesses</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;166,115</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;164,896</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">1,219</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;0.7</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-right: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Foreign Loans
    Latin America</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;192,398</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;205,155</FONT></TD>
    <TD STYLE="vertical-align: middle; border-left: gray 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;(12,757)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(6.2)</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Total
    Loan operations and lease operations portfolio</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;905,804</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: gray 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;909,422</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;(3,618)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">(0.4)</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0pt 0 12pt; text-align: justify; text-indent: 28.35pt">Please see &ldquo;Note
10 &ndash; Loan and Lease Operations&rdquo; to our unaudited interim consolidated financial statements for further details.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt">The table below sets forth
our summarized balance sheet &ndash; liabilities and stockholders&rsquo; equity as of September 30, 2023 and December 31, 2022. Please
see our unaudited interim consolidated financial statements for further details about our Consolidated Balance Sheet.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD COLSPAN="3" ROWSPAN="2" STYLE="border-top: Black 1pt solid; border-bottom: black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif"><B>Summarized Balance Sheet - Liabilities and Stockholders' Equity</B></FONT></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-top: Black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>As of </B></FONT></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; border-top: Black 1pt solid; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>Variation</B></FONT></TD>
    </TR>
  <TR>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>September 30, 2023</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>December 31, 2022</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>R$ million</B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>%</B></FONT></TD>
    </TR>
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 3.5pt; padding-left: 3.5pt; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 9pt"><I>(In millions of R$)</I></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    </TR>
  <TR>
    <TD COLSPAN="3" STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">Financial Liabilities</FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">1,975,442 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">1,836,690 </FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;138,752 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;7.6 </FONT></TD>
    </TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">At Amortized Cost </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">1,908,530 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">1,755,498 </FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;153,032 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;8.7 </FONT></TD>
    </TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 1%; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 1%; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 44%; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">Deposits</FONT></TD>
    <TD STYLE="width: 17%; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">932,284 </FONT></TD>
    <TD STYLE="width: 17%; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">871,438 </FONT></TD>
    <TD STYLE="white-space: nowrap; width: 10%; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">60,846 </FONT></TD>
    <TD STYLE="width: 9%; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;7.0 </FONT></TD>
    </TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">Securities sold under repurchase agreements</FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">357,682 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">293,440 </FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">64,242 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;21.9 </FONT></TD>
    </TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">Interbank market funds, Institutional market funds and other financial liabilities</FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">618,564 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">590,620 </FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">27,944 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;4.7 </FONT></TD>
    </TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">At Fair Value Through Profit or Loss</FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;62,977 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;77,508 </FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;(14,531)</FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">(18.7)</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-right: 3.5pt; padding-left: 3.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">Provision for Expected Loss </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;3,935 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;3,684 </FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;251 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;6.8 </FONT></TD>
    </TR>
  <TR>
    <TD COLSPAN="3" STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">Insurance contracts and private pension </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">258,651 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">233,126 </FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">25,525 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;10.9 </FONT></TD>
    </TR>
  <TR>
    <TD COLSPAN="3" STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">Provisions</FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;20,151 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;19,475 </FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;676 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;3.5 </FONT></TD>
    </TR>
  <TR>
    <TD COLSPAN="3" STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">Tax liabilities</FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;10,139 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;6,773 </FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;3,366 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;49.7 </FONT></TD>
    </TR>
  <TR>
    <TD COLSPAN="3" STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">Other liabilities</FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;52,060 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;47,895 </FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;4,165 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;&nbsp;8.7 </FONT></TD>
    </TR>
  <TR>
    <TD COLSPAN="3" STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>Total liabilities</B></FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>2,316,443 </B></FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>2,143,959 </B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>&nbsp;172,484 </B></FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>&nbsp;&nbsp;8.0 </B></FONT></TD>
    </TR>
  <TR>
    <TD COLSPAN="3" STYLE="padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>Total stockholders&rsquo; equity attributed to the owners of the parent company</B></FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>183,636 </B></FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>167,717 </B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>15,919 </B></FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>&nbsp;&nbsp;9.5 </B></FONT></TD>
    </TR>
  <TR>
    <TD COLSPAN="3" STYLE="white-space: nowrap; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">Non-controlling interests</FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;9,038 </FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;9,390 </FONT></TD>
    <TD STYLE="white-space: nowrap; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;(352)</FONT></TD>
    <TD STYLE="padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt">&nbsp;(3.7)</FONT></TD>
    </TR>
  <TR>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>Total stockholders&rsquo; equity</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>192,674 </B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>177,107 </B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>15,567 </B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>&nbsp;&nbsp;8.8 </B></FONT></TD>
    </TR>
  <TR>
    <TD COLSPAN="3" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>Total liabilities and stockholders' equity</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>2,509,117 </B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>2,321,066 </B></FONT></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; border-left: #A6A6A6 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>&nbsp;188,051 </B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-right: 3.5pt; padding-left: 3.5pt; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif; font-size: 10pt"><B>&nbsp;&nbsp;8.1 </B></FONT></TD>
    </TR>
  </TABLE>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>


<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify; text-indent: 28.35pt"><B><U>Total liabilities
and stockholders&rsquo; equity</U></B> increased by R$188,051 million, as of September 30, 2023, compared to December 31, 2022, mainly
due to an increase in financial liabilities at amortized cost. These results are detailed as follows:</P>


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<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt"><B>Deposits </B>increased
by R$60,846 million, or 7.0%, as of September 30, 2023, compared to December 31, 2022, mainly due to an increase of R$75,280 million in
time deposits, due to the commercial strategy to focus on this product in the Retail Business segment and higher demand for fixed income
products.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt">Please see &ldquo;Note
15 &ndash; Deposits&rdquo; to our unaudited interim consolidated financial statements for further details.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt"><B>Securities sold under
repurchase agreements </B>increased by R$64,242 million, or 21.9%, as of September 30, 2023 compared to December 31, 2022, mainly due
to an increase of R$48,395 million in government securities.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt">Please see &ldquo;Note
17 &ndash; Securities Sold Under Repurchase Agreements and Interbank and Institutional Market Funds&rdquo; to our unaudited interim consolidated
financial statements for further details.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt"><B>Interbank market funds,
institutional market funds and other financial liabilities </B>increased by R$27,944 million, or 4.7%, as of September 30, 2023 compared
to December 31, 2022, mainly due to increases of R$37,106 million in interbank market funds and $3,144 million in other financial liabilities,
offset by the decrease of R$12,306 million in institutional market funds.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt">Please see &ldquo;Note
17 &ndash; Securities Sold Under Repurchase Agreements and Interbank and Institutional Market Funds&rdquo; and &ldquo;Note 18 &ndash;
Other assets and liabilities&rdquo; to our unaudited interim consolidated financial statements for further details.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 6pt 0 0; text-align: justify; text-indent: 28.35pt"><B>Insurance contracts
and private pension </B>increased by R$25,525 million, or 10.9%, as of September 30, 2023 compared to December 31, 2022, mainly due to
the update of standard private pension contracts known as PGBL and VGBL.</P>

<P STYLE="font: 11pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 11pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>Capital Management</B></P>

<P STYLE="font: 11pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>Capital Adequacy</B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">Through our Internal Capital
Adequacy Assessment Process, or ICAAP, we assess the adequacy of our capital to face the risks to which we are subject. For ICAAP, capital
is composed of regulatory capital for credit, market and operational risks, and by the necessary capital to cover other risks.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">In order to ensure our capital
soundness and availability to support business growth, we maintain capital levels above the minimum requirements, according to the Common
Equity Tier I, Additional Tier I Capital, and Tier II minimum ratios.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">Our Total Capital, Tier I Capital
and Common Equity Tier I Capital ratios are calculated on a consolidated basis, applied to institutions included in our Prudential Conglomerate
which comprises not only financial institutions but also consortium administrators (<I>administradoras de cons&oacute;rcio</I>), payment
institutions, factoring companies or companies that directly or indirectly assume credit risk, and investment funds in which our Ita&uacute;
Unibanco Group retains substantially all risks and rewards.</P>


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<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: center; width: 67%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 15%"><FONT STYLE="font-family: Itau Display,sans-serif">As of September
    30,</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 18%"><FONT STYLE="font-family: Itau Display,sans-serif">As of December 31,</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 0.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2023</FONT></TD>
    <TD STYLE="border-bottom: Black 0.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2022</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-style: italic; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In R$ million,
    except percentages)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Itau Display,sans-serif">Available capital (amounts)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Common Equity Tier I (CET I)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">159,227</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">147,781</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Tier I</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">177,795</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">166,868</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Total capital</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">197,653</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">185,415</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Itau Display,sans-serif">Risk-weighted assets (amounts)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Total risk-weighted assets (RWA)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">1,214,849</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">1,238,582</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Itau Display,sans-serif">Risk-based capital ratios as a percentage of RWA</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Common Equity Tier I ratio (%)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">13.1%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">11.9%</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Tier I ratio (%)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">14.6%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">13.5%</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Total capital ratio (%)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">16.3%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">15.0%</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Itau Display,sans-serif">Additional CET I buffer requirements as a percentage
    of RWA</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 9px; vertical-align: top; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Capital conservation
    buffer requirement (%)&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2.50%</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2.50%</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Countercyclical buffer requirement
    (%) (1)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">-</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">-</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Bank G-SIB and/or D-SIB additional
    requirements (%)</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">1.00%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">1.00%</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-bottom: Black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Total
    of bank CET I specific buffer requirements (%)</FONT></TD>
    <TD STYLE="border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">3.50%</FONT></TD>
    <TD STYLE="border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">3.50%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font-size: 8pt; border-top: Black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(1)
    The countercyclical capital buffer is fixed by the Financial Stability Committee and currently is set to zero.<BR></FONT></TD></TR>
  </TABLE>

<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 28.35pt"></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">As of September 30, 2023, our Total
Capital reached R$197,653 million, an increase of R$12,238 million compared to December 31, 2022. Our Basel Ratio (calculated as the ratio
between our Total Capital and the total amount of Risk Weighted Assets, or RWA) reached 16.3%, an increase of 130 basis points due to
the results of the period and the reduction in risk-weighted assets due to the entry into force of Central Bank Resolution No. 229 and
the evolution of internal models.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">Additionally, the Fixed Asset Ratio
(<I>&Iacute;ndice de Imobiliza&ccedil;&atilde;o</I>) indicates the level of total capital committed to adjusted permanent assets. Ita&uacute;
Unibanco Holding is within the maximum limit of 50% of total adjusted capital, as established by the Central Bank. On September 30, 2023,
our Fixed Asset Ratio reached 20%, which represents a buffer of R$58,676 million.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; text-align: center"><IMG SRC="image_005.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.45pt"></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">Our Tier I ratio reached 14.6%, as
of September 30, 2023, an increase of 100 basis points compared to June 30, 2023, due to the result of the period, the reduction in risk-weighted
assets due to the entry into force of Central Bank Resolution No. 229 and evolution of internal models.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 0.75in">Please see &ldquo;Note 32 &ndash; Risk
and Capital Management&rdquo; of our unaudited interim consolidated financial statements for further details about regulatory capital.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify">Liquidity Ratios</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify; text-indent: 35.45pt">The Basel III Framework introduced
global liquidity standards, providing for minimum liquidity requirements and aims to ensure that banks can rely on their own sources
of liquidity, leaving central banks as a lender of last resort. Basel III provides for two liquidity ratios to ensure that financial
institutions have sufficient liquidity to meet their short-term and long-term obligations: (i) the liquidity coverage ratio, or LCR,
and (ii) the net stable funding ratio, or NSFR.</P>
<P STYLE="font: 10pt Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify; text-indent: 35.45pt"></P>


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<P STYLE="font: 10pt Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify; text-indent: 35.45pt">We believe that the LCR and
NSFR provide more relevant information than an analysis of summarized cash flows.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify; text-indent: 35.45pt">We present below a discussion
of our LCR for the average of the three-month period ended on September 30, 2023, and NSFR as of September 30, 2023.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B>Liquidity Coverage Ratio</B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">The LCR measures the short-term resistance
of a bank&rsquo;s liquidity risk profile. It is the ratio of the stock of high-quality liquid assets to expected net cash outflows over
the next 30 days, assuming a scenario of idiosyncratic or systemic liquidity stress.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">We calculate our LCR according to
the methodology established in Central Bank Circular No. 3,749/2015. We measure our total high liquidity assets for the end of each period
to cash outflows and inflows as the daily average value for each period. Pursuant to Central Bank regulations, effective as of January
1, 2019, the minimum LCR is 100%.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Three-month
    period ended,</FONT></TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: left; width: 46%"><FONT STYLE="font-family: Itau Display,sans-serif">Liquidity
    Coverage Ratio</FONT></TD>
    <TD STYLE="font-weight: bold; border-left: white 1.5pt solid; text-align: center; width: 27%"><FONT STYLE="font-family: Itau Display,sans-serif">September
    30, 2023</FONT></TD>
    <TD STYLE="font-weight: bold; border-left: white 1.5pt solid; text-align: center; width: 27%"><FONT STYLE="font-family: Itau Display,sans-serif">December
    31,2022</FONT></TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Total Weighted Value
    (average)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 8pt; font-style: italic; border-top: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions of R$)</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="vertical-align: middle; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Total High Liquidity Assets
    (HQLA)<FONT STYLE="font-size: 10pt"><SUP>1</SUP></FONT></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">368,698</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">325,269</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-family: Itau Display,sans-serif">Cash Outflows<FONT STYLE="font-size: 10pt"><SUP>2</SUP></FONT></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">371,906</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">361,902</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-family: Itau Display,sans-serif">Cash Inflows<FONT STYLE="font-size: 10pt"><SUP>3</SUP></FONT></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">175,560</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">164,104</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="vertical-align: middle"><FONT STYLE="font-family: Itau Display,sans-serif">Total Net Cash Outflows</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">196,347</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">197,798</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">LCR%</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">187.8%</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">164.4%</FONT></TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="3" STYLE="font-size: 8pt; border-top: Black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(1)
    High Quality Liquidity Assets correspond to inventories, in some cases weighted by a discount factor, of assets that remain liquid
    in the market even in periods of stress, that can easily be converted into cash and that are classified as low risk.</FONT></TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="3" STYLE="font-size: 8pt; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(2) Outflows &mdash;
    total potential cash outflows for a 30-day horizon, calculated for a standard stress scenario as defined by BACEN Circular 3,749.</FONT></TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="3" STYLE="font-size: 8pt; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(3) Inflows &mdash; total
    potential cash inflows for a 30-day horizon, calculated for a standard stress scenario as defined by BACEN Circular 3,749.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 35.45pt"></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">Our average LCR as of September
30, 2023 was 187.8% and, accordingly, above Central Bank requirements.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt"><B><I>Net Stable Funding Ratio</I></B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 28.35pt"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">The NSFR measures long-term liquidity
risk. It is the ratio of available stable funding to required stable funding over a one-year time period, assuming a stressed scenario.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">We calculate our NSFR according to
the methodology established in Central Bank Circular No. 3,869/2017. The NSFR corresponds to the ratio of our available stable funds for
the end of each period (<I>recursos est&aacute;veis dispon&iacute;veis</I>, or ASF) to our required stable funds for the end of each period
(<I>recursos est&aacute;veis requeridos</I>, or RSF).</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-indent: 35.45pt">Pursuant to Central Bank regulations, effective as of October
1, 2018, the minimum NSFR is 100%.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-indent: 35.45pt">&nbsp;</P>


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<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 35.45pt">&nbsp;</P>



<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 35.45pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 48%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: center; width: 26%"><FONT STYLE="font-family: Itau Display,sans-serif">As
    of September 30,</FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: Black 0.5pt solid; text-align: center; width: 26%"><FONT STYLE="font-family: Itau Display,sans-serif">As
    of December 31,</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Net
    Stable Funding Ratio</FONT></TD>
    <TD STYLE="font-weight: bold; border-left: white 1.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">2023</FONT></TD>
    <TD STYLE="font-weight: bold; border-left: white 1.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">2022</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">Total
    Ajusted Value</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 9pt; font-style: italic; border-top: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions of R$)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Total Available Stable Funding (ASF)&sup1;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">1,223,998</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">1,151,750</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Itau Display,sans-serif">Total Required Stable Funding (RSF)&sup2;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">961,883</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">922,395</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">NSFR
    (%)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">127.3%</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">124.9%</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="3" STYLE="font-size: 8pt; border-top: Black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(1)&nbsp;&nbsp;ASF
    &ndash; Available Stable Funding &ndash; refers to liabilities and equity weighted by a discount factor according to their stability,
    pursuant to Central Bank Circular 3,869/2017.</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="3" STYLE="font-size: 8pt; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(2) RSF &ndash; Required
    Stable Funding &ndash; refers to assets and off-balance exposures weighted by a discount factor to their necessity, pursuant to Central
    Bank Circular 3,869/2017.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 35.45pt"></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: center; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 35.45pt">As of September 30, 2023, our
ASF totaled R$1,224 billion, mainly due to capital and Retail Business and Wholesale Business funding, and our RSF totaled R$962 billion,
particularly due to loans and financings with Wholesale Business and Retail Business customers, central governments and transactions with
central banks.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 35.45pt">As of September 30, 2023, our
NSFR was 127.3% and, accordingly, above Central Bank requirements.</P>

<P STYLE="font: bold 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify">Liquidity and Capital Resources</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">We define our consolidated group
operational liquidity reserve as the total amount of assets that can be rapidly turned into cash, based on local market practices and
legal restrictions. The operational liquidity reserve generally includes: (i) cash and deposits on demand, (ii) funded positions of securities
purchased under agreements to resell and (iii) unencumbered government securities.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">The following table presents
our operational liquidity reserve as of September 30, 2023 and 2022:</P>

<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 28.35pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Operational
    Liquidity Reserve</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; text-align: center; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">As
    of September 30,</FONT></TD>
    <TD ROWSPAN="2" STYLE="font-size: 9pt; font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: black 0.5pt solid; border-left: white 1.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2023
    Average Balance<FONT STYLE="font-size: 9pt"><SUP>(1)</SUP></FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2023</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2022</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-style: italic; vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions of R$)</FONT></TD>
    <TD STYLE="font-style: italic; vertical-align: bottom; border-right: white 1.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: justify; width: 62%"><FONT STYLE="font-family: Itau Display,sans-serif">Cash</FONT></TD>
    <TD STYLE="text-align: right; width: 13%"><FONT STYLE="font-family: Itau Display,sans-serif">33,672</FONT></TD>
    <TD STYLE="text-align: right; width: 13%"><FONT STYLE="font-family: Itau Display,sans-serif">35,402</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right; width: 12%"><FONT STYLE="font-family: Itau Display,sans-serif">33,620</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Securities purchased under agreements to resell
    &ndash; Funded position <FONT STYLE="font-size: 10pt"><SUP>(2)</SUP></FONT></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">74,290</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">62,450</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">58,428</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Unencumbered government securities <FONT STYLE="font-size: 10pt"><SUP>(3)</SUP></FONT></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">155,174</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">180,386</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">182,440</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">Operational
    reserve</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">263,136</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">278,238</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">274,488</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-size: 8pt; border-top: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">(1) Average calculated
    based on unaudited interim financial statements.</FONT></TD>
    <TD STYLE="font-size: 8pt; border-top: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; border-top: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 8pt; border-top: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="font-size: 8pt; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(2) Net of R$8.783 (R$8,178
    at 09/30/2022), which securities are restricted to guarantee transactions at B3 S.A.&mdash;Brasil, Bolsa Balc&atilde;o (B3) and the
    Central Bank.</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="font-size: 8pt; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">(3) Present values are
    included as a result of the change in the reporting of future flows of assets that are now reported as future value as of September
    2016.</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify; text-indent: 35.45pt">Our main sources of funding
are interest-bearing deposits, deposits received under repurchase agreements, on lending from government financial institutions, lines
of credit with foreign banks and the issuance of securities abroad.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 12pt 0 0; text-align: justify; text-indent: 35.45pt">Please see &ldquo;Note
15 &ndash; Deposits&rdquo; to our unaudited interim consolidated financial statements for further details about funding.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>




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<P STYLE="font: 11pt/115% Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>
<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>Capital Expenditures</B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>
<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">In accordance with our practice in
the last few years, our capital expenditures in the nine-month period ended September 30, 2023, were funded with internal resources. We
cannot provide assurance that we will make capital expenditures in the future and, if made, that the amounts will correspond to the current
estimates. The table below presents our capital expenditures for the nine-month period ended September 30, 2023, and for the year ended
December 31, 2022:</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; font-size: 11pt; font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; width: 60%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left-color: white; border-left-width: 1.5pt; width: 22%"><FONT STYLE="font-family: Itau Display,sans-serif">Nine-month
    period ended</FONT></TD>
    <TD STYLE="border-top: Black 0.5pt solid; font-weight: bold; border-bottom: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: center; width: 18%"><FONT STYLE="font-family: Itau Display,sans-serif">For
    the year ended</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Capital
    Expenditures</FONT></TD>
    <TD STYLE="border-bottom: Black 0.5pt solid; font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">September
    30, 2023</FONT></TD>
    <TD STYLE="border-bottom: Black 0.5pt solid; font-weight: bold; border-left: white 1.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">December
    31, 2022</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-size: 9pt; font-style: italic; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions of R$, except percentages)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Itau Display,sans-serif">Fixed Assets</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">1,681</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">2,727</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Itau Display,sans-serif">Fixed assets under construction</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">872</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">905</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Itau Display,sans-serif">Land and buildings</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">3</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">8</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Itau Display,sans-serif">Improvements</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">48</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">56</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Itau Display,sans-serif">Installations, furniture and data processing equipment</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">732</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">1,710</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Itau Display,sans-serif">Other</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">26</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">48</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Itau Display,sans-serif">Intangible Assets</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">4,075</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">5,768</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Itau Display,sans-serif">Goodwill</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">603</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; font-size: 11pt; border-left: white 1.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">-</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Itau Display,sans-serif">Software acquired or internally developed</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">3,043</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">4,727</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Itau Display,sans-serif">Other intangibles</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">429</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">1,041</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Total</FONT></TD>
    <TD STYLE="border-top: Black 0.5pt solid; font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">5,756</FONT></TD>
    <TD STYLE="border-top: Black 0.5pt solid; font-weight: bold; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">8,495</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center; text-indent: 0in"></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 35.45pt">Please see &ldquo;Note
13 &ndash; Fixed Assets&rdquo; and &ldquo;Note 14 &ndash; Goodwill and Intangible Assets&rdquo; to our unaudited interim consolidated
financial statements for details about our capital expenditures.</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 28.35pt"><B>Capitalization</B></P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 35.45pt">The table below presents
our capitalization as of September 30, 2023. The information described is derived from our unaudited interim consolidated financial statements
as of and for the nine-month period ended September 30, 2023. As of the date of this Form 6-K, there has been no material change in our
capitalization since September 30, 2023.</P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Itau Display">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: black 0.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Capitalization</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">For
    the nine-month period ended September 30, 2023</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: center; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;R$</FONT></TD>
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; border-bottom: Black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">US$
    <FONT STYLE="font-size: 10pt"><SUP>(1)</SUP></FONT></FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: White 1.5pt solid; font-size: 8pt; font-style: italic; vertical-align: bottom; border-left: White 1.5pt solid; text-align: center"><FONT STYLE="font-family: Itau Display,sans-serif">(In
    millions, except percentages)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; border-left: white 1.5pt solid; width: 67%"><FONT STYLE="font-family: Itau Display,sans-serif">Current
    liabilities</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white; width: 16%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; text-align: right; width: 17%"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Deposits</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;489,901</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;97,831</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Securities
    sold under repurchase agreements</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;312,894</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;62,484</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Structured
    notes</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;2</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">0</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Derivatives</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">28,395</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">5,670</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Interbank
    market funds</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;176,648</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;35,276</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Institutional
    market funds</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">10,594</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">2,116</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Other
    financial liabilities</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;166,226</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;33,195</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">lnsurance
    contracts and private pension&nbsp;</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;487</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;97</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Provisions</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;6,880</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">1,374</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Tax
    liabilities</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;5,305</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">1,059</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Other
    Non-financial liabilities</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">46,947</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">9,375</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: Black 0.5pt solid; border-left: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Total</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;1,244,279</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">248,478</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; border-left: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Long-term
    liabilities</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Deposits</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;442,383</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;88,342</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Securities
    sold under repurchase agreements</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">44,788</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">8,944</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Structured
    notes</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">96</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;19</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Derivatives</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">33,765</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">6,743</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Interbank
    market funds</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;155,045</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;30,962</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Institutional
    market funds</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;106,482</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;21,264</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Other
    financial liabilities</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;4,288</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">856</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">lnsurance
    contracts and private pension&nbsp;</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;258,164</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;51,554</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Provision
    for Expected Loss</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;3,935</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">786</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Provisions</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">13,271</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">2,650</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Tax
    liabilities</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;4,357</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">870</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 9px; border-right: white 1.5pt solid; border-left: white 1.5pt solid; text-align: left"><FONT STYLE="font-family: Itau Display,sans-serif">Other
    Non-financial liabilities</FONT></TD>
    <TD STYLE="text-align: right; border-left-color: white; border-left-width: 1.5pt; background-color: white"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;5,113</FONT></TD>
    <TD STYLE="border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">1,021</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: Black 0.5pt solid; border-left: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Total</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;1,071,687</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">214,012</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; border-left: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Income
    tax and social contribution - deferred</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">477</FONT></TD>
    <TD STYLE="font-weight: bold; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;&nbsp;95</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; border-left: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Non-controlling
    interests</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">9,038</FONT></TD>
    <TD STYLE="font-weight: bold; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">1,805</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; border-left: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Stockholders&rsquo;
    equity attributed to the owners of the parent company <FONT STYLE="font-size: 10pt"><SUP>(2)</SUP></FONT></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">183,636</FONT></TD>
    <TD STYLE="font-weight: bold; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;36,671</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-right: white 1.5pt solid; border-bottom: Black 0.5pt solid; border-left: white 1.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">Total
    capitalization <FONT STYLE="font-size: 10pt"><SUP>(3)</SUP></FONT></FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; text-align: right; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">2,509,117</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: Black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: white 1.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">501,062</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-right: white 1.5pt solid; border-bottom: Black 0.5pt solid; border-left: white 1.5pt solid; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">BIS
    ratio <FONT STYLE="font-size: 10pt"><SUP>(4)</SUP></FONT></FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: Black 0.5pt solid; text-align: right; border-top-color: Black; border-top-width: 0.5pt; border-left-color: white; border-left-width: 1.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">16.3%</FONT></TD>
    <TD STYLE="border-right: white 1.5pt solid; border-bottom: Black 0.5pt solid; border-top-color: Black; border-top-width: 0.5pt"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 8pt; border-top: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">(1) Convenience translation
    at&nbsp;&nbsp;5.0076 reais per U.S. dollar, the exchange rate in effect on September 30, 2023.</FONT></TD>
    <TD STYLE="font-size: 8pt; border-top: Black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD>
    <TD STYLE="color: white; font-size: 8pt; border-top: Black 0.5pt solid"><FONT STYLE="font-family: Itau Display,sans-serif">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font-size: 8pt; text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">(2) Ita&uacute; Unibanco
    Holding&rsquo;s authorized and outstanding share capital consists of 4,958,290,359 common shares and 4,844,589,344 preferred shares,
    all of which are fully paid. For more information regarding our share capital see Note&nbsp;19 to our unaudited consolidated financial
    statements as of and for the period ended September 30, 2023.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font-size: 8pt; text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">(3) Total capitalization
    corresponds to the sum of total current liabilities, long-term liabilities, deferred income, minority interest in subsidiaries and
    stockholders&rsquo; equity.&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font-size: 8pt; text-align: justify"><FONT STYLE="font-family: Itau Display,sans-serif">(4) Calculated by
    dividing total regulatory capital by risk weight assets.</FONT></TD></TR>
  </TABLE>
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<P STYLE="font: bold 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt/115% Itau Display,sans-serif; margin: 0 0 12pt; text-align: justify">Off-Balance Sheet Arrangements</P>

<P STYLE="font: 10pt/115% Itau Display,sans-serif; margin: 0 0 10pt; text-align: justify; text-indent: 35.45pt">We do not have any off-balance
sheet arrangements, other than the guarantees, financial guarantees, commitments to be released, letters of credit to be released and
contractual commitments that are described in &ldquo;Note 13 &ndash; Fixed assets,&rdquo; &ldquo;Note 14 &ndash; Goodwill and Intangible
assets,&rdquo; &ldquo;Note 32 &ndash; Risk and Capital Management, I.I &ndash; Collateral and policies for mitigating credit risk&rdquo;
and &ldquo;Note 32 &ndash; Risk and Capital Management &ndash; I.IV &ndash; Maximum Exposure of Financial Assets to Credit Risk&rdquo;
to our unaudited interim consolidated financial statements.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 12pt; text-indent: 1in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center">REGULATORY RECENT DEVELOPMENTS</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">We are subject to the regulation and
supervision of various regulatory entities in the segments we operate. The supervision of these entities is essential to the structure
of our business and directly impacts our growth strategies. Our 2022 Form 20-F contains disclosure of the regulations and supervision
of various regulatory entities to which we are subject in &ldquo;Item 4B. Business Overview - Supervision and Regulation.&rdquo;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">We describe below the material regulatory
developments applicable to us that took place during the nine-month period ended September 30, 2023 and through the date of this Form
6-K.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt/106% Itau Display,sans-serif; margin: 0 0 8pt; text-align: justify"><B><I>Instant Payments</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">The Central Bank implemented an instant
payment ecosystem in November 2020. The settlement of the system is centralized at the Central Bank. In addition to increasing the speed
at which payments or transfers are made and received, available 24 hours a day, seven days a week, all days of the year, the ecosystem
increased market competitiveness and efficiency; lowered costs; and enhanced customer experience.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">Central Bank Resolution No. 1/20,
or the PIX Regulation, came into effect on September 1st, 2020, and established the Instant Payment Arrangement, or PIX System, payment
scheme, and approved its regulation.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On February 17, 2023, the Central
Bank published Resolution No. 293, which establishes additional rules for partnerships and outsourcing arrangements established within
the PIX System by market participants, previously defined in Central Bank Resolution No. 269, which defines, among other things, &ldquo;partnerships&rdquo;
within the PIX scheme as a commercial relationship between two or more institutions directly participating in the PIX scheme and &ldquo;outsourcing&rdquo;
as a relationship between a participating institution and a non-participating private agent. Central Bank Resolution No. 269 also explicitly
prohibits PIX related outsourcing arrangements in two cases: (i) when the third party offers transactional accounts; and (ii) when the
third party does not hold a transactional account but initiates payment transactions through an account provided by a participating institution.
The first type of outsourcing is expressly forbidden because the agent that holds a transactional account and wishes to offer PIX to its
customers must necessarily be a PIX participant itself.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">We are not part of any partnership
scheme, nor do we outsource PIX System activities, but these changes increase market competitivity.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On September 26, the Central Bank
issued Resolution No. 342, which came into effect on September 28, 2023, and enhances rules mostly related to PIX System safety incidents,
mainly referring to communication to data subjects when any incidents involving personal data occur, as well as the framework penalties
the institution participating in the PIX System are subject to in cases of non-compliance with technical and regulatory safety requirements.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt/106% Itau Display,sans-serif; margin: 0 0 8pt; text-align: justify"><B><I>Open Finance</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">The Brazilian open finance comprises
financial institutions, payment institutions and other Central Bank-licensed entities by making it possible to share, in a phased-in approach
and through a secure, prompt, accurate and convenient manner, data on products and services, customer record data and customer transaction
data upon customer&rsquo;s authorization, via integration of information systems. Open finance also covers the provision of initiation
payment services and forwarding loan proposals through digital correspondent agents.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On February 27, 2023, the Central
Bank issued Resolution No. 294, which came into effect on April 1, 2023, establishing, among other things, technical requirements, and
operational procedures for the Open Finance implementation in Brazil. The main change introduced by this rule is related to the scope
of the monitoring function assigned to the governance structure responsible for implementing Open Finance.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On October 26, 2023, the Central Bank
issued Joint Resolution No. 7, which came into effect on October 30, 2023, and simplifies the process of renewing consents for data sharing
in Open Finance. In order to ease the process for clients, the new rule allows participating institutions, such as us, to offer longer
terms than the current 12-month limit for data sharing, while maintaining the provision allowing clients to revoke their consent at any
time.</P>


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<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/106% Itau Display,sans-serif; margin: 0 0 8pt; text-align: justify"><B><I>Foreign Exchange Transactions and Exposure</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On October 17, 2023, the Central Bank
issued Resolution No. 348, that came into effect on November 1, 2023. This rule amends prior rules, provides, among other matters, that
the execution of simultaneous foreign exchange transactions will no longer be required for foreign direct investments and granting of
loans to foreign investors when there is no actual flow of funds involved in the underlying transaction, subject to other conditions as
provided in Resolution No. 348. Foreign exchange transactions must still be followed in investments performed by non-resident investors
in the Brazilian capital and finance markets.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>Implementation of Basel III in Brazil </I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On March 16, 2023, the Central Bank
issued Resolution No. 303, that came into effect on July 1, 2023, which provides for changes in the calculation of the capital requirement
related to credit risk exposures calculated through the internal ratings-based, or IRB, approach (RWACIRB). Resolution No. 303 introduces
limits for some parameters, reduces the set of portfolios eligible to the IRB approaches and introduces several improvements to the applicable
prudential regulation, including flexibility in the application process for the use of the IRB approaches, which now allows partial adoption
by the institution, for specific portfolios. While the rule is applicable to financial institutions classified in segments S1, such as
us, and S2, according to classifications issued by the Central Bank for the purposes of the proportional application of prudential regulation
according to systemic risk, as of the date of this report, none of the institutions included in these segments, including us, uses IRB
approaches, since adoption is optional and subject to prior approval by the Central Bank.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>Pillar 3 Report</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On March 23, 2023, the Central Bank
issued Resolution No. 306, that alters several prudential rules to include in their scope of application regulatory conglomerates (<I>conglomerados
prudenciais</I>) led by payment institutions. Among other changes, two new topic sections were included in the Pillar 3 report. The first
deals with the comparison between the RWA amounts calculated through the standard approach and through the IRB approaches, and the second
with the disclosure of information related to assets subject to any impediment or restriction of negotiation due to a legal, regulatory,
statutory or contractual aspect.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/106% Itau Display,sans-serif; margin: 0 0 8pt; text-align: justify"><B><I>New Rules on Accounting Standards</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On March 28, 2023, the Central Bank
issued Resolution No. 309, establishing, among other things, accounting procedures to (i) define the components of financial instruments
which constitute payments of principal and interest on the principal value for the purposes of classification of financial assets; (ii)
define the methodology for determining the effective interest rate of financial instruments; (iii) establish parameters to measure the
expected loss associated with credit risk, including for setting minimum levels of allowance for expected losses associated with credit
risk; and (iv) detail the information on financial instruments to be disclosed in explanatory notes. Resolution No. 309 will enter into
effect on January 1, 2025, and it is in line with international pronouncement &ldquo;IFRS 9 &ndash; Financial Instruments&rdquo; issued
by the IASB, applying to the individual statements of financial institutions operating in Brazil.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On October 20, 2023, the CVM issued
Resolution No. 193, which came into effect on November 1, 2023 and establishes that publicly listed companies in Brazil (such as us),
investment funds and securitization companies must prepare and disclose, subject to certain requirements, financial information reports
related to sustainability and climate in accordance with international standards (IFRS S1 and IFRS S2) issued by the International Sustainability
Standards Board, or ISSB. The compliance with such standards will become mandatory as of the fiscal years beginning on January 1, 2026.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>New Regulatory Regime Applicable to Credit Derivatives</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On April 20, 2023, the National Monetary
Council, or CMN, issued Resolution No. 5,070, which entered into effect on June 1, 2023 and overhauled the rules governing the performance
of credit derivative operations by financial institutions and other institutions authorized to operate by the Central Bank. The regulation
considers two types of credit derivative: the credit default swap, or CDS, and the total return swap, or TRS. Among other matters, the
regulation adjusts certain terms in line with the standards proposed by the International Swaps and Derivatives Association, or ISDA;
updates the list of institutions able to act as a counterparty receiving credit risk in transactions carried out with financial institutions;
enables the possibility to specify credit indices, asset indices, baskets or reference portfolios as reference entities and obligations
of the credit derivatives; permits the performance of credit derivatives with financial flows denominated or referenced in currency or
price indices other than those denominating or indexing the reference obligation; permits for credit derivatives to have reference obligations
of lower liquidity, as long as their pricing methodology complies with the rules contained in the regulatory framework applicable to
derivatives; the expansion of the list of institutions able to act as suppliers of quoted values for the reference obligations, including
regulatory or self-regulatory entities and international trading platforms; and the flexibilization of the requirement for maintaining
ownership of the reference obligation by the counterparty transferring the risk, which will now be mandatory only in cases where the
reference obligation is one or more credit or leasing transactions.</P>
<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt"></P>


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<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>Fraud Prevention</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">The CMN and the Central Bank issued
the Joint Resolution No. 6 and Resolution No. 343, which establish the obligation for financial institutions and other entities authorized
by the Central Bank to share among each other information about frauds occurred within the National Financial System (<I>Sistema Financeiro
Nacional</I>, or SFN), and Brazilian Payment System (<I>Sistema de Pagamentos Brasileiro,</I> or SPB), subject to the client&rsquo;s prior
contractual consent. The rule aims at reducing the asymmetry of data and information faced by these institutions to support procedures
and controls in their fraud prevention processes, as well as improve their practices. Both resolutions entered into effect on November
1, 2023.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>Changes to Risk Management Requirements</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On June 29, 2023, the CMN issued Resolution
No. 5,089, which amends prior regulation and introduces changes to risk management requirements applicable to financial institutions,
such as us. Previously, country and transfer risks were included in the definition of credit risk. Pursuant to the new rule, they will
now be considered autonomous risks. Under the new rule, country risk is defined as the possibility of losses associated or incurred due
to events related to foreign jurisdictions, which includes sovereign risk, in the case of exposure to the central government of a foreign
jurisdiction; and indirect country risk, in case of an event related to a foreign jurisdiction other than the one where the counterparty
or the issuer of the risk mitigating instrument is located, associated with the exposure assumed by the applicable financial conglomerate,
when the counterparty or the issuer may be significantly impacted by the respective event.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">Transfer risk is now defined as the
possibility of occurrence of obstacles in the currency conversion of the funds required for the settlement of obligations towards the
financial conglomerate if these funds are held in a jurisdiction other than that where the respective settlement will take place.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">The amendments introduced by Resolution
No. 5,089 will enter into effect on January 1, 2024.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>Limitations on Interest Rates Charged on Revolving
Credit Charged in Connection with The Financing of Credit Card and Other Post-Paid Instrument Invoices</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On October 3, 2023, the President
of Brazil sanctioned Law No. 14,690, which introduces limitations to the interest rates charged on revolving credit charged in connection
with the financing of credit card and other post-paid instrument invoices and ratifies the emergency program for renegotiation of debts
of individuals in default depending on the category the debtor is, which in turn depends on the size of the debtor&rsquo;s debt (<I>Desenrola
Brasil</I>). This law establishes limitations with respect to interest limits and financial fees charged over the financing of the outstanding
balance of credit card and other post-paid instrument invoices for credit card issuers such as us, which under the law are to be defined
in self-regulations to be presented by issuers and approved by the Central Bank in up to 90 days as of the publication of the law, as
well as other measures to prevent debtor default. In case the self-regulations are not approved in this period, Law No. 14,690 establishes
that interest and other financial fees charged over the financing of the outstanding balance of credit card and other post-paid instrument
invoices may not exceed the principal amount of the financed debt.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><U>Other Recent Developments</U></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>Central Bank establishes guidelines for acceptance
of Bank Credit Certificates as collateral for the issuance of Financial Liquidity Lines </I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On March 3, 2023, the Central Bank
defined basic guidelines for the acceptance of Bank Credit Certificates (<I>C&eacute;dulas de Cr&eacute;dito Banc&aacute;rio</I>, or CCBs)
as eligible collateral in the context of the issuance of Financial Liquidity Lines (<I>Linhas Financeiras de Liquidez,</I> or LFL) by
the Central Bank, which aims at directing and coordinating the market for the developments necessary for effective operation as of the
first quarter of 2024. In summary, book-entry and notarial CCBs deposited in Central Depositaries of financial assets will be eligible
as collateral for LFLs.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">The LFL were established by the Central
Bank in 2021, as a structural measure to improve its operational framework for the purposes of supplying liquidity to the National Financial
System, whether in response to market-wide dysfunctions or specific problems in some institutions. Currently, the only assets eligible
to be offered as collateral are debentures and commercial certificates. These changes are expected to be implemented in the first quarter
of 2024.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>Central Bank issues regulations on the registration
and centralized deposit of real estate receivables </I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On March 28, 2023, the Central Bank
issued Resolution No. 308, which came into effect on May 2, 2023. Resolution No. 308 regulates the activities of registration and centralized
deposit of real estate receivables associated with real estate projects, and mainly enables, at the discretion of the market participants,
the use of the services provided by the registering entities and central depositaries and the structure of the systems managed by these
institutions to improve the management process of real estate receivables and the broader and more transparent access to the receivables
agendas by potential financiers, which could contribute to the access to better credit conditions for developers and subdivision owners.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>The Brazilian Federal Government empowers the Central
Bank to regulate virtual assets market </I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On June 13, 2023, the Brazilian government
issued the Decree No. 11,563, which came into effect on June 20, 2023, and regulates the virtual assets market law (Law No. 14,478 of
December 21, 2022, or Law No. 14,478), and designates the Central Bank as the authority in charge of regulating and overseeing this market
within the scope of this law.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>New Brazilian transfer pricing legislation is published
</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On June 14, 2023, Law No. 14,596 was
issued and changed the transfer pricing legislation by regulating the convergence of the Brazilian model to standards applied by the Organization
for Economic Co-operation and Development, or OECD. Under the new law, the allocation of taxable profits in cross-border transactions
between related parties will start in accordance with international guidelines and the arm's length principle, departing from the fixed-margin
methodologies previously applied in Brazil. Several provisions of this law pend further regulation.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">Law No. 14,596 will enter into effect
on January 1, 2024. Taxpayers may opt to anticipate the effects of Law No. 14,596, pursuant to its section 45, a specific provision which
entered into effect on its publication date (June 15, 2023).</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>Central Bank issues rule regulating prudential treatment
for exposures to receivables from public entities (precat&oacute;rios)</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">The Brazilian financial system&rsquo;s
current exposure to receivables from public entities (<I>precat&oacute;rios</I>) is less than 0.1% of its assets. Nevertheless, there
has been a recent trend towards an increase in these assets on the balance sheets of financial institutions. Given this context, the
Central Bank decided to regulate the prudential treatment of such exposures. On October 5, 2023, the Central Bank issued Resolution No.
346, which establishes specific prudential treatment for financial institutions' exposure to receivables from public entities (<I>precat&oacute;rios</I>)
by recognizing the different risks involved in each stage of the legal proceeding that recognizes the receivables are due and payable,
as well as the difference between <I>precat&oacute;rios</I> and <I>pre-precat&oacute;rio</I> payments against the Federal Government
and those owed by states, the Federal District and municipalities. The resolution incorporates prior regulation that defines the procedures
for calculating the portion of RWA, relating to credit risk exposures subject to the calculation of the capital requirement using a standard
approach (RWA<SUB>CPAD</SUB>), and will enter into effect on January 2, 2024.</P>
<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt"></P>


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<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>Brazilian Congress issues Law reforming rules applicable
to the perfection and enforcement of in rem collateral </I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On October 30, 2023, Bill of Law No.
4,188/2021, known as the Legal Framework for Guarantees, was sanctioned by the President of Brazil, resulting in the publication of Law
No. 14,711. The rule introduces important changes to the legal framework for collateral, and the result is expected to be greater legal
security, a reduction in the spread on secured loans and greater availability of credit to borrowers. Its principal aim is to tackle the
current problem of dead capital in the fiduciary sale of real estate &ndash; that is, the impossibility of the same property being used
as collateral more than once. Thus, Law No. 14,711 promotes the following changes to Brazilian civil law in order to resolve the issue:
(i) allowing a new fiduciary sale of the same property; (ii) the extension of the current guarantee to a new debt; and (iii) the introduction
of the collateral agent into the Brazilian legal system. The new law also introduces several improvements related to the perfection and
extrajudicial enforcement of collateral, including amendments and revocations of outdated laws, changes to collateral registration rules
etc.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>The Central Bank issues rule regarding the registration
of credit card receivables </I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On October 30, the Central Bank issued
Resolution No. 349, which entered into effect on November 3, 2023, establishes the need for registration of receivables arising from transactions
within the scope of payment schemes based on postpaid accounts (i.e., credit cards and other postpaid payment instruments) that are part
of the Brazilian payment system. This rule improves measures adopted by prior rule that already aimed the time effectiveness for merchants
to terminate prepayment of receivables agreements with acquirers. Merchant acquiring payment institutions (such as our subsidiary, Redecard
Institui&ccedil;&atilde;o de Pagamento S.A.) and registration entities have until April 1, 2024 to comply with these new obligations.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt/106% Itau Display,sans-serif; margin: 0 0 8pt; text-align: justify"><B><I>Central Bank digital currency, the &ldquo;Real
Digital,&rdquo; or DREX </I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">Currently, the Central Bank is holding
a pilot project with respect to the creation of a national digital currency, called DREX. There are several rules governing the pilot
project, such as Vote No. 31/2023, issued on March 6, 2023, pursuant to which the Central Bank reviewed the guidelines applicable to the
DREX involving, among other matters (i) that tokenized assets will follow their respective regulatory regimes, so as not to generate asymmetry
between the current and tokenized forms of these assets; (ii) the emphasis on the design of a distributed ledger technology, or DLT, that
enables the registration of assets of various natures and the incorporation of technologies with smart contracts and programmable currency;
and (iii) total adherence to the regulations concerning secrecy, data protection, and anti-money laundering.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">Additionally, on April 27, 2023, the
Central Bank issued Resolution No. 315, which establishes formal rules applicable to the pilot project of the &ldquo;Real Digital&rdquo;
and institutes the Executive Management Committee of the &ldquo;Real Digital&rdquo; platform.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">Resolution No. 315 provides that a
select group of financial institutions subject to Central Bank supervision and that necessarily have the capacity to test, based on their
corresponding business model, transactions involving the issuance, redemption or transfer of financial assets, as well as executing the
simulation of financial flows resulting from trading events, when applicable to financial assets subject to the test, would be allowed
to participate in the pilot project. On May 24, 2023, the regulator disclosed a list of 14 selected participants, which included us. The
Central Bank will begin incorporating participants into the Real Digital Pilot platform by mid-June 2023.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">Resolution No. 315 also establishes
that, during the conduction of the pilot project, a forum will be created for the exchange of information and adequate orientation of
the expectations in relation to the development of the &ldquo;Real Digital&rdquo; platform and the proposed tests.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>Brazilian Senate approves Brazilian consumption tax
reform</I></B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>


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<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">On November 8, 2023, the Brazilian
Senate approved the consumption tax reform. The tax reform provides for the replacement of 5 taxes by two new value-added taxes, the Tax
on Goods and Services (<I>Imposto sobre Bens e Servi&ccedil;os</I>, or IBS) and the Contribution on Goods and Services (<I>Contribui&ccedil;&atilde;o
sobre Bens e Servi&ccedil;os</I>, or CBS) within a 7-year transition period. The current taxes on consumption that will be replaced by
the IBS and CBS include (i) tax on distribution of goods and services (<I>Imposto sobre Circula&ccedil;&atilde;o de Mercadorias e Servi&ccedil;os</I>,
or ICMS); (ii) tax on services (<I>Imposto sobre Servi&ccedil;os</I>, or ISS); (iii) tax on manufactured products (<I>Imposto sobre Produtos
Industrializados</I>, or IPI); (iv) the Profit Participation Program Contribution (<I>Programa de Integra&ccedil;&atilde;o Social,</I>
or PIS), and Social Security Financing Contribution (<I>Contribui&ccedil;&atilde;o para o Financiamento da Seguridade Social</I>, or COFINS).
The approved text of the tax reform also provides authorization for the Brazilian government to introduce a selective tax on goods and
services that are harmful to health and/or the environment.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">The tax reform is now under review
by the Brazilian House of Representatives, for approval or new amendments, upon which it will return to the Senate (depending on the relevance
of the changes) or be sent for presidential sanctioning.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

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<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify"></P>



<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0; text-align: justify; text-indent: 35.45pt">&nbsp;</P>

<P STYLE="font: bold 11pt Itau Display,sans-serif; margin: 0 0 12pt; text-align: center">SIGNATURES</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0pt 0 12pt; text-indent: 0.5in">Pursuant to the requirements of the Securities Exchange
Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 12pt">Date: November 22, 2023</P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 12pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 12pt; text-indent: 3.5in"><B>Ita&uacute; Unibanco Holding S.A.</B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 12pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 12pt 3.5in">By: <U>/s/ Milton Maluhy Filho<BR>
</U>Name: Milton Maluhy Filho<BR>
Title: Chief Executive Officer</P>




<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 12pt; text-indent: 3.5in"></P>

<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0 0 12pt 3.5in">By<U>: /s/ Alexsandro Broedel<BR>
</U>Name: Alexsandro Broedel<BR>
Title: Chief Financial Officer</P>


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<P STYLE="font: 10pt Itau Display,sans-serif; margin: 0">&nbsp;</P>

<P STYLE="text-align: center; font: bold 11pt Itau Display,sans-serif; margin-top: 0; margin-bottom: 12pt">&#9;FINANCIAL STATEMENTS&#9;&nbsp;</P>



<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="font: bold 21pt Georgia, Times, Serif; margin-top: 5.05pt; margin-right: 150.65pt; margin-bottom: 0pt">Ita&uacute; Unibanco Holding S.A.<BR>
and its subsidiaries</P>

<P STYLE="font: 13pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 150.65pt; margin-bottom: 0pt"><B>Consolidated financial</B></P>

<P STYLE="font: 13pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 150.65pt; margin-bottom: 0pt"><B>statements at September 30, 2023</B></P>

<P STYLE="font: 13pt/14.75pt Georgia, Times, Serif; margin-top: 0pt; margin-right: 0pt; margin-bottom: 0pt"><B>and report on <FONT STYLE="letter-spacing: -0.1pt">review</FONT></B></P>


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    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Georgia, Times, Serif; margin: 0 0 0 5.9pt"><IMG SRC="image_022.jpg" ALT="" STYLE="height: 77px; width: 101px"></P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 13pt Georgia, Times, Serif; margin-top: 5pt; margin-right: 180.05pt; margin-bottom: 0pt"><B>Report on review of consolidated financial statements</B></P>

<P STYLE="font: 19pt Georgia, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin-top: 0pt; margin-right: 251.25pt; margin-bottom: 0pt">To the Board of Directors and Stockholders Ita&uacute; Unibanco
Holding S.A.</P>

<P STYLE="font: 11pt Georgia, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Georgia, Times, Serif; margin: 0"></P>

<P STYLE="font: 16pt Georgia, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 0pt; margin-bottom: 0pt"><FONT STYLE="letter-spacing: -0.1pt">Introduction</FONT></P>

<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0.5pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 3pt; margin-bottom: 0pt">We have reviewed the accompanying consolidated balance sheet
of Ita&uacute; Unibanco Holding S.A. and its subsidiaries (&quot;Bank&quot;) as at September 30, 2023 and the related consolidated statements
of income and comprehensive income for the quarter and nine-month period then ended, and changes in stockholders' equity and cash flows
for the nine-month period then ended, and notes to the financial statements, including significant accounting policies and other explanatory
information.</P>

<P STYLE="font: 9.5pt Georgia, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 3pt; margin-bottom: 0pt">Management is responsible for the preparation and fair presentation
of these consolidated financial statements in accordance with International Accounting Standard (IAS) 34 - &quot;Interim Financial Reporting&quot;
issued by the International Accounting Standards Board (IASB). Our responsibility is to express a conclusion on these consolidated financial
statements based on our review.</P>

<P STYLE="font: 9.5pt Georgia, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 0pt; margin-bottom: 0pt">Scope of <FONT STYLE="letter-spacing: -0.1pt">review</FONT></P>

<P STYLE="font: 9.5pt Georgia, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 3pt; margin-bottom: 0pt">We conducted our review in accordance with Brazilian and International
Standards on Reviews of Interim Financial Information (NBC TR 2410 - &quot;Review of Interim Financial Information Performed by the Independent
Auditor of the Entity&quot; and ISRE 2410 - &quot;Review of Interim Financial Information Performed by the Independent Auditor of the
Entity&quot;, respectively). A review of financial information consists of making inquiries, primarily of persons responsible for financial
and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted
in accordance with Brazilian and International Standards on Auditing and consequently does not enable us to obtain assurance that we would
become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion.</P>

<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0.55pt 0 0">&nbsp;</P>

<P STYLE="font: bold 10pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 0pt; margin-bottom: 0pt"><FONT STYLE="letter-spacing: -0.1pt">Conclusion</FONT></P>

<P STYLE="font: 9pt Georgia, Times, Serif; margin: 0.55pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 3pt; margin-bottom: 0pt">Based on our review, nothing has
come to our attention that causes us to believe that the accompanying consolidated financial statements referred to above do not present
fairly, in all material respects, the financial position of Ita&uacute; Unibanco Holding S.A. and its subsidiaries as at September 30,
2023, and the consolidated financial performance for the quarter and nine-month period then ended and its consolidated cash flows for
the nine-month period then ended, in accordance with IAS 34.</P>

<P STYLE="font: 9.5pt Georgia, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 3pt; margin-bottom: 0pt">S&atilde;o
Paulo, November 6, <FONT STYLE="letter-spacing: -0.2pt">2023</FONT></P>

<P STYLE="font: 11pt Georgia, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Georgia, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 11pt Georgia, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="vertical-align: bottom; width: 50%; text-align: left">&nbsp;<IMG SRC="image_024.jpg" ALT=""></TD>
  <TD STYLE="width: 50%"><IMG SRC="image_025.jpg" ALT="">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="letter-spacing: -0.1pt">PricewaterhouseCoopers</FONT></P>
      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="letter-spacing: -0.1pt">Auditores Independentes Ltda.</FONT></P>
      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="letter-spacing: -0.1pt">CRC
2SP000160/O-5</font></P></TD>
  <TD><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="letter-spacing: -0.1pt">Emerson Laerte da Silva</FONT></P>
      <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="letter-spacing: -0.1pt">Contador CRC 1SP171089/O-3</font></P></TD></TR>
</TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 11pt Georgia, Times, Serif; margin: 0"></P>

<P STYLE="font: 11pt Georgia, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 3pt; margin-bottom: 0pt">2</P>

<P STYLE="font: 8.5pt Georgia, Times, Serif; margin: 0.4pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 3pt; margin-bottom: 0pt"><FONT STYLE="font-size: 9pt">PricewaterhouseCoopers
Auditores Independentes Ltda., Avenida Brigadeiro Faria Lima, 3732, Edif&iacute;cio B32, 16</FONT><FONT STYLE="font-size: 6pt">o</FONT>
<FONT STYLE="font-size: 9pt">S&atilde;o Paulo, SP, Brasil, 04538-132</FONT></P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin-top: 0.05pt; margin-right: 3pt; margin-bottom: 0pt">T: +55 (11) 4004-8000, <FONT STYLE="letter-spacing: -0.1pt">www.pwc.com.br</FONT></P>



<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #EC7000; font-weight: bold; width: 58%">Ita&uacute; Unibanco Holding S.A.</TD>
    <TD STYLE="width: 14%">&nbsp;</TD>
    <TD STYLE="width: 14%">&nbsp;</TD>
    <TD STYLE="width: 14%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #003399; font-weight: bold">Consolidated Balance Sheet</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="color: #003399; font-size: 9pt; font-style: italic; vertical-align: top">(In millions of reais)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid">Assets</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Note</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid">Cash</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">33,672</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">35,381</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Financial assets</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,350,062</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,170,219</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">At Amortized Cost</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,684,906</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,578,789</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Compulsory deposits in the Central Bank of Brazil</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">146,139</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">115,748</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Interbank deposits</TD>
    <TD STYLE="text-align: center">4</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">45,931</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">59,592</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Securities purchased under agreements to resell</TD>
    <TD STYLE="text-align: center">4</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">269,751</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">221,779</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Securities</TD>
    <TD STYLE="text-align: center">9</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">253,515</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">213,026</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Loan and lease operations</TD>
    <TD STYLE="text-align: center">10</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">905,804</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">909,422</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other financial assets</TD>
    <TD STYLE="text-align: center">18a</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">115,963</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">109,909</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">(-) Provision for expected loss</TD>
    <TD STYLE="text-align: center">4, 9, 10</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-52,197</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-50,687</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">At Fair Value through Other Comprehensive Income</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">140,422</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">126,748</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Securities</TD>
    <TD STYLE="text-align: center">8</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">140,422</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">126,748</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">At Fair Value through Profit or Loss</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">524,734</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">464,682</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Securities</TD>
    <TD STYLE="text-align: center">5</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">454,638</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">385,099</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Derivatives</TD>
    <TD STYLE="text-align: center">6, 7</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">68,481</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">78,208</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other financial assets</TD>
    <TD STYLE="text-align: center">18a</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,615</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,375</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Insurance contracts</TD>
    <TD STYLE="text-align: center">27</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">96</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">23</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Tax assets</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">65,050</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">59,645</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income tax and social contribution - current</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,253</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,647</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income tax and social contribution - deferred</TD>
    <TD STYLE="text-align: center">24b I</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">55,731</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">51,634</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,066</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,364</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other assets</TD>
    <TD STYLE="text-align: center">18a</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">20,465</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">17,474</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Investments in associates and joint ventures</TD>
    <TD STYLE="text-align: center">11</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,807</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,443</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Fixed assets, net</TD>
    <TD STYLE="text-align: center">13</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,463</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,767</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top-color: #B7B7B7; border-top-width: 0.5pt">Goodwill and Intangible assets, net</TD>
    <TD STYLE="text-align: center">14</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">23,502</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">23,114</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total assets</TD>
    <TD STYLE="border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,509,117</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,321,066</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="font-size: 9pt; text-align: left">The accompanying notes are an integral part of these consolidated financial statements.</TD></TR>
  </TABLE>

<P STYLE="margin: 0"></P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #EC7000; font-weight: bold; width: 61%">Ita&uacute; Unibanco Holding S.A.</TD>
    <TD STYLE="width: 13%">&nbsp;</TD>
    <TD STYLE="width: 13%">&nbsp;</TD>
    <TD STYLE="width: 13%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #003399; font-weight: bold">Consolidated Balance Sheet</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="color: #003399; font-size: 9pt; font-style: italic; vertical-align: top">(In millions of reais)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid">Liabilities and stockholders' equity</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Note</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid">Financial Liabilities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,975,442</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,836,690</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">At Amortized Cost</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,908,530</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,755,498</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Deposits</TD>
    <TD STYLE="text-align: center">15</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">932,284</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">871,438</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Securities sold under repurchase agreements</TD>
    <TD STYLE="text-align: center">17a</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">357,682</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">293,440</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Interbank market funds</TD>
    <TD STYLE="text-align: center">17b</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">331,693</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">294,587</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Institutional market funds</TD>
    <TD STYLE="text-align: center">17c</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">117,076</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">129,382</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other financial liabilities</TD>
    <TD STYLE="text-align: center">18b</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">169,795</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">166,651</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">At Fair Value through Profit or Loss</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">62,977</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">77,508</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Derivatives</TD>
    <TD STYLE="text-align: center">6, 7</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">62,160</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">76,861</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Structured notes</TD>
    <TD STYLE="text-align: center">16</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">98</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">64</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other financial liabilities</TD>
    <TD STYLE="text-align: center">18b</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">719</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">583</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Provision for Expected Loss</TD>
    <TD STYLE="font-weight: bold; text-align: center">10</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,935</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,684</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Loan commitments</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,190</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,874</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Financial guarantees</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">745</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">810</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Insurance contracts and private pension</TD>
    <TD STYLE="text-align: center">27</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">258,651</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">233,126</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Provisions</TD>
    <TD STYLE="text-align: center">29</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">20,151</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">19,475</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Tax liabilities</TD>
    <TD STYLE="font-weight: bold; text-align: center">24c</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">10,139</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,773</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income tax and social contribution - current</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,305</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,950</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income tax and social contribution - deferred</TD>
    <TD STYLE="text-align: center">24b II</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">477</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">345</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,357</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,478</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other liabilities</TD>
    <TD STYLE="text-align: center">18b</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">52,060</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">47,895</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Total liabilities</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,316,443</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,143,959</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Total stockholders&rsquo; equity attributed to the owners of the parent company</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">183,636</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">167,717</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Capital</TD>
    <TD STYLE="text-align: center">19a</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">90,729</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">90,729</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Treasury shares</TD>
    <TD STYLE="text-align: center">19a</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-33</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-71</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Capital reserves</TD>
    <TD STYLE="text-align: center">19c</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,426</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,480</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Revenue reserves</TD>
    <TD STYLE="text-align: center">19c</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">98,543</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">86,209</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other comprehensive income</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-8,029</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-11,630</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Non-controlling interests</TD>
    <TD STYLE="font-weight: bold; text-align: center">19d</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,038</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,390</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top-color: #B7B7B7; border-top-width: 0.5pt">Total stockholders&rsquo; equity</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">192,674</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">177,107</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total liabilities and stockholders' equity</TD>
    <TD STYLE="border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,509,117</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,321,066</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="font-size: 9pt; text-align: left">The accompanying notes are an integral part of these consolidated financial statements.</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="color: #EC7000; font-weight: bold">Ita&uacute; Unibanco Holding S.A.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="color: #003399; font-weight: bold">Consolidated Statement of Income</TD></TR>
  <TR>
    <TD COLSPAN="6" STYLE="color: #003399; font-size: 9pt; font-style: italic; vertical-align: top">(In millions of reais, except for number of shares and earnings per share information)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Note</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid">Operating Revenues</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">40,402</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">36,032</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">116,575</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">106,043</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Interest and similar income</TD>
    <TD STYLE="text-align: center">21a</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">60,045</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">51,769</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">171,594</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">135,896</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Interest and similar expenses</TD>
    <TD STYLE="text-align: center">21b</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(39,978)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(32,381)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(121,554)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(78,406)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income of Financial Assets and Liabilities at Fair Value through Profit or Loss</TD>
    <TD STYLE="text-align: center">21c</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10,928</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,554</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">22,845</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,433</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Foreign exchange results and exchange variations in foreign transactions</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(5,058)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(5,979)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">784</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(5,628)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Commissions and Banking Fees</TD>
    <TD STYLE="text-align: center">22</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">11,607</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">11,347</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">33,836</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">33,305</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Income from Insurance Contracts and Private Pension</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,717</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,343</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,148</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,801</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Operating Income from Insurance Contracts and Private Pension, net of Reinsurance</TD>
    <TD STYLE="text-align: center">27</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,602</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,288</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,756</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,018</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Financial Income from Insurance Contracts and Private Pension, net of Reinsurance</TD>
    <TD STYLE="text-align: center">27</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(5,892)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(7,197)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(19,882)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(16,706)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Income from Financial Assets related to Insurance Contracts and Private Pension</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,007</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,252</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">20,274</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16,489</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Other income</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,141</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,379</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,922</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,642</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Expected Loss from Financial Assets</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(7,994)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(7,000)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(24,023)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(20,235)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Expected Loss with Loan and Lease Operations</TD>
    <TD STYLE="text-align: center">10c</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(7,793)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(7,091)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(24,079)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(20,807)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Expected Loss with Other Financial Asset, net</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(201)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">91</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">56</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">572</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Operating Revenues Net of Expected Losses from Financial Assets</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">32,408</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">29,032</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">92,552</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">85,808</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other operating income / (expenses)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(21,935)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(19,450)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(62,935)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(57,172)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">General and administrative expenses</TD>
    <TD STYLE="text-align: center">23</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(19,939)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(17,256)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(56,237)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(50,485)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Tax expenses</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,291)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,336)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(7,385)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(7,125)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Share of profit or (loss) in associates and joint ventures</TD>
    <TD STYLE="text-align: center">11</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">295</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">142</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">687</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">438</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income / (loss) before income tax and social contribution</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">10,473</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,582</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">29,617</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">28,636</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Current income tax and social contribution</TD>
    <TD STYLE="text-align: center">24a</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,226)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,046)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(9,058)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(6,815)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Deferred income tax and social contribution</TD>
    <TD STYLE="text-align: center">24a</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,222</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">582</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,373</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">859</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Net income / (loss)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,469</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,118</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">24,932</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">22,680</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Net income attributable to owners of the parent company</TD>
    <TD STYLE="text-align: center">25</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,358</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,949</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">24,332</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">21,915</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Net income / (loss) attributable to non-controlling interests</TD>
    <TD STYLE="text-align: center">19d</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">111</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">169</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">600</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">765</FONT></TD></TR>

<TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: #B7B7B7 0.5pt solid; border-bottom: #B7B7B7 0.5pt solid; width: 59%">Earnings per share - basic</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 6%">25</TD>
    <TD STYLE="text-align: left; width: 8%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 9%">&nbsp;</TD>
    <TD STYLE="color: white; text-align: left; width: 9%">&nbsp;</TD>
    <TD STYLE="color: white; text-align: left; width: 9%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Common</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0.85</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0.81</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2.48</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Preferred</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0.85</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0.81</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2.48</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2.24</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Earnings per share - diluted</TD>
    <TD STYLE="font-weight: bold; text-align: center">25</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Common</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0.85</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0.81</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2.47</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2.22</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Preferred</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0.85</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0.81</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2.47</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2.22</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Weighted average number of outstanding shares - basic</TD>
    <TD STYLE="font-weight: bold; text-align: center">25</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Common</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,958,290,359</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,958,290,359</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,958,290,359</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,958,290,359</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Preferred</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,842,992,578</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,842,572,432</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,839,375,710</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,840,079,729</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Weighted average number of outstanding shares - diluted</TD>
    <TD STYLE="font-weight: bold; text-align: center">25</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Common</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,958,290,359</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,958,290,359</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,958,290,359</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,958,290,359</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 1pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Preferred</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,908,077,631</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,901,893,662</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,899,192,716</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,891,693,612</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="font-size: 9pt; text-align: left">The accompanying notes are an integral part of these consolidated financial statements.</TD></TR>
  </TABLE>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #EC7000; font-weight: bold; width: 55%">Ita&uacute; Unibanco Holding S.A.</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="color: #003399; font-weight: bold">Consolidated Statement of Comprehensive Income</TD></TR>
  <TR>
    <TD STYLE="color: #003399; font-size: 9pt; font-style: italic; vertical-align: top">(In millions of reais)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Note</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid">Net income / (loss)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,469</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,118</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">24,932</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">22,680</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Financial assets at fair value through other comprehensive income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(430)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">520</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,177</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,182)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Change in fair value</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,016)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">726</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,574</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,709)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Tax effect</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">515</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(226)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(898)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">961</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">(Gains) / losses transferred to income statement</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">129</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">36</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(908)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,028</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Tax effect</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(58)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(16)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">409</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(462)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Hedge</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">68</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">171</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">389</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(53)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Cash flow hedge</TD>
    <TD STYLE="font-weight: bold; text-align: center">7</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">225</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">145</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(53)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Change in fair value</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">11</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">404</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">288</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(64)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Tax effect</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(13)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(179)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(143)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">11</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Hedge of net investment in foreign operation</TD>
    <TD STYLE="font-weight: bold; text-align: center">7</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">70</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(54)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">244</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Change in fair value</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">96</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(96)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">432</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">32</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Tax effect</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(26)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">42</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(188)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(32)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Insurance contracts and private pension</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(82)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(121)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(568)</TD>
    <TD STYLE="font-weight: bold; text-align: right">592</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Change in discount rate</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(136)</TD>
    <TD STYLE="text-align: right">(206)</TD>
    <TD STYLE="text-align: right">(969)</TD>
    <TD STYLE="text-align: right">1,003</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Tax effect</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">54</TD>
    <TD STYLE="text-align: right">85</TD>
    <TD STYLE="text-align: right">401</TD>
    <TD STYLE="text-align: right">(411)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Remeasurements of liabilities for post-employment benefits <SUP>(1)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(5)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(1)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(18)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(7)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Remeasurements</TD>
    <TD STYLE="text-align: center">26</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(5)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(29)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(13)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Tax effect</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">11</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Foreign exchange variation in foreign investments</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,733</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">137</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">621</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,655)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Total other comprehensive income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,284</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">706</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,601</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(4,305)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Total comprehensive income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">10,753</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,824</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">28,533</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">18,375</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Comprehensive income attributable to the owners of the parent company</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">10,642</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,655</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">27,933</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">17,610</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: black 1pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Comprehensive income attributable to non-controlling interests</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">111</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">169</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">600</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">765</FONT></TD></TR>
  <TR>
    <TD STYLE="font-size: 9pt; vertical-align: top">1) Amounts that will not be subsequently reclassified to income.</TD>
    <TD STYLE="font-size: 9pt; font-style: italic; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; font-style: italic; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; font-style: italic; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; font-style: italic; vertical-align: middle">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; font-style: italic; vertical-align: middle">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="font-size: 9pt; text-align: left">The accompanying notes are an integral part of these consolidated financial statements.</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="15" STYLE="color: #EC7000; font-weight: bold">Ita&uacute; Unibanco Holding S.A.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="15" STYLE="color: #003399; font-weight: bold">Consolidated Statement of Changes in Stockholders&rsquo; Equity</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="15" STYLE="color: #003399; font-size: 9pt; font-style: italic">(In millions of reais)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Note</TD>
    <TD COLSPAN="10" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Attributed to owners of the parent company</TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Total stockholders&rsquo; equity &ndash; owners of the parent company</TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Total stockholders&rsquo; equity &ndash; non-controlling interests</TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Capital</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Treasury shares</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Capital reserves</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Revenue reserves</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Retained earnings</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Other comprehensive income</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Financial assets at fair value through other comprehensive income <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Insurance contracts and private pension</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Remeasurements of liabilities of post-employment benefits</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Conversion adjustments of foreign investments</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Gains and losses &ndash;&nbsp;&nbsp;hedge <SUP>(2)</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #CCCCCC 0.5pt solid; text-align: left; width: 26%">Total - 01/01/2022</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 4%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">90,729</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 4%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(528)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 4%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,250</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 4%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">65,985</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 4%">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 21%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,542)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 5%">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 4%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(1,486)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 4%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,531</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 4%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(8,393)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 4%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">152,546</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 4%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">11,612</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 4%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">164,158</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; font-weight: bold; border-bottom: #CCCCCC 0.5pt solid">Transactions with owners</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">457</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">22</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">479</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(3,249)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,770)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; vertical-align: top; border-bottom: #CCCCCC 0.5pt solid">Result of delivery of treasury shares</TD>
    <TD STYLE="vertical-align: middle; text-align: center">19, 20</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">457</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">64</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">521</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">521</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; vertical-align: bottom; border-bottom: #CCCCCC 0.5pt solid">Recognition of share-based payment plans</TD>
    <TD STYLE="vertical-align: middle; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(42)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(42)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(42)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; vertical-align: bottom; border-bottom: #CCCCCC 0.5pt solid">(Increase) / Decrease to the owners of the parent company</TD>
    <TD STYLE="vertical-align: middle; text-align: center">2d I, 3</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,249)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,249)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; border-bottom: #CCCCCC 0.5pt solid">Dividends</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(286)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(286)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; border-bottom: #CCCCCC 0.5pt solid">Interest on capital</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(6,313)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(6,313)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(6,313)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; border-bottom: #CCCCCC 0.5pt solid">Unclaimed dividends and Interest on capital</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">116</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">116</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">116</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; border-bottom: #CCCCCC 0.5pt solid">Corporate reorganization</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">65</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">65</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">65</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; border-bottom: #CCCCCC 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Other <SUP>(3)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">370</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">370</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">370</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; font-weight: bold; border-bottom: #CCCCCC 0.5pt solid">Total comprehensive income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">21,847</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,182)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">592</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(7)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,655)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(53)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">17,542</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">765</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">18,307</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; border-bottom: #CCCCCC 0.5pt solid">Net income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">21,915</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">21,915</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">765</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">22,680</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; border-bottom: #CCCCCC 0.5pt solid">Other comprehensive income for the period</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(68)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,182)</FONT></TD>
    <TD STYLE="text-align: right">592</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(7)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,655)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(53)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(4,373)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(4,373)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; font-weight: bold; border-bottom: #CCCCCC 0.5pt solid">Appropriations:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; border-bottom: #CCCCCC 0.5pt solid">Legal reserve</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,130</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,130)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; border-bottom: #CCCCCC 0.5pt solid">Statutory reserve</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">14,520</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(14,520)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left; border-top-color: #CCCCCC; border-top-width: 0.5pt">Total - 09/30/2022</TD>
    <TD STYLE="font-weight: bold; text-align: center">19</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">90,729</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(71)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,272</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">82,070</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(4,724)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">592</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(1,493)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,876</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(8,446)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">164,805</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,842</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">173,647</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid; font-weight: bold; border-bottom: black 0.5pt solid">Change in the period</TD>
    <TD STYLE="border-top: black 0.5pt solid; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">457</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">22</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">16,085</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,182)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">592</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(7)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,655)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(53)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">12,259</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,770)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,489</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #CCCCCC 0.5pt solid; text-align: left">Total - 01/01/2023</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">90,729</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(71)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,480</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">86,209</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(5,984)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">796</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(1,520)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,505</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(8,427)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">167,717</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,390</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">177,107</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; font-weight: bold; border-bottom: #CCCCCC 0.5pt solid">Transactions with owners</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">38</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(54)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(16)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(581)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(597)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; vertical-align: top; border-bottom: #CCCCCC 0.5pt solid">Acquisition of treasury shares</TD>
    <TD STYLE="vertical-align: middle; text-align: center">19, 20</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(689)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(689)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(689)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; vertical-align: top; border-bottom: #CCCCCC 0.5pt solid">Result of delivery of treasury shares</TD>
    <TD STYLE="vertical-align: middle; text-align: center">19, 20</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">727</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">724</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">724</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; vertical-align: bottom; border-bottom: #CCCCCC 0.5pt solid">Recognition of share-based payment plans</TD>
    <TD STYLE="vertical-align: middle; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(51)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(51)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(51)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; vertical-align: bottom; border-bottom: #CCCCCC 0.5pt solid">(Increase) / Decrease to the owners of the parent company</TD>
    <TD STYLE="vertical-align: middle; text-align: center">2d I, 3</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(581)</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(581)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; border-bottom: #CCCCCC 0.5pt solid">Dividends</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(371)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(371)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; border-bottom: #CCCCCC 0.5pt solid">Interest on capital</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(9,372)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(9,372)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(9,372)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; border-bottom: #CCCCCC 0.5pt solid">Unclaimed dividends and Interest on capital</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">51</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">51</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">51</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; border-bottom: #CCCCCC 0.5pt solid">Corporate reorganization</TD>
    <TD STYLE="text-align: center">2d I, 3</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">175</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">175</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">175</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; border-bottom: #CCCCCC 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Other <SUP>(3)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,852)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,852)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,852)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; font-weight: bold; border-bottom: #CCCCCC 0.5pt solid">Total comprehensive income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">24,332</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,177</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(568)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(18)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">621</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">389</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">27,933</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">600</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">28,533</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; border-bottom: #CCCCCC 0.5pt solid">Net income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">24,332</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">24,332</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">600</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">24,932</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; border-bottom: #CCCCCC 0.5pt solid">Other comprehensive income for the period</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,177</FONT></TD>
    <TD STYLE="text-align: right">(568)</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(18)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">621</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">389</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,601</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,601</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; font-weight: bold; border-bottom: #CCCCCC 0.5pt solid">Appropriations:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; border-bottom: #CCCCCC 0.5pt solid">Legal reserve</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,200</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,200)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #CCCCCC 0.5pt solid; padding-left: 12px; border-bottom: #CCCCCC 0.5pt solid">Statutory reserve</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,811</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(13,811)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left; border-top-color: #CCCCCC; border-top-width: 0.5pt">Total - 09/30/2023</TD>
    <TD STYLE="font-weight: bold; text-align: center">19</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">90,729</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(33)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,426</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">98,543</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,807)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">228</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(1,538)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">4,126</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(8,038)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">183,636</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,038</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">192,674</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid; font-weight: bold; border-bottom: black 1pt solid">Change in the period</TD>
    <TD STYLE="border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">38</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(54)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">12,334</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,177</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(568)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(18)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">621</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">389</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">15,919</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(352)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">15,567</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="15" STYLE="font-size: 9pt">1) Includes the share in other comprehensive income of investments in associates and joint ventures related to financial assets at fair value through other comprehensive income.<BR>
2) Includes cash flow hedge and hedge of net investment in foreign operation.<BR>
3) Includes Argentina&acute;s hyperinflation adjustment.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="15" STYLE="font-size: 9pt; text-align: left">The accompanying notes are an integral part of these consolidated financial statements.</TD></TR>
  </TABLE>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #EC7000; font-weight: bold; width: 78%">Ita&uacute; Unibanco Holding S.A.</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #003399; font-weight: bold">Consolidated Statement of Cash Flows</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="color: #003399; font-size: 9pt; font-style: italic; vertical-align: top">(In millions of reais)</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Note</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid">Adjusted net income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">67,533</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">87,036</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Net income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">24,932</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">22,680</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Adjustments to net income:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">42,601</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">64,356</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Share-based payment</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">26</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Effects of changes in exchange rates on cash and cash equivalents</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10,353</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">34,063</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Expected loss from financial assets</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">24,023</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">20,235</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income from interest and foreign exchange variation from operations with subordinated debt</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,667</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">914</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Financial income from insurance contracts and private pension</TD>
    <TD STYLE="text-align: center">27</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">19,882</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16,706</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Depreciation and amortization</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,240</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,599</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; text-align: justify; border-top-color: #B7B7B7; border-top-width: 0.5pt">Expense from update / charges on the provision for civil, labor, tax and legal obligations</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">668</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">985</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Provision for civil, labor, tax and legal obligations</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,371</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,361</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Revenue from update / charges on deposits in guarantee</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(701)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(782)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Deferred taxes (excluding hedge tax effects)</TD>
    <TD STYLE="text-align: center">24b</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(602)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">658</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; text-align: justify; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income from share in the net income of associates and joint ventures and other investments</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(687)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(438)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income from financial assets - at fair value through other comprehensive income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(920)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,028</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; text-align: justify; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income from interest and foreign exchange variation of financial assets at fair value through other comprehensive income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(14,381)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(11,184)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income from interest and foreign exchange variation of financial assets at amortized cost</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(5,896)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(5,357)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">(Gain) / loss on sale of investments and fixed assets</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,406</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other</TD>
    <TD STYLE="text-align: center">23</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(829)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,540</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Change in assets and liabilities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">24,568</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">36,793</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">(Increase) / decrease in assets</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Interbank deposits</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,810</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">20,862</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Securities purchased under agreements to resell</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(22,600)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(73,970)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Compulsory deposits with the Central Bank of Brazil</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(30,391)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(13,096)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Loan operations</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(18,616)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(76,011)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Derivatives (assets / liabilities)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(4,585)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(429)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Financial assets designated at fair value through profit or loss</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(69,539)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,915)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other financial assets</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(5,593)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(6,496)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other tax assets</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,308)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">975</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other assets</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,614)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(6,491)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">(Decrease) / increase in liabilities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Deposits</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">60,846</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(6,398)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Deposits received under securities repurchase agreements</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">64,242</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">53,782</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Funds from interbank markets</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">37,106</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">113,808</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Funds from institutional markets</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,625)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,512</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other financial liabilities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,280</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">18,070</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Financial liabilities at fair value throught profit or loss</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">34</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(48)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Insurance contracts and private pension</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,075</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,049)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Provisions</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,747</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,570</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Tax liabilities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,210</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,688</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other liabilities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,670</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">12,963</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Payment of income tax and social contribution</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(6,581)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(4,534)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Net cash from / (used in) operating activities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">92,101</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">123,829</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; text-align: justify; border-top-color: #B7B7B7; border-top-width: 0.5pt">Dividends / Interest on capital received from investments in associates and joint ventures</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">203</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">245</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Cash upon sale of fixed assets</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">192</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">63</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Termination of intangible asset agreements</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">92</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">(Purchase) / Cash from the sale of financial assets at fair value through other comprehensive income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,205</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,523</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">(Purchase) / redemptions of financial assets at amortized cost</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(34,634)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(53,840)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">(Purchase) of investments in associates and joint ventures</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,027)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(546)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">(Purchase) of fixed assets</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,681)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,390)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">(Purchase) of intangible assets</TD>
    <TD STYLE="text-align: center">14</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(4,075)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(4,295)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Net cash from / (used in) investment activities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(39,725)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(46,238)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Subordinated debt obligations raisings</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,004</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Subordinated debt obligations redemptions</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(12,348)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(19,508)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Change in non-controlling interests stockholders</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(581)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,249)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Acquisition of treasury shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(689)</FONT></TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Result of delivery of treasury shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">666</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">453</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Dividends and interest on capital paid to non-controlling interests</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(371)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(286)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Dividends and interest on capital paid</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(9,901)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(6,260)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Net cash from / (used in) financing activities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(23,224)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(27,846)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Net increase / (decrease) in cash and cash equivalents</TD>
    <TD STYLE="font-weight: bold; text-align: center">2d III</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">29,152</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">49,745</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Cash and cash equivalents at the beginning of the period</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">104,257</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">103,887</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Effects of changes in exchange rates on cash and cash equivalents</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(10,353)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(34,063)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Cash and cash equivalents at the end of the period</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">123,056</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">119,569</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Cash</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">33,672</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">35,402</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Interbank deposits</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,733</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,981</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Securities purchased under agreements to resell - Collateral held</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">81,651</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">75,186</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; text-align: justify; border-top-color: #B7B7B7; border-top-width: 0.5pt">Additional information on cash flow (Mainly operating activities)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Interest received</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">161,058</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">165,121</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Interest paid</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">89,361</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">73,724</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Non-cash transactions</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Increase of Equity Interest in ITA&Uacute; CHILE</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">961</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 1pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Dividends and interest on capital declared and not yet paid</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,738</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,100</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="font-size: 9pt; text-align: left">The accompanying notes are an integral part of these consolidated financial statements.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>


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<P STYLE="font: 11pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>Ita&uacute; Unibanco Holding S.A.</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Notes to the Consolidated
Financial Statements</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="color: #003399"><B>At&nbsp;09/30/2023
and&nbsp;12/31/2022&nbsp;for balance sheet accounts and from 01/01 to&nbsp;09/30 of&nbsp;2023 and&nbsp;2022&nbsp;for income statement&nbsp;</B></FONT>&nbsp;&nbsp;<FONT STYLE="color: #003399">&nbsp;</FONT></P>

<P STYLE="font: 9pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><I>(In millions of reais,
except when indicated)</I></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 1 - Operations</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Ita&uacute; Unibanco Holding S.A.&nbsp;(ITA&Uacute;
UNIBANCO HOLDING) is a publicly held company, organized and existing under the laws of Brazil. The head office is located at Pra&ccedil;a
Alfredo Egydio de Souza Aranha, n&deg; 100, in the city of S&atilde;o Paulo, state of S&atilde;o Paulo, Brazil.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;has a
presence in&nbsp;18&nbsp;countries and territories and offers a wide variety of financial products and services to personal and corporate
customers in Brazil and abroad, not necessarily related to Brazil, through its branches, subsidiaries and international affiliates. It
offers a full range of banking services, through its different portfolios: commercial banking; investment banking; real estate lending;
loans, financing and investment; leasing and foreign exchange business. Its operations are divided into three segments: Retail Business,
Wholesale Business and Activities with the Market + Corporation. Further detailed segment information is presented in Note 30.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;is a financial
holding company controlled by Ita&uacute; Unibanco Participa&ccedil;&otilde;es S.A. (&#8220;IUPAR&#8221;), a holding company which owns
51.71% of ITAU UNIBANCO HOLDING's&nbsp;common shares, and which is jointly controlled by (i) Ita&uacute;sa S.A. (&#8220;ITA&Uacute;SA&#8221;),
a holding company controlled by members of the Egydio de Souza Aranha family, and (ii) Companhia E. Johnston de Participa&ccedil;&otilde;es
(&#8220;E. JOHNSTON&#8221;), a holding company controlled by the Moreira Salles family. Ita&uacute;sa also directly holds&nbsp;39.21%
of ITA&Uacute; UNIBANCO HOLDING&#8217;s common shares.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">These consolidated financial statements
were approved by the Board of Directors on&nbsp;November 06, 2023.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 2 - Significant
accounting policies</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Basis of preparation</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Consolidated Financial Statements of&nbsp;ITA&Uacute;
UNIBANCO HOLDING were prepared in accordance with the requirements and guidelines of the National Monetary Council (CMN), which require
that as from December 31, 2010 annual Consolidated Financial Statements are prepared in accordance with the International Financial Reporting
Standards (IFRS), as issued by the International Accounting Standards Board (IASB).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">These Consolidated Financial Statements
were prepared in accordance with IAS 34 &#8211; Interim Financial Reporting, with the option of presenting the Complete Consolidated Financial
Statements in lieu of the Condensed Consolidated Financial Statements.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In the preparation of these Consolidated
Financial Statements,&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;adopted the criteria for recognition, measurement and disclosure established
in the IFRS and in the interpretations of the International Financial Reporting Interpretation Committee (IFRIC).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The information in the financial statements
and accompanying notes evidences all relevant information inherent in the financial statements, and only them, which is consistent with
information used by management in its administration.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) New accounting standards
changes and interpretations of existing standards</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>I - Accounting standards
applicable for period ended September 30, 2023</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>IFRS
17 &#8211; Insurance Contracts: The pronouncement replaces IFRS 4 &#8211; Insurance Contracts. IFRS 17 is applicable to all insurance
and reinsurance contracts held as from January 1, 2023, with a transition date of January 1, 2022 for comparative purposes. The modified
retrospective approach was adopted.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Transition to IFRS 17</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The main changes identified by&nbsp;ITA&Uacute;
UNIBANCO HOLDING due to the adoption of IFRS 17 are related to the aggregation and measurement of insurance contracts and private pension.
Further details on the material accounting policies adopted are included in Note 2d.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify; color: #EC7000"><B>(i) Aggregation
and Measurement of Insurance Contracts and Private Pension </B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">IFRS 17 requires that insurance contracts
be grouped in portfolios considering similar risks, their management, the contract issue period and the expected profitability at the
time of initial recognition. The groups of insurance contracts and private pension are made up of contracts issued in the quarter.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;grouped
insurance and health products in the Insurance portfolio and supplementary pension plans in the Private Pension portfolio.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">The Insurance portfolio is made up
mainly of products which cover life and property, divided into groups of contracts with the coverage period of each contract is one year
or less and contracts of the coverage period longer.&nbsp;The Private Pension portfolio is made up of products with coverage for survival
and risk of death and disability, comprising three groups: risk coverage plans and survival plans with and without direct participation
features.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">For measurement of the groups of insurance
contracts and private pension,&nbsp;ITA&Uacute; UNIBANCO HOLDING adopts the three measurement approaches: BBA, VFA and PAA, considering
the characteristics of the existing insurance contracts and private pension:&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Building
Block Approach (BBA): applicable to all insurance contracts without direct participation features, corresponds to the standard model.&nbsp;ITA&Uacute;
UNIBANCO HOLDING applied this approach to insurance&nbsp;contracts and private pension with coverage over 1 year or which are onerous.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Variable
Fee Approach (VFA): applicable to insurance contracts with direct participation features are insurance contracts that are substantially
investment-related service contracts under which an entity promises an investment return based on underlying items.&nbsp;ITA&Uacute; UNIBANCO
HOLDING applied this approach to the Free Benefit Generating Plan (PGBL) and Free Benefit Generating Life Plan (VGBL) private pension
plans, since the contributions made by insured parties have a return based on the profitability of the investment fund specially organized
in which funds are invested and the insured party has the possibility of earning income after the accumulation period.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Premium
Allocation Approach (PAA): applicable to insurance contracts lasting up to 12 months or when they produce results similar to those that
would be obtained if the standard model were used.&nbsp;ITA&Uacute; UNIBANCO HOLDING applied this approach to insurance contracts whose
coverage periods are equal to or less than one year.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">The initial recognition of groups
of insurance contracts and private pension is performed by the total of:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Contractual
service margin, which represents the unearned profit that will be recognized as it provides insurance contract service in the future.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Fulfillment
cash flows, composed of the present value of estimated cash inflows and outflows of funds over the period covered by the portfolio, risk
adjusted for non-financial risk. The risk adjustment for non-financial risk is the compensation that the entity requires for bearing the
uncertainty about the amount and timing of the cash flows that arises from non-financial risk.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">The Assets and Liabilities of insurance
contracts and private pension are subsequently segregated between:</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Asset
or Liability for Remaining Coverage: represented by the fulfillment cash flows related to future services and the contractual service
margin. The appropriation of the contractual service margin and losses (or reversals) in onerous contracts are recognized in the Operating
Income from Insurance Contracts and Private Pension, net of Reinsurance. In the Private Pension PGBL and VGBL portfolios, the contractual
service margin is recognized according to the provision of the management service and insurance risks, and in the other portfolios, recognition
is on a straight-line basis over the term of the contract.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Asset
or Liability for Incurred Claims: represented by the fulfillment cash flows referring to services already provided, that are, amounts
pending financial settlement related to claims and other expenses incurred. Changes in the fulfillment cash flows, including those arising
from an increase in the amount recognized due to claims and expenses incurred in the period, are recognized in the Operating Income from
Insurance Contracts and Private Pension, net of Reinsurance.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;adopted
the modified retrospective approach due to unavailability of historical data, using reasonable and supportable information to measure
the insurance contracts and private pension in effect on the transition date.&nbsp;ITA&Uacute; UNIBANCO HOLDING used the permitted modification
and opted for a single grouping of contracts in accordance with its products and portfolios. In addition,&nbsp;ITA&Uacute; UNIBANCO HOLDING
estimated future cash flows on the transition date, adjusting them with historical information prior to that date. Regarding discount
rates, their averages for the period between 2015 and 2021 were considered. The insurance contractual margin was established after applying
the risk adjustment for non-financial risk to the future cash flows determined.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">For&nbsp;portfolios of&nbsp;long-term
insurance contracts and private pension, except for Private Pension PGBL and VGBL portfolios,&nbsp;ITA&Uacute; UNIBANCO HOLDING opted
for recognizing changes in discount rates in Other Comprehensive Income, that is, the Financial Income from Insurance Contracts and Private
Pension will be segregated between Other Comprehensive Income and income for the period, with no effect on the transition date. In the
portfolios of short-term insurance and Private Pension PGBL and VGBL, the financial income is fully recognized in income for the period.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify; color: #EC7000"><B>(ii) Redesignation
of Financial Assets</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">As IFRS 17 changed the measurement
of insurance contracts, which are now recognized at the present value of the obligation,&nbsp;ITA&Uacute; UNIBANCO HOLDING partially redesignated,
on the transition date and as permitted by the standard, the business model of financial instruments that were classified at Amortized
Cost to Fair Value through Other Comprehensive Income. This business model aims at maximizing the results of financial assets through
sales in windows of opportunity, in addition to the receipt of principal and interest, thus allowing for better symmetry between assets
and liabilities.</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">01/01/2022</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">01/01/2022 after redesignations</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 26%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Classification</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Amortized Cost</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 18%">Classification</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Gross carrying amount</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 15%">Fair value adjustments (in stockholders&rsquo; equity)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Fair Value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Securities</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 1pt solid; text-align: justify">Brazilian government securities</TD>
    <TD STYLE="border-bottom: black 1pt solid">At amortized cost</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">5,371</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: justify">At fair value through other comprehensive income</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">5,371</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-260</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">5,111</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="color: #EC7000; font-weight: bold">Reconciliation of stockholders&rsquo; equity between IFRS 4 and IFRS 17</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">01/01/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 64%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Stockholders' equity</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Net income</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Stockholders' equity</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Stockholders' equity</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Opening balance in accordance with IFRS 4</TD>
    <TD STYLE="font-weight: bold; text-align: right">173,717</TD>
    <TD STYLE="font-weight: bold; text-align: right">22,964</TD>
    <TD STYLE="font-weight: bold; text-align: right">177,343</TD>
    <TD STYLE="font-weight: bold; text-align: right">164,476</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Measurement of fulfillment cash flows with insurance contracts and private pension portfolios <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: right">220</TD>
    <TD STYLE="text-align: right">-463</TD>
    <TD STYLE="text-align: right">236</TD>
    <TD STYLE="text-align: right">-319</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Redesignation of financial assets related to insurance contracts <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="text-align: right">-321</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-593</TD>
    <TD STYLE="text-align: right">-260</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Deferred taxes on adjustments</TD>
    <TD STYLE="text-align: right">31</TD>
    <TD STYLE="text-align: right">179</TD>
    <TD STYLE="text-align: right">121</TD>
    <TD STYLE="text-align: right">261</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-top: black 1pt solid; border-bottom: black 1pt solid">Total adjustments</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right">-70</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right">-284</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right">-236</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: right">-318</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">Balance according to IFRS 17</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">173,647</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">22,680</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">177,107</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">164,158</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="font-size: 9pt; text-align: justify">1) Calculation of fulfillment cash flows with contracts and contractual service margin according to the modified retrospective approach.<BR>
2) Change in the financial asset measurement model due to its redesignation with the adoption of IFRS 17.</TD></TR>
  </TABLE>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="9" STYLE="color: #EC7000; font-weight: bold">Ita&uacute; Unibanco Holding S.A.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="9" STYLE="color: #003399; font-weight: bold; background-color: white">Consolidated Balance Sheet</TD></TR>
  <TR>
    <TD COLSPAN="9" STYLE="color: #003399; font-size: 9pt; font-style: italic; vertical-align: top">(In millions of reais)</TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 28%">Assets</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; text-align: center; background-color: white; width: 7%">IFRS 4</TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; background-color: white; width: 11%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Reclassifications <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; background-color: white; width: 11%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Remeasurements <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; text-align: center; background-color: white; width: 7%">IFRS 17</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; text-align: center; width: 7%">IFRS 4</TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 11%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Reclassifications <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 11%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Remeasurements <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; text-align: center; width: 7%">IFRS 17</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">01/01/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">01/01/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Balance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid">Cash</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">35,381</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">35,381</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">44,512</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">44,512</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Financial assets</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,172,726</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-1,914</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-593</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,170,219</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,915,573</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-1,579</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-260</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,913,734</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">At Amortized Cost</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,586,992</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-8,203</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,578,789</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,375,782</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-6,950</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,368,832</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">At Fair Value through Other Comprehensive Income</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">121,052</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,289</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-593</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">126,748</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">105,622</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,371</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-260</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">110,733</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">At Fair Value through Profit or Loss</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">464,682</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">464,682</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">434,169</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">434,169</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt; background-color: white">Insurance contracts</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">23</TD>
    <TD STYLE="text-align: right; background-color: white">0</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">23</FONT></TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">68</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">68</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Tax assets</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">59,480</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">165</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">59,645</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">58,433</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">261</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">58,694</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income tax and social contribution - current</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,647</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,647</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,636</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,636</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Income tax and social contribution - deferred</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">51,469</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">165</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">51,634</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">50,831</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">261</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">51,092</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,364</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,364</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,966</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,966</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other assets</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">17,529</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-55</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">17,474</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16,494</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-53</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16,441</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Investments, Fixed asseis, Goodwill and lntangible assets</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">38,324</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">38,324</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">34,194</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">34,194</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total assets</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,323,440</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-1,946</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-428</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,321,066</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,069,206</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-1,564</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,067,643</FONT></TD></TR>
  <TR>
    <TD STYLE="font-size: 9pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; border-bottom: black 0.5pt solid">Liabilities and stockholders' equity</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; text-align: center; background-color: white">IFRS 4</TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Reclassifications <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Remeasurements <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; text-align: center; background-color: white">IFRS 17</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; text-align: center">IFRS 4</TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Reclassifications <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Remeasurements <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; text-align: center">IFRS 17</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">01/01/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">01/01/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Balance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial Liabilities</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,836,690</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,836,690</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,621,786</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,621,786</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: #B7B7B7 0.5pt solid; border-bottom: #B7B7B7 0.5pt solid">Insurance contracts and private pension</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">235,150</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,788</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-236</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">233,126</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">214,976</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,439</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">319</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">213,856</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Provisions and Other liabilities</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">67,519</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-149</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">67,370</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">61,722</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-125</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">61,597</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Tax liabilities</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,738</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-9</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">44</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,773</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,246</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,246</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Incarne tax and social contribution - current</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,950</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,950</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,450</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,450</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Incarne tax and social contribution - deferred</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">345</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">345</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">280</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">280</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Other</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,443</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-9</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">44</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,478</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,516</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,516</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Total liabilities</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,146,097</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-1,946</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-192</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,143,959</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,904,730</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-1,564</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">319</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,903,485</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Total stockholders' equity attributed to the owners of the parent company <SUP>(3)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">167,953</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-236</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">167,717</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">152,864</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-318</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">152,546</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Non-controlling interests</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,390</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,390</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">11,612</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">11,612</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: #B7B7B7 0.5pt solid; border-top-color: #B7B7B7; border-top-width: 0.5pt">Total stockholders' equity</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">177,343</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-236</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">177,107</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">164,476</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-318</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">164,158</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total liabilities and stockholders' equity</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,323,440</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-1,946</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-428</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,321,066</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,069,206</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-1,564</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,067,643</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD COLSPAN="9" STYLE="font-size: 9pt; text-align: justify">1) Refer to the redesignation of assets and liabilities related to the insurance and private pension contracts, as well as the redesignation of related financial assets.<BR>
2) Refer to the calculation of cash flows from compliance with the portfolios of insurance and private pension contracts and adjustment to the fair value of redesignated financial assets.<BR>
3) The effects arising from the adoption of IFRS 17 and Redesignation of Financial Assets, net of taxes, were recognized under Revenue Reserves (R$ (815) at 12/31/2022 and R$ (319) at 01/01/2022) and Other Comprehensive Income (R$ 579 at 12/31/2022 and R$ 1 at 01/01/2022).</TD></TR>
  </TABLE>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Amendments
to IAS 1 &#8211; Presentation of Financial Statements:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 22.5pt; text-align: justify"><B>Information on accounting policies</B>
- requires that only information about material accounting policies is&nbsp;disclosed, eliminating disclosures of information that duplicate
or summarize IFRS requirements. These amendments are effective for the years beginning January 1<SUP>st</SUP>, 2023 and they have no financial
impacts.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Amendments
to IAS 8 - Accounting Policies, Changes in Accounting Estimates and Errors &#8211; Include the definition of accounting estimates: monetary
amounts subject to uncertainties in their measurement. Expected credit loss and the fair value of an asset or liability are examples of
accounting estimates. This change is effective for the years beginning January 1<SUP>st</SUP>, 2023 and there are no impacts for the Consolidated
Financial Statements of ITA&Uacute; UNIBANCO HOLDING.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Amendments
to IAS 12 &#8211; Income Taxes:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 22.5pt; text-align: justify">Deferred taxes on leasing operations
- Require that the lessee recognizes deferred taxes arising from temporary differences generated in the initial recognition of right-of-use
assets&nbsp;and lease liabilities, in compliance with the tax legislation.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 22.5pt; text-align: justify">Pillar Two Model Rules - Introduces
a temporary exception to the recognition and disclosure of effects of the Pillar Two Model Rules issued by the Organization for Economic
Cooperations and Development (OECD), of which Brazil is not an effective member.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 22.5pt; text-align: justify">These amendments are effective for
years beginning January&nbsp;1<SUP>st</SUP>, 2023 and there are no impacts on the Consolidated Financial Statements of ITA&Uacute; UNIBANCO
HOLDING.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>II - Accounting standards
recently issued and applicable in future periods</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Amendments
to IAS 1 &#8211; Presentation of Financial Statements:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 22.5pt; text-align: justify"><B>Segregation between Current and
Non-current Liabilities</B> - clarifies when to consider contractual conditions (covenants) that may affect the unconditional right to
defer the settlement of the liabilities for at least 12 months after the reporting period and includes disclosure requirements for liabilities
with covenants classified as non-current. These changes are effective for fiscal years starting January 1<SUP>st</SUP>, 2024, with retrospective
application. Analyses regarding possible changes in disclosure will be completed by the date the standard becomes effective.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Critical accounting
estimates and judgments</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The preparation of Consolidated Financial
Statements in accordance with the IFRS requires Management to make estimates and assumptions that affect the reported amounts of assets,
liabilities, and contingent&nbsp;liabilities at the date of the Financial Statements, due to uncertainties and the high level of subjectivity
involved in the recognition and measurement of certain items. Estimates and judgments that present a significant risk and may have a material
impact on the values &#8203;&#8203;of assets and liabilities are disclosed below. Actual results may differ from those established by
these estimates and judgments.</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="color: #EC7000; font-weight: bold; border-top: black 1pt solid">Topic</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: black 0.5pt solid; width: 63%">Consolidation</TD>
    <TD STYLE="border-top: black 0.5pt solid; width: 37%">2c I and 3</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Fair value of financial instruments</TD>
    <TD>2c II and 28</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Effective interest rate</TD>
    <TD>2c III, 5, 8, 9 and 10</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Change to financial assets</TD>
    <TD>2c IV, 5, 8, 9 and 10</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Transfer and write-off of financial assets</TD>
    <TD>2c V, 5, 8, 9 and 10</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Expected credit loss</TD>
    <TD>2c VI, 8, 9, 10 and 32</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Goodwill impairment</TD>
    <TD>2c VII and 14</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Deferred income tax and social contribution</TD>
    <TD>2c VIII and 24</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Defined benefit pension plan</TD>
    <TD>2c IX and 26</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Provisions, contingencies and legal obligations</TD>
    <TD>2c X and 29</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD>Insurance and private pension contracts</TD>
    <TD>2c XI and 27</TD></TR>
  </TABLE>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>I - Consolidation</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Subsidiaries are all those in which&nbsp;ITA&Uacute;
UNIBANCO HOLDING&#8217;s&nbsp;involvement exposes it or entitles it to variable returns and where&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;can
affect these returns through its influence on the entity. The existence of control is assessed continuously. Subsidiaries are consolidated
from the date control is established to the date on which it ceases to exist.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The consolidated financial statements are
prepared using consistent accounting policies. Intercompany asset and liability account balances, income accounts and transaction values
have been eliminated.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>II - Fair value of financial
instruments not traded in active markets, including derivatives</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The fair value of financial instruments,
including derivatives that are not traded in active markets, is calculated by using valuation techniques based on assumptions that consider
market information and conditions. The main assumptions are: historical data and information on similar transactions. For more complex
or illiquid instruments, significant judgment is necessary to determine the model used with the selection of specific inputs and, in certain
cases, evaluation adjustments are applied to the model amount or price quoted for financial instruments that are not actively traded.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>III - Effective interest
rate</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For the&nbsp;calculation of the effective
interest rate, ITA&Uacute; UNIBANCO HOLDING estimates cash flows considering all contractual terms of the financial instrument, but without
considering future credit losses. The calculation includes all commissions paid or received between parties to the contract, transaction
costs, and all other premiums or discounts.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Interest revenue is calculated by applying
the effective interest rate to the gross carrying amount of a financial asset. In the case of purchased or originated credit impaired
financial assets, the adjusted effective interest rate is applied, taking into account the expected credit loss, to the amortized cost
of the financial asset.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV - Modification of
financial assets</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The factors used to determine whether there
has been substantial modification of a contract are: evaluation if there is a renegotiation that is not part of the original contractual
terms, significant&nbsp;change to contractual cash flows and significant extensions of the term of the transaction due to the debtor's
financial constraints, significant changes to the interest rate and change to the currency in which the transaction is denominated.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>V - Transfer and write-off
of financial assets</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">When there are no reasonable expectations
of recovery of a financial asset, considering historical curves, its total or partial write-off is carried out concurrently with the use
of the related allowance for expected credit loss, with no material effects on the Consolidated Statement of Income of ITA&Uacute; UNIBANCO
HOLDING. Subsequent recoveries of amounts previously written off are accounted for as income in the Consolidated Statement of Income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Thus, financial assets are written off,
either totally or partially, when there is no reasonable expectation of recovering a financial asset or when&nbsp;ITA&Uacute; UNIBANCO
HOLDING&nbsp;substantially transfers all risks and benefits of ownership and said transfer is qualified to be written off.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>VI - Expected credit
loss</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The measurement of expected credit loss
requires the application of significant assumptions and use of quantitative models. Management exercises its judgment in the assessment
of the adequacy of the expected loss amounts resulting from models and, according to its experience, makes adjustments that may result
from certain client&#8217; credit condition or temporary adjustments resulting from situations or new circumstances that have not been
reflected in the modeling yet.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The main assumptions are:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Term
to maturity</B>: ITA&Uacute; UNIBANCO HOLDING considers the maximum contractual period during which it will be exposed to a financial
instrument&#8217;s credit risk. However, the estimated useful life of assets that do not have fixed maturity date is based on the period
of exposure to credit risk. Additionally, all contractual terms are taken into account when determining the expected life, including prepayment
and rollover options.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Prospective
information: </B>IFRS 9 requires a balanced and impartial estimate of credit loss that includes forecasts of future economic conditions.
ITA&Uacute; UNIBANCO HOLDING uses macroeconomic forecasts and public information with projections prepared internally to determine the
impact of these estimates on the calculation of expected credit loss. The main prospective information used to determine the expected
loss is related to Selic Rate, Credit Default Swap (CDS), unemployment rate, Gross Domestic Product (GDP), wages, industrial production
and retail sales.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Macroeconomic
scenarios:&nbsp;</B>This information involves inherent risks, market uncertainties and other factors that may give rise to results different
from those expected.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Probability-weighted
loss scenarios:</B>&nbsp;ITA&Uacute; UNIBANCO HOLDING uses weighted scenarios to determine credit loss expected over a suitable observation
horizon adequate to classification in stages, considering the projection based on economic variables.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Determining
criteria for significant increase or decrease in credit risk</B>: ITA&Uacute; UNIBANCO HOLDING determines triggers (indicators) of significant
increase&nbsp;in the credit risk of a financial asset&nbsp;since its initial recognition. The migration of the financial asset to an earlier
stage occurs with a consistent reduction in credit risk, mainly characterized by the non-activation of credit deterioration triggers for
at least 6 months. Triggers are determined&nbsp;on an individual or collective basis. For collective
assessment purposes, financial assets are grouped based on characteristics of shared credit risk, considering the type of instrument,
credit risk classifications, initial recognition date, remaining term, industry,&nbsp;among other significant factors.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>VII - Goodwill impairment</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The review of goodwill due to impairment
reflects the Management's best estimate for future cash flows of Cash Generating Units (CGU), with the identification of the CGU and estimate
of their fair value less costs to sell and/or value in use.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">To determine this estimate,&nbsp;ITA&Uacute;
UNIBANCO HOLDING&nbsp;adopts the discounted cash flow methodology for a period of 5 years, macroeconomic assumptions, growth rate and
discount rate.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The discount rate generally reflects financial
and economic variables, such as the risk-free interest rate and a risk premium.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Cash-Generating Units or CGU groups are
identified at the lowest level at which goodwill is monitored for internal management purposes.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>VIII - Deferred income
tax and social contribution</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Deferred tax assets are recognized only
in relation to deductible temporary differences, tax losses and social contribution loss carryforwards for offset only to the extent that
it is probable that&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;will generate future taxable profit for its use. The expected realization of
deferred tax assets is based on the projection of future taxable profits and technical studies.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IX - Defined benefit
pension plans</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The current amount of pension plans is obtained
from actuarial calculations, which use assumptions such as discount rate, which is appropriated at the end of each year and used to determine
the present value of estimated future cash outflows. To determine the appropriate discount rate,&nbsp;ITA&Uacute; UNIBANCO HOLDING considers
the interest rates of National Treasury Notes that have maturity terms similar to the terms of the respective liabilities.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The main assumptions for Pension plan obligations
are partly based on current market conditions.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>X - Provisions and contingencies</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;periodically
reviews its provisions and contingencies which are evaluated based on management&acute;s best estimates, taking into account the opinion
of legal counsel when there is a likelihood that financial resources will be required to settle the obligations and the amounts may be
reasonably estimated.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Contingencies classified as probable losses
are recognized in the Balance Sheet under Provisions.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Contingent amounts are measured using appropriate
models and criteria that permit their measurement, despite the uncertainty&nbsp;inherent in timing and amounts.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>XI - Insurance contracts
and private pension</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">To estimate fulfillment cash flows and expected
profitability (contractual service margin),&nbsp;ITA&Uacute; UNIBANCO HOLDING uses actuarial models and assumptions, exercising judgment
mainly to establish: (i) the aggregation of contracts; (ii) the period of service provided; (iii) discount rate; (iv) actuarial calculation
models; (v) risk adjustment for&nbsp;non-financial risk&nbsp;models and confidence levels; (vi) the group's level of profitability; and
(vii) contract coverage unit. The main assumptions used are: (i) inflow assumptions: contributions and premiums; (ii) outflow assumptions:
conversion rates into income, redemptions, cancellation rate and loss ratio; (iii) discount rate; (iv) biometric tables; and (v) risk
adjustment for non-financial risk.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Regarding the assessment components separation
of an insurance contract, the investment component that exists in ITA&Uacute; UNIBANCO HOLDING&#8217;s private pension contracts of is
highly interrelated with the insurance component, that is, the investment component (accumulation phase) is necessary to measure the payments
to be made to the insured party (benefit granting phase).</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The assumptions used in the measurement
of insurance contracts and private pension are reviewed periodically and are based on best practices and analysis of the experience of
ITA&Uacute; UNIBANCO HOLDING.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The discount rate used by&nbsp;ITA&Uacute;
UNIBANCO HOLDING to bring the projected cash flows from insurance contracts and private pension to present value is obtained by building
a Term Structure of Interest Rates with internal modeling, which represents a set of vertices that contain the expectation of an interest
rate associated with a term (or maturity). In addition to considering the characteristics of the indexing units of each portfolio (IGPM,
IPCA and TR), the discount rate has a component that aims at reflecting the differences between the liquidity characteristics of the financial
instruments that substantiate the rates observed in the market and the liquidity characteristics of insurance contracts (a &#8220;bottom-up&#8221;
approach).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Specifically for insurance products, cash
flows are projected using the method known as the run-off triangle on a quarterly basis. For private pension plans, cash flows are projected
based on assumptions applicable to the product.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Risk adjustment for non-financial risk is
obtained by resampling based on claims data by grouping, using the Monte Carlo statistical method. Resampling is brought to present value
using the discount rate applied to future cash flows. Based on this, percentiles proportional to the confidence level are calculated,
determined in an interval between 60% and 70%, depending on the group.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Biometric tables represent the probability
of death, survival or disability of an insured party. For&nbsp;death and survival estimates, the latest Brazilian Market Insurer Experience
tables (BR-EMS) are used, adjusted by the criterion of development of longevity expectations of the G Scale, and for the estimates of
entry into disability, the &Aacute;lvaro Vindas table is used.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The conversion rate into income reflects
the historical expectation of converting the balances accumulated by insured parties into retirement benefits, and the decision is influenced
by behavioral, economic and tax factors.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>d) Summary of main accounting
practices</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>I - Consolidation</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>I.I - Subsidiaries</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In accordance with IFRS 10 - Consolidated
Financial Statements, subsidiaries are all entities in which&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;holds control.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In the 3rd quarter of 2018,&nbsp;ITA&Uacute;
UNIBANCO HOLDING started&nbsp;adjusting the financial statements of its subsidiaries in Argentina to reflect the effects of hyperinflation,
pursuant to IAS 29 - Financial Reporting in Hyperinflationary Economies.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="10">The following table shows the main consolidated companies, which together represent over 95% of total consolidated assets, as well as the interests of ITA&Uacute; UNIBANCO HOLDONG in their voting capital:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Functional Currency <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Incorporation Country</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Activity</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Interest in voting capital %</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Interest in total capital %</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 31%">In Brazil</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 18%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Banco Ita&uacute; BBA S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Financial institution</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Banco Ita&uacute; Consignado S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Financial institution</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Banco Itaucard S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Financial institution</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Cia. Ita&uacute; de Capitaliza&ccedil;&atilde;o</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Premium Bonds</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Dibens Leasing S.A. - Arrendamento Mercantil</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Leasing</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Financeira Ita&uacute; CBD S.A. Cr&eacute;dito, Financiamento e Investimento</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Consumer finance credit</TD>
    <TD STYLE="text-align: right">50.00%</TD>
    <TD STYLE="text-align: right">50.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">50.00%</TD>
    <TD STYLE="text-align: right">50.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hipercard Banco M&uacute;ltiplo S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Financial institution</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Ita&uacute; Corretora de Valores S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Securities Broker</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Ita&uacute; Seguros S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Insurance</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Ita&uacute; Unibanco S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Financial institution</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Ita&uacute; Vida e Previd&ecirc;ncia S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Pension plan</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Luizacred S.A. Sociedade de Cr&eacute;dito, Financiamento e Investimento</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Consumer finance credit</TD>
    <TD STYLE="text-align: right">50.00%</TD>
    <TD STYLE="text-align: right">50.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">50.00%</TD>
    <TD STYLE="text-align: right">50.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Redecard Institui&ccedil;&atilde;o de Pagamento S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Brazil</TD>
    <TD STYLE="text-align: center">Acquirer</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Foreign</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Ita&uacute; Colombia S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Colombian peso</TD>
    <TD STYLE="text-align: center">Colombia</TD>
    <TD STYLE="text-align: center">Financial institution</TD>
    <TD STYLE="text-align: right">66.33%</TD>
    <TD STYLE="text-align: right">65.27%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">66.33%</TD>
    <TD STYLE="text-align: right">65.27%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Banco Ita&uacute; (Suisse) S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Swiss franc</TD>
    <TD STYLE="text-align: center">Switzerland</TD>
    <TD STYLE="text-align: center">Financial institution</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Banco Ita&uacute; Argentina S.A. <SUP>(2)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Argentine peso</TD>
    <TD STYLE="text-align: center">Argentina</TD>
    <TD STYLE="text-align: center">Financial institution</TD>
    <TD STYLE="text-align: right">0.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">0.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Banco Ita&uacute; Paraguay S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Guarani</TD>
    <TD STYLE="text-align: center">Paraguay</TD>
    <TD STYLE="text-align: center">Financial institution</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Banco Ita&uacute; Uruguay S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Uruguayan peso</TD>
    <TD STYLE="text-align: center">Uruguay</TD>
    <TD STYLE="text-align: center">Financial institution</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Itau Bank, Ltd.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">Real</TD>
    <TD STYLE="text-align: center">Cayman Islands</TD>
    <TD STYLE="text-align: center">Financial institution</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Itau BBA International plc</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">US Dollar</TD>
    <TD STYLE="text-align: center">United Kingdom</TD>
    <TD STYLE="text-align: center">Financial institution</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Itau BBA USA Securities Inc.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">US Dollar</TD>
    <TD STYLE="text-align: center">United States</TD>
    <TD STYLE="text-align: center">Securities Broker</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">100.00%</TD>
    <TD STYLE="text-align: right">100.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">Banco Ita&uacute; Chile</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center">Chilean peso</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center">Chile</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center">Financial institution</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">66.69%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">65.62%</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">66.69%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">65.62%</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="10" STYLE="font-size: 9pt; text-align: justify">1) All overseas offices of ITA&Uacute; UNIBANCO HOLDING have the same functional currency as the parent company, except for Ita&uacute; Chile New York Branch and Ita&uacute; Unibanco S.A. Miami Branch, which use the US dollar.<BR>
2) Banco lta&uacute; Argentina S.A. makes up the ITA&Uacute; UNIBANCO HOLDING until 07/31/2023 (Note 3).</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>I.II - Business combinations</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In general, a business consists of an integrated
set of activities and assets that may be conducted and managed so as to provide a return, in the form of dividends, lower costs or other
economic benefits, to investors or other stockholders, members or participants. If there is goodwill in a set of activities and assets
transferred, it is presumed to be a business.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The acquisition method is used to account
for business combinations, except for those classified as under common control.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Acquisition cost is measured at the fair
value of the assets transferred, equity instruments issued and liabilities incurred or assumed at the acquisition date. Acquired assets
and assumed liabilities and contingent liabilities identifiable in a business combination are initially measured at fair value at the
date of acquisition, regardless of the existence of non-controlling interests. When the amount paid, plus non-controlling interests, is
higher than the fair value of identifiable net assets acquired, the difference will be accounted for as goodwill. On the other hand, if
the difference is negative, it will be treated as negative goodwill and the amount will be recognized directly in income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>I.III - Goodwill</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Goodwill is not amortized, but its recoverable
value is assessed semiannually or when there is an indication of impairment loss using an approach that involves the identification of
Cash Generating Units (CGU) and the estimate of its fair value less the cost to sell and/or its value in use.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The breakdown of Goodwill and Intangible
assets is described in Note 14.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>I.IV - Capital Transactions with non-controlling
stockholders</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Changes in an ownership interest in a subsidiary,
which do not result in a loss of control, are accounted for as capital transactions and any difference between the amount paid and the
carrying amount of non-controlling stockholders is recognized directly in stockholders' equity.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>II - Foreign currency
translation</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>II.I - Functional and presentation currency</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Consolidated Financial Statements of&nbsp;ITA&Uacute;
UNIBANCO HOLDING are presented in Brazilian Reais, its functional and presentation currency. For each subsidiary, joint venture or investment
in associates,&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;defines the functional currency as the currency of the primary economic environment
in which the entity operates.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>II.II - Foreign currency
operations</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Foreign currency operations are translated
into the functional currency using the exchange rates prevailing on the dates of the transactions. Foreign exchange gains and losses are
recognized in the consolidated statement of income, unless they are related to cash flow hedges and hedges of net investment in foreign
operations, which are recognized in stockholders&#8217; equity.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>III - Cash and cash equivalents</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Defined as cash and current accounts with
banks, shown in the Balance Sheet under the headings Cash, Interbank Deposits and Securities purchased under agreements to resell (Collateral
Held) with original maturities not exceeding 90 days.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV - Financial assets
and liabilities</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Financial assets and liabilities are offset
against each other and the net amount is reported in the Balance Sheet only when there is a legally enforceable right to offset them and
the intention to settle them on a net basis, or to simultaneously realize the asset and settle the liability.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV.I - Initial recognition
and derecognition</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Financial assets and liabilities are initially
recognized at fair value and subsequently measured at amortized cost or fair value.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Regular purchases and sales of financial
assets are recognized and derecognized, respectively, on the trading date.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Financial assets are partially or fully
derecognized when:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>the
contractual rights to the cash flows of the financial asset expire, or</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>ITA&Uacute;
UNIBANCO HOLDING&nbsp;transfers the financial asset and this transfer qualifies for derecognition.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The financial liabilities are derecognized&nbsp;when
they are extinguished, i.e., when the obligation specified in the contract is discharged, cancelled or expires.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>Derecognition of financial assets</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Financial assets are derecognized when ITA&Uacute;
UNIBANCO HOLDING&nbsp;substantially transfers all risks and benefits of its property. In the event it is not possible to identify the
transfer of all risks and benefits, the control should be assessed to determine the continuous involvement related to the transaction.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">If there is a retention of risks and benefits,
the financial asset continues to be recorded and a liability is recognized for the consideration received.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV.II Classification
and subsequent measurement of financial assets</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Financial assets are classified in the following
categories:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Amortized
cost: used when financial assets are managed to obtain contractual cash flows, consisting solely of payments of principal and interest.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Fair
value through other comprehensive income: used when financial assets are held both for obtaining contractual cash flows, consisting solely
of payments of principal and interest, and for sale.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Fair
value through profit or loss: used for financial assets that do not meet the aforementioned criteria.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The classification and subsequent measurement
of financial assets depend on:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
business model under which they are managed.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
characteristics of their cash flows (Solely Payment of Principal and Interest Test &#8211; SPPI Test).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Business model: </B>represents how financial
assets are managed to generate cash flows and does not depend on the Management&#8217;s intention regarding an individual instrument.
Financial assets may be managed with the purpose of: i) obtaining contractual cash flows; ii) obtaining contractual cash flows and sale;
or iii) others. To assess business models,&nbsp;ITA&Uacute; UNIBANCO HOLDING considers risks that affect the performance of the business
model; how the managers of the business are compensated; and how the performance of the business model is assessed and reported to Management.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">When a financial asset is subject to business
models i) or ii) the application of the SPPI Test is required.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>SPPI Test:</B> assessment of cash flows
generated by a financial instrument for the purpose of checking whether they represent solely payments of principal and interest. To fit
into this concept, cash flows should include only consideration for the time value of money and credit risk. If contractual terms introduce
risk exposure or cash flow volatilities, such as exposure to changes in prices of equity instruments or prices of commodities, the financial
asset is classified at fair value through profit or loss. Hybrid contracts must be assessed as a whole, including all embedded characteristics.
The accounting of a hybrid contract that contains an embedded derivative is performed on a joint basis, i.e. the whole instrument is measured
at fair value through profit or loss.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Amortized cost</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Amortized cost is the amount at which the
financial asset or liability is measured at initial recognition, plus adjustments made under the effective interest method, less repayments&nbsp;of
principal and interest, and any provision for expected credit loss.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Fair value</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Fair value is the price that would be received
for the sale of an asset or that would be paid for the transfer of a liability in an orderly transaction between market participants on
the measurement date.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;classifies
the fair value hierarchy according to the relevance of data observed in the measurement process.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Details of the fair value of financial instruments,
including Derivatives, and of the hierarchy of fair value are given in Note 28.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The adjustment to fair value of financial
assets and liabilities is recognized:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>In
stockholders' equity for financial assets and liabilities measured at fair value through other comprehensive income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>In
the Consolidated Statement of Income, under the heading Income of Financial Assets and Liabilities at Fair Value through Profit or Loss,
for the other financial assets and liabilities.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Average cost is used to determine the gains
and losses realized on disposal of financial assets at fair value, which are recorded in the Consolidated Statement of Income as Interest
and similar income and Income of Financial Assets and Liabilities at Fair Value through Profit or Loss. Dividends on assets at fair value
through other comprehensive income are recognized in the Consolidated Statement of Income as Interest and similar income when it is probable
that ITA&Uacute; UNIBANCO HOLDING&nbsp;'s&nbsp;right to receive such dividends is assured.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Equity instruments</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">An equity instrument is any contract that
evidences a residual interest in an entity&#8217;s assets, after the deduction of all its liabilities, such as Shares and Units.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;subsequently
measures all its equity instruments at fair value through profit or loss, except when Management opts, on initial recognition, to irrevocably
designate an equity instrument at fair value through other comprehensive income when it is held for a purpose other than only generating
returns. When this option is selected, gains and losses on the fair value of the instrument are recognized in the Consolidated Statement
of Comprehensive Income and are not subsequently reclassified to the Consolidated Statement of Income, even on sale. Dividends continue
to be recognized in the Consolidated Statement of Income as Interest and similar income, when ITA&Uacute; UNIBANCO HOLDING&#8217;s right
to receive them is assured.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Gains and losses on equity instruments measured
at fair value through profit or loss are recorded in the Consolidated Statement of Income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Expected credit loss&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;makes
a forward-looking assessment of the expected credit loss on financial assets measured at amortized cost or through other comprehensive
income, loan commitments and financial guarantee contracts:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Financial
assets:</B> loss is measured at present value of the difference between contractual cash flows and the cash flows that&nbsp;ITA&Uacute;
UNIBANCO HOLDING expects to receive.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Loan
commitments:</B> expected loss is measured at present value of the difference between contractual cash flows that would be due if the
commitment was drawn down and the cash flows that ITA&Uacute; UNIBANCO HOLDING expects to receive.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Financial
guarantees: </B>the loss is measured at the difference between the payments expected for refunding the counterparty and the amounts that
ITA&Uacute; UNIBANCO HOLDING expects to recover.&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;applies
a three-stage approach to measuring the expected credit loss, in which financial assets migrate from one stage to the other in accordance
with changes in credit risk.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Stage
1 &#8211; 12-month expected credit loss: represents default events possible within 12 months. Applicable to financial assets which are
not credit impaired when purchased or originated.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Stage
2 &#8211; Lifetime expected credit loss of financial instrument: considers all possible default events. Applicable to financial assets
originated which are not credit impaired when originated or purchased but for which credit risk has increased significantly.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Stage
3 &#8211; Credit loss expected for credit-impaired assets: considers all possible default events. Applicable to financial assets which
are credit impaired when purchased or originated. The measurement of assets classified in this stage is different from Stage 2 due to
the recognition of interest income by applying the effective interest rate to amortized cost (net of provision) rather than to the gross
carrying amount.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">An asset will migrate between stages as
its credit risk increases or decreases. Therefore, a financial asset that migrated to stages 2 and 3 may return to stage 1, unless it
was purchased or originated as a credit impaired financial asset.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Macroeconomic scenarios</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Forward-looking information is based on
macroeconomic scenarios that are reassessed annually or when market conditions so require.&nbsp;Additional information is described in
Note&nbsp;32.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Modification of contractual
cash flows</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">When contractual cash flows of a financial
asset are renegotiated or otherwise modified and this does not substantially change its terms and conditions,&nbsp;ITA&Uacute; UNIBANCO
HOLDING does not derecognize it. However, the gross carrying amount of this financial asset is recalculated as the present value of the
renegotiated or changed contractual cash flows, discounted at the original effective interest rate and a modification gain or loss is
recognized in profit or loss. Any costs or fees incurred adjust the modified carrying amount and are amortized over the remaining term
of the financial asset.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">If, on the other hand, the renegotiation
or change substantially modifies the terms and conditions of the financial asset,&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;derecognizes
the original asset and recognizes a new one. Accordingly, the renegotiation date is taken as the initial recognition date of the new asset
for expected credit loss calculation purposes, and to determine significant increases in credit risk.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;also assesses
if the new financial asset may be considered as a purchased or originated credit impaired financial asset, particularly when the renegotiation
was motivated by the debtor&#8217;s financial constraints. Differences between the carrying amount of the original asset and fair value
of the new asset are immediately recognized in the Consolidated Statement of Income.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The effects of changes in cash flows of
financial assets and other details about methodologies and assumptions adopted by Management to measure the allowance for expected credit
loss, including the use of prospective information, are detailed in Note&nbsp;32.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV.III - Classification
and subsequent measurement of financial liabilities</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Financial liabilities are subsequently measured
at amortized cost, except for:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%"><B>&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</B></FONT><B>Financial
liabilities at fair value through profit or loss:</B> this classification applied to derivatives and other financial liabilities designated
at fair value through profit or loss to reduce &#8220;accounting mismatches&#8221;.&nbsp;ITA&Uacute; UNIBANCO HOLDING irrevocably designates
financial liabilities at fair value&nbsp;through profit or loss in the initial recognition (fair value option), when the option eliminates
or significantly reduces measurement or recognition inconsistencies.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%"><B>&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</B></FONT><B>Loan
commitments and financial guarantees:</B> see details in Note 2d IV.VlIl.&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Modification of financial
liabilities</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">A debt instrument change or substantial
terms modification of a financial liability is accounted as a derecognition of the original financial liability and a new one is recognized.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">A substantial change to contractual terms
occurs when the discounted present value of cash flows under the new terms, including any fees paid/received and discounted using the
original effective interest rate, is at least 10% different from discounted present value of the remaining cash flow of the original financial
liabilities.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV.IV - Securities purchased
under agreements to resell</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;purchases
financial assets with a resale commitment (resale agreements) and sells securities with a repurchase commitment (repurchase agreement)
of financial assets. Resale and repurchase agreements are accounted for under Securities purchased under agreements to resell and Securities
sold under repurchase agreements, respectively.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The difference between the sale and repurchase
prices is treated as interest and recognized over the life of the agreements using the effective interest rate method.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The financial assets taken as collateral
in resale agreements can be used as collateral for repurchase agreements if provided for in the agreements or can be sold.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV.V -&nbsp;Derivatives</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">All derivatives are accounted for as financial
assets when the fair value is positive and as financial liabilities when the fair value is negative.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The valuation of active hybrid contracts
that are subject to IFRS 9 is carried out as a whole, including all embedded characteristics, whereas the accounting is carried out on
a joint basis, i.e. each instrument is measured at fair value through profit or loss.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">When a contract has a main component outside
the scope of IFRS 9, such as a lease agreement receivable or an insurance contract, or even a financial liability, embedded derivatives
are treated as separate financial instruments if:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Their
characteristics and economic risks are not closely related to those of the main component.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
separate instrument meets the definition of a derivative.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
underlying instrument is not booked at fair value through profit or loss.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">These embedded derivatives are accounted
for separately at fair value, with variations recognized in the Consolidated Statement of Income as Adjustments to Fair Value of Financial
Assets and Liabilities.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING will continue
applying all the hedge accounting requirements of IAS 39; however, it may adopt the provisions of IFRS 9, if Management so decides.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">According to this standard, derivatives
may be designated and qualified as hedging instruments for accounting purposes and, the method for recognizing gains or losses of fair
value will depending on the nature of the hedged item.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">At the beginning of a hedging transaction,&nbsp;ITA&Uacute;
UNIBANCO HOLDING documents the relationship between the hedging instrument and the hedged items, as well as its risk management objective
and&nbsp;strategy. The hedge is assessed on an ongoing basis to determine if it has been highly effective throughout all periods of the
Financial Statements for which it was designated.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">IAS 39 describes three hedging strategies:
fair value hedge, cash flow hedge, and hedge of net investments in a foreign operation.&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;uses derivatives
as hedging instruments under all three hedge strategies, as detailed in Note 7.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Fair value hedge</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The following practices are adopted for
these operations:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
gain or loss arising from the remeasurement of the hedging instrument at fair value is recognized in income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
gain or loss arising from the hedged item, attributable to the effective portion of the hedged risk, is applied to the book value of the
hedged item and is also recognized in income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">When a derivative expires or is sold or
a hedge no longer meets the hedge accounting criteria or in the event the designation is revoked, the hedge accounting must be prospectively
discontinued. In addition, any adjustment to the book value of the hedged item must be amortized in income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Cash flow hedge</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For derivatives that are designated and
qualify as hedging instruments in a cash flow hedge, the practices are:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
effective portion of gains or losses on derivatives is recognized directly in Other comprehensive income &#8211; Cash flow hedge.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
portion of gain or loss on derivatives that represents the ineffective portion or on hedge components excluded from the assessment of
effectiveness is recognized in income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Amounts originally recorded in Other comprehensive
income and subsequently reclassified to Income are recognized in the caption Income of financial assets and Liabilities at fair value
through profit or loss at the same time that the corresponding income or expense item of the financial hedge item affects income. For
non-financial hedge items, the amounts originally recognized in Other comprehensive income are included in the initial cost of the corresponding
asset or liability.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">When a derivative expires or is sold, when
hedge accounting criteria are no longer met or when the entity revokes the hedge accounting designation, any cumulative gain or loss existing
in Other comprehensive income will be reclassified to income at the time the expected transaction occurs or is no longer expected to occur.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Hedge of net investments
in foreign operations</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The hedge of a net investment in a foreign
operation, including the hedge of a monetary item that is booked as part of the net investment, is accounted for in a manner similar to
a cash flow hedge:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
portion of gain or loss on the hedging instrument determined as effective is recognized in Other comprehensive income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
ineffective portion is recognized in income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Gains or losses on the hedging instrument
related to the effective portion of the hedge which are recognized in Other comprehensive income are reclassified to income for the period
when the foreign operation is partially or totally sold.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV.VI - Loan operations</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;classifies
a loan as non-performing if the payment of the principal or interest has been overdue for 60 days or more. In this case, accrual of interest
is no longer recognized.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV.VII - Premium bonds
plans</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In Brazil, Premium bonds plans are regulated
by the insurance regulator. These plans do not meet the definition of an insurance contract under IFRS 17, and therefore they are classified
as a financial liability at amortized cost under IFRS 9.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Revenue from premium bonds plans is recognized
during the period of the contract and measured as the difference between the amount deposited by the customer and the amount that ITA&Uacute;
UNIBANCO HOLDING&nbsp;has to reimburse.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV.VIII - Loan commitments
and financial guarantees</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;recognizes
as an obligation in the Balance Sheet, on the issue date, the fair value of commitments for loans and financial guarantees. The fair value
is generally represented by the fee charged to the customer. This amount is amortized over the term of the instrument and is recognized
in the&nbsp;Statement of Income under the heading Commissions and Banking Fees.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">After issue, if&nbsp;ITA&Uacute; UNIBANCO
HOLDING&nbsp;concludes based on the best estimate, that the expected credit loss in relation to the guarantee issued is higher than the
fair value less accumulated amortization, this amount is replaced by a provision for loss.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>V - Investments in associates
and joint ventures</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>V.I - Associates</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Associates are companies in which the investor
has a significant influence but does not hold control. Investments in these companies are initially recognized at cost of acquisition
and subsequently accounted for using the equity method. Investments in associates and joint ventures include the goodwill identified upon
acquisition, net of any cumulative impairment loss.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>V.II - Joint ventures</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;has joint
ventures whereby the parties that have joint control of the arrangement have rights to the net assets.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&#8217;s share
in profits or losses of its associates and joint ventures after acquisition is recognized in the Consolidated statement of income. Its
share of the changes in the share in other comprehensive income of corresponding stockholders&#8217; equity of its associates and joint
ventures is recognized in its own capital reserves. The cumulative changes after acquisition are adjusted against the carrying amount
of the investment. When the ITA&Uacute; UNIBANCO HOLDING&#8217;s share of losses in associates and joint ventures is equal to or more
than the value of its interest, including any other receivables, ITA&Uacute; UNIBANCO HOLDING&nbsp;does not recognize additional losses,
unless it has incurred any obligations or made payments on behalf of the associates and joint ventures.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Unrealized profits on transactions between
ITA&Uacute; UNIBANCO HOLDING&nbsp;and its associates and joint ventures are eliminated to the extent of the interest of&nbsp;ITA&Uacute;
UNIBANCO HOLDING. Unrealized losses are also eliminated, unless the transaction provides evidence of impairment of the transferred asset.
The accounting policies on associates and joint ventures entities are changed, as necessary, to ensure consistency with the policies adopted
by ITA&Uacute; UNIBANCO HOLDING.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">If its interest in the associates and joint
ventures decreases, but&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;retains significant influence or joint control, only the proportional amount
of the previously recognized amounts in Other comprehensive income is reclassified in Income, when appropriate.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>VI - Lease operations
(Lessee)</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;leases
mainly real estate properties (underlying assets) to carry out its business activities. The initial recognition occurs when the agreement
is signed, in the heading Other Liabilities, which corresponds to the total future payments at present value as a counterparty to the
right-of-use assets, depreciated under the straight-line method for the lease term and tested semiannually to identify possible impairment
losses.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The financial expense corresponding to interest
on lease liabilities is recognized in the heading Interest and Similar Expense in the Consolidated Statement of Income.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>VII - Fixed assets</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Fixed assets are booked at their acquisition
cost less accumulated depreciation, and adjusted for impairment, if applicable. Depreciation is calculated on the straight-line method
using rates based on the estimated useful lives of these assets. Such rates and other details are presented in Note 13.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The residual values and useful lives of
assets are reviewed and adjusted, if appropriate, at the end of each period.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;reviews
its assets in order to identify indications of impairment in their recoverable amounts. The recoverable amount of an asset is defined
as the higher of its fair value less the cost to sell and its value in use. For the purposes of assessing impairment, assets are grouped
at the lowest level for which independent cash flows can be identified (cash-generating units). The assessment may be made at an individual
asset level when the fair value less the cost to sell can be reliably determined.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Gains and losses on disposals of fixed assets
are recognized in the Consolidated statement of income under Other income or General and administrative expenses.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>VIII - Intangible assets</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Intangible assets are non-physical assets,
including software and other assets, and are initially recognized at cost. Intangible assets are recognized when they arise from legal
or contractual rights, their costs can be reliably measured, and in the case of intangible assets not arising from separate acquisitions
or business combinations, it is probable that future economic benefits may arise from their use. The balance of intangible assets refers
to acquired assets or those internally generated.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Intangible assets may have definite or indefinite
useful lives. Intangible assets with definite useful lives are amortized using the straight-line method over their estimated useful lives.
Intangible assets with indefinite useful lives are not amortized, but periodically tested in order to identify any impairment.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;semiannually
assesses its intangible assets in order to identify whether any indications of impairment exist, as well as possible reversal of previous
impairment losses. If such indications are found, intangible assets are tested for impairment. The recoverable amount of an asset is defined
as the higher of its fair value less the cost to sell and its value in use. For the purposes of assessing impairment, assets are grouped
at the lowest level for which independent cash flows can be identified (cash-generating units). The assessment may be made at an individual
asset level when the fair value less the cost to sell can be reliably determined.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;uses the
cost model to measure its intangible assets after its initial recognition.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The breakdown of Goodwill and Intangible
assets is described in Note&nbsp;14.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IX - Assets held for
sale</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Assets held for sale are recognized in the&nbsp;balance
sheet under the heading&nbsp;Other assets when they are actually repossessed or there is intention to sell. These assets are initially
recorded at the lower of: (i) the fair value of the asset less the estimated selling expenses, or (ii) the carrying amount of the related
asset held for sale.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>X - Income tax and social
contribution</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">There are two components of the provision
for income tax and social contribution: current and deferred.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The current component is approximately the
total of taxes to be paid or recovered during the reporting period.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Deferred income tax and social contribution,
represented by deferred tax assets and liabilities, is obtained based on the differences between the tax bases of assets and liabilities
and the amounts reported at the end of each period.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The income tax and social contribution expense
is recognized in the Consolidated statement of income under Income tax and social contribution, except when it refers to items directly
recognized in Other comprehensive income, such as: tax on fair value of financial assets measured at fair value through Other comprehensive
income, post-employment benefits and tax on cash flow hedges and hedges of net investment in foreign operations. Subsequently, these items
are recognized in income upon realization of the gain/loss on the instruments.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Changes in tax legislation and rates are
recognized in the Consolidated statement of income in the period in which they are enacted. Interest and fines are recognized in the Consolidated
statement of income under General and administrative expenses.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">To determine the proper level of provisions
for taxes to be maintained for uncertain tax positions, the approach applied, is that a tax benefit is recognized if it is more likely
than not that a position can be sustained, under the assumptions for recognition, detailed in item 2d XIV.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>XI - Insurance contracts
and private pension</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">To measure the groups of insurance contracts
and private pension,&nbsp;ITA&Uacute; UNIBANCO HOLDING will use the three measurement approaches below, considering the characteristics
of the contracts:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Standard
Model (Building Block Approach - BBA):</B> insurance contracts without direct participation feature with coverage longer than 1 year or
that are onerous. The Insurance portfolio basically includes Life, Health, Credit Life and Housing, the first two of which are onerous.
The Private Pension portfolio includes Traditional Plans and Death and Disability Risk Coverage Plans, the former being onerous. Insurance
contracts and private pension classified as onerous are not actively sold, and the contractual conditions of the life insurance contracts
in force are different and classified as profitable.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Variable
Fee Approach (VFA):</B> PGBL and VGBL private pension plans, whose contributions are remunerated at the fair value of the investment fund
specially organized in which the funds are invested.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Simplified
Model (Premium Allocation Approach - PAA):</B> insurance contracts and reinsurance contracts held, whose coverage periods are equal to
or less than one year, comprising mainly: Personal Accidents and Protected Card. As these are short-term contracts, Liability for Remaining
Coverage are not discounted at present value. However, the cash flows of Liability for Incurred Claims are discounted at present value
and adjusted to reflect non-financial risks, since they have payments that are made one year after a claim occurs.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>XII - Post-employment
benefits</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING sponsors Defined
Benefit Plans and Defined Contribution Plans, which are accounted for in accordance with IAS 19 &#8211; Benefits to Employees.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;is required
to make contributions to government social security and labor indemnity plans, in Brazil and in other countries where it operates.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Pension plans - Defined
benefit plans</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The liability or asset, as the case may
be, recognized in the Balance Sheet with respect to a defined benefit plan, corresponds to the present value of defined benefit obligations
at the balance sheet date less the fair value of plan assets. The defined benefit obligations are calculated annually using the projected
unit credit method.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Pension plans - Defined
contribution</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For defined contribution plans, contributions
to plans made by ITA&Uacute; UNIBANCO HOLDING, through pension plan funds, are recognized as liabilities, with a counterparty to expenses,
when due. If contributions made exceed the liability for a service provided, it will be accounted for as an asset recognized at fair value,
and any adjustments are recognized in Stockholders&#8217; equity, under Other comprehensive income, in the period when they occur.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Other post-employment
obligations</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Like defined benefit pension plans, these
obligations are assessed annually by actuarial specialists, and costs expected from these benefits are accrued over the period of employment.
Gains and losses arising from changes in practices and variations in actuarial assumptions are recognized in Stockholders&#8217; equity,
under Other comprehensive income, in the period in which they occur.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>XIII - Share-based payments</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Share-based payments are booked for the
value of equity instruments granted based on their fair value at the grant date. This cost is recognized during the vesting period of
the instruments right.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The total amount to be expensed is determined
by reference to the fair value of the equity instruments excluding the impact of any service commissions and fees and non-market performance
vesting conditions (in particular when an employee remains with the company for specific period of time).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>XIV - Provisions, contingent
assets and contingent liabilities</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">These are possible rights and potential
obligations arising from past events for which realization depends on uncertain future events.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Contingent assets are not recognized in
the Financial Statements, except when the Management of ITA&Uacute; UNIBANCO HOLDING&nbsp;considers that realization is practically certain.
In general&nbsp;they correspond to lawsuits with favorable outcomes in final and unappealable judgments and to the withdrawal of lawsuits
as a result of a settlement payment received or an agreement for set-off against an existing liability.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">These contingencies are evaluated based
on Management&#8217;s best estimates, and are classified as:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Probable:
</B>in which liabilities are recognized in the balance sheet under Provisions.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Possible:
</B>which are disclosed in the Financial Statements, but no provision is recorded.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Remote:
</B>which require neither a provision nor disclosure.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The amount of deposits in guarantee is adjusted
in accordance with current legislation.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>XV - Capital</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Common and preferred shares, which for accounting
purposes are equivalent to common shares but without voting rights are classified in Stockholders&#8217; equity. The additional costs
directly attributable to the issue of new shares are included in Stockholders&#8217; equity as a deduction from the proceeds, net of taxes.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>XVI - Treasury shares</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Common and preferred shares repurchased
are recorded in Stockholders&#8217; equity under Treasury shares at their average purchase price.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Shares that are subsequently sold, such
as those sold to grantees under&nbsp;ITA&Uacute; UNIBANCO HOLDING's&nbsp;share-based payment scheme, are recorded as a reduction in treasury
shares, measured at the average price of treasury stock held at that date.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The difference between the sale price and
the average price of the treasury shares is recorded as a reduction or increase in Capital Reserves. The cancellation of treasury shares
is recorded as a reduction in Treasury shares against Capital Reserves, at the average price of treasury shares at the cancellation date.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>XVII - Dividends and
interest on capital</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Minimum dividend amounts established in
the bylaws are recorded as liabilities at the end of each year. Any other amount above the mandatory minimum dividend is accounted for
as a liability when approved by of the Board of Directors.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Interest on capital is treated for accounting
purposes as a dividend, and it is presented as a reduction of stockholders' equity in the consolidated financial statements.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Dividends have been and continue to be calculated
and paid on the basis of the financial statements prepared under Brazilian accounting standards and regulations for financial institutions,
not these Consolidated financial statements prepared according to the IFRS.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Dividends and interest on capital are presented
in Note&nbsp;19.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>XVIII - Earnings per
share</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;grants
stock options whose dilutive effect is reflected in diluted earnings per share, with the application of the &#8220;treasury stock method&quot;,&nbsp;whereby
earnings per share are calculated as if all the stock options had been exercised and the proceeds used to purchase shares of&nbsp;ITA&Uacute;
UNIBANCO HOLDING.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">Earnings per share are presented in Note&nbsp;25.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>XIX - Segment information</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Segment information disclosed is consistent
with the internal reports prepared for the Executive Committee which makes the operational decisions ITA&Uacute; UNIBANCO HOLDING.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING has three reportable
segments: (i) Retail Business, (ii) Wholesale Business&nbsp;and (iii) Market + Corporation.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Segment information is presented in Note&nbsp;30.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>XX - Commissions and
Banking Fees</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Commissions and Banking Fees are recognized
when&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;provides or offers services to customers, in an amount that reflects the consideration&nbsp;ITA&Uacute;
UNIBANCO HOLDING&nbsp;expects to collect in exchange for those services. A five-step model is applied to account for revenues: i) identification
of the contract with a customer; ii) identification of the performance obligations in the contract; iii) determination of the transaction
price; iv) allocation of the transaction price to the performance obligations in the contract; and&nbsp;v) revenue recognition, when performance
obligations agreed upon in agreements with clients are met. Incremental costs and costs to fulfill agreements with clients are recognized
as an expense as incurred.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The main services provided by&nbsp;ITA&Uacute;
UNIBANCO HOLDING are:&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Credit
and debit cards: </B>refer mainly to fees charged by card issuers and acquirers for processing card transactions, annuities charged for
the availability and management of credit card; and the rental of Rede machines.</P>


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<P STYLE="font: 15pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%"><B>&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</B></FONT><B>Current
account services:</B> substantially composed of current account maintenance fees, according to each service package granted to the customer;
transfers carried through PIX (Central Bank of Brazil's instant payments system) in corporate packages, withdrawals from demand deposit
account and money order.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Economic,
Financial and Brokerage Advisory:</B> refer mainly to financial transaction structuring services, placement of securities and intermediation
of operations on stock exchanges.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Service revenues related to credit, debit,
current account and economic, financial and brokerage advisory cards are recognized when said services are provided.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Funds
management:</B> refers to fees charged for the management and performance of investment funds and consortia administration.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Credit
operations and financial guarantees provided:</B> refer mainly to advance depositor fees, asset appraisal service and commission on guarantees
provided.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Collection
services:</B> refer to collection and charging services.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Revenue from certain services, such as fees
from funds management, collection and custody, are recognized over the life of the respective agreements, as services are provided.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 3 - Business development</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Banco Ita&uacute; Chile</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Banco Ita&uacute; Chile (ITA&Uacute; CHILE)
is controlled as of April 1<SUP>st</SUP>, 2016, by ITA&Uacute; UNIBANCO HOLDING. On the same date, ITA&Uacute; UNIBANCO HOLDING entered
into a shareholders&#8217; agreement with Corp Group, which set forth, among others, the right of ITA&Uacute; UNIBANCO HOLDING and Corp
Group to appoint members for the Board of Directors of ITA&Uacute; CHILE in accordance with their interests in capital stock, and this
group of shareholders had the right to appoint the majority of members of the Board of Directors of ITA&Uacute; CHILE and ITA&Uacute;
UNIBANCO HOLDING&nbsp;had the right to appoint the majority of members elected by this block.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">At the Extraordinary Stockholders' Meeting
of ITA&Uacute; CHILE held on July 13, 2021, the capital increase of ITA&Uacute; CHILE in the total amount of CLP 830 billion was approved,
through the issuance of 461,111,111,111 shares, which were fully subscribed, paid in and settled in October and November 2021, after regulatory
approvals. ITA&Uacute; UNIBANCO HOLDING subscribed the total of 350,048,242,004&nbsp;shares for the amount of CLP 630 billion (approximately
R$ 4,296), then holding 56.60% of the capital of&nbsp;ITA&Uacute; CHILE.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">On March 22, 2022, ITA&Uacute; UNIBANCO
HOLDING, through its subsidiary CGB II SPA, sold 0.64% (6,266,019,265 shares) of its interest in&nbsp;ITA&Uacute; CHILE for the amount
of R$ 64&nbsp;(CLP 9,912 million), then holding 55.96%.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">On July 14, 2022, ITA&Uacute; UNIBANCO HOLDING
received, through its affiliates, shares issued by ITA&Uacute; CHILE within the scope of the debt restructuring of companies of the Corp
Group, as approved by the court-supervised reorganization proceeding in the United States (Chapter 11). Accordingly, the equity interest
increased&nbsp;to 65.62% and the stockholders&#8217; agreement of ITA&Uacute; CHILE was fully terminated.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Between June 6 and July 5, 2023, ITA&Uacute;
UNIBANCO HOLDING carried out a voluntary public offering for the acquisition of outstanding shares issued by&nbsp;ITA&Uacute; CHILE, including
those in the form of American Depositary Shares (ADS), in Chile and the United States of America.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Shareholders holding shares representing
approximately 1.07% of ITA&Uacute; CHILE&#8217;s capital adhered to the voluntary public offering, where 2,122,994 shares and 554,650
ADS (equivalent to 184,883 shares) were acquired through the controlled company ITB Holding Brasil Participa&ccedil;&otilde;es Ltda.,
and, after the acquisitions, ITA&Uacute; UNIBANCO HOLDING now holds 66.69% of the ITA&Uacute; CHILE&#8217;s capital.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The effective acquisitions&nbsp;occurred
on July 08, 2023, and the financial settlements on July 13, 2023, for the amount of&nbsp;R$ 119 (CLP 19,617 millions).</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="background-color: white"><B>Ita&uacute;
Colombia S.A.</B></FONT></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="background-color: white">ITA&Uacute;
UNIBANCO HOLDING, through its subsidiaries ITA&Uacute; CHILE and Ita&uacute; Holding Colombia S.A.S.,&nbsp;acquired additional ownership
interest of 12.36% (93,306,684 shares) in Ita&uacute;&nbsp;Colombia S.A.'s capital for the amount of R$ 2,219.</FONT></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="background-color: white">The
effective acquisitions and financial settlements occurred on February&nbsp;22, 2022, after obtaining the regulatory authorizations.</FONT></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Non-controlling interest in XP Inc.</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">During 2020 and 2021, ITA&Uacute; UNIBANCO
HOLDING carried out the partial spin-off of the investment held in XP Inc. (XP INC) to a new company (XPart S.A.) which was subsequently
merged into XP INC on October 1, 2021.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">On April 29, 2022, as set forth in the original
agreement entered into in May 2017 and after approval by BACEN and regulatory bodies abroad, ITA&Uacute; UNIBANCO HOLDING, through its
subsidiary ITB Holding Brasil Participa&ccedil;&otilde;es Ltda., acquired a minority interest equivalent to 11.36% of XP INC&#8217;s capital,
for the amount of R$ 8,015, and these shares were designated at Fair Value through Other Comprehensive Income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">On June 7 and 9, 2022, shares were sold
equivalent to 1.40% of XP INC&#8217;s capital, for the amount of R$ 867 and their fair value of R$ 901.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In April 2023,&nbsp;XP INC cancelled treasury
shares, resulting in an increase in&nbsp;ITA&Uacute; UNIBANCO HOLDING's ownership interest to 10.54% of&nbsp;XP INC's capital.&nbsp;And,
on June 26, 2023, shares equivalent to&nbsp;1.89% of the&nbsp;XP&nbsp;INC's capital were sold for the amount of R$ 1,068&nbsp;and their
fair value of R$ 1,121,&nbsp;then holding 8.65% of&nbsp;interest in XP INC.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">After dilution of 0.30% in ITA&Uacute; UNIBANCO
HOLDING&#8217;s interest in XP INC&#8217;s capital occurred in July 2023, on September 13, 2023, shares equivalent to&nbsp;0.56% of XP
INC&#8217;s capital were sold for the amount of R$ 375&nbsp;and their fair value of R$ 387,&nbsp;then holding&nbsp;7.79%&nbsp;of interest
in XP INC.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>Acquisition of Ideal Holding Financeira S.A.</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">On January&nbsp;13, 2022,&nbsp;ITA&Uacute;
UNIBANCO HOLDING, through its subsidiary&nbsp;Ita&uacute; Corretora de Valores S.A., entered into a purchase and sale agreement of up
to 100% of capital of Ideal Holding Financeira S.A. (IDEAL). The purchase will be carried out in two phases over five years. In the first
phase,&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;acquired 50.1% of IDEAL&#8217;s total voting capital for R$ 700, starting to hold&nbsp;control
of the company. In the second phase, after five years,&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;may exercise the right to purchase the remaining
ownership interest, in order to reach 100% of IDEAL&#8217;s capital.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">IDEAL is a 100% digital broker and currently
offers electronic trading and DMA (direct market access) solutions, within a flexible and cloud-based platform.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The management and development of IDEAL's
business will continue to be autonomous in relation to ITA&Uacute; UNIBANCO HOLDING, according to the terms and conditions of the Shareholders'
Agreement for this transaction and&nbsp;ITA&Uacute; UNIBANCO HOLDING will not have exclusivity in the provision of services.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The effective acquisitions and financial
settlements occured on March 31, 2023,&nbsp;after the required regulatory approvals are received.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>Zup I.T. Servi&ccedil;os em Tecnologia e Inova&ccedil;&atilde;o
S.A.</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING, through its
controlled company Redecard Institui&ccedil;&atilde;o de Pagamento S.A. (REDE), acquired, in the period, an additional ownership interest
of&nbsp;20.57% (2,228,342 shares) in the capital of Zup I.T. Servi&ccedil;os em Tecnologia e Inova&ccedil;&atilde;o S.A. (ZUP) for the
amount of R$ 199. The purchase and sale agreement,&nbsp;entered into on October 31,&nbsp;2019, sets forth the acquisition of 100% of the
ZUP's capital in three phases; the first phase, which granted the control acquisition, was performed in March 2020. After the acquisitions
in the period,&nbsp;ITA&Uacute; UNIBANCO HOLDING's final ownership interest in ZUP's total capital is 72.51%. The last phase is scheduled
for 2024.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The effective acquisitions and financial
settlements occurred on May 31 and June 14, 2023, after the necessary regulatory authorizations were obtained.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Totvs Techfin S.A.</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">On April 12, 2022, ITA&Uacute; UNIBANCO
HOLDING with TOTVS S.A. (TOTVS) entered into an agreement for the organization of a joint venture,&nbsp;called Totvs Techfin S.A. (TECHFIN),
which will combine technology and financial solutions, adding the supplementary expertise of the partners to provide corporate clients
with, in an expeditious and integrated manner, the best experiences in buying products directly from the platforms already offered by
TOTVS.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">TOTVS contributed with assets of its current
TECHFIN operation to a company of which ITA&Uacute; UNIBANCO HOLDING became a partner with a 50% ownership interest in capital, and each
partner may appoint half of the members of the Board of Directors and the Executive Board.&nbsp;For the ownership interest, ITA&Uacute;
UNIBANCO HOLDING paid TOTVS the amount of R$ 610 and, as a complementary price (earn-out), it will pay up to R$ 450 after five years upon
achievement of goals aligned with the growth and performance purposes.&nbsp;Additionally, ITA&Uacute; UNIBANCO HOLDING will contribute
the funding commitment for current and future operations, credit expertise and development of new products at TECHFIN.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The effective acquisition and financial
settlement occurred on July 31, 2023, after the required regulatory approvals.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>Banco Ita&uacute; Argentina S.A.</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">After obtaining the authorization of the
Central Bank of the Argentine Republic on November 2, 2023, ITA&Uacute; UNIBANCO HOLDING, through Ita&uacute; Unibanco S.A., consummated
the operation for disposing of the totality of their shares held in&nbsp;Banco Ita&uacute; Argentina S.A. and its controlled companies
to Banco Macro S.A.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">On November 3, 2023, ITA&Uacute; UNIBANCO
HOLDING received from Banco Macro S.A., for the completion of the transaction, the approximate amount of&nbsp;R$ 250&nbsp;(US$&nbsp;50&nbsp;millions),
thus generating an impact on the result of the third quarter of 2023 of R$ (1,211).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 4 - Interbank deposits
and securities purchased under agreements to resell</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; background-color: white">09/30/2023</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; background-color: white">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; background-color: white; width: 45%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 9%">Current</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 9%">Non-current</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 9%">Total</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 9%">Current</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 9%">Non-current</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 9%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; background-color: white">Securities purchased under agreements to resell</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">269,716</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">23</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">269,739</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">221,726</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">50</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">221,776</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; background-color: white">Collateral held</TD>
    <TD STYLE="text-align: right; background-color: white">100,811</TD>
    <TD STYLE="text-align: right; background-color: white">23</TD>
    <TD STYLE="text-align: right; background-color: white">100,834</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">69,870</TD>
    <TD STYLE="text-align: right; background-color: white">50</TD>
    <TD STYLE="text-align: right; background-color: white">69,920</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; background-color: white">Collateral repledge</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">134,735</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">0</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">134,735</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">128,542</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">0</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">128,542</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; background-color: white">Assets received as collateral with right to sell or repledge</TD>
    <TD STYLE="text-align: right; background-color: white">11,905</TD>
    <TD STYLE="text-align: right; background-color: white">0</TD>
    <TD STYLE="text-align: right; background-color: white">11,905</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">14,846</TD>
    <TD STYLE="text-align: right; background-color: white">0</TD>
    <TD STYLE="text-align: right; background-color: white">14,846</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; background-color: white">Assets received as collateral without right to sell or repledge</TD>
    <TD STYLE="text-align: right; background-color: white">122,830</TD>
    <TD STYLE="text-align: right; background-color: white">0</TD>
    <TD STYLE="text-align: right; background-color: white">122,830</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">113,696</TD>
    <TD STYLE="text-align: right; background-color: white">0</TD>
    <TD STYLE="text-align: right; background-color: white">113,696</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; background-color: white">Collateral sold</TD>
    <TD STYLE="text-align: right; background-color: white">34,170</TD>
    <TD STYLE="text-align: right; background-color: white">0</TD>
    <TD STYLE="text-align: right; background-color: white">34,170</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">23,314</TD>
    <TD STYLE="text-align: right; background-color: white">0</TD>
    <TD STYLE="text-align: right; background-color: white">23,314</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="background-color: white">Interbank deposits</TD>
    <TD STYLE="text-align: right; background-color: white">39,015</TD>
    <TD STYLE="text-align: right; background-color: white">6,906</TD>
    <TD STYLE="text-align: right; background-color: white">45,921</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">56,672</TD>
    <TD STYLE="text-align: right; background-color: white">2,914</TD>
    <TD STYLE="text-align: right; background-color: white">59,586</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; background-color: white">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; background-color: white">308,731</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; background-color: white">6,929</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; background-color: white">315,660</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; background-color: white">278,398</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; background-color: white">2,964</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; background-color: white">281,362</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In Securities purchased under agreements
to resell, the amounts of R$ 8,783 (R$ 14,576 at 12/31/2022) are pledged in guarantee of operations on B3 S.A. - Brasil, Bolsa, Balc&atilde;o
(B3) and Central Bank of Brazil and the amounts of&nbsp;R$ 168,905&nbsp;(R$ 151,856 at 12/31/2022) are pledged in guarantee of repurchase
commitment transactions.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">&nbsp;In the total portfolio, includes losses
in the amounts of R$ (22) (R$ (9) at 12/31/2022).&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 5 - Financial assets
at fair value through profit or loss and designated at fair value through profit or loss - Securities</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Financial assets at
fair value through profit or loss - Securities</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 37%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 14%">Adjustments to Fair Value (in Income)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Fair value</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 13%">Adjustments to Fair Value (in Income)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Investment funds</TD>
    <TD STYLE="font-weight: bold; text-align: right">25,099</TD>
    <TD STYLE="font-weight: bold; text-align: right">-472</TD>
    <TD STYLE="font-weight: bold; text-align: right">24,627</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">33,011</TD>
    <TD STYLE="font-weight: bold; text-align: right">-520</TD>
    <TD STYLE="font-weight: bold; text-align: right">32,491</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Brazilian government securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">300,538</TD>
    <TD STYLE="font-weight: bold; text-align: right">-816</TD>
    <TD STYLE="font-weight: bold; text-align: right">299,722</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">230,924</TD>
    <TD STYLE="font-weight: bold; text-align: right">-572</TD>
    <TD STYLE="font-weight: bold; text-align: right">230,352</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Government securities &ndash; Latin America</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,899</TD>
    <TD STYLE="font-weight: bold; text-align: right">-38</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,861</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,484</TD>
    <TD STYLE="font-weight: bold; text-align: right">5</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,489</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Government securities &ndash; Abroad</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,936</TD>
    <TD STYLE="font-weight: bold; text-align: right">4</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,940</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,523</TD>
    <TD STYLE="font-weight: bold; text-align: right">5</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,528</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">128,589</TD>
    <TD STYLE="font-weight: bold; text-align: right">-4,101</TD>
    <TD STYLE="font-weight: bold; text-align: right">124,488</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">117,572</TD>
    <TD STYLE="font-weight: bold; text-align: right">-4,893</TD>
    <TD STYLE="font-weight: bold; text-align: right">112,679</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Shares</TD>
    <TD STYLE="text-align: right">25,755</TD>
    <TD STYLE="text-align: right">-962</TD>
    <TD STYLE="text-align: right">24,793</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">16,931</TD>
    <TD STYLE="text-align: right">-1,394</TD>
    <TD STYLE="text-align: right">15,537</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Rural product note</TD>
    <TD STYLE="text-align: right">1,456</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">1,459</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">2,484</TD>
    <TD STYLE="text-align: right">33</TD>
    <TD STYLE="text-align: right">2,517</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Bank deposit certificates</TD>
    <TD STYLE="text-align: right">195</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">195</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">360</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">360</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Real estate receivables certificates</TD>
    <TD STYLE="text-align: right">1,593</TD>
    <TD STYLE="text-align: right">-65</TD>
    <TD STYLE="text-align: right">1,528</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">1,580</TD>
    <TD STYLE="text-align: right">-100</TD>
    <TD STYLE="text-align: right">1,480</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Debentures</TD>
    <TD STYLE="text-align: right">73,807</TD>
    <TD STYLE="text-align: right">-2,975</TD>
    <TD STYLE="text-align: right">70,832</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">66,223</TD>
    <TD STYLE="text-align: right">-3,281</TD>
    <TD STYLE="text-align: right">62,942</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Eurobonds and other</TD>
    <TD STYLE="text-align: right">2,832</TD>
    <TD STYLE="text-align: right">-59</TD>
    <TD STYLE="text-align: right">2,773</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">4,499</TD>
    <TD STYLE="text-align: right">-126</TD>
    <TD STYLE="text-align: right">4,373</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Financial bills</TD>
    <TD STYLE="text-align: right">18,678</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">18,678</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">19,409</TD>
    <TD STYLE="text-align: right">-31</TD>
    <TD STYLE="text-align: right">19,378</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Promissory and commercial notes</TD>
    <TD STYLE="text-align: right">2,857</TD>
    <TD STYLE="text-align: right">-21</TD>
    <TD STYLE="text-align: right">2,836</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right">3,888</TD>
    <TD STYLE="text-align: right">12</TD>
    <TD STYLE="text-align: right">3,900</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 0.5pt solid">Other</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">1,416</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-22</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">1,394</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">2,198</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-6</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">2,192</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">460,061</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">-5,423</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">454,638</TD>
    <TD STYLE="font: 12pt Calibri, Helvetica, Sans-Serif; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">389,514</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">-5,975</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">383,539</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Securities&nbsp;pledged as Guarantee
of Funding of Financial Institutions and Customers and Post-employment benefits (Note 26b), are: a) Brazilian government securities R$
88,781 (R$ 45,746&nbsp; at 12/31/2022), b) Government securities - Latin America R$ 519 (R$ 317 at 12/31/2022), c) Government securities
- Abroad R$ 475 (R$ 0 at 12/31/2022)&nbsp;and d) Corporate securities R$ 10,183 (R$ 14,199 at 12/31/2022), totaling R$ 99,958 (R$ 60,262
at 12/31/2022).&nbsp;</P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="border-bottom: black 1pt solid; text-align: justify">The cost and fair value per maturity of Financial Assets at Fair Value Through Profit or Loss - Securities were as follows:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 38%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 17%">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 16%">Fair value</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 16%">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Current</TD>
    <TD STYLE="font-weight: bold; text-align: right">106,452</TD>
    <TD STYLE="font-weight: bold; text-align: right">104,999</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">147,563</TD>
    <TD STYLE="font-weight: bold; text-align: right">145,722</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Non-stated maturity</TD>
    <TD STYLE="text-align: right">40,443</TD>
    <TD STYLE="text-align: right">39,009</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">39,137</TD>
    <TD STYLE="text-align: right">37,223</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Up to one year</TD>
    <TD STYLE="text-align: right">66,009</TD>
    <TD STYLE="text-align: right">65,990</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">108,426</TD>
    <TD STYLE="text-align: right">108,499</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Non-current</TD>
    <TD STYLE="font-weight: bold; text-align: right">353,609</TD>
    <TD STYLE="font-weight: bold; text-align: right">349,639</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">241,951</TD>
    <TD STYLE="font-weight: bold; text-align: right">237,817</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>From one to five years</TD>
    <TD STYLE="text-align: right">270,663</TD>
    <TD STYLE="text-align: right">268,974</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">170,372</TD>
    <TD STYLE="text-align: right">169,113</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>From five to ten years</TD>
    <TD STYLE="text-align: right">49,782</TD>
    <TD STYLE="text-align: right">49,063</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">49,186</TD>
    <TD STYLE="text-align: right">47,916</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">After ten years</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">33,164</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">31,602</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">22,393</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">20,788</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">460,061</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">454,638</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">389,514</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">383,539</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 20pt; text-align: justify">Financial assets at fair value through
profit or loss - Securities include assets with a fair value of R$ 241,027 (R$ 216,467 at 12/31/2022) that belong to investment funds
wholly owned by Ita&uacute; Vida e Previd&ecirc;ncia S.A. The return of those assets (positive or negative) is fully transferred to customers
of our PGBL and VGBL private pension plans whose premiums (net of fees) are used by our subsidiary to purchase quotas of those investment
funds.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Financial assets
designated at fair value through profit or loss - Securities</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cost</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Adjustments to Fair Value (in Income)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 47%">Brazilian government securities</TD>
    <TD STYLE="border-top: black 0.5pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 12%">-</TD>
    <TD STYLE="text-align: right; width: 13%">-</TD>
    <TD STYLE="text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 13%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 13%">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Total</TD>
    <TD STYLE="color: white; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400; color: white">1</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cost</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Adjustments to Fair Value (in Income)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Brazilian government securities</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="text-align: right">1,505</TD>
    <TD COLSPAN="3" STYLE="text-align: right">55</TD>
    <TD STYLE="text-align: right">1,560</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">1,505</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">55</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">1,560</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="7" STYLE="text-align: justify">The cost and fair value by maturity of financial assets designated as fair value through profit or loss - Securities were as follows:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; border-top: black 1pt solid">01/01/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; border-bottom: black 0.5pt solid">01/01/2022</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair Value</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair Value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Current</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,505</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,560</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Up to one year</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,505</TD>
    <TD STYLE="text-align: right">1,560</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">1,505</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">1,560</TD></TR>
  </TABLE>
<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 6 - Derivatives</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;trades
in derivative financial instruments with various counterparties to manage its overall exposures and to assist its customers in managing
their own exposures.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Futures -</B> Interest rate and foreign
currency futures contracts are commitments to buy or sell a financial instrument at a future date, at an agreed price or yield, and may
be settled in cash or through delivery. The notional amount represents the face value of the underlying instrument. Commodity futures
contracts or financial instruments are commitments to buy or sell commodities (mainly gold, coffee and orange juice) on a future date,
at an agreed price, which are settled in cash. The notional amount represents the quantity of such commodities multiplied by the future
price on the contract date. Daily cash settlements of price movements are made for all instruments.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Forwards -&nbsp;</B>Interest rate forward
contracts are agreements to exchange payments on a specified future date, based on the variation in market interest rates from trade date
to contract settlement date. Foreign exchange forward contracts represent agreements to exchange the currency of one country for the currency
of another at an agreed price, on an agreed settlement date. Financial instrument forward contracts are commitments to buy or sell a financial
instrument on a future date at an agreed price and are settled in cash.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Swaps -</B> Interest rate and foreign
exchange swap contracts are commitments to settle in cash on a future date or dates the differentials between two specific financial indices
(either two different interest rates in a single currency or two different rates each in a different currency), as applied to a notional
principal amount. Swap contracts shown under Other in the table below correspond substantially to inflation rate swap contracts.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Options - </B>Option contracts give the
purchaser, for a fee, the right, but not the obligation, to buy or sell a financial instrument within a limited time, including a flow
of interest, foreign currencies, commodities, or financial instruments at an agreed price that may also be settled in cash, based on the
differential between specific indices.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Credit Derivatives -</B>&nbsp;Credit
derivatives are financial instruments with value deriving from the credit risk on debt issued by a third party (the reference entity),
which permit one party (the buyer of the hedge) to transfer the risk to the counterparty (the seller of the hedge). The seller of the
hedge must pay out as provided for in the contract if the reference entity undergoes a credit event, such as bankruptcy, default or debt
restructuring. The seller of the hedge receives a premium for the hedge but, on the other hand, assumes the risk that the underlying instrument
referenced in the contract undergoes a credit event, and the seller may have to make payment to the purchaser of the hedge for up to the
notional amount of the credit derivative.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The total value of margins pledged in guarantee
by&nbsp;ITA&Uacute; UNIBANCO HOLDING was&nbsp;R$ 22,787&nbsp;(R$ 13,504&nbsp;at 12/31/2022) and was basically composed of government securities.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Further information on parameters used to
manage risks, may be found in Note&nbsp;32 &#8211; Risk and Capital Management.&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Derivatives Summary</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="9" STYLE="text-align: justify">See below the composition of the Derivative financial instruments portfolio (assets and liabilities) by type of instrument, stated fair value and maturity date.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 30%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Fair value</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 6%">%</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">0-30</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">31-90</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">91-180</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">181-365</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">366-720</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Over 720 days</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Assets</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swaps &ndash; adjustment receivable</TD>
    <TD STYLE="text-align: right">42,938</TD>
    <TD STYLE="text-align: right">62.7%</TD>
    <TD STYLE="text-align: right">548</TD>
    <TD STYLE="text-align: right">954</TD>
    <TD STYLE="text-align: right">5,013</TD>
    <TD STYLE="text-align: right">2,712</TD>
    <TD STYLE="text-align: right">8,225</TD>
    <TD STYLE="text-align: right">25,486</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Option agreements</TD>
    <TD STYLE="text-align: right">12,594</TD>
    <TD STYLE="text-align: right">18.4%</TD>
    <TD STYLE="text-align: right">3,378</TD>
    <TD STYLE="text-align: right">6,758</TD>
    <TD STYLE="text-align: right">933</TD>
    <TD STYLE="text-align: right">583</TD>
    <TD STYLE="text-align: right">664</TD>
    <TD STYLE="text-align: right">278</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Forwards</TD>
    <TD STYLE="text-align: right">4,054</TD>
    <TD STYLE="text-align: right">5.9%</TD>
    <TD STYLE="text-align: right">3,828</TD>
    <TD STYLE="text-align: right">51</TD>
    <TD STYLE="text-align: right">146</TD>
    <TD STYLE="text-align: right">12</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">17</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Credit derivatives</TD>
    <TD STYLE="text-align: right">319</TD>
    <TD STYLE="text-align: right">0.5%</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">28</TD>
    <TD STYLE="text-align: right">272</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>NDF - Non Deliverable Forward</TD>
    <TD STYLE="text-align: right">8,078</TD>
    <TD STYLE="text-align: right">11.8%</TD>
    <TD STYLE="text-align: right">1,357</TD>
    <TD STYLE="text-align: right">1,592</TD>
    <TD STYLE="text-align: right">3,023</TD>
    <TD STYLE="text-align: right">1,006</TD>
    <TD STYLE="text-align: right">770</TD>
    <TD STYLE="text-align: right">330</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Other Derivative Financial Instruments</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">498</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0.7%</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">266</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">2</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">2</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">5</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">12</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">211</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">68,481</TD>
    <TD STYLE="font-weight: bold; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,378</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,359</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,126</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,325</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,699</TD>
    <TD STYLE="font-weight: bold; text-align: right">26,594</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">% per maturity date</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">13.7%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">13.7%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">13.3%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">6.3%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">14.2%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">38.8%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">0-30</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">31-90</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">91-180</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">181-365</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">366-720</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Over 720 days</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Liabilities</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swaps &ndash; adjustment payable</TD>
    <TD STYLE="text-align: right">-39,658</TD>
    <TD STYLE="text-align: right">63.8%</TD>
    <TD STYLE="text-align: right">-578</TD>
    <TD STYLE="text-align: right">-1,436</TD>
    <TD STYLE="text-align: right">-3,827</TD>
    <TD STYLE="text-align: right">-2,472</TD>
    <TD STYLE="text-align: right">-6,623</TD>
    <TD STYLE="text-align: right">-24,722</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Option agreements</TD>
    <TD STYLE="text-align: right">-12,687</TD>
    <TD STYLE="text-align: right">20.4%</TD>
    <TD STYLE="text-align: right">-412</TD>
    <TD STYLE="text-align: right">-9,668</TD>
    <TD STYLE="text-align: right">-753</TD>
    <TD STYLE="text-align: right">-759</TD>
    <TD STYLE="text-align: right">-615</TD>
    <TD STYLE="text-align: right">-480</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Forwards</TD>
    <TD STYLE="text-align: right">-3,315</TD>
    <TD STYLE="text-align: right">5.3%</TD>
    <TD STYLE="text-align: right">-3,299</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-16</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Credit derivatives</TD>
    <TD STYLE="text-align: right">-320</TD>
    <TD STYLE="text-align: right">0.5%</TD>
    <TD STYLE="text-align: right">-1</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-3</TD>
    <TD STYLE="text-align: right">-1</TD>
    <TD STYLE="text-align: right">-12</TD>
    <TD STYLE="text-align: right">-303</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>NDF - Non Deliverable Forward</TD>
    <TD STYLE="text-align: right">-5,956</TD>
    <TD STYLE="text-align: right">9.6%</TD>
    <TD STYLE="text-align: right">-1,254</TD>
    <TD STYLE="text-align: right">-1,503</TD>
    <TD STYLE="text-align: right">-1,347</TD>
    <TD STYLE="text-align: right">-1,063</TD>
    <TD STYLE="text-align: right">-562</TD>
    <TD STYLE="text-align: right">-227</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Other Derivative Financial Instruments</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-224</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0.4%</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-3</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-4</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-8</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-4</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-69</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-136</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">-62,160</TD>
    <TD STYLE="font-weight: bold; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; text-align: right">-5,547</TD>
    <TD STYLE="font-weight: bold; text-align: right">-12,611</TD>
    <TD STYLE="font-weight: bold; text-align: right">-5,938</TD>
    <TD STYLE="font-weight: bold; text-align: right">-4,299</TD>
    <TD STYLE="font-weight: bold; text-align: right">-7,881</TD>
    <TD STYLE="font-weight: bold; text-align: right">-25,884</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">% per maturity date</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">8.9%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">20.3%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">9.6%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">6.9%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">12.7%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">41.6%</TD></TR>
  </TABLE>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 31%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Fair value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 6%">%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">0-30</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">31-90</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">91-180</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">181-365</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">366-720</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Over 720 days</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Assets</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swaps &ndash; adjustment receivable</TD>
    <TD STYLE="text-align: right">46,902</TD>
    <TD STYLE="text-align: right">59.9%</TD>
    <TD STYLE="text-align: right">4,866</TD>
    <TD STYLE="text-align: right">1,022</TD>
    <TD STYLE="text-align: right">1,635</TD>
    <TD STYLE="text-align: right">2,842</TD>
    <TD STYLE="text-align: right">8,261</TD>
    <TD STYLE="text-align: right">28,276</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Option agreements</TD>
    <TD STYLE="text-align: right">23,671</TD>
    <TD STYLE="text-align: right">30.3%</TD>
    <TD STYLE="text-align: right">15,610</TD>
    <TD STYLE="text-align: right">923</TD>
    <TD STYLE="text-align: right">1,443</TD>
    <TD STYLE="text-align: right">4,283</TD>
    <TD STYLE="text-align: right">802</TD>
    <TD STYLE="text-align: right">610</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Forwards</TD>
    <TD STYLE="text-align: right">601</TD>
    <TD STYLE="text-align: right">0.8%</TD>
    <TD STYLE="text-align: right">460</TD>
    <TD STYLE="text-align: right">74</TD>
    <TD STYLE="text-align: right">58</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">6</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Credit derivatives</TD>
    <TD STYLE="text-align: right">492</TD>
    <TD STYLE="text-align: right">0.6%</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">461</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>NDF - Non Deliverable Forward</TD>
    <TD STYLE="text-align: right">6,140</TD>
    <TD STYLE="text-align: right">7.9%</TD>
    <TD STYLE="text-align: right">1,632</TD>
    <TD STYLE="text-align: right">1,095</TD>
    <TD STYLE="text-align: right">926</TD>
    <TD STYLE="text-align: right">1,220</TD>
    <TD STYLE="text-align: right">995</TD>
    <TD STYLE="text-align: right">272</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Other Derivative Financial Instruments</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">402</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0.5%</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">1</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">28</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">1</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">5</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">26</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">341</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">78,208</TD>
    <TD STYLE="font-weight: bold; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; text-align: right">22,572</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,142</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,073</TD>
    <TD STYLE="font-weight: bold; text-align: right">8,362</TD>
    <TD STYLE="font-weight: bold; text-align: right">10,093</TD>
    <TD STYLE="font-weight: bold; text-align: right">29,966</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">% per maturity date</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">28.9%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">4.0%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">5.2%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">10.7%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">12.9%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">38.3%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">0-30</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">31-90</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">91-180</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">181-365</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">366-720</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Over 720 days</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Liabilities</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swaps &ndash;&nbsp;&nbsp;adjustment payable</TD>
    <TD STYLE="text-align: right">-39,068</TD>
    <TD STYLE="text-align: right">50.8%</TD>
    <TD STYLE="text-align: right">-2,835</TD>
    <TD STYLE="text-align: right">-881</TD>
    <TD STYLE="text-align: right">-1,241</TD>
    <TD STYLE="text-align: right">-2,992</TD>
    <TD STYLE="text-align: right">-7,344</TD>
    <TD STYLE="text-align: right">-23,775</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Option agreements</TD>
    <TD STYLE="text-align: right">-29,882</TD>
    <TD STYLE="text-align: right">38.9%</TD>
    <TD STYLE="text-align: right">-3,221</TD>
    <TD STYLE="text-align: right">-2,973</TD>
    <TD STYLE="text-align: right">-9,214</TD>
    <TD STYLE="text-align: right">-12,900</TD>
    <TD STYLE="text-align: right">-901</TD>
    <TD STYLE="text-align: right">-673</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Forwards</TD>
    <TD STYLE="text-align: right">-65</TD>
    <TD STYLE="text-align: right">0.1%</TD>
    <TD STYLE="text-align: right">-55</TD>
    <TD STYLE="text-align: right">-5</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-5</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Credit derivatives</TD>
    <TD STYLE="text-align: right">-604</TD>
    <TD STYLE="text-align: right">0.8%</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-2</TD>
    <TD STYLE="text-align: right">-1</TD>
    <TD STYLE="text-align: right">-7</TD>
    <TD STYLE="text-align: right">-594</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>NDF - Non Deliverable Forward</TD>
    <TD STYLE="text-align: right">-6,626</TD>
    <TD STYLE="text-align: right">8.6%</TD>
    <TD STYLE="text-align: right">-1,672</TD>
    <TD STYLE="text-align: right">-1,722</TD>
    <TD STYLE="text-align: right">-863</TD>
    <TD STYLE="text-align: right">-1,213</TD>
    <TD STYLE="text-align: right">-707</TD>
    <TD STYLE="text-align: right">-449</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Other Derivative Financial Instruments</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-616</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0.8%</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-219</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-37</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-12</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-53</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-97</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-198</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">-76,861</TD>
    <TD STYLE="font-weight: bold; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; text-align: right">-8,002</TD>
    <TD STYLE="font-weight: bold; text-align: right">-5,618</TD>
    <TD STYLE="font-weight: bold; text-align: right">-11,332</TD>
    <TD STYLE="font-weight: bold; text-align: right">-17,164</TD>
    <TD STYLE="font-weight: bold; text-align: right">-9,056</TD>
    <TD STYLE="font-weight: bold; text-align: right">-25,689</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">% per maturity date</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">10.4%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">7.3%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">14.7%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">22.3%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">11.8%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">33.5%</TD></TR>
  </TABLE>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">The portfolio comprises R$ (424)&nbsp;(R$ 24 at 12/31/2022) pegged
to&nbsp;Libor.&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Derivatives by index
and Risk Factor</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; width: 30%">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; width: 12%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 14%">Off-balance sheet / notional amount</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 16%">Balance sheet account receivable / (received) (payable) / paid</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 14%">Adjustment to fair value (in income / stockholders' equity)</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 14%">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Future contracts</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">865,620</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Purchase commitments</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">266,378</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3,956</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Commodities</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">623</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">244,299</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">17,500</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Commitments to sell</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">599,242</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3,465</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">6,110</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">560,216</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">29,451</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Swap contracts</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">246</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,034</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,280</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Asset position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,069,228</TD>
    <TD STYLE="font-weight: bold; text-align: right">20,075</TD>
    <TD STYLE="font-weight: bold; text-align: right">22,863</TD>
    <TD STYLE="font-weight: bold; text-align: right">42,938</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">191</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">3</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">666</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">4</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,894,233</TD>
    <TD STYLE="text-align: right">17,648</TD>
    <TD STYLE="text-align: right">18,282</TD>
    <TD STYLE="text-align: right">35,930</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">174,138</TD>
    <TD STYLE="text-align: right">2,425</TD>
    <TD STYLE="text-align: right">4,576</TD>
    <TD STYLE="text-align: right">7,001</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Liability position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,069,228</TD>
    <TD STYLE="font-weight: bold; text-align: right">(19,829)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(19,829)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(39,658)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3,174</TD>
    <TD STYLE="text-align: right">(347)</TD>
    <TD STYLE="text-align: right">248</TD>
    <TD STYLE="text-align: right">(99)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,005</TD>
    <TD STYLE="text-align: right">(74)</TD>
    <TD STYLE="text-align: right">60</TD>
    <TD STYLE="text-align: right">(14)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,864,262</TD>
    <TD STYLE="text-align: right">(18,064)</TD>
    <TD STYLE="text-align: right">(14,883)</TD>
    <TD STYLE="text-align: right">(32,947)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">199,787</TD>
    <TD STYLE="text-align: right">(1,344)</TD>
    <TD STYLE="text-align: right">(5,254)</TD>
    <TD STYLE="text-align: right">(6,598)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Option contracts</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,983,866</TD>
    <TD STYLE="font-weight: bold; text-align: right">584</TD>
    <TD STYLE="font-weight: bold; text-align: right">(677)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(93)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Purchase commitments &ndash; long position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">291,036</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,911</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,465)</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,446</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">93,232</TD>
    <TD STYLE="text-align: right">4,562</TD>
    <TD STYLE="text-align: right">(828)</TD>
    <TD STYLE="text-align: right">3,734</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,406</TD>
    <TD STYLE="text-align: right">256</TD>
    <TD STYLE="text-align: right">(15)</TD>
    <TD STYLE="text-align: right">241</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">157,363</TD>
    <TD STYLE="text-align: right">240</TD>
    <TD STYLE="text-align: right">(103)</TD>
    <TD STYLE="text-align: right">137</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">38,035</TD>
    <TD STYLE="text-align: right">853</TD>
    <TD STYLE="text-align: right">(519)</TD>
    <TD STYLE="text-align: right">334</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Commitments to sell &ndash; long position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">695,697</TD>
    <TD STYLE="font-weight: bold; text-align: right">10,365</TD>
    <TD STYLE="font-weight: bold; text-align: right">(2,217)</TD>
    <TD STYLE="font-weight: bold; text-align: right">8,148</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">94,463</TD>
    <TD STYLE="text-align: right">9,160</TD>
    <TD STYLE="text-align: right">(2,195)</TD>
    <TD STYLE="text-align: right">6,965</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,215</TD>
    <TD STYLE="text-align: right">34</TD>
    <TD STYLE="text-align: right">(3)</TD>
    <TD STYLE="text-align: right">31</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">575,599</TD>
    <TD STYLE="text-align: right">340</TD>
    <TD STYLE="text-align: right">83</TD>
    <TD STYLE="text-align: right">423</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">24,420</TD>
    <TD STYLE="text-align: right">831</TD>
    <TD STYLE="text-align: right">(102)</TD>
    <TD STYLE="text-align: right">729</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Purchase commitments &ndash; short position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">280,761</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4,371)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4,375)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">89,215</TD>
    <TD STYLE="text-align: right">(3,217)</TD>
    <TD STYLE="text-align: right">(476)</TD>
    <TD STYLE="text-align: right">(3,693)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,419</TD>
    <TD STYLE="text-align: right">(54)</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">(52)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">153,703</TD>
    <TD STYLE="text-align: right">(221)</TD>
    <TD STYLE="text-align: right">113</TD>
    <TD STYLE="text-align: right">(108)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">36,424</TD>
    <TD STYLE="text-align: right">(879)</TD>
    <TD STYLE="text-align: right">357</TD>
    <TD STYLE="text-align: right">(522)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Commitments to sell &ndash; short position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">716,372</TD>
    <TD STYLE="font-weight: bold; text-align: right">(11,321)</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,009</TD>
    <TD STYLE="font-weight: bold; text-align: right">(8,312)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">95,446</TD>
    <TD STYLE="text-align: right">(9,987)</TD>
    <TD STYLE="text-align: right">3,290</TD>
    <TD STYLE="text-align: right">(6,697)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,325</TD>
    <TD STYLE="text-align: right">(90)</TD>
    <TD STYLE="text-align: right">(3)</TD>
    <TD STYLE="text-align: right">(93)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">588,627</TD>
    <TD STYLE="text-align: right">(328)</TD>
    <TD STYLE="text-align: right">(76)</TD>
    <TD STYLE="text-align: right">(404)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">29,974</TD>
    <TD STYLE="text-align: right">(916)</TD>
    <TD STYLE="text-align: right">(202)</TD>
    <TD STYLE="text-align: right">(1,118)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Forward operations</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,027</TD>
    <TD STYLE="font-weight: bold; text-align: right">735</TD>
    <TD STYLE="font-weight: bold; text-align: right">4</TD>
    <TD STYLE="font-weight: bold; text-align: right">739</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Purchases receivable</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,522</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,255</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1)</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,254</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">37</TD>
    <TD STYLE="text-align: right">37</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">36</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,485</TD>
    <TD STYLE="text-align: right">2,188</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2,188</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">30</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">30</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Purchases payable obligations</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">30</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,532)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,532)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(17)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(17)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1,485)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1,485)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">30</TD>
    <TD STYLE="text-align: right">(30)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(30)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Sales receivable</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,102</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,794</TD>
    <TD STYLE="font-weight: bold; text-align: right">6</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,800</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">184</TD>
    <TD STYLE="text-align: right">179</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">179</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">17</TD>
    <TD STYLE="text-align: right">17</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">18</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">1,568</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,568</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,900</TD>
    <TD STYLE="text-align: right">30</TD>
    <TD STYLE="text-align: right">5</TD>
    <TD STYLE="text-align: right">35</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Sales deliverable obligations</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,373</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,782)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,783)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,568</TD>
    <TD STYLE="text-align: right">(1,752)</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(1,753)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">805</TD>
    <TD STYLE="text-align: right">(30)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(30)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Credit derivatives</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">49,324</TD>
    <TD STYLE="font-weight: bold; text-align: right">(51)</TD>
    <TD STYLE="font-weight: bold; text-align: right">50</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Asset position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">28,021</TD>
    <TD STYLE="font-weight: bold; text-align: right">428</TD>
    <TD STYLE="font-weight: bold; text-align: right">(109)</TD>
    <TD STYLE="font-weight: bold; text-align: right">319</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3,611</TD>
    <TD STYLE="text-align: right">91</TD>
    <TD STYLE="text-align: right">38</TD>
    <TD STYLE="text-align: right">129</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">24,397</TD>
    <TD STYLE="text-align: right">337</TD>
    <TD STYLE="text-align: right">(147)</TD>
    <TD STYLE="text-align: right">190</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Liability position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">21,303</TD>
    <TD STYLE="font-weight: bold; text-align: right">(479)</TD>
    <TD STYLE="font-weight: bold; text-align: right">159</TD>
    <TD STYLE="font-weight: bold; text-align: right">(320)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,970</TD>
    <TD STYLE="text-align: right">(42)</TD>
    <TD STYLE="text-align: right">(34)</TD>
    <TD STYLE="text-align: right">(76)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">19,329</TD>
    <TD STYLE="text-align: right">(437)</TD>
    <TD STYLE="text-align: right">193</TD>
    <TD STYLE="text-align: right">(244)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">NDF - Non Deliverable Forward</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">373,273</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,895</TD>
    <TD STYLE="font-weight: bold; text-align: right">227</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,122</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Asset position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">195,891</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,468</TD>
    <TD STYLE="font-weight: bold; text-align: right">610</TD>
    <TD STYLE="font-weight: bold; text-align: right">8,078</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3,740</TD>
    <TD STYLE="text-align: right">539</TD>
    <TD STYLE="text-align: right">(81)</TD>
    <TD STYLE="text-align: right">458</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">192,151</TD>
    <TD STYLE="text-align: right">6,929</TD>
    <TD STYLE="text-align: right">691</TD>
    <TD STYLE="text-align: right">7,620</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Liability position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">177,382</TD>
    <TD STYLE="font-weight: bold; text-align: right">(5,573)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(383)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(5,956)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,832</TD>
    <TD STYLE="text-align: right">(109)</TD>
    <TD STYLE="text-align: right">(30)</TD>
    <TD STYLE="text-align: right">(139)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">175,550</TD>
    <TD STYLE="text-align: right">(5,464)</TD>
    <TD STYLE="text-align: right">(353)</TD>
    <TD STYLE="text-align: right">(5,817)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Other derivative financial instruments</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">8,572</TD>
    <TD STYLE="font-weight: bold; text-align: right">128</TD>
    <TD STYLE="font-weight: bold; text-align: right">146</TD>
    <TD STYLE="font-weight: bold; text-align: right">274</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Asset position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,851</TD>
    <TD STYLE="font-weight: bold; text-align: right">203</TD>
    <TD STYLE="font-weight: bold; text-align: right">295</TD>
    <TD STYLE="font-weight: bold; text-align: right">498</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,374</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">45</TD>
    <TD STYLE="text-align: right">45</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">103</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">1</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">5,295</TD>
    <TD STYLE="text-align: right">204</TD>
    <TD STYLE="text-align: right">(19)</TD>
    <TD STYLE="text-align: right">185</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">79</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">268</TD>
    <TD STYLE="text-align: right">267</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Liability position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,721</TD>
    <TD STYLE="font-weight: bold; text-align: right">(75)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(149)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(224)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">811</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(9)</TD>
    <TD STYLE="text-align: right">(9)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">78</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(1)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">205</TD>
    <TD STYLE="text-align: right">(74)</TD>
    <TD STYLE="text-align: right">(16)</TD>
    <TD STYLE="text-align: right">(90)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">627</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(123)</TD>
    <TD STYLE="text-align: right">(124)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">Asset</TD>
    <TD STYLE="font-weight: bold; text-align: right">48,499</TD>
    <TD STYLE="font-weight: bold; text-align: right">19,982</TD>
    <TD STYLE="font-weight: bold; text-align: right">68,481</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">Liability</TD>
    <TD STYLE="font-weight: bold; text-align: right">(44,962)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(17,198)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(62,160)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">3,537</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">2,784</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">6,321</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="font-weight: bold">Derivative contracts mature as follows (in days):</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid">Off-balance sheet / notional amount</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">0 - 30</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">31 - 180</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">181 - 365</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Over 365 days</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Future contracts</TD>
    <TD STYLE="text-align: right">139,416</TD>
    <TD STYLE="text-align: right">408,629</TD>
    <TD STYLE="text-align: right">122,739</TD>
    <TD STYLE="text-align: right">194,836</TD>
    <TD STYLE="text-align: right">865,620</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swap contracts</TD>
    <TD STYLE="text-align: right">44,645</TD>
    <TD STYLE="text-align: right">633,485</TD>
    <TD STYLE="text-align: right">240,412</TD>
    <TD STYLE="text-align: right">1,150,686</TD>
    <TD STYLE="text-align: right">2,069,228</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Option contracts</TD>
    <TD STYLE="text-align: right">455,640</TD>
    <TD STYLE="text-align: right">1,368,106</TD>
    <TD STYLE="text-align: right">124,900</TD>
    <TD STYLE="text-align: right">35,220</TD>
    <TD STYLE="text-align: right">1,983,866</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Forwards (onshore)</TD>
    <TD STYLE="text-align: right">3,774</TD>
    <TD STYLE="text-align: right">1,001</TD>
    <TD STYLE="text-align: right">2,235</TD>
    <TD STYLE="text-align: right">17</TD>
    <TD STYLE="text-align: right">7,027</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Credit derivatives</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">17,127</TD>
    <TD STYLE="text-align: right">832</TD>
    <TD STYLE="text-align: right">31,365</TD>
    <TD STYLE="text-align: right">49,324</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>NDF - Non Deliverable Forward</TD>
    <TD STYLE="text-align: right">116,020</TD>
    <TD STYLE="text-align: right">170,727</TD>
    <TD STYLE="text-align: right">48,934</TD>
    <TD STYLE="text-align: right">37,592</TD>
    <TD STYLE="text-align: right">373,273</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">Other derivative financial instruments</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">587</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">630</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">943</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">6,412</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">8,572</TD></TR>
  </TABLE>
  <P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>
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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; width: 30%">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; width: 12%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 14%">Off-balance sheet notional amount</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 16%">Balance sheet account receivable / (received) (payable) / paid</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 14%">Adjustment to fair value (in income / stockholders' equity)</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 14%">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Future contracts</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,020,605</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Purchase commitments</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">418,886</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3,395</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">503</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">385,229</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">29,759</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Commitments to sell</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">601,719</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">11,702</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3,896</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">557,806</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">28,315</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Swap contracts</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,948</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,886</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,834</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Asset position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,571,025</TD>
    <TD STYLE="font-weight: bold; text-align: right">22,396</TD>
    <TD STYLE="font-weight: bold; text-align: right">24,506</TD>
    <TD STYLE="font-weight: bold; text-align: right">46,902</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">222</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,509,045</TD>
    <TD STYLE="text-align: right">20,913</TD>
    <TD STYLE="text-align: right">23,502</TD>
    <TD STYLE="text-align: right">44,415</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">61,758</TD>
    <TD STYLE="text-align: right">1,482</TD>
    <TD STYLE="text-align: right">1,003</TD>
    <TD STYLE="text-align: right">2,485</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Liability position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,571,025</TD>
    <TD STYLE="font-weight: bold; text-align: right">-19,448</TD>
    <TD STYLE="font-weight: bold; text-align: right">-19,620</TD>
    <TD STYLE="font-weight: bold; text-align: right">-39,068</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,604</TD>
    <TD STYLE="text-align: right">-180</TD>
    <TD STYLE="text-align: right">59</TD>
    <TD STYLE="text-align: right">-121</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">609</TD>
    <TD STYLE="text-align: right">-5</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">-4</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,491,476</TD>
    <TD STYLE="text-align: right">-18,130</TD>
    <TD STYLE="text-align: right">-18,487</TD>
    <TD STYLE="text-align: right">-36,617</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">77,336</TD>
    <TD STYLE="text-align: right">-1,133</TD>
    <TD STYLE="text-align: right">-1,193</TD>
    <TD STYLE="text-align: right">-2,326</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Option contracts</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,352,201</TD>
    <TD STYLE="font-weight: bold; text-align: right">-5,960</TD>
    <TD STYLE="font-weight: bold; text-align: right">-251</TD>
    <TD STYLE="font-weight: bold; text-align: right">-6,211</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Purchase commitments &ndash; long position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">267,199</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,071</TD>
    <TD STYLE="font-weight: bold; text-align: right">-665</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,406</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">131,529</TD>
    <TD STYLE="text-align: right">1,786</TD>
    <TD STYLE="text-align: right">-131</TD>
    <TD STYLE="text-align: right">1,655</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,347</TD>
    <TD STYLE="text-align: right">43</TD>
    <TD STYLE="text-align: right">-7</TD>
    <TD STYLE="text-align: right">36</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">93,795</TD>
    <TD STYLE="text-align: right">156</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">160</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">39,528</TD>
    <TD STYLE="text-align: right">1,086</TD>
    <TD STYLE="text-align: right">-531</TD>
    <TD STYLE="text-align: right">555</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Commitments to sell &ndash; long position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">419,044</TD>
    <TD STYLE="font-weight: bold; text-align: right">20,238</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,027</TD>
    <TD STYLE="font-weight: bold; text-align: right">21,265</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">138,899</TD>
    <TD STYLE="text-align: right">19,592</TD>
    <TD STYLE="text-align: right">1,094</TD>
    <TD STYLE="text-align: right">20,686</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">904</TD>
    <TD STYLE="text-align: right">18</TD>
    <TD STYLE="text-align: right">-6</TD>
    <TD STYLE="text-align: right">12</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">256,483</TD>
    <TD STYLE="text-align: right">51</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">57</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">22,758</TD>
    <TD STYLE="text-align: right">577</TD>
    <TD STYLE="text-align: right">-67</TD>
    <TD STYLE="text-align: right">510</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Purchase commitments &ndash; short position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">223,496</TD>
    <TD STYLE="font-weight: bold; text-align: right">-7,997</TD>
    <TD STYLE="font-weight: bold; text-align: right">444</TD>
    <TD STYLE="font-weight: bold; text-align: right">-7,553</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">131,361</TD>
    <TD STYLE="text-align: right">-4,448</TD>
    <TD STYLE="text-align: right">155</TD>
    <TD STYLE="text-align: right">-4,293</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,000</TD>
    <TD STYLE="text-align: right">-15</TD>
    <TD STYLE="text-align: right">5</TD>
    <TD STYLE="text-align: right">-10</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">64,256</TD>
    <TD STYLE="text-align: right">-181</TD>
    <TD STYLE="text-align: right">-5</TD>
    <TD STYLE="text-align: right">-186</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">25,879</TD>
    <TD STYLE="text-align: right">-3,353</TD>
    <TD STYLE="text-align: right">289</TD>
    <TD STYLE="text-align: right">-3,064</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Commitments to sell &ndash; short position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">442,462</TD>
    <TD STYLE="font-weight: bold; text-align: right">-21,272</TD>
    <TD STYLE="font-weight: bold; text-align: right">-1,057</TD>
    <TD STYLE="font-weight: bold; text-align: right">-22,329</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">137,322</TD>
    <TD STYLE="text-align: right">-17,467</TD>
    <TD STYLE="text-align: right">-1,087</TD>
    <TD STYLE="text-align: right">-18,554</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">963</TD>
    <TD STYLE="text-align: right">-32</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: right">-22</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">270,585</TD>
    <TD STYLE="text-align: right">-66</TD>
    <TD STYLE="text-align: right">-13</TD>
    <TD STYLE="text-align: right">-79</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">33,592</TD>
    <TD STYLE="text-align: right">-3,707</TD>
    <TD STYLE="text-align: right">33</TD>
    <TD STYLE="text-align: right">-3,674</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Forward operations</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,755</TD>
    <TD STYLE="font-weight: bold; text-align: right">549</TD>
    <TD STYLE="font-weight: bold; text-align: right">-13</TD>
    <TD STYLE="font-weight: bold; text-align: right">536</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Purchases receivable</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">187</TD>
    <TD STYLE="font-weight: bold; text-align: right">452</TD>
    <TD STYLE="font-weight: bold; text-align: right">-4</TD>
    <TD STYLE="font-weight: bold; text-align: right">448</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">157</TD>
    <TD STYLE="text-align: right">157</TD>
    <TD STYLE="text-align: right">-5</TD>
    <TD STYLE="text-align: right">152</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">30</TD>
    <TD STYLE="text-align: right">295</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">296</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Purchases payable obligations</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-30</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-30</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-30</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-30</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Sales receivable</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,901</TD>
    <TD STYLE="font-weight: bold; text-align: right">153</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">153</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">126</TD>
    <TD STYLE="text-align: right">124</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">124</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">6</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">23</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">23</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3,769</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Sales deliverable obligations</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">667</TD>
    <TD STYLE="font-weight: bold; text-align: right">-26</TD>
    <TD STYLE="font-weight: bold; text-align: right">-9</TD>
    <TD STYLE="font-weight: bold; text-align: right">-35</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">23</TD>
    <TD STYLE="text-align: right">-26</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">-25</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">644</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-10</TD>
    <TD STYLE="text-align: right">-10</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Credit derivatives</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">43,808</TD>
    <TD STYLE="font-weight: bold; text-align: right">-101</TD>
    <TD STYLE="font-weight: bold; text-align: right">-11</TD>
    <TD STYLE="font-weight: bold; text-align: right">-112</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Asset position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">28,724</TD>
    <TD STYLE="font-weight: bold; text-align: right">542</TD>
    <TD STYLE="font-weight: bold; text-align: right">-50</TD>
    <TD STYLE="font-weight: bold; text-align: right">492</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,192</TD>
    <TD STYLE="text-align: right">71</TD>
    <TD STYLE="text-align: right">15</TD>
    <TD STYLE="text-align: right">86</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">26,532</TD>
    <TD STYLE="text-align: right">471</TD>
    <TD STYLE="text-align: right">-65</TD>
    <TD STYLE="text-align: right">406</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Liability position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">15,084</TD>
    <TD STYLE="font-weight: bold; text-align: right">-643</TD>
    <TD STYLE="font-weight: bold; text-align: right">39</TD>
    <TD STYLE="font-weight: bold; text-align: right">-604</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,846</TD>
    <TD STYLE="text-align: right">-58</TD>
    <TD STYLE="text-align: right">-58</TD>
    <TD STYLE="text-align: right">-116</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">12,238</TD>
    <TD STYLE="text-align: right">-585</TD>
    <TD STYLE="text-align: right">97</TD>
    <TD STYLE="text-align: right">-488</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">NDF - Non Deliverable Forward</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">326,100</TD>
    <TD STYLE="font-weight: bold; text-align: right">-936</TD>
    <TD STYLE="font-weight: bold; text-align: right">450</TD>
    <TD STYLE="font-weight: bold; text-align: right">-486</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Asset position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">162,554</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,808</TD>
    <TD STYLE="font-weight: bold; text-align: right">332</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,140</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,943</TD>
    <TD STYLE="text-align: right">343</TD>
    <TD STYLE="text-align: right">-2</TD>
    <TD STYLE="text-align: right">341</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">159,611</TD>
    <TD STYLE="text-align: right">5,465</TD>
    <TD STYLE="text-align: right">334</TD>
    <TD STYLE="text-align: right">5,799</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Liability position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">163,546</TD>
    <TD STYLE="font-weight: bold; text-align: right">-6,744</TD>
    <TD STYLE="font-weight: bold; text-align: right">118</TD>
    <TD STYLE="font-weight: bold; text-align: right">-6,626</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">867</TD>
    <TD STYLE="text-align: right">-81</TD>
    <TD STYLE="text-align: right">-4</TD>
    <TD STYLE="text-align: right">-85</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">162,679</TD>
    <TD STYLE="text-align: right">-6,663</TD>
    <TD STYLE="text-align: right">122</TD>
    <TD STYLE="text-align: right">-6,541</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Other derivative financial instruments</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">8,170</TD>
    <TD STYLE="font-weight: bold; text-align: right">44</TD>
    <TD STYLE="font-weight: bold; text-align: right">-258</TD>
    <TD STYLE="font-weight: bold; text-align: right">-214</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Asset position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,261</TD>
    <TD STYLE="font-weight: bold; text-align: right">255</TD>
    <TD STYLE="font-weight: bold; text-align: right">147</TD>
    <TD STYLE="font-weight: bold; text-align: right">402</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,096</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">61</TD>
    <TD STYLE="text-align: right">61</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">72</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">1</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">6,093</TD>
    <TD STYLE="text-align: right">255</TD>
    <TD STYLE="text-align: right">85</TD>
    <TD STYLE="text-align: right">340</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Liability position</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">909</TD>
    <TD STYLE="font-weight: bold; text-align: right">-211</TD>
    <TD STYLE="font-weight: bold; text-align: right">-405</TD>
    <TD STYLE="font-weight: bold; text-align: right">-616</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">467</TD>
    <TD STYLE="text-align: right">-1</TD>
    <TD STYLE="text-align: right">-4</TD>
    <TD STYLE="text-align: right">-5</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Commodities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">47</TD>
    <TD STYLE="text-align: right">-6</TD>
    <TD STYLE="text-align: right">-1</TD>
    <TD STYLE="text-align: right">-7</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">301</TD>
    <TD STYLE="text-align: right">-201</TD>
    <TD STYLE="text-align: right">-15</TD>
    <TD STYLE="text-align: right">-216</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign currency</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">94</TD>
    <TD STYLE="text-align: right">-3</TD>
    <TD STYLE="text-align: right">-385</TD>
    <TD STYLE="text-align: right">-388</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">Asset</TD>
    <TD STYLE="font-weight: bold; text-align: right">52,915</TD>
    <TD STYLE="font-weight: bold; text-align: right">25,293</TD>
    <TD STYLE="font-weight: bold; text-align: right">78,208</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">Liability</TD>
    <TD STYLE="font-weight: bold; text-align: right">-56,371</TD>
    <TD STYLE="font-weight: bold; text-align: right">-20,490</TD>
    <TD STYLE="font-weight: bold; text-align: right">-76,861</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-3,456</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">4,803</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1,347</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="text-align: left">Derivative contracts mature as follows (in days):</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: left">Off-balance sheet &ndash; notional amount</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">0 - 30</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">31 - 180</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">181 - 365</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Over 365 days</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Future contracts</TD>
    <TD STYLE="text-align: right">227,878</TD>
    <TD STYLE="text-align: right">423,571</TD>
    <TD STYLE="text-align: right">216,999</TD>
    <TD STYLE="text-align: right">152,157</TD>
    <TD STYLE="text-align: right">1,020,605</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Swap contracts</TD>
    <TD STYLE="text-align: right">267,484</TD>
    <TD STYLE="text-align: right">151,436</TD>
    <TD STYLE="text-align: right">176,320</TD>
    <TD STYLE="text-align: right">975,785</TD>
    <TD STYLE="text-align: right">1,571,025</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Option contracts</TD>
    <TD STYLE="text-align: right">456,100</TD>
    <TD STYLE="text-align: right">462,790</TD>
    <TD STYLE="text-align: right">374,678</TD>
    <TD STYLE="text-align: right">58,633</TD>
    <TD STYLE="text-align: right">1,352,201</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Forwards</TD>
    <TD STYLE="text-align: right">1,406</TD>
    <TD STYLE="text-align: right">2,637</TD>
    <TD STYLE="text-align: right">706</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">4,755</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Credit derivatives</TD>
    <TD STYLE="text-align: right">3,912</TD>
    <TD STYLE="text-align: right">9,578</TD>
    <TD STYLE="text-align: right">5,144</TD>
    <TD STYLE="text-align: right">25,174</TD>
    <TD STYLE="text-align: right">43,808</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">NDF - Non Deliverable Forward</TD>
    <TD STYLE="text-align: right">116,901</TD>
    <TD STYLE="text-align: right">111,325</TD>
    <TD STYLE="text-align: right">55,411</TD>
    <TD STYLE="text-align: right">42,463</TD>
    <TD STYLE="text-align: right">326,100</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid; text-align: left">Other derivative financial instruments</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">131</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">637</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">1,012</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">6,390</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">8,170</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Off-balance sheet /&nbsp;notional amount
comprises&nbsp;R$ 123,034&nbsp;(R$ 247,631&nbsp;at 12/31/2022)&nbsp;pegged to Libor.&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Derivatives by notional
amount</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="text-align: justify">See below the composition of the Derivative Financial Instruments portfolio by type of instrument, stated at their notional amounts, per trading location (organized or over-the-counter market) and counterparties.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 21%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 11%">Future contracts</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 11%">Swap contracts</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 11%">Option contracts</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 11%">Forwards</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 11%">Credit derivatives</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 11%">NDF - Non Deliverable Forward</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 13%">Other derivative financial instruments</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Stock exchange</TD>
    <TD STYLE="font-weight: bold; text-align: right">865,613</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,368,667</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,887,775</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,898</TD>
    <TD STYLE="font-weight: bold; text-align: right">23,208</TD>
    <TD STYLE="font-weight: bold; text-align: right">106,205</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Over-the-counter market</TD>
    <TD STYLE="font-weight: bold; text-align: right">7</TD>
    <TD STYLE="font-weight: bold; text-align: right">700,561</TD>
    <TD STYLE="font-weight: bold; text-align: right">96,091</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,129</TD>
    <TD STYLE="font-weight: bold; text-align: right">26,116</TD>
    <TD STYLE="font-weight: bold; text-align: right">267,068</TD>
    <TD STYLE="font-weight: bold; text-align: right">8,572</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Financial institutions</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">560,730</TD>
    <TD STYLE="text-align: right">59,133</TD>
    <TD STYLE="text-align: right">3,053</TD>
    <TD STYLE="text-align: right">26,116</TD>
    <TD STYLE="text-align: right">125,964</TD>
    <TD STYLE="text-align: right">5,065</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Companies</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">123,946</TD>
    <TD STYLE="text-align: right">35,095</TD>
    <TD STYLE="text-align: right">76</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">138,460</TD>
    <TD STYLE="text-align: right">3,506</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Individuals</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">15,885</TD>
    <TD STYLE="text-align: right">1,863</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">2,644</TD>
    <TD STYLE="text-align: right">1</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">865,620</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">2,069,228</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">1,983,866</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">7,027</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">49,324</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">373,273</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">8,572</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Future contracts</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Swap contracts</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Option contracts</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Forwards</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Credit derivatives</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">NDF - Non Deliverable Forward</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Other derivative financial instruments</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Stock exchange</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,020,604</TD>
    <TD STYLE="font-weight: bold; text-align: right">991,559</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,255,056</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,696</TD>
    <TD STYLE="font-weight: bold; text-align: right">17,806</TD>
    <TD STYLE="font-weight: bold; text-align: right">70,562</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Over-the-counter market</TD>
    <TD STYLE="font-weight: bold; text-align: right">1</TD>
    <TD STYLE="font-weight: bold; text-align: right">579,466</TD>
    <TD STYLE="font-weight: bold; text-align: right">97,145</TD>
    <TD STYLE="font-weight: bold; text-align: right">59</TD>
    <TD STYLE="font-weight: bold; text-align: right">26,002</TD>
    <TD STYLE="font-weight: bold; text-align: right">255,538</TD>
    <TD STYLE="font-weight: bold; text-align: right">8,170</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Financial institutions</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">465,917</TD>
    <TD STYLE="text-align: right">52,177</TD>
    <TD STYLE="text-align: right">53</TD>
    <TD STYLE="text-align: right">26,002</TD>
    <TD STYLE="text-align: right">117,077</TD>
    <TD STYLE="text-align: right">5,938</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Companies</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">105,076</TD>
    <TD STYLE="text-align: right">43,949</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">137,091</TD>
    <TD STYLE="text-align: right">2,227</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Individuals</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">8,473</TD>
    <TD STYLE="text-align: right">1,019</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">1,370</TD>
    <TD STYLE="text-align: right">5</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,020,605</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,571,025</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,352,201</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">4,755</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">43,808</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">326,100</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">8,170</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>d) Credit derivatives</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="text-align: justify">ITA&Uacute; UNIBANCO HOLDING buys and sells credit protection in order to meet the needs of its customers, to manage and mitigate its portfolios' risk.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="text-align: justify">CDS (credit default swap) is a credit derivative in which, upon a default related to the reference entity, the protection buyer is entitled to receive the amount equivalent to the difference between the face value of the CDS contract and the fair value of the liability on the date the contract was settled, also known as the recovered amount. The protection buyer does not need to hold the reference entity's debt instrument in order to receive the amounts due when a credit event occurs, as per the terms of the CDS contract.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="text-align: justify">TRS (total return swap) is a transaction in which a party swaps the total return of an asset or of a basket of assets for regular cash flows, usually interest and a guarantee against capital loss. In a TRS contract, the parties do not transfer the ownership of the assets.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="text-align: justify">ITA&Uacute; UNIBANCO HOLDING assesses the risk of a credit derivative based on the credit ratings attributed to the reference entity by independent credit rating agencies. Investment grade entities are those for which credit risk is rated as Baa3 or higher, as rated by Moody's, and BBB- or higher, by Standard &amp; Poor&rsquo;s and Fitch Ratings.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 38%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 14%">Maximum potential of future payments, gross</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Up to 1 year</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">From 1 to 3 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">From 3 to 5 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Over 5 years</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">By instrument</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">CDS</TD>
    <TD STYLE="text-align: right">20,881</TD>
    <TD STYLE="text-align: right">1,450</TD>
    <TD STYLE="text-align: right">6,646</TD>
    <TD STYLE="text-align: right">10,870</TD>
    <TD STYLE="text-align: right">1,915</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">TRS</TD>
    <TD STYLE="text-align: right">16,474</TD>
    <TD STYLE="text-align: right">16,474</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid">Total by instrument</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">37,355</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">17,924</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">6,646</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">10,870</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">1,915</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">By risk rating</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Investment grade</TD>
    <TD STYLE="text-align: right">2,862</TD>
    <TD STYLE="text-align: right">71</TD>
    <TD STYLE="text-align: right">1,271</TD>
    <TD STYLE="text-align: right">1,440</TD>
    <TD STYLE="text-align: right">80</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Below investment grade</TD>
    <TD STYLE="text-align: right">34,493</TD>
    <TD STYLE="text-align: right">17,853</TD>
    <TD STYLE="text-align: right">5,375</TD>
    <TD STYLE="text-align: right">9,430</TD>
    <TD STYLE="text-align: right">1,835</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid">Total by risk</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">37,355</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">17,924</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">6,646</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">10,870</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">1,915</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">By reference entity</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Brazilian government</TD>
    <TD STYLE="text-align: right">31,599</TD>
    <TD STYLE="text-align: right">17,273</TD>
    <TD STYLE="text-align: right">4,472</TD>
    <TD STYLE="text-align: right">8,031</TD>
    <TD STYLE="text-align: right">1,823</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Governments &ndash; abroad</TD>
    <TD STYLE="text-align: right">197</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">69</TD>
    <TD STYLE="text-align: right">122</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Private entities</TD>
    <TD STYLE="text-align: right">5,559</TD>
    <TD STYLE="text-align: right">645</TD>
    <TD STYLE="text-align: right">2,105</TD>
    <TD STYLE="text-align: right">2,717</TD>
    <TD STYLE="text-align: right">92</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total by entity</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">37,355</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">17,924</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">6,646</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">10,870</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">1,915</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Maximum potential of future payments, gross</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Up to 1 year</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">From 1 to 3 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">From 3 to 5 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Over 5 years</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">By instrument</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">CDS</TD>
    <TD STYLE="text-align: right">18,156</TD>
    <TD STYLE="text-align: right">2,534</TD>
    <TD STYLE="text-align: right">6,368</TD>
    <TD STYLE="text-align: right">9,176</TD>
    <TD STYLE="text-align: right">78</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">TRS</TD>
    <TD STYLE="text-align: right">16,000</TD>
    <TD STYLE="text-align: right">16,000</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid">Total by instrument</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">34,156</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">18,534</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">6,368</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">9,176</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">78</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">By risk rating</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Investment grade</TD>
    <TD STYLE="text-align: right">1,944</TD>
    <TD STYLE="text-align: right">218</TD>
    <TD STYLE="text-align: right">850</TD>
    <TD STYLE="text-align: right">876</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Below investment grade</TD>
    <TD STYLE="text-align: right">32,212</TD>
    <TD STYLE="text-align: right">18,316</TD>
    <TD STYLE="text-align: right">5,518</TD>
    <TD STYLE="text-align: right">8,300</TD>
    <TD STYLE="text-align: right">78</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid">Total by risk</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">34,156</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">18,534</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">6,368</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">9,176</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">78</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">By reference entity</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Brazilian government</TD>
    <TD STYLE="text-align: right">28,988</TD>
    <TD STYLE="text-align: right">17,195</TD>
    <TD STYLE="text-align: right">4,543</TD>
    <TD STYLE="text-align: right">7,172</TD>
    <TD STYLE="text-align: right">78</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Governments &ndash; abroad</TD>
    <TD STYLE="text-align: right">280</TD>
    <TD STYLE="text-align: right">91</TD>
    <TD STYLE="text-align: right">73</TD>
    <TD STYLE="text-align: right">116</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Private entities</TD>
    <TD STYLE="text-align: right">4,888</TD>
    <TD STYLE="text-align: right">1,248</TD>
    <TD STYLE="text-align: right">1,752</TD>
    <TD STYLE="text-align: right">1,888</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total by entity</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">34,156</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">18,534</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">6,368</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">9,176</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">78</TD></TR>
  </TABLE>

<P STYLE="text-align: center; font: 10pt/107% Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="text-align: justify">The following table presents the notional amount of credit derivatives purchased. The underlying amounts are identical to those for which ITA&Uacute; UNIBANCO HOLDING has sold credit protection.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 20%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 28%">Notional amount of credit protection sold</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 26%">Notional amount of credit protection purchased with identical underlying amount</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 26%">Net position</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: center">CDS</TD>
    <TD STYLE="text-align: right">-20,881</TD>
    <TD STYLE="text-align: right">11,969</TD>
    <TD STYLE="text-align: right">-8,912</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: center">TRS</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-16,474</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-16,474</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: center">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-37,355</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">11,969</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-25,386</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount of credit protection sold</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount of credit protection purchased with identical underlying amount</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Net position</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: center">CDS</TD>
    <TD STYLE="text-align: right">-18,156</TD>
    <TD STYLE="text-align: right">9,652</TD>
    <TD STYLE="text-align: right">-8,504</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: center">TRS</TD>
    <TD STYLE="text-align: right">-16,000</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-16,000</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">-34,156</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">9,652</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">-24,504</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>e) Financial instruments
subject to offsetting, enforceable master netting arrangements and similar agreements</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="7" STYLE="text-align: justify">The following tables set forth the financial assets and liabilities that are subject to offsetting, enforceable master netting arrangements and similar agreements, as well as how these financial assets and liabilities have been presented in ITA&Uacute; UNIBANCO HOLDING's consolidated financial statements. These tables also reflect the amounts of collateral pledged or received in relation to financial assets and liabilities subject to enforceable arrangements that have not been presented on a net basis in accordance with IAS 32.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="7">Financial assets subject to offsetting, enforceable master netting arrangements and similar agreements:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Gross amount of recognized financial assets <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; text-align: center">Gross amount offset in the Balance Sheet</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; text-align: center">Net amount of financial assets presented in the Balance Sheet</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Related amounts not offset in the Balance Sheet <SUP>(2)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Financial instruments <SUP>(3)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center">Cash collateral received</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid; width: 31%">Securities purchased under agreements to resell</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 12%">269,739</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 14%">0</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 14%">269,739</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 11%">-707</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 11%">0</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 7%">269,032</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Derivative financial instruments</TD>
    <TD STYLE="text-align: right">68,481</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">68,481</TD>
    <TD STYLE="text-align: right">-18,619</TD>
    <TD STYLE="text-align: right">-358</TD>
    <TD STYLE="text-align: right">49,504</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Gross amount of recognized financial assets <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; text-align: center">Gross amount offset in the Balance Sheet</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; text-align: center">Net amount of financial assets presented in the Balance Sheet</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Related amounts not offset in the Balance Sheet <SUP>(2)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Financial instruments <SUP>(3)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center">Cash collateral received</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">Securities purchased under agreements to resell</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">221,776</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">221,776</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">-3,930</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">217,846</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">Derivative financial instruments</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">78,208</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">78,208</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-17,507</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-1,005</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">59,696</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="7">Financial liabilities subject to offsetting, enforceable master netting arrangements and similar agreements:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Gross amount of recognized financial liabilities <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; text-align: center">Gross amount offset in the Balance Sheet</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; text-align: center">Net amount of financial liabilities presented in the Balance Sheet</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Related amounts not offset in the Balance Sheet <SUP>(2)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Financial instruments <SUP>(3)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center">Cash collateral pledged</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">Securities sold under repurchase agreements</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">357,682</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">357,682</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">-18,479</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">339,203</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Derivative financial instruments</TD>
    <TD STYLE="text-align: right">62,160</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">62,160</TD>
    <TD STYLE="text-align: right">-18,619</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">43,541</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Gross amount of recognized financial liabilities <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Gross amount offset in the Balance Sheet</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Net amount of financial liabilities presented in the Balance Sheet</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Related amounts not offset in the Balance Sheet <SUP>(2)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Financial instruments <SUP>(3)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cash collateral pledged</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Securities sold under repurchase agreements</TD>
    <TD STYLE="text-align: right">293,440</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">293,440</TD>
    <TD STYLE="text-align: right">-40,156</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">253,284</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">Derivative financial instruments</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">76,861</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">76,861</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-17,507</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">59,354</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="7" STYLE="font-size: 9pt; text-align: justify">1) Includes amounts of master offset agreements and other such agreements, both enforceable and unenforceable.<BR>
2) Limited to amounts subject to enforceable master offset agreements and other such agreements.<BR>
3) Includes amounts subject to enforceable master offset agreements and other such agreements, and guarantees in financial instruments.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="7" STYLE="text-align: justify">Financial assets and financial liabilities are offset in the balance sheet only when there is a legally enforceable right to offset the recognized amounts and there is an intention to settle on a net basis, or realize the asset and settle the liability simultaneously.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="7" STYLE="text-align: justify">Derivative financial instruments and repurchased agreements not set off in the balance sheet relate to transactions in which there are enforceable master netting agreements or similar agreements, but the offset criteria have not been met in accordance with paragraph 42 of IAS 32 mainly because ITA&Uacute; UNIBANCO HOLDING has no intention to settle on a net basis, or realize the asset and settle the liability simultaneously.</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 7 - Hedge accounting</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">There are three types of hedge relations:
Fair value hedge, Cash flow hedge and Hedge of net investment in foreign operations.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In hedge accounting, the groups of risk
factors measured by&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;are:&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Interest
Rate: Risk of loss in transactions subject to interest rate variations.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Currency:
Risk of loss in transactions subject to foreign exchange variation.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The structure of risk limits is extended
to the risk factor level, where specific limits aim at improving the monitoring and understanding process, as well as avoiding concentration
of these risks.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The structures designed for interest rate
and exchange rate categories take into account total risk when there are compatible hedging instruments. In certain cases, management
may decide to hedge a risk for the risk factor term and limit of the hedging instrument.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The other risk factors hedged by the institution
are shown in Note&nbsp;32.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">To protect cash flows and fair value of
instruments designated as hedged items,&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;uses derivative financial instruments and financial assets.
Currently Futures Contracts, NDF (Non Deliverable Forwards), Forwards, Swaps and Financial Assets are used.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;manages
risks through the economic relationship between hedging instruments and hedged items, where the expectation is that these instruments
will move in opposite directions and in the same proportion, with the purpose of neutralizing risk factors.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 20pt; text-align: justify">The designated coverage ratio is always
100% of the risk factor eligible for coverage. Sources of ineffectiveness are in general related to the counterparty&#8217;s credit risk
and possible mismatches of terms between the hedging instrument and the hedged item.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Cash flow hedge</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The cash flow hedge strategies of ITA&Uacute;
UNIBANCO HOLDING consist of hedging exposure to variations in cash flows, in interest payment and currency exposure which are attributable
to changes in interest rates on recognized and unrecognized assets and liabilities.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;applies
cash flow hedge strategies as follows:&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Interest rate risks:</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Hedge
of time deposits and repurchase agreements: to hedge fluctuations in cash flows of interest payments resulting from changes in the DI
interest rate, through futures contracts.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Hedge
of asset transactions: to hedge fluctuations in cash flows of interest receipts resulting from changes in the DI rate, through futures
contracts.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Hedge
of assets denominated in UF*: to hedge fluctuations in cash flows of interest receipts resulting from changes in the UF*, through swap
contracts.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Hedge
of Funding: to hedge fluctuations in cash flows of interest payments resulting from changes in the TPM* rate, through swap contracts.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Hedge
of loan operations: to hedge fluctuations in cash flows of interest receipts resulting from changes in the TPM* rate<B>, </B>through swap
contracts.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Hedge
of repurchase agreements: to hedge fluctuations in cash flows of interest received from changes in Selic (benchmark interest rate), through
futures contracts.</P>

<P STYLE="font: 15pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&#8226;&nbsp;&nbsp;&nbsp;</FONT>Hedging
of expected highly probable transactions: to hedge the risk of variation in the amount of the commitments assumed when resulting from
variation in the exchange rates.</P>

<P STYLE="font: 9pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">*UF &#8211; Chilean unit of account / TPM &#8211; Monetary policy
rate</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;does not
use the qualitative method to evaluate the effectiveness or to measure the ineffectiveness of these strategies.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For cash flow hedge strategies,&nbsp;ITA&Uacute;
UNIBANCO HOLDING uses the hypothetical derivative method. This method is based on a comparison of the change in the fair value of a hypothetical
derivative with terms identical to the critical terms of the variable-rate liability, and this change in the fair value is considered
a proxy of the present value of the cumulative change in the future cash flow expected for the hedged liability.&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Strategies</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Heading</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedged item</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge instrument</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Book Value</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in value recognized in Other comprehensive income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cash flow hedge reserve</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional Amount</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in fair value used to calculate hedge ineffectiveness&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 30%">Interest rate risk</TD>
    <TD STYLE="width: 19%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of deposits and repurchase agreements</TD>
    <TD>Securities sold under agreements to resell</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">124,128</TD>
    <TD STYLE="text-align: right">-434</TD>
    <TD STYLE="text-align: right">-312</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">124,562</TD>
    <TD STYLE="text-align: right">-434</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of assets transactions</TD>
    <TD>Loans and lease operations and Securities</TD>
    <TD STYLE="text-align: right">7,270</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-79</TD>
    <TD STYLE="text-align: right">-79</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">7,193</TD>
    <TD STYLE="text-align: right">-79</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of asset-backed securities under repurchase agreements</TD>
    <TD>Securities purchased under agreements to resell</TD>
    <TD STYLE="text-align: right">38,557</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">532</TD>
    <TD STYLE="text-align: right">50</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">38,805</TD>
    <TD STYLE="text-align: right">532</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of loan operations</TD>
    <TD>Loans and lease operations</TD>
    <TD STYLE="text-align: right">12,285</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">28</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">12,276</TD>
    <TD STYLE="text-align: right">9</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of funding</TD>
    <TD>Deposits</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">3,188</TD>
    <TD STYLE="text-align: right">28</TD>
    <TD STYLE="text-align: right">-27</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">3,216</TD>
    <TD STYLE="text-align: right">28</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of assets denominated in UF</TD>
    <TD>Securities</TD>
    <TD STYLE="text-align: right">14,647</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">14,761</TD>
    <TD STYLE="text-align: right">7</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Foreign exchange risk</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of highly probable forecast transactions</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">165</TD>
    <TD STYLE="text-align: right">-6</TD>
    <TD STYLE="text-align: right">158</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">159</TD>
    <TD STYLE="text-align: right">-6</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of funding</TD>
    <TD>Deposits</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">2,905</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">2,907</TD>
    <TD STYLE="text-align: right">2</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of assets transactions</TD>
    <TD>Loans and lease operations and Securities</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">72,759</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">130,386</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">59</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-170</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">203,879</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">59</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Strategies</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Heading</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedged item</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge instrument</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Book Value</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in value recognized in Other comprehensive income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cash flow hedge reserve</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional Amount</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in fair value used to calculate hedge ineffectiveness&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Interest rate risk</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of deposits and repurchase agreements</TD>
    <TD>Securities sold under agreements to resell</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">149,300</TD>
    <TD STYLE="text-align: right">1,169</TD>
    <TD STYLE="text-align: right">1,169</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">149,210</TD>
    <TD STYLE="text-align: right">1,222</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of assets transactions</TD>
    <TD>Loans and lease operations and Securities</TD>
    <TD STYLE="text-align: right">6,894</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-367</TD>
    <TD STYLE="text-align: right">-367</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,528</TD>
    <TD STYLE="text-align: right">-367</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of asset-backed securities under repurchase agreements</TD>
    <TD>Securities purchased under agreements to resell</TD>
    <TD STYLE="text-align: right">52,916</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-1,508</TD>
    <TD STYLE="text-align: right">-1,508</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">50,848</TD>
    <TD STYLE="text-align: right">-1,508</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of loan operations</TD>
    <TD>Loans and lease operations</TD>
    <TD STYLE="text-align: right">3,283</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-6</TD>
    <TD STYLE="text-align: right">-6</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3,288</TD>
    <TD STYLE="text-align: right">-6</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of funding</TD>
    <TD>Deposits</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">4,692</TD>
    <TD STYLE="text-align: right">91</TD>
    <TD STYLE="text-align: right">91</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4,783</TD>
    <TD STYLE="text-align: right">91</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of assets denominated in UF</TD>
    <TD>Securities</TD>
    <TD STYLE="text-align: right">7,871</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">16</TD>
    <TD STYLE="text-align: right">16</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">7,853</TD>
    <TD STYLE="text-align: right">16</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Foreign exchange risk</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of highly probable forecast transactions</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">343</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">191</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">343</TD>
    <TD STYLE="text-align: right">4</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of funding</TD>
    <TD>Deposits</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">2,549</TD>
    <TD STYLE="text-align: right">-6</TD>
    <TD STYLE="text-align: right">-6</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,543</TD>
    <TD STYLE="text-align: right">-6</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">70,964</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">156,884</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-607</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-420</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">225,396</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-554</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For strategies of deposits and repurchase
agreements to resell, asset transactions and asset-backed securities under repurchase agreements, the entity frequently reestablishes
the coverage ratio, since both the hedged item and the instruments change over time. This occurs because they are portfolio strategies
that reflect the risk management strategy guidelines approved in the proper authority level.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The remaining balance in the reserve of
cash flow hedge for which the hedge accounting is no longer applied is&nbsp;R$ (229) (R$ 187 at 12/31/2022).</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Hedge Instruments</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Book Value <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variations in fair value used to calculate hedge ineffectiveness</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in value&nbsp;&nbsp;recognized in Other comprehensive income&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge ineffectiveness recognized in income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Amount reclassified from Cash flow hedge reserve to income</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 15%">Interest rate risk</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 13%">&nbsp;</TD>
    <TD STYLE="width: 18%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Futures</TD>
    <TD STYLE="text-align: right">170,560</TD>
    <TD STYLE="text-align: right">129</TD>
    <TD STYLE="text-align: right">104</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(94)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Forward</TD>
    <TD STYLE="text-align: right">14,639</TD>
    <TD STYLE="text-align: right">101</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swaps</TD>
    <TD STYLE="text-align: right">15,614</TD>
    <TD STYLE="text-align: right">77</TD>
    <TD STYLE="text-align: right">106</TD>
    <TD STYLE="text-align: right">37</TD>
    <TD STYLE="text-align: right">37</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">7</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Foreign exchange risk</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Futures</TD>
    <TD STYLE="text-align: right">23</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(8)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Forward</TD>
    <TD STYLE="text-align: right">2,918</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">329</TD>
    <TD STYLE="text-align: right">(4)</TD>
    <TD STYLE="text-align: right">(4)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swaps</TD>
    <TD STYLE="text-align: right">125</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">203,879</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">307</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">540</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">59</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">59</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">(95)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Hedge Instruments</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Book Value <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variations in fair value used to calculate hedge ineffectiveness</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in value recognized in Other comprehensive income&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge ineffectiveness recognized in income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Amount reclassified from Cash flow hedge reserve to income</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Interest rate risk</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Futures</TD>
    <TD STYLE="text-align: right">206,586</TD>
    <TD STYLE="text-align: right">31</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">(653)</TD>
    <TD STYLE="text-align: right">(706)</TD>
    <TD STYLE="text-align: right">53</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Forward</TD>
    <TD STYLE="text-align: right">7,853</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">646</TD>
    <TD STYLE="text-align: right">16</TD>
    <TD STYLE="text-align: right">16</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swaps</TD>
    <TD STYLE="text-align: right">8,071</TD>
    <TD STYLE="text-align: right">201</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">85</TD>
    <TD STYLE="text-align: right">85</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Foreign exchange risk</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Futures</TD>
    <TD STYLE="text-align: right">249</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">378</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Forward</TD>
    <TD STYLE="text-align: right">2,278</TD>
    <TD STYLE="text-align: right">136</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swaps</TD>
    <TD STYLE="text-align: right">359</TD>
    <TD STYLE="text-align: right">54</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">225,396</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">424</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">685</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">(554)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">(607)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">53</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">379</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="font-size: 9pt">1) Amounts recorded under heading Derivatives.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Hedge of net investment
in foreign operations</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="8" STYLE="text-align: justify">ITA&Uacute; UNIBANCO HOLDING's strategies for net investments in foreign operations consist of hedging the exposure in the functional currency of the foreign operation against the functional currency of head office.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="8" STYLE="text-align: justify">The risk hedged in this type of strategy is the currency risk.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="8" STYLE="text-align: justify">ITA&Uacute; UNIBANCO HOLDING does not use the qualitative method to evaluate the effectiveness or to measure the ineffectiveness of these strategies.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="8" STYLE="text-align: justify">Instead, ITA&Uacute; UNIBANCO HOLDING uses the Dollar Offset Method, which is based on a comparison of the change in fair value (cash flow) of the hedging instrument, attributable to changes in the exchange rate and the gain (loss) arising from variations in exchange rates on the amount of investment abroad designated as the object of the hedge.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Strategies</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedged item</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge instrument</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Book Value <SUP>(2)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in value recognized in Other comprehensive income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Foreign currency conversion reserve</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in fair value used to calculate hedge ineffectiveness</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 36%">Foreign exchange risk</TD>
    <TD STYLE="text-align: left; width: 7%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 7%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 15%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 12%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 7%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 15%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Hedge of net investment in foreign operations <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">17,399</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-14,421</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-14,421</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">18,464</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-14,598</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">17,399</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-14,421</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-14,421</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">18,464</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-14,598</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Strategies</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedged item</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge instrument</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Book Value <SUP>(2)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in value recognized in Other comprehensive income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Foreign currency conversion reserve</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in fair value used to calculate hedge ineffectiveness</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Foreign exchange risk</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Hedge of net investment in foreign operations <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">8,983</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-14,836</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-14,836</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">9,933</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-14,996</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">8,983</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-14,836</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-14,836</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">9,933</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-14,996</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="font-size: 9pt">1) Hedge instruments consider the gross tax position.<BR>
2) Amounts recorded under heading Derivatives.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The remaining balance in the reserve of
foreign currency conversion, for which the accounting hedge is no longer applied, is R$ (23)&nbsp;(R$ (3,116)&nbsp;at&nbsp;12/31/2022),
with no effect on the result due to the maintenance of investments abroad.</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Hedge instruments</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Book Value <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variations in fair value used to calculate hedge ineffectiveness</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in the value recognized in Other comprehensive income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge ineffectiveness recognized in income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Amount reclassified from foreign currency conversion reserve into income</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 26%">Foreign exchange risk</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 14%">&nbsp;</TD>
    <TD STYLE="width: 14%">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD>
    <TD STYLE="width: 14%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Future</TD>
    <TD STYLE="text-align: right">2,126</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-5,692</TD>
    <TD STYLE="text-align: right">-5,650</TD>
    <TD STYLE="text-align: right">-42</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Future / NDF - Non Deliverable Forward</TD>
    <TD STYLE="text-align: right">11,486</TD>
    <TD STYLE="text-align: right">251</TD>
    <TD STYLE="text-align: right">109</TD>
    <TD STYLE="text-align: right">-4,686</TD>
    <TD STYLE="text-align: right">-4,517</TD>
    <TD STYLE="text-align: right">-169</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Future / Financial Assets</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">4,852</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">6,459</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">327</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-4,220</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-4,254</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">34</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">18,464</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">6,718</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">436</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-14,598</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-14,421</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-177</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Hedge instruments</TD>
    <TD COLSPAN="7" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Book Value <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variations in fair value used to calculate hedge ineffectiveness</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in the value recognized in Other comprehensive income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge ineffectiveness recognized in income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Amount reclassified from foreign currency conversion reserve into income</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Foreign exchange risk</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Future</TD>
    <TD STYLE="text-align: right">1,673</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-5,751</TD>
    <TD STYLE="text-align: right">-5,710</TD>
    <TD STYLE="text-align: right">-41</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Future / NDF - Non Deliverable Forward</TD>
    <TD STYLE="text-align: right">5,186</TD>
    <TD STYLE="text-align: right">176</TD>
    <TD STYLE="text-align: right">126</TD>
    <TD STYLE="text-align: right">-2,521</TD>
    <TD STYLE="text-align: right">-2,411</TD>
    <TD STYLE="text-align: right">-110</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Future / Financial Assets</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">3,074</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">4,380</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">1,839</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-6,724</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-6,715</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-9</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">9,933</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">4,556</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1,965</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-14,996</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-14,836</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-160</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="font-size: 9pt">1) Amounts recorded under heading Derivatives.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Fair value hedge</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The fair value hedging strategy of&nbsp;ITA&Uacute;
UNIBANCO HOLDING&nbsp;consists of hedging the exposure to variation in fair value on the receipt and payment of interest on recognized
assets and liabilities.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;applies
fair value hedges as follows:&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">&nbsp;<B>Interest rate risk and Foreign
exchange risk:</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>To
protect the risk of variation in the fair value of receipt and payment of interest resulting from variations in the fair value of the
variable rates and future foreign exchange rates involved, by contracting swaps and futures.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;does not
use the qualitative method to evaluate the effectiveness or to measure the ineffectiveness of these strategies.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Instead,&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;uses
the percentage approach and dollar offset method:&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
percentage approach is based on the calculation of change in the fair value of the revised estimate for the hedged position (hedged item)
attributable to the protected risk versus the change in the fair value of the derivative hedging instrument.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
dollar offset method is based on the difference between the variation in the fair value of the hedging instrument and the variation in
the fair value of the hedged item attributed to changes in the interest rate and foreign exchange rate.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The effects of hedge accounting on the financial
position and performance of&nbsp;ITA&Uacute; UNIBANCO HOLDING are presented below:</P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Strategies</TD>
    <TD COLSPAN="8" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge Item</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge Instruments</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Book Value <SUP>(1)</SUP></FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair Value</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in fair value recognized in income</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in fair value used to calculate hedge ineffectiveness</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 28%">Interest rate risk</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 16%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of loan operations</TD>
    <TD STYLE="text-align: right">10,674</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">10,459</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(215)</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">10,674</TD>
    <TD STYLE="text-align: right">217</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of funding</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">12,463</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">11,920</TD>
    <TD STYLE="text-align: right">543</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">12,463</TD>
    <TD STYLE="text-align: right">(549)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: justify">Hedge of securities</TD>
    <TD STYLE="text-align: right">13,014</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">12,783</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(231)</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">12,873</TD>
    <TD STYLE="text-align: right">231</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Foreign exchange risk</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: justify">Hedge of firm commitments</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">401</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">412</TD>
    <TD STYLE="text-align: right">(11)</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">400</TD>
    <TD STYLE="text-align: right">11</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">23,688</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">12,864</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">23,242</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">12,332</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">86</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">36,410</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">(90)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Strategies</TD>
    <TD COLSPAN="8" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge Item</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge Instruments</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Book Value <SUP>(1)</SUP></FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair Value</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in fair value recognized in income</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in fair value used to calculate hedge ineffectiveness</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Interest rate risk</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of loan operations</TD>
    <TD STYLE="text-align: right">16,031</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">15,582</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(449)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">16,031</TD>
    <TD STYLE="text-align: right">448</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of funding</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">14,603</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">13,905</TD>
    <TD STYLE="text-align: right">698</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">14,603</TD>
    <TD STYLE="text-align: right">(703)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: justify">Hedge of securities</TD>
    <TD STYLE="text-align: right">7,363</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">7,134</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(229)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">7,317</TD>
    <TD STYLE="text-align: right">225</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">23,394</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">14,603</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">22,716</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">13,905</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">20</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">37,951</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">(30)</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Hedge instruments includes R$ 4,096
(R$ 4,349 at 12/31/2022), related to instruments exposed by the change in reference interest rates - IBORs.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The remaining accumulated amount of fair
value hedge adjustments for items that are no longer hedged is&nbsp;R$ 51&nbsp;(R$ 0 at&nbsp;12/31/2022),&nbsp;with effect on the result
of&nbsp;R$ 36&nbsp;(R$ 0&nbsp;at&nbsp;12/31/2022).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For loan operations strategies, the entity
reestablishes the coverage ratio, since both the hedged item and the instruments change over time. This occurs because they are portfolio
strategies that reflect the risk management strategy guidelines approved in the proper authority level.</P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Hedge Instruments</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Book value <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in fair value used to calculate hedge ineffectiveness</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge ineffectiveness recognized in income</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 29%">Interest rate risk</TD>
    <TD STYLE="width: 11%">&nbsp;</TD>
    <TD STYLE="width: 11%">&nbsp;</TD>
    <TD STYLE="width: 11%">&nbsp;</TD>
    <TD STYLE="width: 19%">&nbsp;</TD>
    <TD STYLE="width: 19%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swaps</TD>
    <TD STYLE="text-align: right">31,062</TD>
    <TD STYLE="text-align: right">891</TD>
    <TD STYLE="text-align: right">951</TD>
    <TD STYLE="text-align: right">-128</TD>
    <TD STYLE="text-align: right">-4</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Futures</TD>
    <TD STYLE="text-align: right">4,948</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Foreign exchange risk</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Futures</TD>
    <TD STYLE="text-align: right">400</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">36,410</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">918</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">951</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-90</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-4</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Hedge Instruments</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Book value <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Variation in fair value used to calculate hedge ineffectiveness</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge ineffectiveness recognized in income</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Liabilities</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Interest rate risk</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swaps</TD>
    <TD STYLE="text-align: right">35,091</TD>
    <TD STYLE="text-align: right">1,002</TD>
    <TD STYLE="text-align: right">929</TD>
    <TD STYLE="text-align: right">-49</TD>
    <TD STYLE="text-align: right">-10</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Futures</TD>
    <TD STYLE="text-align: right">2,860</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">37,951</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">1,006</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">929</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-30</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-10</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="font-size: 9pt; text-align: justify">1) Amounts recorded under heading Derivatives.</TD></TR>
  </TABLE>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="8">The table below presents, for each strategy, the notional amount and the fair value adjustments of hedge instruments and the book value of the hedged item:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid; width: 37%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 10%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 10%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 11%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 10%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 10%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 11%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge instruments</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedged item</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedge instruments</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Hedged item</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value adjustments</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Book Value</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Notional amount</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value adjustments</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Book Value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of deposits and repurchase agreements</TD>
    <TD STYLE="text-align: right">124,562</TD>
    <TD STYLE="text-align: right">-104</TD>
    <TD STYLE="text-align: right">124,128</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">149,210</TD>
    <TD STYLE="text-align: right">-27</TD>
    <TD STYLE="text-align: right">149,300</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of highly probable forecast transactions</TD>
    <TD STYLE="text-align: right">159</TD>
    <TD STYLE="text-align: right">-3</TD>
    <TD STYLE="text-align: right">165</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">343</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">343</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of net investment in foreign operations</TD>
    <TD STYLE="text-align: right">18,464</TD>
    <TD STYLE="text-align: right">6,282</TD>
    <TD STYLE="text-align: right">17,399</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">9,933</TD>
    <TD STYLE="text-align: right">2,591</TD>
    <TD STYLE="text-align: right">8,983</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of loan operations (Fair value)</TD>
    <TD STYLE="text-align: right">10,674</TD>
    <TD STYLE="text-align: right">624</TD>
    <TD STYLE="text-align: right">10,674</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">16,031</TD>
    <TD STYLE="text-align: right">820</TD>
    <TD STYLE="text-align: right">16,031</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of loan operations (Cash flow)</TD>
    <TD STYLE="text-align: right">12,276</TD>
    <TD STYLE="text-align: right">-106</TD>
    <TD STYLE="text-align: right">12,285</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">3,288</TD>
    <TD STYLE="text-align: right">-11</TD>
    <TD STYLE="text-align: right">3,283</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of funding (Fair value)</TD>
    <TD STYLE="text-align: right">12,463</TD>
    <TD STYLE="text-align: right">-796</TD>
    <TD STYLE="text-align: right">12,463</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">14,603</TD>
    <TD STYLE="text-align: right">-762</TD>
    <TD STYLE="text-align: right">14,603</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of funding (Cash flow)</TD>
    <TD STYLE="text-align: right">6,123</TD>
    <TD STYLE="text-align: right">-251</TD>
    <TD STYLE="text-align: right">6,093</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">7,326</TD>
    <TD STYLE="text-align: right">391</TD>
    <TD STYLE="text-align: right">7,241</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of assets transactions</TD>
    <TD STYLE="text-align: right">7,193</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">7,270</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">6,528</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">6,894</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of asset-backed securities under repurchase agreements</TD>
    <TD STYLE="text-align: right">38,805</TD>
    <TD STYLE="text-align: right">129</TD>
    <TD STYLE="text-align: right">38,557</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">50,848</TD>
    <TD STYLE="text-align: right">30</TD>
    <TD STYLE="text-align: right">52,916</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of assets denominated in UF</TD>
    <TD STYLE="text-align: right">14,761</TD>
    <TD STYLE="text-align: right">102</TD>
    <TD STYLE="text-align: right">14,647</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">7,853</TD>
    <TD STYLE="text-align: right">-646</TD>
    <TD STYLE="text-align: right">7,871</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of securities</TD>
    <TD STYLE="text-align: right">12,873</TD>
    <TD STYLE="text-align: right">139</TD>
    <TD STYLE="text-align: right">13,014</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">7,317</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="text-align: right">7,363</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Hedge of firm commitments</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">400</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">401</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">6,016</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">2,407</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: left">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="text-align: center; font: 10pt/107% Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="9">The table below shows the breakdown by maturity of the hedging strategies:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid; width: 41%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 7%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 7%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 7%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 7%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 7%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 7%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 10%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; width: 7%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="8" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">0-1 year</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">1-2 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">2-3 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">3-4 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">4-5 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">5-10 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Over 10 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of deposits and repurchase agreements</TD>
    <TD STYLE="text-align: right">97,757</TD>
    <TD STYLE="text-align: right">13,466</TD>
    <TD STYLE="text-align: right">4,206</TD>
    <TD STYLE="text-align: right">7,039</TD>
    <TD STYLE="text-align: right">895</TD>
    <TD STYLE="text-align: right">1,199</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">124,562</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of highly probable forecast transactions</TD>
    <TD STYLE="text-align: right">159</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">159</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 11pt; font-style: normal; font-weight: 400">Hedge of net investment in foreign operations <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: right">18,464</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">18,464</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of loan operations (Fair value)</TD>
    <TD STYLE="text-align: right">1,957</TD>
    <TD STYLE="text-align: right">1,315</TD>
    <TD STYLE="text-align: right">2,304</TD>
    <TD STYLE="text-align: right">1,152</TD>
    <TD STYLE="text-align: right">2,860</TD>
    <TD STYLE="text-align: right">1,086</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">10,674</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of loan operations (Cash flow)</TD>
    <TD STYLE="text-align: right">5,968</TD>
    <TD STYLE="text-align: right">2,702</TD>
    <TD STYLE="text-align: right">924</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">2,682</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">12,276</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of funding (Fair value)</TD>
    <TD STYLE="text-align: right">3,329</TD>
    <TD STYLE="text-align: right">1,429</TD>
    <TD STYLE="text-align: right">1,478</TD>
    <TD STYLE="text-align: right">489</TD>
    <TD STYLE="text-align: right">485</TD>
    <TD STYLE="text-align: right">4,948</TD>
    <TD STYLE="text-align: right">305</TD>
    <TD STYLE="text-align: right">12,463</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of funding (Cash flow)</TD>
    <TD STYLE="text-align: right">3,610</TD>
    <TD STYLE="text-align: right">1,206</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">358</TD>
    <TD STYLE="text-align: right">579</TD>
    <TD STYLE="text-align: right">370</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">6,123</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of assets transactions</TD>
    <TD STYLE="text-align: right">7,193</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">7,193</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of asset-backed securities under repurchase agreements</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">20,098</TD>
    <TD STYLE="text-align: right">9,471</TD>
    <TD STYLE="text-align: right">9,236</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">38,805</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of assets denominated in UF</TD>
    <TD STYLE="text-align: right">14,761</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">14,761</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of securities</TD>
    <TD STYLE="text-align: right">5,115</TD>
    <TD STYLE="text-align: right">1,819</TD>
    <TD STYLE="text-align: right">474</TD>
    <TD STYLE="text-align: right">218</TD>
    <TD STYLE="text-align: right">2,231</TD>
    <TD STYLE="text-align: right">2,350</TD>
    <TD STYLE="text-align: right">666</TD>
    <TD STYLE="text-align: right">12,873</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of firm commitments (Fair value)</TD>
    <TD STYLE="text-align: right">400</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">400</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">158,713</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">42,035</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">18,857</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">18,492</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">9,732</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">9,953</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">971</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">258,753</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD COLSPAN="8" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">0-1 year</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">1-2 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">2-3 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">3-4 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">4-5 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">5-10 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Over 10 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of deposits and repurchase agreements</TD>
    <TD STYLE="text-align: right">108,499</TD>
    <TD STYLE="text-align: right">26,120</TD>
    <TD STYLE="text-align: right">9,110</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">4,726</TD>
    <TD STYLE="text-align: right">755</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">149,210</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of highly probable forecast transactions</TD>
    <TD STYLE="text-align: right">343</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">343</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Hedge of net investment in foreign operations <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: right">9,933</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">9,933</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of loan operations (Fair value)</TD>
    <TD STYLE="text-align: right">2,351</TD>
    <TD STYLE="text-align: right">3,395</TD>
    <TD STYLE="text-align: right">1,244</TD>
    <TD STYLE="text-align: right">2,539</TD>
    <TD STYLE="text-align: right">2,749</TD>
    <TD STYLE="text-align: right">3,753</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">16,031</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of loan operations (Cash flow)</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">1,577</TD>
    <TD STYLE="text-align: right">1,161</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">550</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">3,288</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of funding (Fair value)</TD>
    <TD STYLE="text-align: right">1,673</TD>
    <TD STYLE="text-align: right">885</TD>
    <TD STYLE="text-align: right">1,288</TD>
    <TD STYLE="text-align: right">3,091</TD>
    <TD STYLE="text-align: right">579</TD>
    <TD STYLE="text-align: right">4,981</TD>
    <TD STYLE="text-align: right">2,106</TD>
    <TD STYLE="text-align: right">14,603</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of funding (Cash flow)</TD>
    <TD STYLE="text-align: right">5,776</TD>
    <TD STYLE="text-align: right">578</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">675</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">297</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">7,326</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of assets transactions</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">6,528</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">6,528</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of asset-backed securities under repurchase agreements</TD>
    <TD STYLE="text-align: right">16,696</TD>
    <TD STYLE="text-align: right">9,705</TD>
    <TD STYLE="text-align: right">22,740</TD>
    <TD STYLE="text-align: right">1,085</TD>
    <TD STYLE="text-align: right">622</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">50,848</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of assets denominated in UF</TD>
    <TD STYLE="text-align: right">7,853</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">7,853</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Hedge of securities</TD>
    <TD STYLE="text-align: right">3,215</TD>
    <TD STYLE="text-align: right">660</TD>
    <TD STYLE="text-align: right">1,547</TD>
    <TD STYLE="text-align: right">180</TD>
    <TD STYLE="text-align: right">346</TD>
    <TD STYLE="text-align: right">673</TD>
    <TD STYLE="text-align: right">696</TD>
    <TD STYLE="text-align: right">7,317</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">156,339</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">49,448</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">37,090</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">7,570</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">9,572</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">10,459</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">2,802</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">273,280</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="9" STYLE="font-size: 9pt">1) Classified as current, since instruments are frequently renewed.</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 8 - Financial assets
at fair value through other comprehensive income - Securities</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="10">The fair value and corresponding gross carrying amount of Financial Assets at Fair Value through Other Comprehensive Income - Securities assets are as follows:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 31%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Gross carrying amount</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Fair value adjustments (in&nbsp;&nbsp;stockholders' equity)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Expected loss</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Fair value</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Gross carrying amount</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Fair value adjustments (in stockholders' equity)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Expected loss</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Brazilian government securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">94,445</TD>
    <TD STYLE="font-weight: bold; text-align: right">-2,422</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">92,023</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">79,844</TD>
    <TD STYLE="font-weight: bold; text-align: right">-3,165</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">76,679</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Other government securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">36</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-36</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">36</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-36</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Government securities &ndash; Latin America</TD>
    <TD STYLE="font-weight: bold; text-align: right">27,780</TD>
    <TD STYLE="font-weight: bold; text-align: right">-135</TD>
    <TD STYLE="font-weight: bold; text-align: right">-1</TD>
    <TD STYLE="font-weight: bold; text-align: right">27,644</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">27,937</TD>
    <TD STYLE="font-weight: bold; text-align: right">-426</TD>
    <TD STYLE="font-weight: bold; text-align: right">-1</TD>
    <TD STYLE="font-weight: bold; text-align: right">27,510</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Government securities &ndash; Abroad</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,499</TD>
    <TD STYLE="font-weight: bold; text-align: right">-160</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,339</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">10,460</TD>
    <TD STYLE="font-weight: bold; text-align: right">-60</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">10,400</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">13,082</TD>
    <TD STYLE="font-weight: bold; text-align: right">-1,549</TD>
    <TD STYLE="font-weight: bold; text-align: right">-117</TD>
    <TD STYLE="font-weight: bold; text-align: right">11,416</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">16,027</TD>
    <TD STYLE="font-weight: bold; text-align: right">-3,791</TD>
    <TD STYLE="font-weight: bold; text-align: right">-77</TD>
    <TD STYLE="font-weight: bold; text-align: right">12,159</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Shares</TD>
    <TD STYLE="text-align: right">6,963</TD>
    <TD STYLE="text-align: right">-1,446</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">5,517</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">8,571</TD>
    <TD STYLE="text-align: right">-3,686</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">4,885</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Rural product note</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">373</TD>
    <TD STYLE="text-align: right">18</TD>
    <TD STYLE="text-align: right">-1</TD>
    <TD STYLE="text-align: right">390</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Bank deposit certificates</TD>
    <TD STYLE="text-align: right">133</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">-8</TD>
    <TD STYLE="text-align: right">126</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">714</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">714</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Real estate receivables certificates</TD>
    <TD STYLE="text-align: right">197</TD>
    <TD STYLE="text-align: right">-2</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">195</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Debentures</TD>
    <TD STYLE="text-align: right">1,795</TD>
    <TD STYLE="text-align: right">-13</TD>
    <TD STYLE="text-align: right">-80</TD>
    <TD STYLE="text-align: right">1,702</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,231</TD>
    <TD STYLE="text-align: right">-3</TD>
    <TD STYLE="text-align: right">-45</TD>
    <TD STYLE="text-align: right">1,183</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Eurobonds and other</TD>
    <TD STYLE="text-align: right">3,734</TD>
    <TD STYLE="text-align: right">-98</TD>
    <TD STYLE="text-align: right">-25</TD>
    <TD STYLE="text-align: right">3,611</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4,418</TD>
    <TD STYLE="text-align: right">-112</TD>
    <TD STYLE="text-align: right">-27</TD>
    <TD STYLE="text-align: right">4,279</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Financial bills</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">13</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: right">260</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">-4</TD>
    <TD STYLE="text-align: right">265</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">707</TD>
    <TD STYLE="text-align: right">-8</TD>
    <TD STYLE="text-align: right">-4</TD>
    <TD STYLE="text-align: right">695</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">144,842</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-4,266</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-154</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">140,422</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">134,304</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-7,442</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-114</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">126,748</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Securities pledged in guarantee of funding
transactions of financial institutions and customers and Post-employment benefits (Note 26b), are: a) Brazilian government securities
R$ 47,412 (R$ 50,918 at 12/31/2022), b) Government securities - Latin America&nbsp;R$ 4,234&nbsp;(R$ 6,662&nbsp;at&nbsp;12/31/2022)&nbsp;and
c) Corporate securities R$ 637 (R$ 720 at 12/31/2022), totaling R$ 52,283 (R$ 58,300 at 12/31/2022).&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="text-align: justify">The gross carrying amount and the fair value of financial assets through other comprehensive income - securities by maturity are as follows:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 35%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 18%">Gross carrying amount</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 14%">Fair value</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 18%">Gross carrying amount</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 14%">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Current</TD>
    <TD STYLE="font-weight: bold; text-align: right">57,217</TD>
    <TD STYLE="font-weight: bold; text-align: right">55,693</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">59,304</TD>
    <TD STYLE="font-weight: bold; text-align: right">55,517</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Non-stated maturity</TD>
    <TD STYLE="text-align: right">6,963</TD>
    <TD STYLE="text-align: right">5,517</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">8,571</TD>
    <TD STYLE="text-align: right">4,885</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Up to one year</TD>
    <TD STYLE="text-align: right">50,254</TD>
    <TD STYLE="text-align: right">50,176</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">50,733</TD>
    <TD STYLE="text-align: right">50,632</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Non-current</TD>
    <TD STYLE="font-weight: bold; text-align: right">87,625</TD>
    <TD STYLE="font-weight: bold; text-align: right">84,729</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">75,000</TD>
    <TD STYLE="font-weight: bold; text-align: right">71,231</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>From one to five years</TD>
    <TD STYLE="text-align: right">61,260</TD>
    <TD STYLE="text-align: right">60,013</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">49,068</TD>
    <TD STYLE="text-align: right">47,705</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>From five to ten years</TD>
    <TD STYLE="text-align: right">14,890</TD>
    <TD STYLE="text-align: right">14,448</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">17,458</TD>
    <TD STYLE="text-align: right">16,340</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>After ten years</TD>
    <TD STYLE="text-align: right">11,475</TD>
    <TD STYLE="text-align: right">10,268</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">8,474</TD>
    <TD STYLE="text-align: right">7,186</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">144,842</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">140,422</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">134,304</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">126,748</TD></TR>
  </TABLE>

<P STYLE="text-align: center; font: 10pt/107% Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 11pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="10" STYLE="text-align: justify">Equity instruments at fair value through other comprehensive income - securities are presented in the table below:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 14%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Gross carrying amount</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 15%">Adjustments to fair value (in Stockholders' equity)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Expected loss</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Fair value</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Gross carrying amount</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 19%">Adjustments to fair value (in Stockholders' equity)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Expected loss</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Current</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Non-stated maturity</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD STYLE="text-align: right">6,963</TD>
    <TD STYLE="text-align: right">-1,446</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">5,517</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">8,571</TD>
    <TD STYLE="text-align: right">-3,686</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">4,885</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">6,963</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-1,446</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">5,517</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">8,571</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-3,686</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">4,885</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;adopted
the option of designating equity instruments at fair value through other comprehensive income due to the particularities of a certain
market.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In the period, there was receipt of dividends
in the amount of&nbsp;R$ 124&nbsp;(R$ 0&nbsp;from&nbsp;01/01 to 09/30/2022)&nbsp;and there were reclassifications of&nbsp;R$ (78.1)&nbsp;(R$
(48.3)&nbsp;at&nbsp;12/31/2022) in Stockholders' equity, due to partial sales of XP INC shares (Note&nbsp;3).</P>


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<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="11">Reconciliation of expected loss for Other financial assets, segregated by stages:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; text-align: center">01/01/2023</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 24%">Stage 1</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 9%">Expected loss</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Gains / (Losses)</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Purchases</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Settlements</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Transfer to stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Transfer to stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Cure from stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Cure from stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 9%">Expected loss</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Financial assets at fair value through other comprehensive income</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(114)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(19)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4)</TD>
    <TD STYLE="font-weight: bold; text-align: right">10</TD>
    <TD STYLE="font-weight: bold; text-align: right">3</TD>
    <TD STYLE="font-weight: bold; text-align: right">8</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(116)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Brazilian government securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(36)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(36)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Other</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(36)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(36)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Government securities - Latin America</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(77)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(19)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4)</TD>
    <TD STYLE="font-weight: bold; text-align: right">10</TD>
    <TD STYLE="font-weight: bold; text-align: right">3</TD>
    <TD STYLE="font-weight: bold; text-align: right">8</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(79)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Rural product note</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Bank deposit certificate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(12)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Debentures</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(45)</TD>
    <TD STYLE="text-align: right">(9)</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(54)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Eurobonds and other</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(27)</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(21)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: black 1pt solid">Other</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(4)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(4)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 2</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Gains / (Losses)</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Purchases</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Settlements</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer to stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure from stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Financial assets at fair value through other comprehensive income</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(26)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">26</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(26)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">26</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Debentures</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(26)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">26</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: black 1pt solid">Eurobonds and other</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(1)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(3)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(4)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Gains / (Losses)</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Purchases</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Settlements</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from stage 2</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Financial assets at fair value through other comprehensive income</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(8)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(26)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(34)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(8)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(26)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(34)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Bank deposit certificate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(8)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(8)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: black 1pt solid">Debentures</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(26)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(26)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; text-align: center">01/01/2022</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 1</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Gains / (Losses)</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Purchases</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Settlements</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer to stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer to stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure from stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure from stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Financial assets at fair value through other comprehensive income</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(84)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(14)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(16)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(114)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Brazilian government securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(36)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(36)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Other</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(36)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(36)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Government securities - Latin America</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(48)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(14)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(15)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(77)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Rural product note</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Debentures</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(44)</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(45)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Eurobonds and other</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(13)</TD>
    <TD STYLE="text-align: right">(13)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(27)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Other</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(3)</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(4)</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 9 - Financial assets
at amortized cost - Securities</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="8">The Financial assets at amortized cost - Securities are as follows:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 33%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Amortized Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Expected Loss</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 13%">Net Amortized Cost</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Amortized Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Expected Loss</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 13%">Net Amortized Cost</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Brazilian government securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">90,185</TD>
    <TD STYLE="font-weight: bold; text-align: right">-25</TD>
    <TD STYLE="font-weight: bold; text-align: right">90,160</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">85,521</TD>
    <TD STYLE="font-weight: bold; text-align: right">-30</TD>
    <TD STYLE="font-weight: bold; text-align: right">85,491</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Government securities &ndash; Latin America</TD>
    <TD STYLE="font-weight: bold; text-align: right">21,221</TD>
    <TD STYLE="font-weight: bold; text-align: right">-5</TD>
    <TD STYLE="font-weight: bold; text-align: right">21,216</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">18,954</TD>
    <TD STYLE="font-weight: bold; text-align: right">-7</TD>
    <TD STYLE="font-weight: bold; text-align: right">18,947</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Government securities &ndash; Abroad</TD>
    <TD STYLE="font-weight: bold; text-align: right">23,769</TD>
    <TD STYLE="font-weight: bold; text-align: right">-3</TD>
    <TD STYLE="font-weight: bold; text-align: right">23,766</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">20,289</TD>
    <TD STYLE="font-weight: bold; text-align: right">-4</TD>
    <TD STYLE="font-weight: bold; text-align: right">20,285</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">118,340</TD>
    <TD STYLE="font-weight: bold; text-align: right">-1,909</TD>
    <TD STYLE="font-weight: bold; text-align: right">116,431</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">88,262</TD>
    <TD STYLE="font-weight: bold; text-align: right">-1,997</TD>
    <TD STYLE="font-weight: bold; text-align: right">86,265</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Rural product note</TD>
    <TD STYLE="text-align: right">40,763</TD>
    <TD STYLE="text-align: right">-156</TD>
    <TD STYLE="text-align: right">40,607</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">26,129</TD>
    <TD STYLE="text-align: right">-140</TD>
    <TD STYLE="text-align: right">25,989</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Bank deposit certificates</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">98</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">98</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Real estate receivables certificates</TD>
    <TD STYLE="text-align: right">6,085</TD>
    <TD STYLE="text-align: right">-8</TD>
    <TD STYLE="text-align: right">6,077</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">5,738</TD>
    <TD STYLE="text-align: right">-4</TD>
    <TD STYLE="text-align: right">5,734</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Debentures</TD>
    <TD STYLE="text-align: right">57,723</TD>
    <TD STYLE="text-align: right">-1,535</TD>
    <TD STYLE="text-align: right">56,188</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">47,785</TD>
    <TD STYLE="text-align: right">-1,835</TD>
    <TD STYLE="text-align: right">45,950</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Eurobonds and other</TD>
    <TD STYLE="text-align: right">478</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">478</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">118</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">118</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Financial bills</TD>
    <TD STYLE="text-align: right">1,500</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">1,500</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">113</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">113</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Promissory and commercial notes</TD>
    <TD STYLE="text-align: right">10,558</TD>
    <TD STYLE="text-align: right">-199</TD>
    <TD STYLE="text-align: right">10,359</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">7,363</TD>
    <TD STYLE="text-align: right">-13</TD>
    <TD STYLE="text-align: right">7,350</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: right">1,224</TD>
    <TD STYLE="text-align: right">-11</TD>
    <TD STYLE="text-align: right">1,213</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">918</TD>
    <TD STYLE="text-align: right">-5</TD>
    <TD STYLE="text-align: right">913</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">253,515</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-1,942</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">251,573</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">213,026</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-2,038</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">210,988</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Securities pledged as collateral of
funding transactions of financial institutions and customers and Post-employment benefits (Note 26b), are: a) Brazilian government securities&nbsp;R$
8,308 (R$ 23,639&nbsp;at 12/31/2022), b) Government securities - Latin America&nbsp;R$ 760 (R$ 0&nbsp;at 12/31/2022) and c) Corporate
securities&nbsp;R$ 17,462&nbsp;(R$ 12,718 at 12/31/2022), totaling R$ 26,530&nbsp;(R$ 36,357&nbsp;at 12/31/2022).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">On 01/01/2023, a new business model was
used, classified as Amortized Cost, for capital management of a company in Colombia (Ita&uacute; Colombia S.A.), in which Government Securities
from Latin America in the amount of&nbsp;R$ 1,026 were to be classified, previously classified in the Fair Value business model through
Other Comprehensive Income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">On 01/01/2023 and 07/01/2023, there was
a change of Global Bonds, in the amount of R$ 408&nbsp;and&nbsp;R$ 249, respectively, from the business model Fair Value through Profit
or Loss to Amortized Cost, referring to a company located in the Bahamas (Ita&uacute; Unibanco S.A., Nassau Branch) for compliance with
a regulatory change related to the risk management of the trading portfolio and the banking portfolio.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">At 09/30/2023, the fair value of reclassified
assets would be&nbsp;R$ 1,692, the adjustment to fair value that would have been recognized in Other Comprehensive Income would&nbsp;be&nbsp;R$
(114) and the adjustment to fair value that would have been recognized in Income would be&nbsp;R$ (22).</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6">The amortized cost of Financial assets at amortized cost - Securities by maturity is as follows:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 31%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 17%">Amortized Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 17%">Net Amortized Cost</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 17%">Amortized Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 17%">Net Amortized Cost</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Current</TD>
    <TD STYLE="font-weight: bold; text-align: right">86,260</TD>
    <TD STYLE="font-weight: bold; text-align: right">85,711</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">62,125</TD>
    <TD STYLE="font-weight: bold; text-align: right">61,528</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Up to one year</TD>
    <TD STYLE="text-align: right">86,260</TD>
    <TD STYLE="text-align: right">85,711</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">62,125</TD>
    <TD STYLE="text-align: right">61,528</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Non-current</TD>
    <TD STYLE="font-weight: bold; text-align: right">167,255</TD>
    <TD STYLE="font-weight: bold; text-align: right">165,862</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">150,901</TD>
    <TD STYLE="font-weight: bold; text-align: right">149,460</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>From one to five years</TD>
    <TD STYLE="text-align: right">122,503</TD>
    <TD STYLE="text-align: right">121,693</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">107,970</TD>
    <TD STYLE="text-align: right">107,431</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>From five to ten years</TD>
    <TD STYLE="text-align: right">40,835</TD>
    <TD STYLE="text-align: right">40,254</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">38,526</TD>
    <TD STYLE="text-align: right">37,625</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>After ten years</TD>
    <TD STYLE="text-align: right">3,917</TD>
    <TD STYLE="text-align: right">3,915</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4,405</TD>
    <TD STYLE="text-align: right">4,404</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">253,515</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">251,573</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">213,026</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">210,988</TD></TR>
  </TABLE>

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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="10">Reconciliation of expected loss to financial assets at amortized cost&nbsp;&nbsp;- securities, segregated by stages:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; text-align: center">01/01/2022</TD>
    <TD STYLE="color: white">01/01/2023</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 32%">Stage 1</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 9%">Expected loss</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Gains / (Losses)</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Purchases</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Settlements</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Transfer to Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Transfer to Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Cure from Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Cure from Stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 9%">Expected loss</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial assets at amortized cost</TD>
    <TD STYLE="font-weight: bold; text-align: right">(208)</TD>
    <TD STYLE="font-weight: bold; text-align: right">89</TD>
    <TD STYLE="font-weight: bold; text-align: right">(303)</TD>
    <TD STYLE="font-weight: bold; text-align: right">49</TD>
    <TD STYLE="font-weight: bold; text-align: right">33</TD>
    <TD STYLE="font-weight: bold; text-align: right">162</TD>
    <TD STYLE="font-weight: bold; text-align: right">(8)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(18)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(204)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Brazilian government securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">(30)</TD>
    <TD STYLE="font-weight: bold; text-align: right">5</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(25)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Government securities - Latin America</TD>
    <TD STYLE="font-weight: bold; text-align: right">(7)</TD>
    <TD STYLE="font-weight: bold; text-align: right">10</TD>
    <TD STYLE="font-weight: bold; text-align: right">(10)</TD>
    <TD STYLE="font-weight: bold; text-align: right">2</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(5)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Government securities - Abroad</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4)</TD>
    <TD STYLE="font-weight: bold; text-align: right">3</TD>
    <TD STYLE="font-weight: bold; text-align: right">(2)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">(167)</TD>
    <TD STYLE="font-weight: bold; text-align: right">71</TD>
    <TD STYLE="font-weight: bold; text-align: right">(291)</TD>
    <TD STYLE="font-weight: bold; text-align: right">47</TD>
    <TD STYLE="font-weight: bold; text-align: right">33</TD>
    <TD STYLE="font-weight: bold; text-align: right">162</TD>
    <TD STYLE="font-weight: bold; text-align: right">(8)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(18)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(171)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Rural product note</TD>
    <TD STYLE="text-align: right">(105)</TD>
    <TD STYLE="text-align: right">122</TD>
    <TD STYLE="text-align: right">(120)</TD>
    <TD STYLE="text-align: right">17</TD>
    <TD STYLE="text-align: right">30</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">(8)</TD>
    <TD STYLE="text-align: right">(18)</TD>
    <TD STYLE="text-align: right">(55)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Real estate receivables certificates</TD>
    <TD STYLE="text-align: right">(4)</TD>
    <TD STYLE="text-align: right">(6)</TD>
    <TD STYLE="text-align: right">(4)</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(8)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Debentures</TD>
    <TD STYLE="text-align: right">(44)</TD>
    <TD STYLE="text-align: right">(39)</TD>
    <TD STYLE="text-align: right">(155)</TD>
    <TD STYLE="text-align: right">20</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">135</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(82)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Eurobond and other</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Promissory and commercial notes</TD>
    <TD STYLE="text-align: right">(13)</TD>
    <TD STYLE="text-align: right">(5)</TD>
    <TD STYLE="text-align: right">(8)</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(21)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: black 1pt solid">Other</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(1)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(4)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(5)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 2</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Gains / (Losses)</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Purchases</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Settlements</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer to Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure from Stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial assets at amortized cost</TD>
    <TD STYLE="font-weight: bold; text-align: right">(114)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(193)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(43)</TD>
    <TD STYLE="font-weight: bold; text-align: right">16</TD>
    <TD STYLE="font-weight: bold; text-align: right">8</TD>
    <TD STYLE="font-weight: bold; text-align: right">297</TD>
    <TD STYLE="font-weight: bold; text-align: right">(33)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(5)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(67)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">(114)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(193)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(43)</TD>
    <TD STYLE="font-weight: bold; text-align: right">16</TD>
    <TD STYLE="font-weight: bold; text-align: right">8</TD>
    <TD STYLE="font-weight: bold; text-align: right">297</TD>
    <TD STYLE="font-weight: bold; text-align: right">(33)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(5)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(67)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Rural product note</TD>
    <TD STYLE="text-align: right">(24)</TD>
    <TD STYLE="text-align: right">(12)</TD>
    <TD STYLE="text-align: right">(25)</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">65</TD>
    <TD STYLE="text-align: right">(30)</TD>
    <TD STYLE="text-align: right">(5)</TD>
    <TD STYLE="text-align: right">(16)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Debentures</TD>
    <TD STYLE="text-align: right">(86)</TD>
    <TD STYLE="text-align: right">(11)</TD>
    <TD STYLE="text-align: right">(10)</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">62</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(37)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Promissory and comercial notes</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(168)</TD>
    <TD STYLE="text-align: right">(8)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">170</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(8)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Other</TD>
    <TD STYLE="text-align: right">(4)</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(6)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Gains / (Losses)</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Purchases</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Settlements</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 2</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial assets at amortized cost</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,716)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(298)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(51)</TD>
    <TD STYLE="font-weight: bold; text-align: right">830</TD>
    <TD STYLE="font-weight: bold; text-align: right">18</TD>
    <TD STYLE="font-weight: bold; text-align: right">5</TD>
    <TD STYLE="font-weight: bold; text-align: right">(162)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(297)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,671)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,716)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(298)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(51)</TD>
    <TD STYLE="font-weight: bold; text-align: right">830</TD>
    <TD STYLE="font-weight: bold; text-align: right">18</TD>
    <TD STYLE="font-weight: bold; text-align: right">5</TD>
    <TD STYLE="font-weight: bold; text-align: right">(162)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(297)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,671)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Rural product note</TD>
    <TD STYLE="text-align: right">(11)</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">(31)</TD>
    <TD STYLE="text-align: right">23</TD>
    <TD STYLE="text-align: right">18</TD>
    <TD STYLE="text-align: right">5</TD>
    <TD STYLE="text-align: right">(27)</TD>
    <TD STYLE="text-align: right">(65)</TD>
    <TD STYLE="text-align: right">(85)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Debentures</TD>
    <TD STYLE="text-align: right">(1,705)</TD>
    <TD STYLE="text-align: right">(301)</TD>
    <TD STYLE="text-align: right">(20)</TD>
    <TD STYLE="text-align: right">807</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(135)</TD>
    <TD STYLE="text-align: right">(62)</TD>
    <TD STYLE="text-align: right">(1,416)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Promissory and comercial notes</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(170)</TD>
    <TD STYLE="text-align: right">(170)</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 31%">Stage 1</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 9%">Expected loss</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Gains / (Losses)</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 6%">Purchases</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Settlements</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Transfer to Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Transfer to Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Cure from Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Cure from Stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 9%">Expected loss</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial assets at amortized cost</TD>
    <TD STYLE="font-weight: bold; text-align: right">-74</TD>
    <TD STYLE="font-weight: bold; text-align: right">-80</TD>
    <TD STYLE="font-weight: bold; text-align: right">-149</TD>
    <TD STYLE="font-weight: bold; text-align: right">42</TD>
    <TD STYLE="font-weight: bold; text-align: right">53</TD>
    <TD STYLE="font-weight: bold; text-align: right">3</TD>
    <TD STYLE="font-weight: bold; text-align: right">-3</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-208</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Brazilian government securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">-37</TD>
    <TD STYLE="font-weight: bold; text-align: right">7</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-30</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Government securities - Latin America</TD>
    <TD STYLE="font-weight: bold; text-align: right">-6</TD>
    <TD STYLE="font-weight: bold; text-align: right">10</TD>
    <TD STYLE="font-weight: bold; text-align: right">-17</TD>
    <TD STYLE="font-weight: bold; text-align: right">6</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-7</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Government securities - Abroad</TD>
    <TD STYLE="font-weight: bold; text-align: right">-1</TD>
    <TD STYLE="font-weight: bold; text-align: right">-2</TD>
    <TD STYLE="font-weight: bold; text-align: right">-1</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-4</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">-30</TD>
    <TD STYLE="font-weight: bold; text-align: right">-95</TD>
    <TD STYLE="font-weight: bold; text-align: right">-131</TD>
    <TD STYLE="font-weight: bold; text-align: right">36</TD>
    <TD STYLE="font-weight: bold; text-align: right">53</TD>
    <TD STYLE="font-weight: bold; text-align: right">3</TD>
    <TD STYLE="font-weight: bold; text-align: right">-3</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-167</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Rural product note</TD>
    <TD STYLE="text-align: right">-5</TD>
    <TD STYLE="text-align: right">-65</TD>
    <TD STYLE="text-align: right">-64</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">21</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">-3</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-105</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Bank deposit certificate</TD>
    <TD STYLE="text-align: right">-1</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Real estate receivables certificates</TD>
    <TD STYLE="text-align: right">-1</TD>
    <TD STYLE="text-align: right">14</TD>
    <TD STYLE="text-align: right">-19</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-4</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Debentures</TD>
    <TD STYLE="text-align: right">-18</TD>
    <TD STYLE="text-align: right">-42</TD>
    <TD STYLE="text-align: right">-31</TD>
    <TD STYLE="text-align: right">15</TD>
    <TD STYLE="text-align: right">32</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-44</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Eurobond and other</TD>
    <TD STYLE="text-align: right">-2</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Promissory and commercial notes</TD>
    <TD STYLE="text-align: right">-2</TD>
    <TD STYLE="text-align: right">-1</TD>
    <TD STYLE="text-align: right">-14</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-13</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: black 1pt solid">Other</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-1</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-2</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-3</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">5</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">0</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-1</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; text-align: center"></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 2</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Gains / (Losses)</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Purchases</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Settlements</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer to Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure from Stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial assets at amortized cost</TD>
    <TD STYLE="font-weight: bold; text-align: right">-38</TD>
    <TD STYLE="font-weight: bold; text-align: right">-136</TD>
    <TD STYLE="font-weight: bold; text-align: right">-3</TD>
    <TD STYLE="font-weight: bold; text-align: right">104</TD>
    <TD STYLE="font-weight: bold; text-align: right">3</TD>
    <TD STYLE="font-weight: bold; text-align: right">9</TD>
    <TD STYLE="font-weight: bold; text-align: right">-53</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-114</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">-38</TD>
    <TD STYLE="font-weight: bold; text-align: right">-136</TD>
    <TD STYLE="font-weight: bold; text-align: right">-3</TD>
    <TD STYLE="font-weight: bold; text-align: right">104</TD>
    <TD STYLE="font-weight: bold; text-align: right">3</TD>
    <TD STYLE="font-weight: bold; text-align: right">9</TD>
    <TD STYLE="font-weight: bold; text-align: right">-53</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-114</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Rural product note</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-12</TD>
    <TD STYLE="text-align: right">-3</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">-21</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-24</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Debentures</TD>
    <TD STYLE="text-align: right">-38</TD>
    <TD STYLE="text-align: right">-120</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">104</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-32</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-86</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Other</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-4</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-4</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: left">&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Gains / (Losses)</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Purchases</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Settlements</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 2</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Expected loss</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Financial assets at amortized cost</TD>
    <TD STYLE="font-weight: bold; text-align: right">-1,836</TD>
    <TD STYLE="font-weight: bold; text-align: right">-244</TD>
    <TD STYLE="font-weight: bold; text-align: right">-27</TD>
    <TD STYLE="font-weight: bold; text-align: right">403</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-3</TD>
    <TD STYLE="font-weight: bold; text-align: right">-9</TD>
    <TD STYLE="font-weight: bold; text-align: right">-1,716</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">-1,836</TD>
    <TD STYLE="font-weight: bold; text-align: right">-244</TD>
    <TD STYLE="font-weight: bold; text-align: right">-27</TD>
    <TD STYLE="font-weight: bold; text-align: right">403</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">-3</TD>
    <TD STYLE="font-weight: bold; text-align: right">-9</TD>
    <TD STYLE="font-weight: bold; text-align: right">-1,716</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Rural product note</TD>
    <TD STYLE="text-align: right">-9</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">-6</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-3</TD>
    <TD STYLE="text-align: right">-9</TD>
    <TD STYLE="text-align: right">-11</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Debentures</TD>
    <TD STYLE="text-align: right">-1,827</TD>
    <TD STYLE="text-align: right">-251</TD>
    <TD STYLE="text-align: right">-21</TD>
    <TD STYLE="text-align: right">394</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-1,705</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 10 - Loan and lease
operations</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Composition of loans
and lease operations portfolio</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="3" STYLE="text-align: justify">Below is the composition of the carrying amount of loan operations and lease operations by type, sector of debtor, maturity and concentration:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid">Loans and lease operations by type</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Individuals</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">409,926</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">400,103</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Credit card</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">128,908</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">135,855</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Personal loan</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">61,814</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">53,945</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Payroll loans</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">74,161</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">73,633</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Vehicles</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">32,803</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">31,606</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Mortgage loans</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">112,240</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">105,064</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Corporate</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">137,365</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">139,268</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Micro / small and medium companies</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">166,115</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">164,896</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">Foreign loans - Latin America</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">192,398</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">205,155</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total loans and lease operations</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">905,804</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">909,422</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Provision for Expected Loss</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-54,169</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-52,324</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: justify; width: 72%">Total loans and lease operations, net of Expected Credit Loss</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; width: 14%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">851,635</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; width: 14%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">857,098</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 9pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid">By maturity</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Overdue as from 1 day</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">29,326</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">30,656</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Falling due up to 3 months</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">243,851</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">247,233</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Falling due from 3 months to 12 months</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">229,569</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">228,942</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Falling due after 1 year</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">403,058</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">402,591</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total loans and lease operations</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">905,804</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">909,422</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid">By concentration</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Largest debtor</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,855</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,916</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">10 largest debtors</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">34,106</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">33,265</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">20 largest debtors</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">52,063</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">50,714</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">50 largest debtors</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">83,574</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">85,427</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 1pt solid">100 largest debtors</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">116,232</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">118,015</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 20pt; text-align: justify">The Expected loss comprises Expected Credit
Loss for Financial Guarantees Pledged R$ (745) (R$ (810) at 12/31/2022) and Loan Commitments R$ (3,190) (R$ (2,874) at 12/31/2022).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 20pt; text-align: justify">The breakdown of the loans and lease operations
portfolio by debtor&#8217;s industry is described in Note&nbsp;32, item 1.4.1 - By business sector.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Gross Carrying Amount
(Loan Portfolio)</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="9">Reconciliation of gross portfolio of loans and lease operations, segregated by stages:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; text-align: center">01/01/2023</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 26%">Stage 1</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 8%">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Transfer to Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 12%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Transfer to Stage 3 <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Cure from Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Cure from Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Acquisition / (Settlement)</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 8%">Closing balance</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">305,210</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-35,379</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,720</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">23,114</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">125</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">22,981</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">314,331</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">133,205</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-577</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-27</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">373</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">116</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,194</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">131,896</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">142,621</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-10,790</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,060</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,029</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">209</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,140</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">141,149</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">182,516</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-6,938</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-671</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,500</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">11</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-7,643</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">170,775</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">763,552</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-53,684</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-3,478</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">31,016</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">461</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">20,284</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">758,151</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 2</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer to Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure from Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Acquisition / (Settlement)</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Closing balance</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: top; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">59,639</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-23,114</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-10,931</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">35,379</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">963</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,899</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">57,037</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">901</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-373</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-290</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">577</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-339</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">489</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">12,299</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,029</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,024</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10,790</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">488</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,836</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,688</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,863</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,500</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,175</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,938</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">243</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,109</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">12,260</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">86,702</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-31,016</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-18,420</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">53,684</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,707</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-9,183</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">83,474</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Acquisition / (Settlement)</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Closing balance</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">35,254</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-125</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-963</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,720</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10,931</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-16,900</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,641</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">38,558</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,162</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-116</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-13</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">27</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">290</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-40</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-330</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,980</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9,976</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-209</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-488</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,060</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,024</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,371</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">286</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">11,278</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,776</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-11</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-243</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">671</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,175</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,923</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,082</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9,363</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">59,168</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-461</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-1,707</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,478</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">18,420</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-22,234</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">7,515</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">64,179</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Consolidated 3 Stages</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Acquisition / (Settlement)</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Closing balance</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">400,103</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-16,900</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">26,723</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">409,926</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">139,268</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-40</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,863</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">137,365</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">164,896</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,371</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,590</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">166,115</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">205,155</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,923</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-10,834</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">192,398</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">909,422</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-22,234</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">18,616</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">905,804</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="9" STYLE="font-size: 9pt; text-align: justify"><P STYLE="margin-top: 0; margin-bottom: 0">1) In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part there of have first gone through stage 2.</P>
                                                                <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD></TR>
  </TABLE>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="9">Reconciliation of gross portfolio of loans and lease operations, segregated by stages:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; text-align: center">01/01/2022</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 26%">Stage 1</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 8%">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Transfer to Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 12%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Transfer to Stage 3 <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Cure from Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Cure from Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Acquisition / (Settlement)</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 8%">Closing balance</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">270,371</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-65,771</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,966</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">29,153</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">61</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">74,362</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">305,210</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">128,519</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-626</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,360</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,098</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">137</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,437</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">133,205</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">124,555</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-18,158</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,600</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16,215</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">170</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">21,439</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">142,621</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">178,719</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-7,720</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,014</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,426</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">19</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10,086</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">182,516</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">702,164</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-92,275</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-7,940</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">48,892</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">387</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">112,324</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">763,552</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 2</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer to Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure from Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Acquisition / (Settlement)</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Closing balance</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">38,168</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-29,153</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-13,041</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">65,771</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,392</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,498</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">59,639</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,600</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,098</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-173</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">626</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">19</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-73</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">901</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16,749</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-16,215</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,310</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">18,158</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,167</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,250</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">12,299</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,389</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,426</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,388</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,720</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">831</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,263</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,863</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">69,906</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-48,892</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-20,912</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">92,275</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,409</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-9,084</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">86,702</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Acquisition / (Settlement)</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Closing balance</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">23,997</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-61</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,392</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,966</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,041</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-13,876</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10,579</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">35,254</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,915</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-137</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-19</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,360</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">173</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-822</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,308</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,162</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,666</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-170</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,167</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,600</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,310</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,661</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">398</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9,976</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">12,942</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-19</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-831</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,014</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,388</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,783</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,935</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,776</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">50,520</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-387</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-3,409</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">7,940</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">20,912</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-20,142</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,734</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">59,168</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Consolidated 3 Stages</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Acquisition / (Settlement)</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Closing balance</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">332,536</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-13,876</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">81,443</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">400,103</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">135,034</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-822</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,056</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">139,268</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">149,970</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,661</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">18,587</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">164,896</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">205,050</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,783</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,888</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">205,155</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">822,590</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-20,142</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">106,974</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">909,422</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="9" STYLE="font-size: 9pt">1) In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part thereof have first gone through stage 2.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">Total portfolio comprises R$ 4,090&nbsp;(R$ 14,052&nbsp;at 12/31/2022)&nbsp;pegged
to Libor.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">At 12/31/2022, the change in the period
of the parameter used to estimate the significant increase/reduction in credit risk caused an effect on the transfer from stage 1 to stage
2 in the amount of R$ 26,005 and in the transfer from stage 2 to 1 in the amount if R$ 27,155.&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>Modification of contractual cash flows</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The amortized cost of financial assets classified
in stages 2 and stage 3, which had their contractual cash flows modified was R$ 1,690&nbsp;(R$ 1,949&nbsp;at 12/31/2022) before the modification,
which gave rise to an effect on profit or loss&nbsp;of R$ 19&nbsp;(R$ 11&nbsp;from&nbsp;01/01 to 09/30/2022). At&nbsp;09/30/2023,&nbsp;the
gross carrying amount of financial assets which had their contractual cash flows modified in the period and were transferred to stage
1 corresponds to&nbsp;R$ 243&nbsp;(R$ 601&nbsp;at&nbsp;12/31/2022).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Expected credit loss</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="9">Reconciliation of expected credit loss of loans and lease operations, segregated by stages:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; text-align: center">01/01/2023</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 25%">Stage 1</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 8%">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Transfer to Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 12%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Transfer to Stage 3 <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Cure from Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Cure from Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">(Increase) / Reversal</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 8%">Closing balance</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,414</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">648</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">39</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-918</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-537</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-6,188</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-480</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-32</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-177</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-683</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,431</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">195</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">17</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-290</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-49</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,556</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,339</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">156</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-128</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">317</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,980</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-9,664</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,007</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">73</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-1,368</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-60</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-395</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-10,407</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 2</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer to Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure from Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">(Increase) / Reversal</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Closing balance</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: top; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,647</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">918</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,621</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-648</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-96</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,334</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,186</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-503</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">32</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">45</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-110</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-548</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,227</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">290</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">979</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-195</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-97</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-930</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,180</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,546</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">128</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">644</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-156</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-76</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-360</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,366</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-9,923</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,368</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">5,289</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-1,007</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-273</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-4,734</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-9,280</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">(Increase) / Reversal</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Closing balance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-19,220</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">96</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-39</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,621</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16,900</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-14,372</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-20,250</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,470</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-45</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">40</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-141</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,610</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,932</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">49</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">97</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-17</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-979</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,371</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,864</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-6,275</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,115</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">76</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-644</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,923</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,573</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,347</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-32,737</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">60</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">273</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-73</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-5,289</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">22,234</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-18,950</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-34,482</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Consolidated 3 Stages</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">(Increase) / Reversal</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Closing balance</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-30,281</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16,900</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-18,243</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-31,624</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,453</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">40</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-428</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,841</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-9,590</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,371</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,792</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-10,011</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-7,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,923</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,616</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-6,693</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-52,324</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">22,234</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-24,079</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-54,169</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="9" STYLE="font-size: 9pt; text-align: justify">1) In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part thereof have first gone through stage 2.</TD></TR>
  </TABLE>

<P STYLE="text-align: center; font: 10pt/107% Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="9">Reconciliation of expected credit loss of loans and lease operations, segregated by stages:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; text-align: center">01/01/2022</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 25%">Stage 1</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 8%">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Transfer to Stage 2 <SUP>(2)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 12%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Transfer to Stage 3 <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Cure from Stage 2 <SUP>(2)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Cure from Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">(Increase) / Reversal</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center; width: 8%">Closing balance</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-6,851</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,045</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">222</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,445</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">618</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,414</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-413</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-127</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">56</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-480</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,812</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">767</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">98</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-806</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-33</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">355</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,431</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,373</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">179</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">18</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-91</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-67</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,339</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-11,449</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,997</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">339</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-2,469</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-44</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">962</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-9,664</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 2</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Cure to Stage 1 <SUP>(2)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer to Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Transfer from Stage 1 <SUP>(2)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure from Stage 3</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">(Increase) / Reversal</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Closing balance</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,501</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,445</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,648</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,045</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-122</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,072</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,647</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-865</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">127</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">31</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">219</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-503</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,556</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">806</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,055</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-767</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-201</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,564</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-2,227</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,353</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">91</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">592</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-179</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-219</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-478</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,546</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-8,275</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,469</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,326</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-2,997</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-551</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-6,895</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-9,923</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stage 3</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Cure to Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 1</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfer from Stage 2</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">(Increase) / Reversal</TD>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid; text-align: center">Closing balance</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: top; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-12,868</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">122</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-222</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,648</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,876</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-15,483</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-19,220</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,529</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-31</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">822</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,743</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,470</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,023</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">33</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">201</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-98</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,055</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,661</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,651</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,932</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,172</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">219</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-18</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-592</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,783</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-340</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-3,115</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-24,592</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">44</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">551</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-339</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-6,326</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">20,142</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-22,217</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-32,737</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Consolidated 3 Stages</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">Balance at</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Derecognition</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">(Increase) / Reversal</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">Closing balance</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Individuals</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-24,220</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,876</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-19,937</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-30,281</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Corporate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-4,807</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">822</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-1,468</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,453</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Micro / Small and medium companies</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-7,391</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,661</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-5,860</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-9,590</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans - Latin America</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-7,898</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,783</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-885</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-7,000</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-44,316</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">20,142</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-28,150</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">-52,324</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="9" STYLE="font-size: 9pt; text-align: justify">1) In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part thereof have first gone through stage 2.<BR>
2) Reflects the expected credit loss arising from the change in the period of the parameter used to estimate the significant increase/decrease in credit risk.</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The consolidated balance of 3 Stages comprises
Expected credit loss for Financial guarantees of&nbsp;R$ (745)&nbsp;(R$ (810)&nbsp;at&nbsp;12/31/2022)&nbsp;and Loan commitments of&nbsp;R$
(3,190)&nbsp;(R$ (2,874)&nbsp;at&nbsp;12/31/2022).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>d) Lease operations -
Lessor</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="8" STYLE="text-align: justify">Finance leases are composed of vehicles, machines, equipment and real estate in Brazil and abroad. The analysis of portfolio maturities is presented below:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 26%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Payments receivable</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 13%">Future financial income</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Present value</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Payments receivable</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Future financial income</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Present value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Current</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,224</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(493)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,731</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,273</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(617)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,656</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Up to 1 year</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,224</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(493)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,731</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,273</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(617)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,656</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Non-current</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,941</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,934)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,007</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,087</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,894)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,193</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">From 1 to 2 years</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,769</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(536)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,233</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,888</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(596)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,292</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">From 2 to 3 years</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,352</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(425)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">927</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,455</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(449)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,006</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">From 3 to 4 years</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,017</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(341)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">676</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,026</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(339)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">687</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">From 4 to 5 years</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">803</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(282)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">521</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">814</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(271)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">543</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Over 5 years</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,000</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,350)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,650</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,904</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,239)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,665</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">11,165</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(3,427)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">7,738</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">11,360</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(3,511)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">7,849</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5">Financial lease revenues are composed of:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 60%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Financial income</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">203</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">249</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">670</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">684</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Variable payments</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">206</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">252</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">677</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">690</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>e) Operations of securitization
or transfer and acquisition of financial assets</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="10" STYLE="text-align: justify">ITA&Uacute; UNIBANCO HOLDING carried out operations of securitization or transfer of financial assets in which there was retention of credit risks of financial assets transferred under co-obligation covenants. Thus, these credits are still recorded in the Balance Sheet and are represented as follows:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Nature of operation</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Liabilities <SUP>(1)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Assets</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Liabilities <SUP>(1)</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Book value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Book value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Book value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Book value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 19%">Mortgage loan</TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">147</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">146</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">147</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">146</FONT></TD>
    <TD STYLE="text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">170</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">168</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">170</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">168</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Working capital</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">513</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">513</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">513</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">513</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">602</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">602</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">602</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">602</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">660</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">659</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">660</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">659</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">772</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">770</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">772</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">770</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="10" STYLE="font-size: 9pt">1) Under Other liabilities.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">From&nbsp;01/01 to 09/30/2023, operations
of transfer of financial assets with no retention of risks and benefits generated impact on the result of R$ 111 (R$ 345 from 01/01 to
09/30/2022), net of the Allowance for Loan Losses.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 11 - Investments
in associates and joint ventures</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Non-material individual
investments of ITA&Uacute; UNIBANCO HOLDING</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">01/01 to 09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 45%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Investment</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 14%">Equity in earnings</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 15%">Other comprehensive income</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 13%">Total Income</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Associates</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,929</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">726</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">24</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">750</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Joint ventures</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">878</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(39)</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(39)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,807</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">687</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">24</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">711</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Investment</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Equity in earnings</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Other comprehensive income</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total Income</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Associates</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,187</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">491</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">491</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Joint ventures</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">256</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(53)</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(53)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">7,443</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">438</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">438</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">At 09/30/2023, the balances of Associates
include interest in total capital and voting capital of the following companies: Pravaler S.A. (50.99% total capital and 41.67% voting
capital; 51.94% total capital and 41.97% voting capital at 12/31/2022); Porto Seguro lta&uacute; Unibanco Participa&ccedil;&otilde;es
S.A. (42.93% total and voting capital; 42.93%&nbsp;at 12/31/2022); BSF Holding S.A. (49% total and voting capital; 49% at 12/31/2022);
Gestora de Intelig&ecirc;ncia de Cr&eacute;dito S.A (15.71% total capital and 16% voting capital;&nbsp;15.71% total capital and 16% voting
capital at 12/31/2022); Compa&ntilde;ia Uruguaya de Medios de Procesamiento S.A. (31.42% total and voting capital; 31.42% at 12/31/2022);
Rias Redbanc S.A. (25% total and voting capital;&nbsp;25% at 12/31/2022); Kinea Private Equity Investimentos S.A. (80% total capital and
49% voting capital; 80% total capital and 49% voting capital at 12/31/2022); Tecnologia Banc&aacute;ria S.A. (28.05% total capital and
28.95% voting capital; 28.05% total capital and 28.95% voting capital at 12/31/2022); CIP S.A. (22.89% total and voting capital; 23.33%
at 12/31/2022); Prex Holding LLC (30% total and voting capital; 30% at 12/31/2022); Banfur lnternational S.A. (30% total and voting capital;&nbsp;30%
at 12/31/2022); Biomas &#8211; Servi&ccedil;os Ambientais, Restaura&ccedil;&atilde;o e Carbono S.A. (16.67%&nbsp;total and voting capital)
and Rede Agro Fidelidade e Intermedia&ccedil;&atilde;o S.A. (12.82%&nbsp;total and voting capital).&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">At&nbsp;09/30/2023,&nbsp;the balances of
Joint ventures include interest in total and voting capital of the following companies: Ol&iacute;mpia Promo&ccedil;&atilde;o e Servi&ccedil;os
S.A. (50% total and voting capital; 50% at&nbsp;12/31/2022); ConectCar Solu&ccedil;&otilde;es de Mobilidade Eletr&ocirc;nica S.A. (50%
total and voting capital; 50% at 12/31/2022); TOTVS Techfin S.A. (50%&nbsp;total and voting capital) and includes result not arising from
subsidiaries' net income.&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 12 - Lease Operations
- Lessee</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;is the
lessee mainly of properties for use in its operations, which include renewal options and restatement clauses. During the period ended
09/30/2023, total cash outflow with lease amounted to R$ 1,118&nbsp;and lease agreements in the amount of&nbsp;R$ 173 were renewed. There
are no relevant sublease agreements.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Total liabilities in accordance with remaining
contractual maturities, considering their undiscounted flows, are presented below:</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 66%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 17%">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 17%">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Up to 3 months</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">262</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">283</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>3 months to 1 year</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">673</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">790</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>From 1 to 5 years</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,400</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,716</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Over 5 years</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,102</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">930</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total Financial Liability</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">4,437</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">4,719</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="text-align: justify">Lease amounts recognized in the Consolidated Statement of Income:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; width: 52%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 12%">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 12%">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 12%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 12%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">Sublease revenues</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">7</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">9</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">20</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">19</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Depreciation expenses</TD>
    <TD STYLE="text-align: right">-224</TD>
    <TD STYLE="text-align: right">-340</TD>
    <TD STYLE="text-align: right">-645</TD>
    <TD STYLE="text-align: right">-679</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Interest expenses</TD>
    <TD STYLE="text-align: right">-96</TD>
    <TD STYLE="text-align: right">-163</TD>
    <TD STYLE="text-align: right">-287</TD>
    <TD STYLE="text-align: right">-301</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Lease expenses for low value assets</TD>
    <TD STYLE="text-align: right">-27</TD>
    <TD STYLE="text-align: right">-37</TD>
    <TD STYLE="text-align: right">-78</TD>
    <TD STYLE="text-align: right">-75</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Variable expenses not include in lease liabilities</TD>
    <TD STYLE="text-align: right">-14</TD>
    <TD STYLE="text-align: right">-15</TD>
    <TD STYLE="text-align: right">-44</TD>
    <TD STYLE="text-align: right">-42</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-354</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-546</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-1,034</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-1,078</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 20pt; text-align: justify">In the periods from 01/01 to 09/30/2023&nbsp;and
from&nbsp;01/01 to 09/30/2022,&nbsp;there was no impairment adjustment.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 13 - Fixed assets</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Fixed assets</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Anual depreciation rates</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Depreciation</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Impairment</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Residual</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 36%">Real Estate</TD>
    <TD STYLE="font-weight: bold; width: 15%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 12%">6,757</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 12%">-3,665</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 14%">-188</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 11%">2,904</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Land</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">884</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">884</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Buildings and Improvements</TD>
    <TD STYLE="text-align: center">4% to 10%</TD>
    <TD STYLE="text-align: right">5,873</TD>
    <TD STYLE="text-align: right">-3,665</TD>
    <TD STYLE="text-align: right">-188</TD>
    <TD STYLE="text-align: right">2,020</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Other fixed assets</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">15,984</TD>
    <TD STYLE="font-weight: bold; text-align: right">-11,380</TD>
    <TD STYLE="font-weight: bold; text-align: right">-45</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,559</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Installations and furniture</TD>
    <TD STYLE="text-align: center">10% to 20%</TD>
    <TD STYLE="text-align: right">3,313</TD>
    <TD STYLE="text-align: right">-2,521</TD>
    <TD STYLE="text-align: right">-14</TD>
    <TD STYLE="text-align: right">778</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Data processing systems</TD>
    <TD STYLE="text-align: center">20% to 50%</TD>
    <TD STYLE="text-align: right">9,475</TD>
    <TD STYLE="text-align: right">-7,560</TD>
    <TD STYLE="text-align: right">-31</TD>
    <TD STYLE="text-align: right">1,884</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Other <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: center">10% to 20%</TD>
    <TD STYLE="text-align: right">3,196</TD>
    <TD STYLE="text-align: right">-1,299</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">1,897</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">22,741</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-15,045</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-233</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">7,463</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="font-size: 9pt">1) Other refers to negotiations of Fixed assets in progress and other Communication, Security and Transportation equipments.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Fixed assets</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Anual depreciation rates</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Depreciation</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Impairment</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Residual</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Real Estate</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,132</TD>
    <TD STYLE="font-weight: bold; text-align: right">-3,835</TD>
    <TD STYLE="font-weight: bold; text-align: right">-151</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,146</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Land</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">1,199</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">1,199</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Buildings and Improvements</TD>
    <TD STYLE="text-align: center">4% to 10%</TD>
    <TD STYLE="text-align: right">5,933</TD>
    <TD STYLE="text-align: right">-3,835</TD>
    <TD STYLE="text-align: right">-151</TD>
    <TD STYLE="text-align: right">1,947</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Other fixed assets</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">16,254</TD>
    <TD STYLE="font-weight: bold; text-align: right">-11,588</TD>
    <TD STYLE="font-weight: bold; text-align: right">-45</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,621</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Installations and furniture</TD>
    <TD STYLE="text-align: center">10% to 20%</TD>
    <TD STYLE="text-align: right">3,559</TD>
    <TD STYLE="text-align: right">-2,655</TD>
    <TD STYLE="text-align: right">-14</TD>
    <TD STYLE="text-align: right">890</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Data processing systems</TD>
    <TD STYLE="text-align: center">20% to 50%</TD>
    <TD STYLE="text-align: right">9,786</TD>
    <TD STYLE="text-align: right">-7,659</TD>
    <TD STYLE="text-align: right">-31</TD>
    <TD STYLE="text-align: right">2,096</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Other <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: center">10% to 20%</TD>
    <TD STYLE="text-align: right">2,909</TD>
    <TD STYLE="text-align: right">-1,274</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">1,635</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">23,386</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-15,423</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">-196</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">7,767</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="font-size: 9pt">1) Other refers to negotiations of Fixed assets in progress and other Communication, Security and Transportation equipments.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The contractual commitments for purchase
of the fixed assets totaled R$ 3&nbsp;(R$ 3&nbsp;at&nbsp;12/31/2022), achievable by 2024 (Note32b III.lI - Off balance commitments).</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 14 - Goodwill and
Intangible assets</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Note</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Goodwill and intangible from acquisition</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Intangible assets</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="color: white; font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Association for the promotion and offer of financial products and services</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Software acquired</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Internally developed software</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Other intangible assets <SUP>(1)</SUP></FONT></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="vertical-align: top">Annual amortization rates</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">8%</TD>
    <TD STYLE="vertical-align: top; text-align: center">20%</TD>
    <TD STYLE="vertical-align: top; text-align: center">20%</TD>
    <TD STYLE="vertical-align: top; text-align: center">10% to 20%</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Cost</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 5%">Balance at</TD>
    <TD STYLE="font-weight: bold; text-align: left; width: 22%">12/31/2022</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 11%">12,431</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 19%">2,366</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 10%">5,423</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 10%">16,088</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 10%">7,634</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 7%">43,942</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Acquisitions</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">603</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">266</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,777</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">429</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,075</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Termination / disposals</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(236)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(76)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(512)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(827)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Exchange variation</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(618)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">124</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(45)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(76)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(91)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(706)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Other</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(23)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(518)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(5)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(548)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold">Balance at</TD>
    <TD STYLE="font-weight: bold; text-align: left">09/30/2023</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">12,414</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,231</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,050</TD>
    <TD STYLE="font-weight: bold; text-align: right">18,781</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,460</TD>
    <TD STYLE="font-weight: bold; text-align: right">45,936</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Amortization</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Balance at</TD>
    <TD STYLE="font-weight: bold; text-align: left">12/31/2022</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,357)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3,737)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(6,133)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3,166)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(14,393)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Amortization expense</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(66)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(329)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,709)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(955)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,059)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Termination / disposals</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">217</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">36</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">482</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">735</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Exchange variation</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(47)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">44</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">80</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">86</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Other</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">20</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">382</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(50)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">352</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold">Balance at</TD>
    <TD STYLE="font-weight: bold; text-align: left">09/30/2023</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,233)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3,639)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(7,848)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3,559)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(16,279)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Impairment</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Balance at</TD>
    <TD STYLE="font-weight: bold; text-align: left">12/31/2022</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4,881)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(559)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(171)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(824)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(6,435)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Increase</TD>
    <TD STYLE="font-weight: bold; text-align: center">2d VIII</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(7)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(7)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Exchange variation</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">368</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(81)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">287</FONT></TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: top">Balance at</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; text-align: left">09/30/2023</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; text-align: right">(4,513)</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; text-align: right">(640)</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; text-align: right">(171)</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; text-align: right">(831)</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">(6,155)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Book value</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Balance at</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: left">09/30/2023</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">7,901</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">358</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1,240</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">10,102</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">3,901</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">23,502</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="9" STYLE="font-size: 9pt; text-align: justify">1) Includes amounts paid to the rights for acquisition of payrolls, proceeds, retirement and pension benefits and similar benefits.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>&nbsp;</B></P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="color: white; font-weight: bold; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Note</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Goodwill and intangible from acquisition</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Intangible assets</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="color: white; font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">31/12/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Association for the promotion and offer of financial products and services</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Software acquired</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Internally developed software</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Other intangible assets <SUP>(1)</SUP></FONT></TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="vertical-align: top">Annual amortization rates</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">8%</TD>
    <TD STYLE="vertical-align: top; text-align: center">20%</TD>
    <TD STYLE="vertical-align: top; text-align: center">20%</TD>
    <TD STYLE="vertical-align: top; text-align: center">10% to 20%</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 6%">Cost</TD>
    <TD STYLE="color: white; font-weight: bold; width: 15%">01/01/2022</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 18%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 12%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 11%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 11%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 11%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Balance at</TD>
    <TD STYLE="font-weight: bold; text-align: left">12/31/2021</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">13,031</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,657</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,476</TD>
    <TD STYLE="font-weight: bold; text-align: right">11,157</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,431</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">39,752</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Acquisitions</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">519</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,208</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,041</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,768</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Termination / disposals</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(23)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(480)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(504)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Exchange variation</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(600)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(276)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(339)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(41)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,256)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Other</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(15)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,210)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">724</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">683</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">182</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold">Balance at</TD>
    <TD STYLE="font-weight: bold; text-align: left">12/31/2022</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">12,431</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,366</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,423</TD>
    <TD STYLE="font-weight: bold; text-align: right">16,088</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,634</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">43,942</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Amortization</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Balance at</TD>
    <TD STYLE="font-weight: bold; text-align: left">12/31/2021</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,374)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4,149)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4,220)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,984)</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(11,727)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Amortization expense</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(115)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(517)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,511)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,200)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,343)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Termination / disposals</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">480</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">487</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Exchange variation</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">116</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">188</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">28</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">329</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Other</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">734</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(399)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(490)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(139)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold">Balance at</TD>
    <TD STYLE="font-weight: bold; text-align: left">12/31/2022</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,357)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3,737)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(6,133)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3,166)</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(14,393)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Impairment</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Balance at</TD>
    <TD STYLE="font-weight: bold; text-align: left">12/31/2021</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(5,209)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(712)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(171)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(823)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(6,915)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Increase</TD>
    <TD STYLE="font-weight: bold; text-align: center">2d VIII</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Exchange variation</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">328</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">153</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">481</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold">Balance at</TD>
    <TD STYLE="font-weight: bold; text-align: left">12/31/2022</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4,881)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(559)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(171)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(824)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(6,435)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Book value</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Balance at</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: left">12/31/2022</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">7,550</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">450</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1,515</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">9,131</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">4,468</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">23,114</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="9" STYLE="font-size: 9pt; text-align: justify">1) Includes amounts paid to the rights for acquisition of payrolls, proceeds, retirement and pension benefits and similar benefits.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">
<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Amortization expense related to the rights
for acquisition of payrolls and associations, in the amount of&nbsp;R$ (934)&nbsp;(R$ 1,202&nbsp;at&nbsp;12/31/2022) is disclosed in the
General and administrative expenses (Note&nbsp;23).&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">At 12/31/2022, in Other is included the
total amount of&nbsp;R$ 61,&nbsp;related to the hyperinflationary adjustment for Argentina.&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Goodwill and Intangible Assets from Acquisition
are mainly represented by Banco Ita&uacute; Chile&#8217;s goodwill in the amount of R$ 2,777&nbsp;(R$ 3,015&nbsp;at&nbsp;12/31/2022).</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 15 - Deposits</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 27%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Total</TD>
    <TD STYLE="text-align: left; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Interest-bearing deposits</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">378,749</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">442,383</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">821,132</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">376,238</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">372,635</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">748,873</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Savings deposits</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">174,006</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">174,006</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">179,764</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">179,764</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Interbank deposits</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,597</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">34</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,631</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,821</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">73</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,894</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Time deposits</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">197,146</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">442,349</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">639,495</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">191,653</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">372,562</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">564,215</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Non-interest bearing deposits</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">111,152</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">111,152</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">122,565</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">122,565</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Demand deposits</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">103,556</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">103,556</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">117,587</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">117,587</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 0.5pt solid">Other deposits</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,596</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,596</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,978</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,978</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">489,901</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">442,383</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">932,284</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">498,803</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">372,635</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">871,438</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 16 - Financial liabilities
designated at fair value through profit or loss</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 27%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Total</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Structured notes</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Debt securities</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">96</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">98</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">62</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">64</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">96</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">98</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">62</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">64</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">The effect of credit risk of these instruments is not significant
at&nbsp;09/30/2023&nbsp;and&nbsp;12/31/2022.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Debt securities do not have a defined amount
on maturity, since they vary according to market quotation and an exchange variation component, respectively.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 17 - Securities
sold under repurchase agreements and interbank and institutional market funds</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Securities sold under
repurchase agreements</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="9">The table below shows the breakdown of funds:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Interest rate (p.a.)</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 34%">Assets pledged as collateral</TD>
    <TD STYLE="text-align: center; width: 17%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">139,178</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">56</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">139,234</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">90,700</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">119</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">90,819</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Government securities</TD>
    <TD STYLE="text-align: center">12.25% to 100% of SELIC</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">115,060</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">115,060</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">66,665</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">66,665</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Corporate securities</TD>
    <TD STYLE="text-align: center">5% to 97% of CDI</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">23,028</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">23,028</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">22,562</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">22,562</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Own issue</TD>
    <TD STYLE="text-align: center">12.8% to 15.75%</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Foreign</TD>
    <TD STYLE="text-align: center">0.7% to 8.88%</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,088</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">50</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,138</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,471</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">113</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,584</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Assets received as collateral</TD>
    <TD STYLE="font-weight: bold; text-align: center">12.25% to 12.65%</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">137,152</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">137,152</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">127,375</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">0</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">127,375</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">Right to sell or repledge the collateral</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">5.4% to 98.97% of CDI</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">36,564</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">44,732</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">81,296</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">52,723</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">22,523</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">75,246</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">312,894</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">44,788</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">357,682</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">270,798</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">22,642</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">293,440</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Interbank market funds</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Interest rate (p.a.)</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 31%">Financial bills</TD>
    <TD STYLE="text-align: center; width: 20%">4.92% to 17.28%</TD>
    <TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">27,690</FONT></TD>
    <TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">51,458</FONT></TD>
    <TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">79,148</FONT></TD>
    <TD STYLE="text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,842</FONT></TD>
    <TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">62,763</FONT></TD>
    <TD STYLE="text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">66,605</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Real estate credit bills</TD>
    <TD STYLE="text-align: center">5.49% to 13.73%</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">31,762</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">17,330</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">49,092</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">24,274</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,843</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">28,117</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Rural credit bills</TD>
    <TD STYLE="text-align: center">4.9% to 13.9%</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16,545</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">19,057</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">35,602</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">26,547</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9,736</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">36,283</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Guaranteed real estate bills</TD>
    <TD STYLE="text-align: center">4.85% to 14.87%</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,392</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">51,835</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">58,227</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,908</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">45,667</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">50,575</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Import and export financing</TD>
    <TD STYLE="text-align: center">0% to 10.18%</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">89,584</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,738</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">96,322</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">74,304</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">26,848</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">101,152</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Onlending domestic</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: center">0% to 18%</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,675</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,627</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,302</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,553</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,302</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">11,855</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">176,648</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">155,045</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">331,693</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">137,428</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">157,159</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">294,587</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">The total portfolio comprises R$ 0&nbsp;(R$ 1,032 at 12/31/2022)
pegged to&nbsp;Libor.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Funding for import and export financing
represents credit facilities available for financing of imports and exports of Brazilian companies, in general denominated in foreign
currency.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Institutional market
funds</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Interest rate (p.a.)</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 34%">Subordinated debt</TD>
    <TD STYLE="text-align: center; width: 17%">LIB to 100% of CDI</TD>
    <TD STYLE="text-align: right; width: 8%">858</TD>
    <TD STYLE="text-align: right; width: 8%">44,001</TD>
    <TD STYLE="text-align: right; width: 8%">44,859</TD>
    <TD STYLE="text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 8%">9,851</TD>
    <TD STYLE="text-align: right; width: 8%">44,689</TD>
    <TD STYLE="text-align: right; width: 8%">54,540</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Foreign loans through securities</TD>
    <TD STYLE="text-align: center">0.09% to 5.61%</TD>
    <TD STYLE="text-align: right">8,835</TD>
    <TD STYLE="text-align: right">54,378</TD>
    <TD STYLE="text-align: right">63,213</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">10,333</TD>
    <TD STYLE="text-align: right">60,188</TD>
    <TD STYLE="text-align: right">70,521</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Funding from structured operations certificates</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: center">3.45% to 21.17%</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">901</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">8,103</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">9,004</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">547</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">3,774</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">4,321</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">10,594</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">106,482</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">117,076</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">20,731</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">108,651</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">129,382</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The fair value of Funding from structured
operations certificates is R$ 9,970 (R$ 4,949 at 12/31/2022).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>d) Subordinated debt,
including perpetual debts</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 41%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; width: 11%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; width: 16%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; width: 8%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid">Name of security / currency</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Principal amount (original currency)</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Issue</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Maturity</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Return p.a.</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Subordinated financial bills - BRL</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,146</TD>
    <TD STYLE="text-align: right">2019</TD>
    <TD STYLE="text-align: right">Perpetual</TD>
    <TD STYLE="text-align: right">114% of SELIC</TD>
    <TD STYLE="text-align: right">2,168</TD>
    <TD STYLE="text-align: right">2,249</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">935</TD>
    <TD STYLE="text-align: right">2019</TD>
    <TD STYLE="text-align: right">Perpetual</TD>
    <TD STYLE="text-align: right">SELIC + 1.17% to 1.19%</TD>
    <TD STYLE="text-align: right">1,019</TD>
    <TD STYLE="text-align: right">1,047</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">50</TD>
    <TD STYLE="text-align: right">2019</TD>
    <TD STYLE="text-align: right">2028</TD>
    <TD STYLE="text-align: right">CDI + 0.72%</TD>
    <TD STYLE="text-align: right">69</TD>
    <TD STYLE="text-align: right">62</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,281</TD>
    <TD STYLE="text-align: right">2019</TD>
    <TD STYLE="text-align: right">2029</TD>
    <TD STYLE="text-align: right">CDI + 0.75%</TD>
    <TD STYLE="text-align: right">3,132</TD>
    <TD STYLE="text-align: right">2,834</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">450</TD>
    <TD STYLE="text-align: right">2020</TD>
    <TD STYLE="text-align: right">2029</TD>
    <TD STYLE="text-align: right">CDI + 1.85%</TD>
    <TD STYLE="text-align: right">613</TD>
    <TD STYLE="text-align: right">550</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">106</TD>
    <TD STYLE="text-align: right">2020</TD>
    <TD STYLE="text-align: right">2030</TD>
    <TD STYLE="text-align: right">IPCA + 4.64%</TD>
    <TD STYLE="text-align: right">148</TD>
    <TD STYLE="text-align: right">138</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,556</TD>
    <TD STYLE="text-align: right">2020</TD>
    <TD STYLE="text-align: right">2030</TD>
    <TD STYLE="text-align: right">CDI + 2%</TD>
    <TD STYLE="text-align: right">2,128</TD>
    <TD STYLE="text-align: right">1,907</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">5,488</TD>
    <TD STYLE="text-align: right">2021</TD>
    <TD STYLE="text-align: right">2031</TD>
    <TD STYLE="text-align: right">CDI + 2%</TD>
    <TD STYLE="text-align: right">7,226</TD>
    <TD STYLE="text-align: right">6,478</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,005</TD>
    <TD STYLE="text-align: right">2022</TD>
    <TD STYLE="text-align: right">Perpetual</TD>
    <TD STYLE="text-align: right">CDI + 2.4%</TD>
    <TD STYLE="text-align: right">1,165</TD>
    <TD STYLE="text-align: right">1,041</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">17,668</TD>
    <TD STYLE="font-weight: bold; text-align: right">16,306</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Subordinated euronotes - USD</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,870</TD>
    <TD STYLE="text-align: right">2012</TD>
    <TD STYLE="text-align: right">2023</TD>
    <TD STYLE="text-align: right">5.13%</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">9,735</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,250</TD>
    <TD STYLE="text-align: right">2017</TD>
    <TD STYLE="text-align: right">Perpetual</TD>
    <TD STYLE="text-align: right">7.72%</TD>
    <TD STYLE="text-align: right">6,377</TD>
    <TD STYLE="text-align: right">6,516</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">750</TD>
    <TD STYLE="text-align: right">2018</TD>
    <TD STYLE="text-align: right">Perpetual</TD>
    <TD STYLE="text-align: right">6.50%</TD>
    <TD STYLE="text-align: right">3,763</TD>
    <TD STYLE="text-align: right">3,985</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">750</TD>
    <TD STYLE="text-align: right">2019</TD>
    <TD STYLE="text-align: right">2029</TD>
    <TD STYLE="text-align: right">4.50%</TD>
    <TD STYLE="text-align: right">3,816</TD>
    <TD STYLE="text-align: right">3,932</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">700</TD>
    <TD STYLE="text-align: right">2020</TD>
    <TD STYLE="text-align: right">Perpetual</TD>
    <TD STYLE="text-align: right">4.63%</TD>
    <TD STYLE="text-align: right">3,520</TD>
    <TD STYLE="text-align: right">3,708</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">501</TD>
    <TD STYLE="text-align: right">2021</TD>
    <TD STYLE="text-align: right">2031</TD>
    <TD STYLE="text-align: right">3.88%</TD>
    <TD STYLE="text-align: right">2,542</TD>
    <TD STYLE="text-align: right">2,623</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">200</TD>
    <TD STYLE="text-align: right">2022</TD>
    <TD STYLE="text-align: right">Perpetual</TD>
    <TD STYLE="text-align: right">6.80%</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">3</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">20,018</TD>
    <TD STYLE="font-weight: bold; text-align: right">30,502</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Subordinated bonds - CLP</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">180,351</TD>
    <TD STYLE="text-align: right">2008</TD>
    <TD STYLE="text-align: right">2033</TD>
    <TD STYLE="text-align: right">3.50% to 4.92%</TD>
    <TD STYLE="text-align: right">1,375</TD>
    <TD STYLE="text-align: right">1,476</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">97,962</TD>
    <TD STYLE="text-align: right">2009</TD>
    <TD STYLE="text-align: right">2035</TD>
    <TD STYLE="text-align: right">4.75%</TD>
    <TD STYLE="text-align: right">1,058</TD>
    <TD STYLE="text-align: right">1,133</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,060,250</TD>
    <TD STYLE="text-align: right">2010</TD>
    <TD STYLE="text-align: right">2032</TD>
    <TD STYLE="text-align: right">4.35%</TD>
    <TD STYLE="text-align: right">105</TD>
    <TD STYLE="text-align: right">112</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,060,250</TD>
    <TD STYLE="text-align: right">2010</TD>
    <TD STYLE="text-align: right">2035</TD>
    <TD STYLE="text-align: right">3.90% to 3.96%</TD>
    <TD STYLE="text-align: right">241</TD>
    <TD STYLE="text-align: right">257</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,060,250</TD>
    <TD STYLE="text-align: right">2010</TD>
    <TD STYLE="text-align: right">2036</TD>
    <TD STYLE="text-align: right">4.48%</TD>
    <TD STYLE="text-align: right">1,149</TD>
    <TD STYLE="text-align: right">1,225</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,060,250</TD>
    <TD STYLE="text-align: right">2010</TD>
    <TD STYLE="text-align: right">2038</TD>
    <TD STYLE="text-align: right">3.93%</TD>
    <TD STYLE="text-align: right">838</TD>
    <TD STYLE="text-align: right">892</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,060,250</TD>
    <TD STYLE="text-align: right">2010</TD>
    <TD STYLE="text-align: right">2040</TD>
    <TD STYLE="text-align: right">4.15% to 4.29%</TD>
    <TD STYLE="text-align: right">644</TD>
    <TD STYLE="text-align: right">687</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,060,250</TD>
    <TD STYLE="text-align: right">2010</TD>
    <TD STYLE="text-align: right">2042</TD>
    <TD STYLE="text-align: right">4.45%</TD>
    <TD STYLE="text-align: right">314</TD>
    <TD STYLE="text-align: right">335</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">57,168</TD>
    <TD STYLE="text-align: right">2014</TD>
    <TD STYLE="text-align: right">2034</TD>
    <TD STYLE="text-align: right">3.80%</TD>
    <TD STYLE="text-align: right">411</TD>
    <TD STYLE="text-align: right">438</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,135</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,555</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Subordinated bonds - COP</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: right">104,000</TD>
    <TD STYLE="text-align: right">2013</TD>
    <TD STYLE="text-align: right">2023</TD>
    <TD STYLE="text-align: right">IPC + 2%</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">115</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">146,000</TD>
    <TD STYLE="text-align: right">2013</TD>
    <TD STYLE="text-align: right">2028</TD>
    <TD STYLE="text-align: right">IPC + 2%</TD>
    <TD STYLE="text-align: right">184</TD>
    <TD STYLE="text-align: right">161</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">780,392</TD>
    <TD STYLE="text-align: right">2014</TD>
    <TD STYLE="text-align: right">2024</TD>
    <TD STYLE="text-align: right">LIB</TD>
    <TD STYLE="text-align: right">854</TD>
    <TD STYLE="text-align: right">901</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,038</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,177</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">44,859</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">54,540</TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 18 - Other assets
and liabilities</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Other assets</B><TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 65%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">Note</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 12%">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 12%">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">117,578</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">111,284</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">At amortized cost</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">115,963</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">109,909</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Receivables from credit card issuers</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">70,854</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">65,852</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Deposits in guarantee for contingent liabilities, provisions and legal obligations</TD>
    <TD STYLE="text-align: center">29d</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,621</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13,001</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Trading and intermediation of securities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">17,205</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">17,969</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Income receivable</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,340</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,610</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Operations without credit granting characteristics, net of provisions</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9,698</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,900</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Net amount receivables from reimbursement of provisions</TD>
    <TD STYLE="text-align: center">29c</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">916</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">899</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Deposits in guarantee of fund raisings abroad</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">329</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">648</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Other</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">30</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">At fair value through profit or loss</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,615</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,375</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Other financial assets</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,615</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,375</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Non-financial</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">20,465</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">17,474</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Sundry foreign</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,022</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">965</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Prepaid expenses</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,778</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,338</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Sundry domestic</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,475</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,653</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Assets of post-employment benefit plans</TD>
    <TD STYLE="text-align: center">26e</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">380</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">411</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Lease right-of-use</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,341</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,863</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 0.5pt solid">Other</TD>
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,469</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,244</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Current</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">117,614</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">109,569</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Non-current</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">20,429</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">19,189</FONT></TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Other liabilities</B><TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 64%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Note</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 13%">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 13%">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">170,514</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">167,234</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">At amortized cost</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">169,795</TD>
    <TD STYLE="font-weight: bold; text-align: right">166,651</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Credit card operations</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">142,472</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">138,300</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Trading and intermediation of securities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16,755</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">17,744</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Foreign exchange portfolio</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,932</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,580</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Finance leases</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,372</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,929</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Other</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,264</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,098</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">At fair value through profit or loss</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">719</TD>
    <TD STYLE="font-weight: bold; text-align: right">583</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Other financial liabilities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">719</TD>
    <TD STYLE="text-align: right">583</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Non-financial</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">52,060</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">47,895</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Funds in transit</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">18,718</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">19,737</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Charging and collection of taxes and similar</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9,062</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">551</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Social and statutory</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,007</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10,375</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Deferred income</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,481</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,737</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Sundry domestic</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,274</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,730</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Personnel provision</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,221</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,403</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Provision for sundry payments</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,483</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,055</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Obligations on official agreements and rendering of payment services</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,194</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,725</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Liabilities from post-employment benefit plans</TD>
    <TD STYLE="text-align: center">26e</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,255</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,320</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 0.5pt solid">Other</TD>
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,365</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,262</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Current</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">213,176</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">205,883</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Non-current</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,398</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,246</FONT></TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 19 - Stockholders&#8217;
equity</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Capital</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Capital is represented by&nbsp;9,804,135,348
book-entry shares with no par value, of which&nbsp;4,958,290,359 are common shares and&nbsp;4,845,844,989 are preferred shares with no
voting rights, but with tag-along rights in a public offering of shares, in a possible transfer of control, assuring them a price equal
to 80% (eighty per cent) of the amount paid per voting share in the controlling block, and a dividend at least equal to that of the common
shares.&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The breakdown and change in shares of paid-in
capital in the beginning and end of the period are shown below:</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Number</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Amount</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Common</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Preferred</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; width: 44%">Residents in Brazil</TD>
    <TD STYLE="text-align: center; width: 12%">12/31/2022</TD>
    <TD STYLE="text-align: right; width: 11%">4,927,867,243</TD>
    <TD STYLE="text-align: right; width: 11%">1,629,498,182</TD>
    <TD STYLE="text-align: right; width: 11%">6,557,365,425</TD>
    <TD STYLE="text-align: right; width: 11%">60,683</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 0.5pt solid">Residents abroad</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">30,423,116</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">3,216,346,807</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">3,246,769,923</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">30,046</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Shares of capital stock</TD>
    <TD STYLE="font-weight: bold; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,958,290,359</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,845,844,989</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,804,135,348</TD>
    <TD STYLE="font-weight: bold; text-align: right">90,729</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">Shares of capital stock</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">4,958,290,359</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">4,845,844,989</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">9,804,135,348</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">90,729</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Residents in Brazil</TD>
    <TD STYLE="text-align: center">09/30/2023</TD>
    <TD STYLE="text-align: right">4,924,233,806</TD>
    <TD STYLE="text-align: right">1,620,428,529</TD>
    <TD STYLE="text-align: right">6,544,662,335</TD>
    <TD STYLE="text-align: right">60,565</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Residents abroad</TD>
    <TD STYLE="text-align: center">09/30/2023</TD>
    <TD STYLE="text-align: right">34,056,553</TD>
    <TD STYLE="text-align: right">3,225,416,460</TD>
    <TD STYLE="text-align: right">3,259,473,013</TD>
    <TD STYLE="text-align: right">30,164</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Treasury shares <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,268,688</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,268,688</TD>
    <TD STYLE="font-weight: bold; text-align: right">-71</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Acquisition of treasury shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">26,000,000</TD>
    <TD STYLE="text-align: right">26,000,000</TD>
    <TD STYLE="text-align: right">-689</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Result from delivery of treasury shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-28,013,043</TD>
    <TD STYLE="text-align: right">-28,013,043</TD>
    <TD STYLE="text-align: right">727</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Treasury shares <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">1,255,645</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">1,255,645</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">-33</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Number of total shares at the end of the period <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,958,290,359</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,844,589,344</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,802,879,703</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Number of total shares at the end of the period <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">4,958,290,359</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">4,842,576,301</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">9,800,866,660</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Number</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Amount</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Common</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Preferred</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Residents in Brazil</TD>
    <TD STYLE="text-align: center">12/31/2021</TD>
    <TD STYLE="text-align: right">4,929,997,183</TD>
    <TD STYLE="text-align: right">1,771,808,645</TD>
    <TD STYLE="text-align: right">6,701,805,828</TD>
    <TD STYLE="text-align: right">62,020</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 0.5pt solid">Residents abroad</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">28,293,176</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">3,074,036,344</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">3,102,329,520</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">28,709</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Shares of capital stock</TD>
    <TD STYLE="font-weight: bold; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,958,290,359</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,845,844,989</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,804,135,348</TD>
    <TD STYLE="font-weight: bold; text-align: right">90,729</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">Shares of capital stock</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">4,958,290,359</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">4,845,844,989</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">9,804,135,348</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">90,729</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Residents in Brazil</TD>
    <TD STYLE="text-align: center">12/31/2022</TD>
    <TD STYLE="text-align: right">4,927,867,243</TD>
    <TD STYLE="text-align: right">1,629,498,182</TD>
    <TD STYLE="text-align: right">6,557,365,425</TD>
    <TD STYLE="text-align: right">60,683</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Residents abroad</TD>
    <TD STYLE="text-align: center">12/31/2022</TD>
    <TD STYLE="text-align: right">30,423,116</TD>
    <TD STYLE="text-align: right">3,216,346,807</TD>
    <TD STYLE="text-align: right">3,246,769,923</TD>
    <TD STYLE="text-align: right">30,046</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Treasury shares <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; text-align: right">24,244,725</TD>
    <TD STYLE="font-weight: bold; text-align: right">24,244,725</TD>
    <TD STYLE="font-weight: bold; text-align: right">-528</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Result from delivery of treasury shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0</TD>
    <TD STYLE="text-align: right">-20,976,037</TD>
    <TD STYLE="text-align: right">-20,976,037</TD>
    <TD STYLE="text-align: right">457</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Treasury shares <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">0</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">3,268,688</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">3,268,688</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">-71</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Number of total shares at the end of the period <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,958,290,359</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,842,576,301</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,800,866,660</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Number of total shares at the end of the period <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">4,958,290,359</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">4,821,600,264</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">9,779,890,623</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="font-size: 9pt; text-align: justify">1) Own shares, purchased based on authorization of the Board of Directors, to be held in Treasury, for subsequent cancellation or replacement in the market.<BR>
2) Shares representing total capital stock net of treasury shares.</TD></TR>
  </TABLE>

<P STYLE="text-align: center; font: 10pt/107% Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 8pt">&nbsp;</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="8" STYLE="text-align: justify">We detail below the cost of shares purchased in the period, as well the average cost of treasury shares and their market price:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid">Cost / market value</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Common</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Preferred</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Common</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Preferred</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; width: 22%">Minimum</TD>
    <TD STYLE="width: 22%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 15%">0.00</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 13%">25.52</TD>
    <TD STYLE="text-align: right; width: 13%">0.00</TD>
    <TD STYLE="text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 13%">0.00</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Weighted average</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0.00</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">26.49</TD>
    <TD STYLE="text-align: right">0.00</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">0.00</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Maximum</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0.00</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">27.13</TD>
    <TD STYLE="text-align: right">0.00</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">0.00</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">Treasury shares</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Average cost</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0.00</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">25.98</TD>
    <TD STYLE="text-align: right">0.00</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">21.76</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px; border-bottom: black 1pt solid">Market value on the last day of the base date</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">23.06</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">27.21</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">21.89</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">25.00</TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Dividends</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Shareholders are entitled to a mandatory
minimum dividend in each fiscal year, corresponding to 25% of adjusted net income, as set forth in the Bylaws.&nbsp; Common and preferred
shares participate equally in income distributed, after common shares have received dividends equal to the minimum annual priority dividend
payable to preferred shares (R$ 0.022 non-cumulative per share).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;monthly
advances the mandatory minimum dividend, using the share position of the last day of the previous month as the calculation basis, and
the payment made on the first business day of the subsequent month in the amount of R$ 0.015 per share.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>I - Calculation of dividends
and interest on capital</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 70%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 15%">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 15%">09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Statutory net income</TD>
    <TD STYLE="text-align: right">23,993</TD>
    <TD STYLE="text-align: right">22,598</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Adjustments:</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">(-)&nbsp;&nbsp;Legal reserve - 5%</TD>
    <TD STYLE="text-align: right">-1,200</TD>
    <TD STYLE="text-align: right">-1,130</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Dividend calculation basis</TD>
    <TD STYLE="font-weight: bold; text-align: right">22,793</TD>
    <TD STYLE="font-weight: bold; text-align: right">21,468</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Minimum mandatory dividend - 25%</TD>
    <TD STYLE="text-align: right">5,698</TD>
    <TD STYLE="text-align: right">5,367</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Dividends and interest on capital paid / accrued</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,967</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,367</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>II - Stockholders' compensation</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 4%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; width: 56%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Gross value per share (R$)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">WHT (With holding tax)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Net</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Paid / prepaid</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,560</TD>
    <TD STYLE="font-weight: bold; text-align: right">(983)</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,577</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding-left: 12px; vertical-align: middle; text-align: left">Interest on capital - 8 monthly installments paid from February to September 2023</TD>
    <TD STYLE="vertical-align: top; text-align: right">0.0150</TD>
    <TD STYLE="vertical-align: top; text-align: right">1,383</TD>
    <TD STYLE="vertical-align: top; text-align: right">(207)</TD>
    <TD STYLE="vertical-align: top; text-align: right">1,176</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding-left: 12px; vertical-align: middle; text-align: left">Interest on capital - paid on 08/25/2023</TD>
    <TD STYLE="vertical-align: middle; text-align: right">0.2227</TD>
    <TD STYLE="vertical-align: middle; text-align: right">2,567</TD>
    <TD STYLE="vertical-align: middle; text-align: right">(385)</TD>
    <TD STYLE="vertical-align: top; text-align: right">2,182</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px">Interest on capital - paid on 08/25/2023</TD>
    <TD STYLE="text-align: right">0.2264</TD>
    <TD STYLE="text-align: right">2,610</TD>
    <TD STYLE="text-align: right">(391)</TD>
    <TD STYLE="text-align: right">2,219</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Accrued (Recorded in Other liabilities - Social and statutory)</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,812</TD>
    <TD STYLE="font-weight: bold; text-align: right">(422)</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,390</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding-left: 12px; vertical-align: middle; text-align: left">Interest on capital - 1 monthly installment paid on 10/02/2023</TD>
    <TD STYLE="vertical-align: middle; text-align: right">0.0150</TD>
    <TD STYLE="vertical-align: middle; text-align: right">173</TD>
    <TD STYLE="vertical-align: middle; text-align: right">(26)</TD>
    <TD STYLE="vertical-align: top; text-align: right">147</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding-left: 12px; vertical-align: middle; text-align: left">Interest on capital - credited on 09/06/2023 to be paid until 04/30/2024</TD>
    <TD STYLE="vertical-align: middle; text-align: right">0.2289</TD>
    <TD STYLE="vertical-align: middle; text-align: right">2,639</TD>
    <TD STYLE="vertical-align: middle; text-align: right">(396)</TD>
    <TD STYLE="vertical-align: top; text-align: right">2,243</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Total -</TD>
    <TD STYLE="font-weight: bold; text-align: left">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,372</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,405)</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,967</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Gross value per share (R$)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Value</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">WHT (With holding tax)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Net</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: left">Paid / prepaid</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">4,387</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(657)</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,730</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding-left: 12px; vertical-align: middle; text-align: left">lnterest on capital - 8 monthly installments paid from February to September 2022</TD>
    <TD STYLE="vertical-align: middle; text-align: right">0.0150</TD>
    <TD STYLE="vertical-align: middle; text-align: right">1,383</TD>
    <TD STYLE="vertical-align: middle; text-align: right">(207)</TD>
    <TD STYLE="vertical-align: top; text-align: right">1,176</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding-left: 12px; vertical-align: middle; text-align: left">lnterest on capital - paid on 08/30/2022</TD>
    <TD STYLE="vertical-align: middle; text-align: right">0.2605</TD>
    <TD STYLE="vertical-align: middle; text-align: right">3,004</TD>
    <TD STYLE="vertical-align: middle; text-align: right">(450)</TD>
    <TD STYLE="vertical-align: top; text-align: right">2,554</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="font-weight: bold; vertical-align: middle; text-align: left">Accrued (Recorded in Other liabilities - Social and statutory)</TD>
    <TD STYLE="vertical-align: middle; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">1,926</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; text-align: right">(289)</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; text-align: right">1,637</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding-left: 12px; vertical-align: middle; text-align: left">lnterest on capital - 1 monthly installment paid on 10/03/2022</TD>
    <TD STYLE="vertical-align: middle; text-align: right">0.0150</TD>
    <TD STYLE="vertical-align: middle; text-align: right">173</TD>
    <TD STYLE="vertical-align: middle; text-align: right">(26)</TD>
    <TD STYLE="vertical-align: top; text-align: right">147</TD></TR>
  <TR>
    <TD COLSPAN="2" STYLE="padding-left: 12px; vertical-align: middle; text-align: left">Interest on capital</TD>
    <TD STYLE="vertical-align: middle; text-align: right">0.1521</TD>
    <TD STYLE="vertical-align: middle; text-align: right">1,753</TD>
    <TD STYLE="vertical-align: middle; text-align: right">(263)</TD>
    <TD STYLE="vertical-align: top; text-align: right">1,490</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Total -</TD>
    <TD STYLE="font-weight: bold; text-align: left">01/01 to 09/30/2022</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,313</TD>
    <TD STYLE="font-weight: bold; text-align: right">(946)</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,367</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Capital reserves and
profit reserves</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; width: 66%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 10%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 11%">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 11%">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 1%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Capital reserves</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,426</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,480</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Premium on subscription of shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">284</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">284</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Share-based payment</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,138</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,192</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Reserves from tax incentives, restatement of equity securities and other</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Profit reserves</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">98,543</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">86,209</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Legal <SUP>(1)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">16,271</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">15,071</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Statutory <SUP>(2)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">82,272</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">71,138</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Total reserves at parent company</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">100,969</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">88,689</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">1) Its purpose is to ensure the integrity of capital, compensate loss or increase capital.<BR>
2) Its main purpose is to ensure the yield flow to shareholders.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Statutory reserves include&nbsp;R$ 136,
which refers to net income remaining after the distribution of dividends and appropriations to statutory reserves in the statutory accounts
of ITA&Uacute; UNIBANCO HOLDING.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>d) Non-controlling interests</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Stockholders&rsquo; equity</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Income</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 59%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">12/31/2022</TD>
    <TD STYLE="text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 10%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Banco Ita&uacute; Chile</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,789</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,926</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">504</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">658</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Ita&uacute; Colombia S.A.</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">18</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">14</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Financeira Ita&uacute; CBD S.A. Cr&eacute;dito, Financiamento e Investimento</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">830</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">769</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">97</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">90</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Luizacred S.A. Soc. Cred. Financiamento Investimento</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">319</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">377</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-58</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">-43</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Other</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,082</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,304</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">57</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">58</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,038</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,390</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">600</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">765</FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 20 - Share-based
payment</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="text-align: justify">ITA&Uacute; UNIBANCO HOLDING and its subsidiaries have share-based payment plans aimed at involving their management members and employees in the medium and long term corporate development process.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="text-align: justify">The grant of these benefits is only made in years in which there are sufficient profits to permit the distribution of mandatory dividends, limiting dilution to 0.5% of the total shares held by the controlling and minority stockholders at the balance sheet date. These programs are settled through the delivery of ITUB4 treasury shares to stockholders.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="text-align: justify">Expenses on share-based payment plans are presented in the table below:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 56%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Partner plan</TD>
    <TD STYLE="text-align: right">-81</TD>
    <TD STYLE="text-align: right">-56</TD>
    <TD STYLE="text-align: right">-190</TD>
    <TD STYLE="text-align: right">-114</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Share-based plan</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-115</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-122</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-352</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-291</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">-196</TD>
    <TD STYLE="font-weight: bold; text-align: right">-178</TD>
    <TD STYLE="font-weight: bold; text-align: right">-542</TD>
    <TD STYLE="font-weight: bold; text-align: right">-405</TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Partner plan</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="text-align: justify">The program enables employees and managers of ITA&Uacute; UNIBANCO HOLDING to invest a percentage of their bonus to acquire shares and share-based instruments. There is a lockup period of from three to five years, counted from the initial investment date, and the shares are thus subject to market price variations. After complying with the preconditions outlined in the program, beneficiaries are entitled to receive shares as consideration, in accordance with the number of shares indicated in the regulations.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="text-align: justify">The acquisition price of shares and share-based instruments is established every six months as the average of the share price over the last 30 days, which is performed on the seventh business day prior to the remuneration grant date.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="text-align: justify">The fair value of the consideration in shares is the market price at the grant date, less expected dividends.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="color: #EC7000; font-weight: bold; border-bottom: black 1pt solid">Change in the partner program</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: top; width: 74%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 12%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 13%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Quantity</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Quantity</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">Opening balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white">48,253,812</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">36,943,996</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">New</TD>
    <TD STYLE="text-align: right; background-color: white">24,920,268</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">21,516,603</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Delivered</TD>
    <TD STYLE="text-align: right; background-color: white">(9,533,753)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(9,226,877)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Cancelled</TD>
    <TD STYLE="text-align: right; background-color: white">(1,123,774)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(817,826)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid">Closing balance</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">62,516,553</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">48,415,896</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Weighted average of remaining contractual life (years)</TD>
    <TD STYLE="text-align: right; background-color: white">2.61</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2.47</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Market value weighted average (R$)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; background-color: white">21.88</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">22.21</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Variable compensation</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="text-align: justify">In this plan, part of the administrators variable remuneration is paid in cash and part in shares during a period of three years. Shares are delivered on a deferred basis, of which one-third per year, upon compliance with the conditions provided for in internal regulation. The deferred unpaid portions may be reversed proportionally to a significant reduction in the recurring income realized or the negative income for the period.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="text-align: justify">Management members become eligible for the receipt of these benefits according to individual performance, business performance or both. The benefit amount is established according to the activities of each management member who meets at least the performance and conduct requirements.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="text-align: justify">The fair value of the share is the market price at its grant date.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #EC7000; font-weight: bold">Change in share-based variable compensation</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; width: 74%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 12%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: left; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 13%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Quantity</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Quantity</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">Opening balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">44,230,077</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">36,814,248</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">New</TD>
    <TD STYLE="text-align: right">21,368,010</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">21,965,099</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Delivered</TD>
    <TD STYLE="text-align: right">(20,968,288)</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">(14,263,138)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 0.5pt solid">Cancelled</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(289,035)</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(817,625)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">Closing balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">44,340,764</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">43,698,584</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">Weighted average of remaining contractual life (years)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">1.10</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">1.16</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Market value weighted average (R$)</TD>
    <TD STYLE="font-weight: bold; text-align: right">25.74</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">24.80</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 21 - Interest and
similar income and expenses and income of financial assets and liabilities at fair value through profit or loss</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Interest and similar
income</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 60%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Compulsory deposits in the Central Bank of Brazil</TD>
    <TD STYLE="text-align: right">3,356</TD>
    <TD STYLE="text-align: right">2,902</TD>
    <TD STYLE="text-align: right">9,469</TD>
    <TD STYLE="text-align: right">7,301</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Interbank deposits</TD>
    <TD STYLE="text-align: right">1,196</TD>
    <TD STYLE="text-align: right">1,067</TD>
    <TD STYLE="text-align: right">3,063</TD>
    <TD STYLE="text-align: right">2,261</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Securities purchased under agreements to resell</TD>
    <TD STYLE="text-align: right">10,196</TD>
    <TD STYLE="text-align: right">7,513</TD>
    <TD STYLE="text-align: right">29,693</TD>
    <TD STYLE="text-align: right">16,207</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Financial assets at fair value through other comprehensive income</TD>
    <TD STYLE="text-align: right">8,335</TD>
    <TD STYLE="text-align: right">6,414</TD>
    <TD STYLE="text-align: right">21,163</TD>
    <TD STYLE="text-align: right">15,718</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Financial assets at amortized cost</TD>
    <TD STYLE="text-align: right">3,179</TD>
    <TD STYLE="text-align: right">2,843</TD>
    <TD STYLE="text-align: right">9,567</TD>
    <TD STYLE="text-align: right">8,560</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Loan operations</TD>
    <TD STYLE="text-align: right">33,470</TD>
    <TD STYLE="text-align: right">30,858</TD>
    <TD STYLE="text-align: right">97,869</TD>
    <TD STYLE="text-align: right">84,934</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Other financial assets</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">313</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">172</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">770</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">915</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">60,045</TD>
    <TD STYLE="font-weight: bold; text-align: right">51,769</TD>
    <TD STYLE="font-weight: bold; text-align: right">171,594</TD>
    <TD STYLE="font-weight: bold; text-align: right">135,896</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Interest and similar
expense</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 60%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Deposits</TD>
    <TD STYLE="text-align: right">(18,964)</TD>
    <TD STYLE="text-align: right">(15,974)</TD>
    <TD STYLE="text-align: right">(53,983)</TD>
    <TD STYLE="text-align: right">(35,483)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Securities sold under repurchase agreements</TD>
    <TD STYLE="text-align: right">(11,497)</TD>
    <TD STYLE="text-align: right">(8,221)</TD>
    <TD STYLE="text-align: right">(34,192)</TD>
    <TD STYLE="text-align: right">(19,135)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Interbank market funds</TD>
    <TD STYLE="text-align: right">(7,214)</TD>
    <TD STYLE="text-align: right">(4,844)</TD>
    <TD STYLE="text-align: right">(25,474)</TD>
    <TD STYLE="text-align: right">(13,855)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Institutional market funds</TD>
    <TD STYLE="text-align: right">(2,219)</TD>
    <TD STYLE="text-align: right">(3,235)</TD>
    <TD STYLE="text-align: right">(7,638)</TD>
    <TD STYLE="text-align: right">(9,677)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Other</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(84)</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(107)</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(267)</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(256)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">(39,978)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(32,381)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(121,554)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(78,406)</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Income of financial
assets and liabilities at fair value through profit or loss</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 60%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Securities</TD>
    <TD STYLE="text-align: right">6,084</TD>
    <TD STYLE="text-align: right">3,431</TD>
    <TD STYLE="text-align: right">21,797</TD>
    <TD STYLE="text-align: right">7,761</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 11pt; font-style: normal; font-weight: 400">Derivatives <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: right">4,964</TD>
    <TD STYLE="text-align: right">5,004</TD>
    <TD STYLE="text-align: right">538</TD>
    <TD STYLE="text-align: right">4,984</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Financial assets designated at fair value through profit or loss</TD>
    <TD STYLE="text-align: right">(208)</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">261</TD>
    <TD STYLE="text-align: right">498</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Other financial assets at fair value through profit or loss</TD>
    <TD STYLE="text-align: right">287</TD>
    <TD STYLE="text-align: right">618</TD>
    <TD STYLE="text-align: right">1,094</TD>
    <TD STYLE="text-align: right">1,351</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Financial liabilities at fair value through profit or loss</TD>
    <TD STYLE="text-align: right">(219)</TD>
    <TD STYLE="text-align: right">(517)</TD>
    <TD STYLE="text-align: right">(886)</TD>
    <TD STYLE="text-align: right">(1,179)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Financial liabilities designated at fair value</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">20</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">19</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">41</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">18</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">10,928</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">8,554</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">22,845</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">13,433</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="font-size: 9pt">1) Includes the ineffective derivatives portion related to hedge accounting.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">During the period ended 09/30/2023,&nbsp;ITA&Uacute;
UNIBANCO HOLDING&nbsp;derecognized/(recognized)&nbsp;R$ (2,096) (R$ 33&nbsp;from&nbsp;01/01 to 09/30/2022) of Expected losses,&nbsp;R$
(154) (R$ (30)&nbsp;from&nbsp;01/01 to 09/30/2022) for Financial assets &#8211; Fair value through other comprehensive income&nbsp;and&nbsp;R$
(1,942)&nbsp;(R$ 63&nbsp;from 01/01 to 09/30/2022) for Financial assets &#8211; Amortized cost.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 22 - Commissions
and banking fees</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 56%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Credit and debit cards</TD>
    <TD STYLE="text-align: right">5,287</TD>
    <TD STYLE="text-align: right">5,226</TD>
    <TD STYLE="text-align: right">15,649</TD>
    <TD STYLE="text-align: right">14,648</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Current account services</TD>
    <TD STYLE="text-align: right">1,697</TD>
    <TD STYLE="text-align: right">1,857</TD>
    <TD STYLE="text-align: right">5,219</TD>
    <TD STYLE="text-align: right">5,743</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Asset management</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,516</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,456</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,259</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,460</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Funds</TD>
    <TD STYLE="text-align: right">1,068</TD>
    <TD STYLE="text-align: right">1,199</TD>
    <TD STYLE="text-align: right">3,195</TD>
    <TD STYLE="text-align: right">3,825</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Consortia</TD>
    <TD STYLE="text-align: right">448</TD>
    <TD STYLE="text-align: right">257</TD>
    <TD STYLE="text-align: right">1,064</TD>
    <TD STYLE="text-align: right">635</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Credit operations and financial guarantees provided</TD>
    <TD STYLE="font-weight: bold; text-align: right">635</TD>
    <TD STYLE="font-weight: bold; text-align: right">636</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,903</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,927</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Credit operations</TD>
    <TD STYLE="text-align: right">278</TD>
    <TD STYLE="text-align: right">283</TD>
    <TD STYLE="text-align: right">834</TD>
    <TD STYLE="text-align: right">930</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Financial guarantees provided</TD>
    <TD STYLE="text-align: right">357</TD>
    <TD STYLE="text-align: right">353</TD>
    <TD STYLE="text-align: right">1,069</TD>
    <TD STYLE="text-align: right">997</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Collection services</TD>
    <TD STYLE="text-align: right">505</TD>
    <TD STYLE="text-align: right">498</TD>
    <TD STYLE="text-align: right">1,519</TD>
    <TD STYLE="text-align: right">1,474</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Advisory services and brokerage</TD>
    <TD STYLE="text-align: right">1,021</TD>
    <TD STYLE="text-align: right">844</TD>
    <TD STYLE="text-align: right">2,540</TD>
    <TD STYLE="text-align: right">2,623</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Custody services</TD>
    <TD STYLE="text-align: right">157</TD>
    <TD STYLE="text-align: right">149</TD>
    <TD STYLE="text-align: right">450</TD>
    <TD STYLE="text-align: right">464</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Other</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">789</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">681</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">2,297</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">1,966</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">11,607</TD>
    <TD STYLE="font-weight: bold; text-align: right">11,347</TD>
    <TD STYLE="font-weight: bold; text-align: right">33,836</TD>
    <TD STYLE="font-weight: bold; text-align: right">33,305</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 23 - General and
administrative expenses</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 63%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Personnel&nbsp;&nbsp;expenses</TD>
    <TD STYLE="font-weight: bold; text-align: right">(8,365)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(7,914)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(24,084)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(23,044)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Compensation, Payroll charges, Welfare benefits, Provision for labor claims, Dismissals, Training and Other <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: right">(6,375)</TD>
    <TD STYLE="text-align: right">(6,000)</TD>
    <TD STYLE="text-align: right">(18,870)</TD>
    <TD STYLE="text-align: right">(18,252)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Employees&rsquo; profit sharing and Share-based payment</TD>
    <TD STYLE="text-align: right">(1,990)</TD>
    <TD STYLE="text-align: right">(1,914)</TD>
    <TD STYLE="text-align: right">(5,214)</TD>
    <TD STYLE="text-align: right">(4,792)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Administrative&nbsp;&nbsp;expenses</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4,435)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4,323)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(13,459)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(12,713)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: justify">Third-Party and Financial System Services, Security, Transportation and Travel expenses</TD>
    <TD STYLE="text-align: right">(1,901)</TD>
    <TD STYLE="text-align: right">(2,083)</TD>
    <TD STYLE="text-align: right">(5,794)</TD>
    <TD STYLE="text-align: right">(5,731)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Data processing and&nbsp;&nbsp;telecommunications</TD>
    <TD STYLE="text-align: right">(1,242)</TD>
    <TD STYLE="text-align: right">(1,067)</TD>
    <TD STYLE="text-align: right">(3,662)</TD>
    <TD STYLE="text-align: right">(3,025)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Installations and Materials</TD>
    <TD STYLE="text-align: right">(443)</TD>
    <TD STYLE="text-align: right">(286)</TD>
    <TD STYLE="text-align: right">(1,631)</TD>
    <TD STYLE="text-align: right">(1,607)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Advertising, promotions and&nbsp;&nbsp;publicity</TD>
    <TD STYLE="text-align: right">(535)</TD>
    <TD STYLE="text-align: right">(566)</TD>
    <TD STYLE="text-align: right">(1,428)</TD>
    <TD STYLE="text-align: right">(1,339)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: right">(314)</TD>
    <TD STYLE="text-align: right">(321)</TD>
    <TD STYLE="text-align: right">(944)</TD>
    <TD STYLE="text-align: right">(1,011)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Depreciation and amortization</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,572)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,582)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4,896)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4,278)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Other expenses</TD>
    <TD STYLE="font-weight: bold; text-align: right">(5,567)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3,437)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(13,798)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(10,450)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Selling - credit cards</TD>
    <TD STYLE="text-align: right">(1,478)</TD>
    <TD STYLE="text-align: right">(1,622)</TD>
    <TD STYLE="text-align: right">(4,528)</TD>
    <TD STYLE="text-align: right">(4,718)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Claims losses</TD>
    <TD STYLE="text-align: right">(311)</TD>
    <TD STYLE="text-align: right">(274)</TD>
    <TD STYLE="text-align: right">(780)</TD>
    <TD STYLE="text-align: right">(903)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Selling of non-financial products</TD>
    <TD STYLE="text-align: right">(154)</TD>
    <TD STYLE="text-align: right">(115)</TD>
    <TD STYLE="text-align: right">(431)</TD>
    <TD STYLE="text-align: right">(260)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: justify">Loss on&nbsp;&nbsp;sale of other assets, fixed assets and investments in associates and joint&nbsp;&nbsp;ventures</TD>
    <TD STYLE="text-align: right">(1,463)</TD>
    <TD STYLE="text-align: right">(58)</TD>
    <TD STYLE="text-align: right">(1,540)</TD>
    <TD STYLE="text-align: right">(89)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Provision for lawsuits civil</TD>
    <TD STYLE="text-align: right">(308)</TD>
    <TD STYLE="text-align: right">(244)</TD>
    <TD STYLE="text-align: right">(1,221)</TD>
    <TD STYLE="text-align: right">(784)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Provision for tax and social&nbsp;&nbsp;security lawsuits</TD>
    <TD STYLE="text-align: right">(514)</TD>
    <TD STYLE="text-align: right">140</TD>
    <TD STYLE="text-align: right">(910)</TD>
    <TD STYLE="text-align: right">(526)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Refund of interbank costs</TD>
    <TD STYLE="text-align: right">(102)</TD>
    <TD STYLE="text-align: right">(85)</TD>
    <TD STYLE="text-align: right">(295)</TD>
    <TD STYLE="text-align: right">(267)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Impairment</TD>
    <TD STYLE="text-align: right">(6)</TD>
    <TD STYLE="text-align: right">(7)</TD>
    <TD STYLE="text-align: right">(44)</TD>
    <TD STYLE="text-align: right">(7)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 0.5pt solid; text-align: left">Other</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(1,231)</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(1,172)</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(4,049)</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(2,896)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">(19,939)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(17,256)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(56,237)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(50,485)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">1) At 09/30/2022, includes the effects of the Voluntary Severance Program.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 24 - Taxes</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="text-align: justify">ITA&Uacute; UNIBANCO HOLDING and each one of its subsidiaries calculate separately, in each fiscal year, Income tax and social contribution on net income.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 81%">&nbsp;</TD>
    <TD STYLE="width: 19%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="text-align: justify">Taxes are calculated at the rates shown below and consider, for effects of respective calculation bases, the legislation in force applicable to each charge.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">Income tax</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right">15.00%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Additional income tax</TD>
    <TD STYLE="text-align: right">10.00%</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="border-bottom: black 1pt solid">Social contribution on net income</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">20.00%</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Expenses for taxes
and contributions</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="text-align: left">Breakdown of income tax and social contribution calculation on net income:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 56%">Due on operations for the period</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 11%">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 11%">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 11%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 11%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Income / (loss) before income tax and social contribution</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">10,473</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">9,582</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">29,617</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">28,636</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Charges (income tax and social contribution) at the rates in effect <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: right">(4,713)</TD>
    <TD STYLE="text-align: right">(4,384)</TD>
    <TD STYLE="text-align: right">(13,328)</TD>
    <TD STYLE="text-align: right">(12,958)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Increase / decrease in income tax and social contribution charges arising from:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Share of profit or (loss) of associates and joint ventures</TD>
    <TD STYLE="text-align: right">334</TD>
    <TD STYLE="text-align: right">233</TD>
    <TD STYLE="text-align: right">654</TD>
    <TD STYLE="text-align: right">551</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Foreign exchange variation on investments abroad</TD>
    <TD STYLE="text-align: right">(21)</TD>
    <TD STYLE="text-align: right">(16)</TD>
    <TD STYLE="text-align: right">(5)</TD>
    <TD STYLE="text-align: right">(40)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Interest on capital</TD>
    <TD STYLE="text-align: right">1,397</TD>
    <TD STYLE="text-align: right">1,536</TD>
    <TD STYLE="text-align: right">4,146</TD>
    <TD STYLE="text-align: right">2,061</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Other nondeductible expenses net of non taxable income <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="text-align: right">(223)</TD>
    <TD STYLE="text-align: right">585</TD>
    <TD STYLE="text-align: right">(525)</TD>
    <TD STYLE="text-align: right">3,571</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Income tax and social contribution expenses</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3,226)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(2,046)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(9,058)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(6,815)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Related to temporary differences</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Increase / (reversal) for the period</TD>
    <TD STYLE="text-align: right">1,222</TD>
    <TD STYLE="text-align: right">582</TD>
    <TD STYLE="text-align: right">4,373</TD>
    <TD STYLE="text-align: right">859</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">(Expenses) / Income from deferred taxes</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,222</TD>
    <TD STYLE="font-weight: bold; text-align: right">582</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,373</TD>
    <TD STYLE="font-weight: bold; text-align: right">859</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Total income tax and social contribution expenses</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(2,004)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(1,464)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(4,685)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(5,956)</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD COLSPAN="5" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">1) In 2022, it considers the current IRPJ and CSLL rate equal to 45% in the period from January to July and it is equal to 46% in the period from August to September.<BR>
2) Includes temporary (additions) and exclusions.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Deferred taxes</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>I - The deferred tax
asset balance and its changes, segregated based on its origin and disbursements, are represented by:</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 57%">01/01/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Realization / Reversal</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">Increase</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Reflected in income</TD>
    <TD STYLE="font-weight: bold; text-align: right">55,806</TD>
    <TD STYLE="font-weight: bold; text-align: right">(13,232)</TD>
    <TD STYLE="font-weight: bold; text-align: right">17,338</TD>
    <TD STYLE="font-weight: bold; text-align: right">59,912</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Provision for expected loss</TD>
    <TD STYLE="text-align: right">34,160</TD>
    <TD STYLE="text-align: right">(5,161)</TD>
    <TD STYLE="text-align: right">9,490</TD>
    <TD STYLE="text-align: right">38,489</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Related to tax losses and social contribution loss carryforwards</TD>
    <TD STYLE="text-align: right">2,496</TD>
    <TD STYLE="text-align: right">(371)</TD>
    <TD STYLE="text-align: right">540</TD>
    <TD STYLE="text-align: right">2,665</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Provision for profit sharing</TD>
    <TD STYLE="text-align: right">2,635</TD>
    <TD STYLE="text-align: right">(2,635)</TD>
    <TD STYLE="text-align: right">2,110</TD>
    <TD STYLE="text-align: right">2,110</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Provision for devaluation of securities with permanent impairment</TD>
    <TD STYLE="text-align: right">812</TD>
    <TD STYLE="text-align: right">(407)</TD>
    <TD STYLE="text-align: right">620</TD>
    <TD STYLE="text-align: right">1,025</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Provisions</TD>
    <TD STYLE="text-decoration: underline; text-align: right">5,734</TD>
    <TD STYLE="text-decoration: underline; text-align: right">(1,650)</TD>
    <TD STYLE="text-decoration: underline; text-align: right">1,839</TD>
    <TD STYLE="text-decoration: underline; text-align: right">5,923</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Civil lawsuits</TD>
    <TD STYLE="text-align: right">1,230</TD>
    <TD STYLE="text-align: right">(622)</TD>
    <TD STYLE="text-align: right">567</TD>
    <TD STYLE="text-align: right">1,175</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Labor claims</TD>
    <TD STYLE="text-align: right">3,010</TD>
    <TD STYLE="text-align: right">(932)</TD>
    <TD STYLE="text-align: right">910</TD>
    <TD STYLE="text-align: right">2,988</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Tax and social security obligations</TD>
    <TD STYLE="text-align: right">1,494</TD>
    <TD STYLE="text-align: right">(96)</TD>
    <TD STYLE="text-align: right">362</TD>
    <TD STYLE="text-align: right">1,760</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Legal obligations</TD>
    <TD STYLE="text-align: right">464</TD>
    <TD STYLE="text-align: right">(54)</TD>
    <TD STYLE="text-align: right">20</TD>
    <TD STYLE="text-align: right">430</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustments of operations carried out on the futures settlement market</TD>
    <TD STYLE="text-align: right">171</TD>
    <TD STYLE="text-align: right">(171)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustment to fair value of financial assets - At fair value through profit or loss</TD>
    <TD STYLE="text-align: right">804</TD>
    <TD STYLE="text-align: right">(804)</TD>
    <TD STYLE="text-align: right">1,358</TD>
    <TD STYLE="text-align: right">1,358</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Provision relating to health insurance operations</TD>
    <TD STYLE="text-align: right">400</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">404</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: right">8,130</TD>
    <TD STYLE="text-align: right">(1,977)</TD>
    <TD STYLE="text-align: right">1,355</TD>
    <TD STYLE="text-align: right">7,508</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Reflected in stockholders&rsquo; equity</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,453</TD>
    <TD STYLE="font-weight: bold; text-align: right">(420)</TD>
    <TD STYLE="font-weight: bold; text-align: right">519</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,552</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustment to fair value of financial assets - At fair value through other comprehensive income</TD>
    <TD STYLE="text-align: right">2,546</TD>
    <TD STYLE="text-align: right">(235)</TD>
    <TD STYLE="text-align: right">507</TD>
    <TD STYLE="text-align: right">2,818</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Cash flow hedge</TD>
    <TD STYLE="text-align: right">342</TD>
    <TD STYLE="text-align: right">(185)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">157</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: right">565</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">12</TD>
    <TD STYLE="text-align: right">577</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Total <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">59,259</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">(13,652)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">17,857</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">63,464</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="font-size: 9pt; text-align: justify">1) The accounting records of deferred tax assets on income tax losses and/or social contribution loss carryforwards, as well as those arising from temporary differences, are based on technical feasibility studies which consider the expected generation of future taxable income, considering the history of profitability for each subsidiary individually, and for the consolidated taken as a whole.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 57%">01/01/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Realization / Reversal</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">Increase</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Reflected in income</TD>
    <TD STYLE="font-weight: bold; text-align: right">53,135</TD>
    <TD STYLE="font-weight: bold; text-align: right">(19,244)</TD>
    <TD STYLE="font-weight: bold; text-align: right">21,915</TD>
    <TD STYLE="font-weight: bold; text-align: right">55,806</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Provision for expected loss</TD>
    <TD STYLE="text-align: right">28,428</TD>
    <TD STYLE="text-align: right">(7,622)</TD>
    <TD STYLE="text-align: right">13,354</TD>
    <TD STYLE="text-align: right">34,160</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Related to tax losses and social contribution loss carryforwards</TD>
    <TD STYLE="text-align: right">3,751</TD>
    <TD STYLE="text-align: right">(1,518)</TD>
    <TD STYLE="text-align: right">263</TD>
    <TD STYLE="text-align: right">2,496</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Provision for profit sharing</TD>
    <TD STYLE="text-align: right">2,265</TD>
    <TD STYLE="text-align: right">(2,265)</TD>
    <TD STYLE="text-align: right">2,635</TD>
    <TD STYLE="text-align: right">2,635</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Provision for devaluation of securities with permanent impairment</TD>
    <TD STYLE="text-align: right">998</TD>
    <TD STYLE="text-align: right">(595)</TD>
    <TD STYLE="text-align: right">409</TD>
    <TD STYLE="text-align: right">812</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Provisions</TD>
    <TD STYLE="text-decoration: underline; text-align: right">5,848</TD>
    <TD STYLE="text-decoration: underline; text-align: right">(1,699)</TD>
    <TD STYLE="text-decoration: underline; text-align: right">1,585</TD>
    <TD STYLE="text-decoration: underline; text-align: right">5,734</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Civil lawsuits</TD>
    <TD STYLE="text-align: right">1,257</TD>
    <TD STYLE="text-align: right">(400)</TD>
    <TD STYLE="text-align: right">373</TD>
    <TD STYLE="text-align: right">1,230</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Labor claims</TD>
    <TD STYLE="text-align: right">3,175</TD>
    <TD STYLE="text-align: right">(1,204)</TD>
    <TD STYLE="text-align: right">1,039</TD>
    <TD STYLE="text-align: right">3,010</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Tax and social security obligations</TD>
    <TD STYLE="text-align: right">1,416</TD>
    <TD STYLE="text-align: right">(95)</TD>
    <TD STYLE="text-align: right">173</TD>
    <TD STYLE="text-align: right">1,494</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Legal obligations</TD>
    <TD STYLE="text-align: right">822</TD>
    <TD STYLE="text-align: right">(379)</TD>
    <TD STYLE="text-align: right">21</TD>
    <TD STYLE="text-align: right">464</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustments of operations carried out on the futures settlement market</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">171</TD>
    <TD STYLE="text-align: right">171</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustment to fair value of financial assets - At fair value through profit or loss</TD>
    <TD STYLE="text-align: right">2,726</TD>
    <TD STYLE="text-align: right">(2,726)</TD>
    <TD STYLE="text-align: right">804</TD>
    <TD STYLE="text-align: right">804</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Provision relating to health insurance operations</TD>
    <TD STYLE="text-align: right">437</TD>
    <TD STYLE="text-align: right">(59)</TD>
    <TD STYLE="text-align: right">22</TD>
    <TD STYLE="text-align: right">400</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: right">7,860</TD>
    <TD STYLE="text-align: right">(2,381)</TD>
    <TD STYLE="text-align: right">2,651</TD>
    <TD STYLE="text-align: right">8,130</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Reflected in stockholders&rsquo; equity</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,447</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,249)</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,255</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,453</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustment to fair value of financial assets - At fair value through other comprehensive income</TD>
    <TD STYLE="text-align: right">1,445</TD>
    <TD STYLE="text-align: right">(1,127)</TD>
    <TD STYLE="text-align: right">2,228</TD>
    <TD STYLE="text-align: right">2,546</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Cash flow hedge</TD>
    <TD STYLE="text-align: right">461</TD>
    <TD STYLE="text-align: right">(122)</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">342</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: right">541</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">24</TD>
    <TD STYLE="text-align: right">565</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Total <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">55,582</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">(20,493)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">24,170</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">59,259</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="font-size: 9pt; text-align: justify">1) The accounting records of deferred tax assets on income tax losses and/or social contribution loss carryforwards, as well as those arising from temporary differences, are based on technical feasibility studies which consider the expected generation of future taxable income, considering the history of profitability for each subsidiary individually, and for the consolidated taken as a whole.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B> </B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Deferred income tax and social contribution
assets and liabilities are recorded in the balance sheet offset by a taxable entity and amounting to&nbsp;R$ 55,731&nbsp;(R$ 51,634&nbsp;at&nbsp;12/31/2022)&nbsp;and
R$ 477&nbsp;(R$ 345&nbsp;at&nbsp;12/31/2022), respectively.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>II - The deferred tax
liabilities balance and its changes are represented by:</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 56%">01/01/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">Realization /&nbsp;&nbsp;reversal</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">Increase</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Reflected in income</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,111</TD>
    <TD STYLE="font-weight: bold; text-align: right">(2,120)</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,844</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,835</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Depreciation in excess finance lease</TD>
    <TD STYLE="text-align: right">141</TD>
    <TD STYLE="text-align: right">(13)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">128</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustment of deposits in guarantee and provisions</TD>
    <TD STYLE="text-align: right">1,439</TD>
    <TD STYLE="text-align: right">(92)</TD>
    <TD STYLE="text-align: right">198</TD>
    <TD STYLE="text-align: right">1,545</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Post-employment benefits</TD>
    <TD STYLE="text-align: right">17</TD>
    <TD STYLE="text-align: right">(16)</TD>
    <TD STYLE="text-align: right">14</TD>
    <TD STYLE="text-align: right">15</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustments of operations carried out on the futures settlement market</TD>
    <TD STYLE="text-align: right">42</TD>
    <TD STYLE="text-align: right">(42)</TD>
    <TD STYLE="text-align: right">94</TD>
    <TD STYLE="text-align: right">94</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustment to fair value of financial assets - At fair value through profit or loss</TD>
    <TD STYLE="text-align: right">1,554</TD>
    <TD STYLE="text-align: right">(1,554)</TD>
    <TD STYLE="text-align: right">1,308</TD>
    <TD STYLE="text-align: right">1,308</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Taxation of results abroad &ndash; capital gains</TD>
    <TD STYLE="text-align: right">734</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">63</TD>
    <TD STYLE="text-align: right">797</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: right">3,184</TD>
    <TD STYLE="text-align: right">(403)</TD>
    <TD STYLE="text-align: right">167</TD>
    <TD STYLE="text-align: right">2,948</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Reflected in stockholders&rsquo; equity</TD>
    <TD STYLE="font-weight: bold; text-align: right">859</TD>
    <TD STYLE="font-weight: bold; text-align: right">(336)</TD>
    <TD STYLE="font-weight: bold; text-align: right">852</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,375</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustment to fair value of financial assets - At fair value through other comprehensive income</TD>
    <TD STYLE="text-align: right">854</TD>
    <TD STYLE="text-align: right">(336)</TD>
    <TD STYLE="text-align: right">852</TD>
    <TD STYLE="text-align: right">1,370</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Post-employment benefits</TD>
    <TD STYLE="text-align: right">5</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">5</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">7,970</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(2,456)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,696</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">8,210</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; border-top: black 1pt solid; border-bottom: black 1pt solid; text-align: center">01/01/2022</TD>
    <TD COLSPAN="4" STYLE="border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2021</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Realization / reversal</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Increase</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Reflected in income</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,580</TD>
    <TD STYLE="font-weight: bold; text-align: right">(592)</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,123</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,111</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Depreciation in excess finance lease</TD>
    <TD STYLE="text-align: right">137</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">141</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustment of deposits in guarantee and provisions</TD>
    <TD STYLE="text-align: right">1,422</TD>
    <TD STYLE="text-align: right">(156)</TD>
    <TD STYLE="text-align: right">173</TD>
    <TD STYLE="text-align: right">1,439</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Post-employment benefits</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">(6)</TD>
    <TD STYLE="text-align: right">17</TD>
    <TD STYLE="text-align: right">17</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustments of operations carried out on the futures settlement market</TD>
    <TD STYLE="text-align: right">237</TD>
    <TD STYLE="text-align: right">(237)</TD>
    <TD STYLE="text-align: right">42</TD>
    <TD STYLE="text-align: right">42</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustment to fair value of financial assets - At fair value through profit or loss</TD>
    <TD STYLE="text-align: right">71</TD>
    <TD STYLE="text-align: right">(71)</TD>
    <TD STYLE="text-align: right">1,554</TD>
    <TD STYLE="text-align: right">1,554</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Taxation of results abroad &ndash; capital gains</TD>
    <TD STYLE="text-align: right">834</TD>
    <TD STYLE="text-align: right">(104)</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">734</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: right">1,873</TD>
    <TD STYLE="text-align: right">(18)</TD>
    <TD STYLE="text-align: right">1,329</TD>
    <TD STYLE="text-align: right">3,184</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Reflected in stockholders&rsquo; equity</TD>
    <TD STYLE="font-weight: bold; text-align: right">189</TD>
    <TD STYLE="font-weight: bold; text-align: right">(116)</TD>
    <TD STYLE="font-weight: bold; text-align: right">786</TD>
    <TD STYLE="font-weight: bold; text-align: right">859</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Adjustment to fair value of financial assets - At fair value through other comprehensive income</TD>
    <TD STYLE="text-align: right">182</TD>
    <TD STYLE="text-align: right">(114)</TD>
    <TD STYLE="text-align: right">786</TD>
    <TD STYLE="text-align: right">854</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Cash flow hedge</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Post-employment benefits</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">5</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">4,769</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(708)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">3,909</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">7,970</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Deferred income tax and social contribution
assets and liabilities are recorded in the balance sheet offset by a taxable entity and amounting to&nbsp;R$ 55,731&nbsp;(R$ 51,634&nbsp;at&nbsp;12/31/2022)&nbsp;and
R$ 477&nbsp;(R$ 345&nbsp;at&nbsp;12/31/2022), respectively.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>III - The estimate of
realization and present value of deferred tax assets and deferred tax liabilities are:</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">Deferred tax assets</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">Deferred tax liabilities</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">%</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">Net deferred taxes</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: center">Year of realization</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Temporary differences</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">%</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Tax loss / social contribution loss carryforwards</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">%</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid; text-align: center; width: 13%">2023</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 10%">6,572</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 6%">10.8%</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 17%">984</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 6%">36.9%</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 10%">7,556</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 6%">11.9%</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 10%">(172)</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 6%">2.1%</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 10%">7,384</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; width: 6%">13.4%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: center">2024</TD>
    <TD STYLE="text-align: right">19,062</TD>
    <TD STYLE="text-align: right">31.4%</TD>
    <TD STYLE="text-align: right">352</TD>
    <TD STYLE="text-align: right">13.2%</TD>
    <TD STYLE="text-align: right">19,414</TD>
    <TD STYLE="text-align: right">30.6%</TD>
    <TD STYLE="text-align: right">(301)</TD>
    <TD STYLE="text-align: right">3.7%</TD>
    <TD STYLE="text-align: right">19,113</TD>
    <TD STYLE="text-align: right">34.6%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: center">2025</TD>
    <TD STYLE="text-align: right">6,976</TD>
    <TD STYLE="text-align: right">11.5%</TD>
    <TD STYLE="text-align: right">165</TD>
    <TD STYLE="text-align: right">6.2%</TD>
    <TD STYLE="text-align: right">7,141</TD>
    <TD STYLE="text-align: right">11.3%</TD>
    <TD STYLE="text-align: right">(191)</TD>
    <TD STYLE="text-align: right">2.3%</TD>
    <TD STYLE="text-align: right">6,950</TD>
    <TD STYLE="text-align: right">12.6%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: center">2026</TD>
    <TD STYLE="text-align: right">7,757</TD>
    <TD STYLE="text-align: right">12.8%</TD>
    <TD STYLE="text-align: right">243</TD>
    <TD STYLE="text-align: right">9.1%</TD>
    <TD STYLE="text-align: right">8,000</TD>
    <TD STYLE="text-align: right">12.6%</TD>
    <TD STYLE="text-align: right">(206)</TD>
    <TD STYLE="text-align: right">2.5%</TD>
    <TD STYLE="text-align: right">7,794</TD>
    <TD STYLE="text-align: right">14.1%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: center">2027</TD>
    <TD STYLE="text-align: right">9,127</TD>
    <TD STYLE="text-align: right">15.0%</TD>
    <TD STYLE="text-align: right">172</TD>
    <TD STYLE="text-align: right">6.5%</TD>
    <TD STYLE="text-align: right">9,299</TD>
    <TD STYLE="text-align: right">14.7%</TD>
    <TD STYLE="text-align: right">(201)</TD>
    <TD STYLE="text-align: right">2.4%</TD>
    <TD STYLE="text-align: right">9,098</TD>
    <TD STYLE="text-align: right">16.5%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: center">After 2027</TD>
    <TD STYLE="text-align: right">11,305</TD>
    <TD STYLE="text-align: right">18.5%</TD>
    <TD STYLE="text-align: right">749</TD>
    <TD STYLE="text-align: right">28.1%</TD>
    <TD STYLE="text-align: right">12,054</TD>
    <TD STYLE="text-align: right">18.9%</TD>
    <TD STYLE="text-align: right">(7,139)</TD>
    <TD STYLE="text-align: right">87.0%</TD>
    <TD STYLE="text-align: right">4,915</TD>
    <TD STYLE="text-align: right">8.8%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">60,799</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">2,665</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">63,464</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">(8,210)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">55,254</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">100.0%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Present value <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">53,395</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">2,399</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">55,794</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">(6,002)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">49,792</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="11" STYLE="font-size: 9pt">1) The average funding rate, net of tax effects, was used to determine the present value.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="11" STYLE="text-align: justify">Projections of future taxable income include estimates of macroeconomic variables, exchange rates, interest rates, volumes of financial operations and service fees and other factors, which can vary in relation to actual data and amounts.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="11" STYLE="text-align: justify">Net income in the financial statements is not directly related to the taxable income for income tax and social contribution, due to differences between accounting criteria and the tax legislation, in addition to corporate aspects. Accordingly, it is recommended that changes in realization of deferred tax assets presented above are not considered as an indication of future net income.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV - Deferred tax assets
not accounted</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">At 09/30/2023, deferred tax assets not accounted
for correspond to R$&nbsp;367 (R$ 642 at 12/31/2022) and result from Management&#8217;s evaluation of their perspectives of realization
in the long term.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Tax liabilities</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 64%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 8%">Note</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 14%">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 14%">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">Taxes and contributions on income payable</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">5,305</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">2,950</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Deferred tax liabilities</TD>
    <TD STYLE="text-align: center">24b II</TD>
    <TD STYLE="text-align: right">477</TD>
    <TD STYLE="text-align: right">345</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Other</TD>
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">4,357</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">3,478</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">10,139</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,773</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Current</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">9,090</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">5,964</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Non-current</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,049</TD>
    <TD STYLE="font-weight: bold; text-align: right">809</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 25 - Earnings per
share</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Basic earnings per
share</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="text-align: justify">Net income attributable to ITA&Uacute; UNIBANCO HOLDING's shareholders is divided by the average number of outstanding shares in the period, excluding treasury shares.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 56%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 11%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Net income attributable to owners of the parent company</TD>
    <TD STYLE="font-weight: bold; text-align: right">8,358</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,949</TD>
    <TD STYLE="font-weight: bold; text-align: right">24,332</TD>
    <TD STYLE="font-weight: bold; text-align: right">21,915</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Minimum non-cumulative dividends on preferred shares</TD>
    <TD STYLE="text-align: right">(106)</TD>
    <TD STYLE="text-align: right">(106)</TD>
    <TD STYLE="text-align: right">(106)</TD>
    <TD STYLE="text-align: right">(106)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Retained earnings to be distributed to common equity owners in an amount per share equal to the minimum dividend payable to preferred equity owners</TD>
    <TD STYLE="text-align: right">(109)</TD>
    <TD STYLE="text-align: right">(109)</TD>
    <TD STYLE="text-align: right">(109)</TD>
    <TD STYLE="text-align: right">(109)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Retained earnings to be distributed, on a pro rata basis, to common and preferred equity owners:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Common</TD>
    <TD STYLE="text-align: right">4,119</TD>
    <TD STYLE="text-align: right">3,912</TD>
    <TD STYLE="text-align: right">12,205</TD>
    <TD STYLE="text-align: right">10,981</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Preferred</TD>
    <TD STYLE="text-align: right">4,024</TD>
    <TD STYLE="text-align: right">3,822</TD>
    <TD STYLE="text-align: right">11,912</TD>
    <TD STYLE="text-align: right">10,719</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total net income available to equity owners</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Common</TD>
    <TD STYLE="text-align: right">4,228</TD>
    <TD STYLE="text-align: right">4,021</TD>
    <TD STYLE="text-align: right">12,314</TD>
    <TD STYLE="text-align: right">11,090</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Preferred</TD>
    <TD STYLE="text-align: right">4,130</TD>
    <TD STYLE="text-align: right">3,928</TD>
    <TD STYLE="text-align: right">12,018</TD>
    <TD STYLE="text-align: right">10,825</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Weighted average number of outstanding shares</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Common</TD>
    <TD STYLE="text-align: right">4,958,290,359</TD>
    <TD STYLE="text-align: right">4,958,290,359</TD>
    <TD STYLE="text-align: right">4,958,290,359</TD>
    <TD STYLE="text-align: right">4,958,290,359</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Preferred</TD>
    <TD STYLE="text-align: right">4,842,992,578</TD>
    <TD STYLE="text-align: right">4,842,572,432</TD>
    <TD STYLE="text-align: right">4,839,375,710</TD>
    <TD STYLE="text-align: right">4,840,079,729</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Basic earnings per share &ndash; R$</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Common</TD>
    <TD STYLE="text-align: right">0.85</TD>
    <TD STYLE="text-align: right">0.81</TD>
    <TD STYLE="text-align: right">2.48</TD>
    <TD STYLE="text-align: right">2.24</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Preferred</TD>
    <TD STYLE="text-align: right">0.85</TD>
    <TD STYLE="text-align: right">0.81</TD>
    <TD STYLE="text-align: right">2.48</TD>
    <TD STYLE="text-align: right">2.24</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Diluted earnings per
share</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="text-align: justify">Calculated similarly to the basic earnings per share; however, it includes the conversion of all preferred shares potentially dilutable in the denominator.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; width: 60%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 10%">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 10%">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 10%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 10%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Net income available to preferred equity owners</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">4,130</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">3,928</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">12,018</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">10,825</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Dividends on preferred shares after dilution effects</TD>
    <TD STYLE="text-align: right">28</TD>
    <TD STYLE="text-align: right">25</TD>
    <TD STYLE="text-align: right">75</TD>
    <TD STYLE="text-align: right">58</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Net income available to preferred equity owners considering preferred shares after the dilution effect</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,158</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,953</TD>
    <TD STYLE="font-weight: bold; text-align: right">12,093</TD>
    <TD STYLE="font-weight: bold; text-align: right">10,883</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Net income available to ordinary equity owners</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,228</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,021</TD>
    <TD STYLE="font-weight: bold; text-align: right">12,314</TD>
    <TD STYLE="font-weight: bold; text-align: right">11,090</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Dividend on preferred shares after dilution effects</TD>
    <TD STYLE="text-align: right">(28)</TD>
    <TD STYLE="text-align: right">(25)</TD>
    <TD STYLE="text-align: right">(75)</TD>
    <TD STYLE="text-align: right">(58)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Net income available to ordinary equity owners considering preferred shares after the dilution effect</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,200</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,996</TD>
    <TD STYLE="font-weight: bold; text-align: right">12,239</TD>
    <TD STYLE="font-weight: bold; text-align: right">11,032</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Adjusted weighted average of shares</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Common</TD>
    <TD STYLE="text-align: right">4,958,290,359</TD>
    <TD STYLE="text-align: right">4,958,290,359</TD>
    <TD STYLE="text-align: right">4,958,290,359</TD>
    <TD STYLE="text-align: right">4,958,290,359</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Preferred</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,908,077,631</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,901,893,662</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,899,192,716</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,891,693,612</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Preferred</TD>
    <TD STYLE="text-align: right">4,842,992,578</TD>
    <TD STYLE="text-align: right">4,842,572,432</TD>
    <TD STYLE="text-align: right">4,839,375,710</TD>
    <TD STYLE="text-align: right">4,840,079,729</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Incremental as per share-based payment plans</TD>
    <TD STYLE="text-align: right">65,085,053</TD>
    <TD STYLE="text-align: right">59,321,230</TD>
    <TD STYLE="text-align: right">59,817,006</TD>
    <TD STYLE="text-align: right">51,613,883</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Diluted earnings per share &ndash; R$</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Common</TD>
    <TD STYLE="text-align: right">0.85</TD>
    <TD STYLE="text-align: right">0.81</TD>
    <TD STYLE="text-align: right">2.47</TD>
    <TD STYLE="text-align: right">2.22</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 1pt solid">Preferred</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">0.85</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">0.81</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">2.47</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">2.22</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="5" STYLE="text-align: justify">There was no potentially antidulitive effect of the shares in share-based payment plans, in both periods.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 26 - Post-employment
benefits</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;sponsors,
in conjunction&nbsp;with its subsidiaries, retirement plans for its employees.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Retirement plans are managed by Closed-end
Private Pension Entities (EFPC) and are closed to new applicants. These entities have an independent structure and manage their plans
according to the characteristics of their regulations.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">There are three types of retirement plan:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Defined
Benefit Plans (BD): plans for which scheduled benefits have their value established in advance, based on salaries and/or length of service
of employees, and the cost is actuarially determined. The&nbsp;plans classified in this category are: Plano de Aposentadoria Complementar;
Plano de Aposentadoria Complementar M&oacute;vel Vital&iacute;cia; Plano de Benef&iacute;cio Franprev; Plano de Benef&iacute;cio 002;
Plano de Benef&iacute;cios Prebeg; Plano BD UBB PREV; Plano de Benef&iacute;cios II; Plano B&aacute;sico Itaulam; Plano BD Itaucard; Plano
de Aposentadoria Principal Ita&uacute; Unibanco managed by Funda&ccedil;&atilde;o Ita&uacute; Unibanco - Previd&ecirc;ncia Complementar
(FIU); and Plano de Benef&iacute;cios I, managed by Fundo de Pens&atilde;o Multipatrocinado&nbsp;(FUNBEP).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Defined
Contribution Plans (CD):&nbsp;plans for which scheduled benefits have their value permanently adjusted to the investments balance, kept
in favor of the participant, including in the benefit concession phase, considering net proceedings of its investment, amounts contributed
and benefits paid.&nbsp;Defined Contribution plans include pension funds consisting of the portions of sponsor's contributions not included
in a participant's account balance due to loss of eligibility for the benefit, and of monies arising from the migration of retirement
plans in defined benefit modality. These funds are used for future contributions to individual participant's accounts, according to the
respective benefit plan regulations. The plans classified in this category are: Plano Itaubanco CD; Plano de Aposentadoria Itaubank; Plano
de Previd&ecirc;ncia REDECARD managed by FIU.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Variable
Contribution Plans (CV): in this type of plan, scheduled benefits present a combination of characteristics of defined contribution and
defined benefit modalities, and the benefit is actuarially determined based on the investments balance accumulated by the participant
on the retirement date.&nbsp;The plans classified in this category are: Plano de Previd&ecirc;ncia Unibanco Futuro Inteligente; Plano
Suplementar Itaulam; Plano CV Itaucard; Plano de Aposentadoria Suplementar Ita&uacute; Unibanco managed by FIU and Plano de Benef&iacute;cios
II managed by FUNBEP.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Main actuarial assumptions</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: justify">Actuarial assumptions of demographic and financial nature should reflect the best estimates about the variables that determine the post-employment benefit obligations.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; text-align: justify">The most relevant demographic assumption comprise of mortality table and the most relevant financial assumptions include: discount rate and inflation.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; border-top-color: black; border-top-width: 1pt; width: 46%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 1pt; width: 27%">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 1pt; width: 27%">09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Mortality table <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: center">AT-2000</TD>
    <TD STYLE="text-align: center">AT-2000</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Discount rate <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="text-align: center">10.34% p.a.</TD>
    <TD STYLE="text-align: center">9.46% p.a.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Inflation <SUP>(3)</SUP></FONT></TD>
    <TD STYLE="text-align: center">4.00% p.a.</TD>
    <TD STYLE="text-align: center">4.00% p.a.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">Actuarial method</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center">Projected Unit Credit</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center">Projected Unit Credit</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">1) Correspond to those disclosed by SOA (Society of Actuaries), that reflect a 10% increase in the probabilities of survival&nbsp;&nbsp;regarding the respective basic tables.<BR>
2) Determined based on market yield relating to National Treasury Notes (NTN-B) and compatible with the economic scenario observed on the balance sheet closing date, considering the volatility of interest market and models used.<BR>
3) Refers to estimated long-term projection.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: justify">Retirement plans sponsored by foreign subsidiaries - Banco Ita&uacute; (Suisse) S.A., Ita&uacute; Colombia S.A. and PROSERV - Promociones y Servicios S.A. de C.V. - are structured as Defined Benefit modality and adopt actuarial assumptions adequate to masses of participants and the economic scenario of each country.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Risk management</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The EFPCs sponsored by ITA&Uacute; UNIBANCO
HOLDING&nbsp;are regulated by the National Council for Complementary Pension (CNPC) and PREVIC, and have an Executive Board, Advisory
and Tax Councils.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Benefits offered have long-term characteristics
and the main factors involved in the management and measurement of their risks are financial risk, inflation risk and demographic risk.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%"><B>&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</B></FONT><B>Financial
risk&nbsp;</B>&#8211; the actuarial liability is calculated by adopting a discount, which may differ from rates earned in investments.
If real income from plan investments is lower than yield expected, this may give rise to a deficit. To mitigate this risk and assure the
capacity to pay long-term benefits, the plans have a significant percentage of fixed-income securities pegged to the plan commitments,
aiming at minimizing volatility and risk of mismatch between assets and liabilities. Additionally, adherence tests are carried out in
financial assumptions to ensure their adequacy to obligations of respective plans.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Inflation
risk </B>-&nbsp;a large part of liabilities is pegged to inflation risk, making actuarial liabilities sensitive to increase in rates.
To mitigate this risk, the same financial risks mitigation strategies are used.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%"><B>&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</B></FONT><B>Demographic
risk -&nbsp;</B>plans that have any obligation actuarially assessed are exposed to demographic risk. In the event the mortality tables
used are not adherent to the mass of plan participants, a deficit or surplus may arise in actuarial evaluation. To mitigate this risk,
adherence tests to demographic assumptions are conducted to ensure their adequacy to liabilities of respective plans.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For purposes of registering in the balance
sheet of the EFPCs that manage them, actuarial liabilities of plans use discount rate adherent to their&nbsp;asset portfolio and income
and expense flows, according to a study prepared by an independent&nbsp;actuarial consulting company. The actuarial method used is the
aggregate method, through which the plan costing is defined by the difference between its equity coverage and the current value of its
future liabilities, observing the methodology established in the respective actuarial technical note.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 20pt; text-align: justify">When a deficit in the concession period
above the legally defined limits is noted, debt agreements are entered into with the sponsor according to costing policies, which affect
the future contributions of the plan, and a plan for solving such deficit is established respecting the guarantees set forth by the legislation
in force. The plans that are in this situation are resolved through extraordinary contributions that affect the values of the future contribution
of the plan.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Asset management</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="text-align: justify">The purpose of the management of the funds is the long-term balance between pension assets and liabilities with payment of benefits by exceeding actuarial goals(discount rate plus benefit adjustment index, established in the plan regulations).</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="6" STYLE="text-align: justify">Below is a table with the allocation of assets by category, segmented into Quoted in an active market and Not quoted in an active market:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Types</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">% Allocation</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 43%">Fixed income securities</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 14%">21,150</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 14%">20,684</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 14%">94.1%</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 14%">94.4%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Quoted in an active market</TD>
    <TD STYLE="text-align: right">20,513</TD>
    <TD STYLE="text-align: right">20,102</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">91.3%</TD>
    <TD STYLE="text-align: right">91.7%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Non quoted in an active market</TD>
    <TD STYLE="text-align: right">637</TD>
    <TD STYLE="text-align: right">582</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2.8%</TD>
    <TD STYLE="text-align: right">2.7%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Variable income securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">564</TD>
    <TD STYLE="font-weight: bold; text-align: right">515</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">2.6%</TD>
    <TD STYLE="font-weight: bold; text-align: right">2.3%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Quoted in an active market</TD>
    <TD STYLE="text-align: right">552</TD>
    <TD STYLE="text-align: right">508</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2.5%</TD>
    <TD STYLE="text-align: right">2.3%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Non quoted in an active market</TD>
    <TD STYLE="text-align: right">12</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0.1%</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Structured investments</TD>
    <TD STYLE="font-weight: bold; text-align: right">137</TD>
    <TD STYLE="font-weight: bold; text-align: right">138</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">0.6%</TD>
    <TD STYLE="font-weight: bold; text-align: right">0.6%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Non quoted in an active market</TD>
    <TD STYLE="text-align: right">137</TD>
    <TD STYLE="text-align: right">138</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">0.6%</TD>
    <TD STYLE="text-align: right">0.6%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Real estate</TD>
    <TD STYLE="font-weight: bold; text-align: right">542</TD>
    <TD STYLE="font-weight: bold; text-align: right">527</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2.4%</TD>
    <TD STYLE="font-weight: bold; text-align: right">2.4%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">Loans to participants</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">77</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">69</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">0.3%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">0.3%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">22,470</TD>
    <TD STYLE="font-weight: bold; text-align: right">21,933</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; text-align: right">100.0%</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 20pt; text-align: justify">The defined benefit plan assets include
shares of ITA&Uacute; UNIBANCO HOLDING, its main parent company (ITA&Uacute;SA) and of subsidiaries of the latter, with a fair value of&nbsp;R$
1&nbsp;&nbsp;(R$ 1&nbsp;at 12/31/2022), and real estate rented to group companies, with a fair value of R$ 438 (R$ 420&nbsp;at 12/31/2022).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>d) Other post-employment
benefits</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING and its subsidiaries
do not have additional liabilities related to post-employment benefits, except in cases arising from maintenance commitments assumed in
acquisition agreements which occurred over the years, as well as those benefits originated from court decision in the terms and conditions
established, in which there is total or partial sponsorship of health care plans for a specific group of former employees and their beneficiaries.
Its costing is actuarially determined so as to ensure coverage maintenance. These plans are closed to new applicants.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Assumptions for discount rate, inflation,
mortality table and actuarial method are the same as those used for retirement plans. ITA&Uacute; UNIBANCO HOLDING used the percentage
of&nbsp;4%&nbsp;p.a. for medical inflation, additionally considering, inflation rate of&nbsp;4%&nbsp;p.a.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 10pt; text-align: justify">Particularly in other post-employment benefits,
there is medical inflation risk associated with above expectation&nbsp;increases in medical costs. To mitigate this risk, the same financial
risks mitigation strategies are used.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>e) Change in the net
amount recognized in the balance sheet</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="14" STYLE="text-align: justify">The net amount recognized in the Balance Sheet is limited by the asset ceiling and it is computed based on estimated future contributions to be realized by the sponsor, so that it represents the maximum reduction amount in the contributions to be made.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="12" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center">Note</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">BD and CV plans</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">CD plans</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Other post-employment benefits</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; width: 38%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 6%">Net asset</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 6%">Actuarial liabilities</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 6%">Asset ceiling</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 6%">Recognized amount</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 6%">Pension plan fund</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 6%">Asset ceiling</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 6%">Recognized amount</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 8%">Liabilities</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 6%">Recognized amount</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Amounts at the beginning of the period</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">21,933</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(19,637)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(3,734)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(1,438)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">420</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(42)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">378</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(849)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(1,909)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Amounts recognized in income (1+2+3+4)</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,641</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(1,474)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(287)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(120)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(32)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(3)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(35)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(61)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(216)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>1 - Cost of current service</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(20)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(20)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(20)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>2 - Cost of past service</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>3 - Net interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,641</TD>
    <TD STYLE="text-align: right">(1,454)</TD>
    <TD STYLE="text-align: right">(287)</TD>
    <TD STYLE="text-align: right">(100)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">30</TD>
    <TD STYLE="text-align: right">(3)</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(61)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(134)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 11pt; font-style: normal; font-weight: 400">4 - Other expenses <SUP>(1)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(62)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(62)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(62)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Amount recognized in stockholders' equity - other comprehensive income (5+6+7)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(22)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(29)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(55)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">2</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">2</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(53)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>5 - Effects on asset ceiling</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(29)</TD>
    <TD STYLE="text-align: right">(29)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(29)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>6 - Remeasurements</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(8)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(8)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(6)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Changes in demographic assumptions</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Changes in financial assumptions</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Experience of the plan <SUP>(2)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(8)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(8)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(6)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>7 - Exchange variation</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(4)</TD>
    <TD STYLE="text-align: right">(14)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(18)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(18)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Other (8+9+10)</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,100)</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,262</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">162</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">141</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">303</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>8 - Receipt by Destination of Resources</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>9 - Benefits paid</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(1,262)</TD>
    <TD STYLE="text-align: right">1,262</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">141</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">141</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>10 - Contributions and investments from sponsor</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">162</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">162</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">162</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Amounts at the end of period</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">22,470</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(19,871)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(4,050)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(1,451)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">390</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(45)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">345</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(769)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(1,875)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">Amount recognized in Assets</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: center">18a</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">35</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">345</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">380</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Amount recognized in Liabilities</TD>
    <TD STYLE="text-align: center">18b</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(1,486)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(769)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(2,255)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="12" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">BD and CV plans</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">CD plans</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Other post-employment benefits</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Net assets</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Actuarial liabilities</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Asset ceiling</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Recognized amount</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Pension plan fund</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Asset ceiling</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Recognized amount</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Liabilities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Recognized amount</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Amounts at the beginning of the period</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">21,912</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(20,039)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(3,255)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(1,382)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">447</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(2)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">445</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(779)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(1,716)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Amounts recognized in income (1+2+3+4)</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,995</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(1,845)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(308)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(158)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(36)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(36)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(246)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(440)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>1 - Cost of current service</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(33)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(33)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(33)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>2 - Cost of past service</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(155)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(155)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>3 - Net interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,995</TD>
    <TD STYLE="text-align: right">(1,812)</TD>
    <TD STYLE="text-align: right">(308)</TD>
    <TD STYLE="text-align: right">(125)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">39</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">39</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(91)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(177)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Calibri, Helvetica, Sans-Serif; font-size: 11pt; font-style: normal; font-weight: 400">4 - Other expenses <SUP>(1)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(75)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(75)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(75)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Amount recognized in stockholders' equity - other comprehensive income (5+6+7)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(447)</TD>
    <TD STYLE="font-weight: bold; text-align: right">596</TD>
    <TD STYLE="font-weight: bold; text-align: right">(171)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(22)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">9</TD>
    <TD STYLE="font-weight: bold; text-align: right">(40)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(31)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">25</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(28)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>5 - Effects on asset ceiling</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(171)</TD>
    <TD STYLE="text-align: right">(171)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(40)</TD>
    <TD STYLE="text-align: right">(40)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(211)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>6 - Remeasurements</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(441)</TD>
    <TD STYLE="text-align: right">557</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">116</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">25</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">150</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Changes in demographic assumptions</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">29</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">29</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">29</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Changes in financial assumptions</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,499</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,499</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">46</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,554</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Experience of the plan <SUP>(2)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(441)</TD>
    <TD STYLE="text-align: right">(971)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1,412)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(21)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(1,433)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>7 - Exchange variation</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(6)</TD>
    <TD STYLE="text-align: right">39</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">33</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">33</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Other (8+9+10)</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,527)</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,651</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">124</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">151</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">275</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>8 - Receipt by Destination of Resources</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>9 - Benefits paid</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(1,651)</TD>
    <TD STYLE="text-align: right">1,651</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">151</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">151</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>10 - Contributions and investments from sponsor</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">124</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">124</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">124</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Amounts at the end of period</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">21,933</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(19,637)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(3,734)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(1,438)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">420</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(42)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">378</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(849)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">(1,909)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">Amount recognized in Assets</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: center">18a</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">33</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">378</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">411</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Amount recognized in Liabilities</TD>
    <TD STYLE="text-align: center">18b</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(1,471)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(849)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(2,320)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="14" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">1) Corresponds to the use of asset amounts allocated in pension funds of the defined contribution plans.<BR>
2) Correspond to the income obtained above / below the expected return and comprise the contributions made by participants.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


<!-- Field: Page; Sequence: 110 -->
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    <!-- Field: /Page -->

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Net interest correspond to the amount calculated
on 01/01/2023&nbsp;based on the initial amount (Net assets, Actuarial liabilities and Restriction of assets), taking into account the
estimated amount of payments/receipts of benefits/contributions, multiplied by the discount rate of&nbsp;10.34%&nbsp;p.a. (On 01/01/2022&nbsp;the
rate used was&nbsp;9.46%&nbsp;p.a.).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">As of 2023, ITA&Uacute; UNIBANCO HOLDING started sponsoring the
Plano de Benef&iacute;cios II. The amount recognized in Liabilities is&nbsp;R$ 65, in Other Comprehensive Income is&nbsp;R$ 7&nbsp;and
in income/(expense) is R$ (5).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>f) Defined benefit contributions</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">Estimated contributions</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">Contributions made</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 59%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 15%">2023</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 12%">01/01 to 09/30/2023</TD>
    <TD STYLE="border-top: black 0.5pt solid; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 12%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">Retirement plan - FIU</TD>
    <TD STYLE="text-align: right">39</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">48</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">33</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Retirement plan - FUNBEP</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">85</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">90</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">8</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Total <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">124</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">138</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">41</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="font-size: 9pt; border-top: black 1pt solid">1) Include extraordinary contributions agreed upon in deficit equation plans.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B>&nbsp;</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>g) Maturity profile of
defined benefit liabilities</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; width: 34%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Duration <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">2024</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">2025</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">2026</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 9%">2027</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 5%">2028</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 2%">to</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 5%">2032</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">Pension plan - FIU</TD>
    <TD STYLE="text-align: right">9.12</TD>
    <TD STYLE="text-align: right">1,136</TD>
    <TD STYLE="text-align: right">1,072</TD>
    <TD STYLE="text-align: right">1,110</TD>
    <TD STYLE="text-align: right">1,151</TD>
    <TD STYLE="text-align: right">1,186</TD>
    <TD COLSPAN="3" STYLE="text-align: right">6,388</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Pension plan - FUNBEP</TD>
    <TD STYLE="text-align: right">8.51</TD>
    <TD STYLE="text-align: right">656</TD>
    <TD STYLE="text-align: right">676</TD>
    <TD STYLE="text-align: right">694</TD>
    <TD STYLE="text-align: right">711</TD>
    <TD STYLE="text-align: right">728</TD>
    <TD COLSPAN="3" STYLE="text-align: right">3,846</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Other post-employment benefits</TD>
    <TD STYLE="text-align: right">6.13</TD>
    <TD STYLE="text-align: right">196</TD>
    <TD STYLE="text-align: right">189</TD>
    <TD STYLE="text-align: right">80</TD>
    <TD STYLE="text-align: right">85</TD>
    <TD STYLE="text-align: right">68</TD>
    <TD COLSPAN="3" STYLE="text-align: right">235</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Total</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,988</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,937</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,884</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,947</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,982</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">10,469</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="10" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">1) Average duration of plan&acute;s actuarial liabilities.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>h) Sensitivity analysis</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="8" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">To measure the effects of changes in the key assumptions, sensitivity tests are conducted in actuarial liabilities annually. The sensitivity analysis considers a vision of the impacts caused by changes in assumptions, which could affect the income for the period and stockholders&rsquo; equity at the balance sheet date. This type of analysis is usually carried out under the </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-weight: 400"><I>ceteris paribus</I> <FONT STYLE="font-style: normal">condition, in which the sensitivity of a system is measured when only one variable of interest is changed and all the others remain unchanged. The results obtained are shown in the table below:</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">Main assumptions</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">BD and CV plans</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">Other post-employment benefits</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Present value of liability</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Income</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Stockholders&acute; equity (Other comprehensive income) <SUP>(1)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Present value of liability</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Income</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Stockholders&acute; equity (Other comprehensive income) <SUP>(1)</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; width: 24%">Discount rate</TD>
    <TD STYLE="border-top: black 0.5pt solid; width: 11%">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; width: 11%">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; width: 16%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; width: 11%">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; width: 11%">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; width: 15%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Increase by 0.5%</TD>
    <TD STYLE="text-align: right">(763)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">284</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(23)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">23</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Decrease by 0.5%</TD>
    <TD STYLE="text-align: right">824</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(311)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">25</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(25)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Mortality table</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Increase by 5%</TD>
    <TD STYLE="text-align: right">(218)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">82</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(10)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">10</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Decrease by 5%</TD>
    <TD STYLE="text-align: right">228</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(87)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(11)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Medical inflation</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Increase by 1%</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">56</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(56)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 1pt solid">Decrease by 1%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(48)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">48</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="8" STYLE="font-size: 9pt">1) Net of effects of asset ceiling</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 27 - Insurance contracts
and private pension</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Insurance products sold by&nbsp;ITA&Uacute;
UNIBANCO HOLDING&nbsp;are divided into (i) non-life insurance, which guarantees loss, damage or liability for objects or people; and (ii)
life insurance, which includes coverage against the risk of death and personal accidents. Insurance products are substantially offered
through the electronic channels and branches of&nbsp;ITA&Uacute; UNIBANCO HOLDING.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;reinsures
the portion of the underwritten risks that exceed the maximum liability limits it deems to be appropriate for each segment and product.
These reinsurance contracts allow the recovery of a portion of the losses with the reinsurer, although they do not release&nbsp;ITA&Uacute;
UNIBANCO HOLDING from the main obligation.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Private pension products are essentially
divided into: (i) Free Benefit Generating Plan (PGBL) and Free Benefit Generating Life Plan (VGBL): whose main objective is to accumulate
financial resources, the payment of which is made by means of income; and (ii) traditional: pension plan with a minimum guarantee of profitability,
which is no longer sold.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Insurance contracts&nbsp;and private pension
portfolios and measurement approach are presented below:</P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Note</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">09/30/2023</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">(Assets) / Liabilities</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Income</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">(Assets) / Liabilities</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Income</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Operating</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Financial</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Operating</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Financial</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 36%">General Model (BBA)</TD>
    <TD STYLE="font-weight: bold; width: 9%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">15,001</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">1,961</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">(227)</TD>
    <TD STYLE="font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">14,320</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">1,691</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">(1,251)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">lnsurance</TD>
    <TD STYLE="text-align: center">27a I</TD>
    <TD STYLE="text-align: right">4,884</TD>
    <TD STYLE="text-align: right">1,878</TD>
    <TD STYLE="text-align: right">(173)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4,496</TD>
    <TD STYLE="text-align: right">1,776</TD>
    <TD STYLE="text-align: right">(196)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Private pension</TD>
    <TD STYLE="text-align: center">27a II</TD>
    <TD STYLE="text-align: right">10,117</TD>
    <TD STYLE="text-align: right">83</TD>
    <TD STYLE="text-align: right">(54)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">9,824</TD>
    <TD STYLE="text-align: right">(85)</TD>
    <TD STYLE="text-align: right">(1,055)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Variable Fee Approach (VFA)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">27a II</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">243,098</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,283</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(19,644)</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">218,398</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,745</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(20,605)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Private pension</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">243,098</TD>
    <TD STYLE="text-align: right">1,283</TD>
    <TD STYLE="text-align: right">(19,644)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">218,398</TD>
    <TD STYLE="text-align: right">1,745</TD>
    <TD STYLE="text-align: right">(20,605)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Simplified Model (PAA)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">27a I</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">456</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,512</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(11)</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">385</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,892</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(17)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">lnsurance</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">487</TD>
    <TD STYLE="text-align: right">1,511</TD>
    <TD STYLE="text-align: right">(12)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">408</TD>
    <TD STYLE="text-align: right">1,898</TD>
    <TD STYLE="text-align: right">(14)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Reinsurance</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(31)</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(23)</TD>
    <TD STYLE="text-align: right">(6)</TD>
    <TD STYLE="text-align: right">(3)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total Insurance contracts and private pension</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">258,555</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">4,756</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">(19,882)</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">233,103</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">5,328</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">(21,873)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">lnsurance</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,371</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,389</TD>
    <TD STYLE="font-weight: bold; text-align: right">(185)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,904</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,674</TD>
    <TD STYLE="font-weight: bold; text-align: right">(210)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Reinsurance</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(31)</TD>
    <TD STYLE="font-weight: bold; text-align: right">1</TD>
    <TD STYLE="font-weight: bold; text-align: right">1</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(23)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(6)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Private pension</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">253,215</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,366</TD>
    <TD STYLE="font-weight: bold; text-align: right">(19,698)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">228,222</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,660</TD>
    <TD STYLE="font-weight: bold; text-align: right">(21,660)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">Current</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: right">456</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: right">385</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Non-current</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">258,099</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">232,718</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Insurance of General Model (BBA) are composed
of assets of R$ (64)&nbsp;(R$ 0&nbsp;at&nbsp;12/31/2022)&nbsp;and liabilities of R$ 4,948 (R$ 4,496 at 12/31/2022).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Reconciliation of
insurance and private pension portfolios</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>I - Insurance</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 31%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 9%">Liability for Remaining Coverage</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 9%">Loss Component of the Liability for Remaining Coverage</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 8%">Liability for Incurred Claims</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 8%">Total</TD>
    <TD STYLE="font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 9%">Liability for Remaining Coverage</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 9%">Loss Component of the Liability for Remaining Coverage</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 8%">Liability for Incurred Claims</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 8%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Opening Balance - 01/01</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,248</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,936</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">697</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">4,881</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,384</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,065</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">679</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">4,128</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: justify">Operating Income from Insurance Contracts and Private Pension</TD>
    <TD STYLE="text-align: right">(4,355)</TD>
    <TD STYLE="text-align: right">(98)</TD>
    <TD STYLE="text-align: right">1,063</TD>
    <TD STYLE="text-align: right">(3,390)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(5,124)</TD>
    <TD STYLE="text-align: right">(104)</TD>
    <TD STYLE="text-align: right">1,560</TD>
    <TD STYLE="text-align: right">(3,668)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: justify">Financial Income from Insurance Contracts and Private Pension</TD>
    <TD STYLE="text-align: right">98</TD>
    <TD STYLE="text-align: right">128</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">253</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">123</TD>
    <TD STYLE="text-align: right">(25)</TD>
    <TD STYLE="text-align: right">32</TD>
    <TD STYLE="text-align: right">130</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Premiums Received, Claims and Other Expenses Paid</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">4,765</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(1,169)</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">3,596</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">5,865</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(1,574)</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">4,291</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Closing Balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">2,756</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1,966</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">618</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">5,340</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">2,248</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1,936</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">697</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">4,881</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Estimate of Present Value of Future Cash Flows</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Contractual Service Margin</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Risk Adjustment for Non-financial Risk</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Estimate of Present Value of Future Cash Flows</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Contractual Service Margin</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Risk Adjustment for Non-financial Risk</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Opening Balance - 01/01</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(145)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">4,756</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">270</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">4,881</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">866</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,964</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">298</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">4,128</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Realization of Insurance Contractual Margin</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(3,380)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(3,380)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(3,766)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(3,766)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Actuarial Remeasurements</TD>
    <TD STYLE="text-align: right">650</TD>
    <TD STYLE="text-align: right">(629)</TD>
    <TD STYLE="text-align: right">(31)</TD>
    <TD STYLE="text-align: right">(10)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(676)</TD>
    <TD STYLE="text-align: right">804</TD>
    <TD STYLE="text-align: right">(30)</TD>
    <TD STYLE="text-align: right">98</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Operating Income from Insurance Contracts and Private Pension</TD>
    <TD STYLE="font-weight: bold; text-align: right">650</TD>
    <TD STYLE="font-weight: bold; text-align: right">(4,009)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(31)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3,390)</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(676)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(2,962)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(30)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3,668)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>New Recognized Insurance Contracts</TD>
    <TD STYLE="text-align: right">(4,283)</TD>
    <TD STYLE="text-align: right">4,266</TD>
    <TD STYLE="text-align: right">17</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(4,569)</TD>
    <TD STYLE="text-align: right">4,565</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Financial Income from Insurance Contracts and Private Pension</TD>
    <TD STYLE="font-weight: bold; text-align: right">28</TD>
    <TD STYLE="font-weight: bold; text-align: right">204</TD>
    <TD STYLE="font-weight: bold; text-align: right">21</TD>
    <TD STYLE="font-weight: bold; text-align: right">253</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(57)</TD>
    <TD STYLE="font-weight: bold; text-align: right">189</TD>
    <TD STYLE="font-weight: bold; text-align: right">(2)</TD>
    <TD STYLE="font-weight: bold; text-align: right">130</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Recognized in Income for the period</TD>
    <TD STYLE="text-align: right">(30)</TD>
    <TD STYLE="text-align: right">204</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: right">184</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">189</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">213</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Recognized in Other Comprehensive Income</TD>
    <TD STYLE="text-align: right">58</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">69</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(68)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(15)</TD>
    <TD STYLE="text-align: right">(83)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Premiums Received, Claims and Other Expenses Paid</TD>
    <TD STYLE="text-align: right">3,596</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">3,596</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4,291</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">4,291</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Closing Balance</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">(154)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">5,217</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">277</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">5,340</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">(145)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">4,756</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">270</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">4,881</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>II - Private pension</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 39%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 10%">Liability for Remaining Coverage</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 8%">Loss Component of the Liability for Remaining Coverage</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 6%">Liability for Incurred Claims</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 6%">Total</TD>
    <TD STYLE="font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 10%">Liability for Remaining Coverage</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 8%">Loss Component of the Liability for Remaining Coverage</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 6%">Liability for Incurred Claims</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 6%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Opening Balance - 01/01</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">227,952</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">184</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">86</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">228,222</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">209,463</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">110</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">87</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">209,660</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Operating Income from Insurance Contracts and Private Pension</TD>
    <TD STYLE="text-align: right">(59,748)</TD>
    <TD STYLE="text-align: right">(41)</TD>
    <TD STYLE="text-align: right">58,423</TD>
    <TD STYLE="text-align: right">(1,366)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(83,040)</TD>
    <TD STYLE="text-align: right">164</TD>
    <TD STYLE="text-align: right">81,216</TD>
    <TD STYLE="text-align: right">(1,660)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Financial Income from Insurance Contracts and Private Pension</TD>
    <TD STYLE="text-align: right">20,386</TD>
    <TD STYLE="text-align: right">209</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">20,599</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">20,483</TD>
    <TD STYLE="text-align: right">(90)</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">20,395</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Premiums Received, Claims and Other Expenses Paid</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">64,179</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(58,419)</TD>
    <TD STYLE="text-align: right">5,760</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">81,046</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(81,219)</TD>
    <TD STYLE="text-align: right">(173)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Closing Balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">252,769</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">352</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">94</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">253,215</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">227,952</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">184</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">86</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">228,222</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Estimate of Present Value of Future Cash Flows</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Contractual Service Margin</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Risk Adjustment for Non-financial Risk</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Estimate of Present Value of Future Cash Flows</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Contractual Service Margin</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Risk Adjustment for Non-financial Risk</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Opening balance - 01/01</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">210,255</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">17,696</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">271</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">228,222</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">188,469</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">20,891</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">300</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">209,660</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Realization of Insurance Contractual Margin</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1,383)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1,383)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1,870)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1,870)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Actuarial Remeasurements</TD>
    <TD STYLE="text-align: right">(1,230)</TD>
    <TD STYLE="text-align: right">1,257</TD>
    <TD STYLE="text-align: right">(10)</TD>
    <TD STYLE="text-align: right">17</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3,701</TD>
    <TD STYLE="text-align: right">(3,466)</TD>
    <TD STYLE="text-align: right">(25)</TD>
    <TD STYLE="text-align: right">210</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Operating Income from Insurance Contracts and Private Pension</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,230)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(126)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(10)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,366)</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,701</TD>
    <TD STYLE="font-weight: bold; text-align: right">(5,336)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(25)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,660)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>New Recognized Insurance Contracts</TD>
    <TD STYLE="text-align: right">(1,901)</TD>
    <TD STYLE="text-align: right">1,897</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(2,127)</TD>
    <TD STYLE="text-align: right">2,120</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial Income from Insurance Contracts and Private Pension</TD>
    <TD STYLE="font-weight: bold; text-align: right">20,560</TD>
    <TD STYLE="font-weight: bold; text-align: right">16</TD>
    <TD STYLE="font-weight: bold; text-align: right">23</TD>
    <TD STYLE="font-weight: bold; text-align: right">20,599</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">20,385</TD>
    <TD STYLE="font-weight: bold; text-align: right">21</TD>
    <TD STYLE="font-weight: bold; text-align: right">(11)</TD>
    <TD STYLE="font-weight: bold; text-align: right">20,395</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Recognized in Income for the period</TD>
    <TD STYLE="text-align: right">19,674</TD>
    <TD STYLE="text-align: right">16</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">19,698</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">21,630</TD>
    <TD STYLE="text-align: right">21</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">21,660</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Recognized in Other Comprehensive Income</TD>
    <TD STYLE="text-align: right">886</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">15</TD>
    <TD STYLE="text-align: right">901</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(1,245)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(20)</TD>
    <TD STYLE="text-align: right">(1,265)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Premiums Received, Claims and Other Expenses Paid</TD>
    <TD STYLE="text-align: right">5,760</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">5,760</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(173)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(173)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Closing Balance</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">233,444</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">19,483</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">288</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">253,215</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">210,255</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">17,696</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">271</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">228,222</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The underlying assets of the portfolio of
private pension contracts with direct participation features (PGBL and VGBL) are composed of specially organized investment funds, which
are mostly consolidated in ITA&Uacute; UNIBANCO HOLDING, whose fair value of the quotas is&nbsp;R$ 241,027&nbsp;(R$ 216,467&nbsp;at 12/31/2022).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Contractual service
margin</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="8" STYLE="font-size: 11pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING expects to recognize the Contractual Service Margin in income according to the terms and amounts shown below:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 19%">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD>
    <TD STYLE="width: 16%">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD>
    <TD STYLE="width: 16%">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">Period</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">lnsurance</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Private Pension</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">lnsurance</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Private Pension</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">1 year</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">1,830</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">1,764</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">3,594</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">1,767</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">1,756</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">3,523</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>2 years</TD>
    <TD STYLE="text-align: right">1,170</TD>
    <TD STYLE="text-align: right">1,855</TD>
    <TD STYLE="text-align: right">3,025</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,067</TD>
    <TD STYLE="text-align: right">1,854</TD>
    <TD STYLE="text-align: right">2,921</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>3 years</TD>
    <TD STYLE="text-align: right">992</TD>
    <TD STYLE="text-align: right">1,889</TD>
    <TD STYLE="text-align: right">2,881</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">830</TD>
    <TD STYLE="text-align: right">1,868</TD>
    <TD STYLE="text-align: right">2,698</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>4 years</TD>
    <TD STYLE="text-align: right">779</TD>
    <TD STYLE="text-align: right">1,885</TD>
    <TD STYLE="text-align: right">2,664</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">631</TD>
    <TD STYLE="text-align: right">1,856</TD>
    <TD STYLE="text-align: right">2,487</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>5 years</TD>
    <TD STYLE="text-align: right">384</TD>
    <TD STYLE="text-align: right">1,776</TD>
    <TD STYLE="text-align: right">2,160</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">361</TD>
    <TD STYLE="text-align: right">1,745</TD>
    <TD STYLE="text-align: right">2,106</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Over 5 years</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">62</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">10,314</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">10,376</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">100</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">8,617</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">8,717</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">5,217</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">19,483</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">24,700</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">4,756</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">17,696</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">22,452</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">During the period, the recognized amount
of revenue from insurance contracts and private pension referring to groups of contracts measured by the modified retrospective approach
(contracts in force on the transition date) is&nbsp;R$ 1,960 (R$ 3,128&nbsp;from 01/01 to 12/31/2022), with the balance of margin of these
contracts corresponding to&nbsp;R$ 19,876 (R$ 19,042 at 12/31/2022).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Discount rates</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The rates used by indexing unit to discount
cash flows from insurance contracts and private pension are as follows:</P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">12/31/2022</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: bottom; border-bottom: black 0.5pt solid; text-align: center; width: 19%">Indexes</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">1 year</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">3 years</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">5 years</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">10 years</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">20 years</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">1 year</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">3 years</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">5 years</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">10 years</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 8%">20 years</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: center">IGPM</TD>
    <TD STYLE="text-align: right">7.15%</TD>
    <TD STYLE="text-align: right">4.55%</TD>
    <TD STYLE="text-align: right">5.29%</TD>
    <TD STYLE="text-align: right">5.73%</TD>
    <TD STYLE="text-align: right">5.77%</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">6.72%</TD>
    <TD STYLE="text-align: right">6.24%</TD>
    <TD STYLE="text-align: right">6.20%</TD>
    <TD STYLE="text-align: right">6.33%</TD>
    <TD STYLE="text-align: right">6.44%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: center">IPCA</TD>
    <TD STYLE="text-align: right">6.42%</TD>
    <TD STYLE="text-align: right">5.45%</TD>
    <TD STYLE="text-align: right">5.49%</TD>
    <TD STYLE="text-align: right">5.58%</TD>
    <TD STYLE="text-align: right">5.67%</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">6.86%</TD>
    <TD STYLE="text-align: right">6.06%</TD>
    <TD STYLE="text-align: right">5.98%</TD>
    <TD STYLE="text-align: right">5.92%</TD>
    <TD STYLE="text-align: right">5.90%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid; text-align: center">TR</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">10.21%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">9.75%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">10.10%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">10.44%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">10.49%</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">11.34%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">10.91%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">10.97%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">11.02%</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">11.06%</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>d) Claims development</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 30%">Occurrence date</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid; width: 10%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; font-family: Arial\; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">12/31/2019</TD>
    <TD STYLE="font-weight: bold; font-family: Arial\; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">12/31/2020</TD>
    <TD STYLE="font-weight: bold; font-family: Arial\; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">12/31/2021</TD>
    <TD STYLE="font-weight: bold; font-family: Arial\; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">12/31/2022</TD>
    <TD STYLE="font-weight: bold; font-family: Arial\; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>At the end of event period</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">929</TD>
    <TD STYLE="text-align: right">1,024</TD>
    <TD STYLE="text-align: right">1,265</TD>
    <TD STYLE="text-align: right">1,167</TD>
    <TD STYLE="text-align: right">798</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>After 1 year</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,155</TD>
    <TD STYLE="text-align: right">1,249</TD>
    <TD STYLE="text-align: right">1,530</TD>
    <TD STYLE="text-align: right">1,398</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>After 2 years</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,185</TD>
    <TD STYLE="text-align: right">1,283</TD>
    <TD STYLE="text-align: right">1,563</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>After 3 years</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,203</TD>
    <TD STYLE="text-align: right">1,295</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>After 4 years</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,210</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="border-bottom: black 0.5pt solid">Accumulated payments through base date</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">1,191</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">1,276</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">1,532</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">1,382</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">726</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">6,107</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Liabilities recognized in the balance sheet</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">672</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Liabilities in relation to prior periods</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">22</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Other estimates</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">20</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Adjustment to present value</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(48)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Risk adjustment to non-financial risk</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">46</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Liability for Claims incurred at</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: left">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">712</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 28 - Fair value
of financial instruments</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The fair value is a measurement based on
market. In cases where market prices are not available, fair values are based on estimates using discounted cash flows or other valuation
techniques. These techniques are significantly affected by the assumptions adopted, including the discount rate and estimate of future
cash flows. The estimated fair value obtained through these techniques cannot be substantiated by comparison with independent markets
and, in many cases, cannot be realized on immediate settlement of the instrument.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">To increase consistency and comparability
in fair value measurements and the corresponding disclosures, a fair value hierarchy is established that classifies into three levels
the information for the valuation techniques used in the fair value measurement.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Level 1:</B> Observable inputs that reflect
quoted prices (unadjusted) for identical assets or liabilities in active markets. An active market is a market in which transactions for
the asset or liability being measured occur often enough and with sufficient volume to provide pricing information on an ongoing basis.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Level 2:</B> Input that is not observable
for the asset or liability either directly or indirectly. Level 2 generally includes: (i) quoted prices for similar assets or liabilities
in active markets; (ii) quoted prices for identical or similar assets or liabilities in markets that are not active, that is, markets
in which there are few transactions for the asset or liability, the prices are not current, or quoted prices vary substantially either
over time or among market makers, or in which little information is released publicly; (iii) inputs other than quoted prices that are
observable for the asset or liability (for example, interest rates and yield curves observable at commonly quoted intervals, volatilities,
etc.); (iv) inputs that are mainly derived from or corroborated by observable market data through correlation or by other means.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Level 3:</B> Inputs are not observable
for the asset or liability. Unobservable information is used to measure fair value to the extent that observable information is not available,
thus allowing for situations in which there is little, or no market activity for the asset or liability at the measurement date.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The methods and assumptions used to estimate
the fair value are defined below:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; color: #EC7000; line-height: 107%"><B>&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</B></FONT><B><FONT STYLE="color: #EC7000">&nbsp;Central
Bank deposits, Securities purchased under agreements to resell and Securities sold under repurchase agreements - </FONT></B>The carrying
amounts for these instruments are close to their fair values.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; color: #EC7000; line-height: 107%"><B>&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</B></FONT><B><FONT STYLE="color: #EC7000">&nbsp;Interbank
deposits, Deposits, Interbank and Institutional Market Funds -</FONT></B><FONT STYLE="color: #EC7000">&nbsp;</FONT>They are calculated
by discounting estimated cash flows at market interest rates.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; color: #EC7000; line-height: 107%"><B>&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</B></FONT><B><FONT STYLE="color: #EC7000">&nbsp;Securities
and Derivatives -</FONT></B>&nbsp;Under normal conditions, the prices quoted in the market are the best indicators of the fair values
of these financial instruments. However, not all instruments have liquidity or quoted market prices and, in such cases, it is necessary
to adopt present value estimates and other techniques to establish their fair value. In the absence of prices quoted by the Brazilian
Association of Financial and Capital Markets Entities (ANBIMA),&nbsp;the fair values of government securities are calculated by discounting
estimated cash flows at market interest rates, as well as corporate securities.</P>


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<P STYLE="font: 15pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; color: #EC7000; line-height: 107%"><B>&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</B></FONT><B><FONT STYLE="color: #EC7000">&nbsp;Loans
and financial leases -</FONT></B>&nbsp;Fair value is estimated for groups of loans with similar financial and risk characteristics, using
valuation models. The fair value of fixed-rate loans was determined by discounting estimated cash flows, at interest rates applicable
to similar loans. For the majority of loans at floating rates, the carrying amount was considered to be close to their market value. The
fair value of loan and lease operations not overdue was calculated by discounting the expected payments of principal and interest to maturity.
The fair value of overdue loan and lease transactions was based on the discount of estimated cash flows, using a rate proportional to
the risk associated with the estimated cash flows, or on the underlying collateral. The assumptions for cash flows and discount rates
rely on information available in the market and knowledge of the individual debtor.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; color: #EC7000; line-height: 107%"><B>&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</B></FONT><B><FONT STYLE="color: #EC7000">&nbsp;Other
financial assets / liabilities -</FONT></B>&nbsp;Primarily composed of receivables from credit card issuers, deposits in guarantee for
contingent liabilities, provisions and legal obligations and trading and intermediation of securities. The carrying amounts for these
assets/liabilities substantially approximate to their fair values, since they principally represent amounts to be received in the short
term from credit card holders and to be paid to credit card issuers, deposits in guarantee (indexed to market rates) made by&nbsp;ITA&Uacute;
UNIBANCO HOLDING&nbsp;to secure lawsuits or very short-term receivables (generally with a maturity of approximately 5 business days).
All of these items represent assets / liabilities without significant associated market, credit or liquidity risks.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Financial instruments not included in the
Balance Sheet (Note 32) are represented by Standby letters of credit and financial guarantees provided, which amount to&nbsp;R$ 116,213&nbsp;(R$
139,133 at 12/31/2022) with an estimated fair value of&nbsp;R$ 135 (R$ 161 at 12/31/2022).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Financial assets and
liabilities measured at fair value</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="10" STYLE="text-align: justify">The following table presents the financial assets and liabilities measured at fair value on a recurring basis, segregated between levels of the fair value hierarchy.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 39%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Level 1</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Level 2</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Level 3</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Book Value / Fair Value</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Level 1</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Level 2</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Level 3</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Book Value / Fair Value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial Assets</TD>
    <TD STYLE="font-weight: bold; text-align: right">487,332</TD>
    <TD STYLE="font-weight: bold; text-align: right">107,394</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,949</TD>
    <TD STYLE="font-weight: bold; text-align: right">596,675</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">396,993</TD>
    <TD STYLE="font-weight: bold; text-align: right">115,792</TD>
    <TD STYLE="font-weight: bold; text-align: right">437</TD>
    <TD STYLE="font-weight: bold; text-align: right">513,222</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Financial assets at fair value through profit or loss</TD>
    <TD STYLE="font-weight: bold; text-align: right">349,153</TD>
    <TD STYLE="font-weight: bold; text-align: right">105,246</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,854</TD>
    <TD STYLE="font-weight: bold; text-align: right">456,253</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">274,659</TD>
    <TD STYLE="font-weight: bold; text-align: right">111,436</TD>
    <TD STYLE="font-weight: bold; text-align: right">379</TD>
    <TD STYLE="font-weight: bold; text-align: right">386,474</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Investment funds</TD>
    <TD STYLE="text-align: right">229</TD>
    <TD STYLE="text-align: right">24,398</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">24,627</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">954</TD>
    <TD STYLE="text-align: right">31,537</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">32,491</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Brazilian government securities</TD>
    <TD STYLE="text-align: right">292,571</TD>
    <TD STYLE="text-align: right">7,151</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">299,722</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">226,056</TD>
    <TD STYLE="text-align: right">5,856</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">231,912</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Government securities &ndash; Latin America</TD>
    <TD STYLE="text-align: right">2,861</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2,861</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3,489</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">3,489</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Government securities &ndash; Abroad</TD>
    <TD STYLE="text-align: right">2,940</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2,940</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4,528</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">4,528</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">50,552</TD>
    <TD STYLE="font-weight: bold; text-align: right">72,187</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,749</TD>
    <TD STYLE="font-weight: bold; text-align: right">124,488</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">39,632</TD>
    <TD STYLE="font-weight: bold; text-align: right">72,708</TD>
    <TD STYLE="font-weight: bold; text-align: right">339</TD>
    <TD STYLE="font-weight: bold; text-align: right">112,679</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Shares</TD>
    <TD STYLE="text-align: right">8,620</TD>
    <TD STYLE="text-align: right">16,094</TD>
    <TD STYLE="text-align: right">79</TD>
    <TD STYLE="text-align: right">24,793</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">5,817</TD>
    <TD STYLE="text-align: right">9,634</TD>
    <TD STYLE="text-align: right">86</TD>
    <TD STYLE="text-align: right">15,537</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Rural product note</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,459</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,459</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2,510</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">2,517</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Bank deposit certificates</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">195</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">195</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">360</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">360</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Real estate receivables certificates</TD>
    <TD STYLE="text-align: right">92</TD>
    <TD STYLE="text-align: right">1,294</TD>
    <TD STYLE="text-align: right">142</TD>
    <TD STYLE="text-align: right">1,528</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,329</TD>
    <TD STYLE="text-align: right">151</TD>
    <TD STYLE="text-align: right">1,480</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Debentures</TD>
    <TD STYLE="text-align: right">38,562</TD>
    <TD STYLE="text-align: right">30,803</TD>
    <TD STYLE="text-align: right">1,467</TD>
    <TD STYLE="text-align: right">70,832</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">29,446</TD>
    <TD STYLE="text-align: right">33,412</TD>
    <TD STYLE="text-align: right">84</TD>
    <TD STYLE="text-align: right">62,942</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Eurobonds and other</TD>
    <TD STYLE="text-align: right">2,719</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">54</TD>
    <TD STYLE="text-align: right">2,773</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4,369</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">4,373</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Financial bills</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">18,671</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">18,678</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">19,371</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">19,378</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Promissory and commercial notes</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2,836</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2,836</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">3,900</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">3,900</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Other</TD>
    <TD STYLE="text-align: right">559</TD>
    <TD STYLE="text-align: right">835</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,394</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2,192</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2,192</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Other Financial Assets</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,510</TD>
    <TD STYLE="text-align: right">105</TD>
    <TD STYLE="text-align: right">1,615</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,335</TD>
    <TD STYLE="text-align: right">40</TD>
    <TD STYLE="text-align: right">1,375</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Financial assets at fair value through other comprehensive income</TD>
    <TD STYLE="font-weight: bold; text-align: right">138,179</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,148</TD>
    <TD STYLE="font-weight: bold; text-align: right">95</TD>
    <TD STYLE="font-weight: bold; text-align: right">140,422</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">122,334</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,356</TD>
    <TD STYLE="font-weight: bold; text-align: right">58</TD>
    <TD STYLE="font-weight: bold; text-align: right">126,748</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Brazilian government securities</TD>
    <TD STYLE="text-align: right">91,775</TD>
    <TD STYLE="text-align: right">248</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">92,023</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">75,647</TD>
    <TD STYLE="text-align: right">1,032</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">76,679</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Government securities &ndash; Latin America</TD>
    <TD STYLE="text-align: right">27,644</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">27,644</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">27,510</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">27,510</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Government securities &ndash; Abroad</TD>
    <TD STYLE="text-align: right">9,307</TD>
    <TD STYLE="text-align: right">32</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">9,339</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">10,400</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">10,400</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,453</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,868</TD>
    <TD STYLE="font-weight: bold; text-align: right">95</TD>
    <TD STYLE="font-weight: bold; text-align: right">11,416</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">8,777</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,324</TD>
    <TD STYLE="font-weight: bold; text-align: right">58</TD>
    <TD STYLE="font-weight: bold; text-align: right">12,159</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Shares</TD>
    <TD STYLE="text-align: right">5,423</TD>
    <TD STYLE="text-align: right">51</TD>
    <TD STYLE="text-align: right">43</TD>
    <TD STYLE="text-align: right">5,517</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4,770</TD>
    <TD STYLE="text-align: right">70</TD>
    <TD STYLE="text-align: right">45</TD>
    <TD STYLE="text-align: right">4,885</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Rural product note</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">390</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">390</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Bank deposit certificates</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">126</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">126</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">551</TD>
    <TD STYLE="text-align: right">150</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">714</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Real estate receivables certificates</TD>
    <TD STYLE="text-align: right">57</TD>
    <TD STYLE="text-align: right">138</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">195</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Debentures</TD>
    <TD STYLE="text-align: right">1,118</TD>
    <TD STYLE="text-align: right">584</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,702</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">538</TD>
    <TD STYLE="text-align: right">645</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,183</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Eurobonds and other</TD>
    <TD STYLE="text-align: right">2,590</TD>
    <TD STYLE="text-align: right">969</TD>
    <TD STYLE="text-align: right">52</TD>
    <TD STYLE="text-align: right">3,611</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,918</TD>
    <TD STYLE="text-align: right">1,361</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">4,279</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Financial credit bills</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">13</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 36px">Other</TD>
    <TD STYLE="text-align: right">265</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">265</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">695</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">695</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial liabilities at fair value through profit or loss</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">805</TD>
    <TD STYLE="font-weight: bold; text-align: right">12</TD>
    <TD STYLE="font-weight: bold; text-align: right">817</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">647</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">647</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Structured notes</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">98</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">98</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">64</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">64</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other financial liabilities</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">707</TD>
    <TD STYLE="text-align: right">12</TD>
    <TD STYLE="text-align: right">719</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">583</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">583</TD></TR>
  </TABLE>
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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="10">The following table presents the breakdown of fair value hierarchy levels for derivative assets and liabilities.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 31%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Level 1</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Level 2</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Level 3</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Total</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Level 1</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Level 2</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Level 3</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Assets</TD>
    <TD STYLE="font-weight: bold; text-align: right">2</TD>
    <TD STYLE="font-weight: bold; text-align: right">67,906</TD>
    <TD STYLE="font-weight: bold; text-align: right">573</TD>
    <TD STYLE="font-weight: bold; text-align: right">68,481</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">29</TD>
    <TD STYLE="font-weight: bold; text-align: right">77,508</TD>
    <TD STYLE="font-weight: bold; text-align: right">671</TD>
    <TD STYLE="font-weight: bold; text-align: right">78,208</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Swap Contracts &ndash; adjustment receivable</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">42,388</TD>
    <TD STYLE="text-align: right">550</TD>
    <TD STYLE="text-align: right">42,938</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">46,271</TD>
    <TD STYLE="text-align: right">631</TD>
    <TD STYLE="text-align: right">46,902</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Option Contracts</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">12,588</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">12,594</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">23,637</TD>
    <TD STYLE="text-align: right">34</TD>
    <TD STYLE="text-align: right">23,671</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Forward Contracts</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">4,037</TD>
    <TD STYLE="text-align: right">17</TD>
    <TD STYLE="text-align: right">4,054</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">595</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">601</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Credit derivatives</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">319</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">319</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">492</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">492</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">NDF - Non Deliverable Forward</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">8,078</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">8,078</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">6,140</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">6,140</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 0.5pt solid">Other derivative financial instruments</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">2</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">496</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">498</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">29</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">373</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">402</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Liabilities</TD>
    <TD STYLE="font-weight: bold; text-align: right">(138)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(61,401)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(621)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(62,160)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(186)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(76,106)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(569)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(76,861)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Swap Contracts &ndash; adjustment payable</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(39,056)</TD>
    <TD STYLE="text-align: right">(602)</TD>
    <TD STYLE="text-align: right">(39,658)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(38,507)</TD>
    <TD STYLE="text-align: right">(561)</TD>
    <TD STYLE="text-align: right">(39,068)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Option Contracts</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">(12,683)</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">(12,687)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(29,880)</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">(29,882)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Forward Contracts</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(3,298)</TD>
    <TD STYLE="text-align: right">(17)</TD>
    <TD STYLE="text-align: right">(3,315)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(65)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(65)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Credit derivatives</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(320)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(320)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(604)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(604)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">NDF - Non Deliverable Forward</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(5,956)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(5,956)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(6,626)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(6,626)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 1pt solid">Other derivative financial instruments</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(136)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(88)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(224)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(186)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(424)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(6)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(616)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="10" STYLE="text-align: justify">In all periods, there was no significant transfer between Level 1 and Level 2. Transfers to and from Level 3 are presented in movements of Level 3.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The methods and assumptions used to measurement
the fair value are defined below:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Level 1:</B>&nbsp;Securities with liquid
prices available in an active market and derivatives traded on stock exchanges. This classification level includes most of the Brazilian
government securities, <FONT STYLE="background-color: white">government securities from Latin America</FONT>, government securities from
other countries, shares, debentures with price published by ANBIMA and other securities traded in an active market.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Level 2</B>: Bonds, securities, derivatives
and others that do not have price information available and are priced based on conventional or internal models. The inputs used by these
models are captured directly or built from observations of active markets. Most&nbsp;derivatives traded over-the-counter, certain Brazilian
government bonds, debentures and other corporate securities whose credit component effect is not considered relevant, are at this level.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Level 3:&nbsp;</B>Bonds, securities and
derivatives for which pricing inputs are generated by statistical and mathematical models. Debentures and other corporate securities that
do not fit into level 2 rule and derivatives with maturities greater than the last observable vertices of the discount curves are at this
level.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">All the above methods may result in a fair
value that is not indicative of the net realizable value or future fair values. However, ITA&Uacute; UNIBANCO HOLDING&nbsp;believes that
all the methods used are appropriate and consistent with other market participants. Moreover, the adoption of different methods or assumptions
to estimate fair value may result in different fair value estimates at the balance sheet date.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>Governance of Level 3 recurring fair value
measurement</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The departments in charge of defining and
applying the pricing models are segregated from the business areas. The models are documented, submitted to validation by an independent
area and approved by a specific committee. The daily processes of price capture, calculation and disclosure are periodically checked according
to formally defined tests and criteria and the information is stored in a single corporate data base.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The most frequent cases of assets classified
as Level 3 are justified by the discount factors used and corporate bonds whose credit component is relevant. Factors such as the fixed
interest curve in Brazilian Reais and the TR coupon curve &#8211; and, as a result, their related factors &#8211; have inputs with terms
shorter than the maturities of fixed-income assets.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>Level 3 recurring fair value changes</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The tables below show balance sheet changes
for financial instruments classified by&nbsp;ITA&Uacute; UNIBANCO HOLDING in Level 3 of the fair value hierarchy. Derivative financial
instruments classified in Level 3 correspond to swap and option.</P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid">Fair value at</TD>
    <TD COLSPAN="2" ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Total gains or losses (realized / unrealized)</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Purchases</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Settlements</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfers in and / or out of Level</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid">Fair value at</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Total Gains or Losses (unrealized)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; text-align: center">01/01/2023</TD>
    <TD STYLE="font-weight: bold; text-align: center">12/31/2022</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Recognized in income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Recognized in other comprehensive income</TD>
    <TD STYLE="font-weight: bold; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 33%">Financial assets at fair value through profit or loss</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 7%">379</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 11%">104</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 13%">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 7%">220</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 7%">(51)</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 8%">1,202</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 7%">1,854</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 7%">(813)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">339</TD>
    <TD STYLE="font-weight: bold; text-align: right">53</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">218</TD>
    <TD STYLE="font-weight: bold; text-align: right">(49)</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,188</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,749</TD>
    <TD STYLE="font-weight: bold; text-align: right">(918)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD STYLE="text-align: right">86</TD>
    <TD STYLE="text-align: right">(6)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">(10)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">79</TD>
    <TD STYLE="text-align: right">(87)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Real estate receivables certificates</TD>
    <TD STYLE="text-align: right">151</TD>
    <TD STYLE="text-align: right">(34)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">23</TD>
    <TD STYLE="text-align: right">142</TD>
    <TD STYLE="text-align: right">(63)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Debentures</TD>
    <TD STYLE="text-align: right">84</TD>
    <TD STYLE="text-align: right">85</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">147</TD>
    <TD STYLE="text-align: right">(35)</TD>
    <TD STYLE="text-align: right">1,186</TD>
    <TD STYLE="text-align: right">1,467</TD>
    <TD STYLE="text-align: right">(768)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Rural Product Note</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">5</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(14)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Eurobonds and other</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">48</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">54</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Financial bills</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: right">(3)</TD>
    <TD STYLE="text-align: right">(7)</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Other financial assets</TD>
    <TD STYLE="font-weight: bold; text-align: right">40</TD>
    <TD STYLE="font-weight: bold; text-align: right">51</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">2</TD>
    <TD STYLE="font-weight: bold; text-align: right">(2)</TD>
    <TD STYLE="font-weight: bold; text-align: right">14</TD>
    <TD STYLE="font-weight: bold; text-align: right">105</TD>
    <TD STYLE="font-weight: bold; text-align: right">105</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial assets at fair value through other comprehensive income</TD>
    <TD STYLE="font-weight: bold; text-align: right">58</TD>
    <TD STYLE="font-weight: bold; text-align: right">(15)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">52</TD>
    <TD STYLE="font-weight: bold; text-align: right">95</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">58</TD>
    <TD STYLE="font-weight: bold; text-align: right">(15)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">52</TD>
    <TD STYLE="font-weight: bold; text-align: right">95</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD STYLE="text-align: right">45</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">43</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Bank deposit certificates</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">(13)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Eurobonds and other</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">52</TD>
    <TD STYLE="text-align: right">52</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial liabilities at fair value through profit or loss</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(2)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">14</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">12</TD>
    <TD STYLE="font-weight: bold; text-align: right">12</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other financial liabilities</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">14</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">12</TD>
    <TD STYLE="text-align: right">12</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid">Fair value at</TD>
    <TD COLSPAN="2" ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Total gains or losses (realized / unrealized)</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Purchases</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Settlements</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfers in and / or out of Level</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid">Fair value at</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Total Gains or Losses (unrealized)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center">12/31/2022</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Recognized in income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Recognized in other comprehensive income</TD>
    <TD STYLE="font-weight: bold; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Derivatives - assets</TD>
    <TD STYLE="font-weight: bold; text-align: right">671</TD>
    <TD STYLE="font-weight: bold; text-align: right">125</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">153</TD>
    <TD STYLE="font-weight: bold; text-align: right">(100)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(276)</TD>
    <TD STYLE="font-weight: bold; text-align: right">573</TD>
    <TD STYLE="font-weight: bold; text-align: right">531</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swap Contracts &ndash; adjustment receivable</TD>
    <TD STYLE="text-align: right">631</TD>
    <TD STYLE="text-align: right">157</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">132</TD>
    <TD STYLE="text-align: right">(94)</TD>
    <TD STYLE="text-align: right">(276)</TD>
    <TD STYLE="text-align: right">550</TD>
    <TD STYLE="text-align: right">530</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Option Contracts</TD>
    <TD STYLE="text-align: right">34</TD>
    <TD STYLE="text-align: right">(33)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">(6)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Forward contracts</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">6</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">1</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">10</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">17</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">1</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Derivatives - liabilities</TD>
    <TD STYLE="font-weight: bold; text-align: right">(569)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(144)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(187)</TD>
    <TD STYLE="font-weight: bold; text-align: right">29</TD>
    <TD STYLE="font-weight: bold; text-align: right">250</TD>
    <TD STYLE="font-weight: bold; text-align: right">(621)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(199)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swap Contracts &ndash; adjustment payable</TD>
    <TD STYLE="text-align: right">(561)</TD>
    <TD STYLE="text-align: right">(145)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(175)</TD>
    <TD STYLE="text-align: right">29</TD>
    <TD STYLE="text-align: right">250</TD>
    <TD STYLE="text-align: right">(602)</TD>
    <TD STYLE="text-align: right">(198)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Option Contracts</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">(1)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">Forward contracts</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(6)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(1)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(10)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(17)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD></TR>
  <TR>
    <TD STYLE="vertical-align: middle; border-top-color: black; border-top-width: 1pt">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: bottom; border-top-color: black; border-top-width: 1pt">Fair value at</TD>
    <TD COLSPAN="2" ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Total gains or losses (realized / unrealized)</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 1pt">Purchases</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 1pt">Settlements</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 1pt">Transfers in and / or out of Level</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: bottom; border-top-color: black; border-top-width: 1pt">Fair value at</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 1pt">Total Gains or Losses (unrealized)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; text-align: center">01/01/2022</TD>
    <TD STYLE="font-weight: bold; text-align: center">12/31/2021</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Recognized in income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Recognized in other comprehensive income</TD>
    <TD STYLE="font-weight: bold; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial assets at fair value through profit or loss</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,563</TD>
    <TD STYLE="font-weight: bold; text-align: right">46</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">143</TD>
    <TD STYLE="font-weight: bold; text-align: right">(49)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,324)</TD>
    <TD STYLE="font-weight: bold; text-align: right">379</TD>
    <TD STYLE="font-weight: bold; text-align: right">(98)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,563</TD>
    <TD STYLE="font-weight: bold; text-align: right">21</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">128</TD>
    <TD STYLE="font-weight: bold; text-align: right">(49)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,324)</TD>
    <TD STYLE="font-weight: bold; text-align: right">339</TD>
    <TD STYLE="font-weight: bold; text-align: right">(138)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(54)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">140</TD>
    <TD STYLE="text-align: right">86</TD>
    <TD STYLE="text-align: right">(62)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Real estate receivables certificates</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">(36)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">184</TD>
    <TD STYLE="text-align: right">151</TD>
    <TD STYLE="text-align: right">(60)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Debentures</TD>
    <TD STYLE="text-align: right">1,478</TD>
    <TD STYLE="text-align: right">109</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">96</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1,599)</TD>
    <TD STYLE="text-align: right">84</TD>
    <TD STYLE="text-align: right">(7)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Rural Product Note</TD>
    <TD STYLE="text-align: right">61</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(56)</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">(9)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Eurobonds and other</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">(14)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Financial bills</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="text-align: right">(32)</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; border-bottom: black 0.5pt solid">Other financial assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">25</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">15</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">40</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">40</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial assets at fair value through other comprehensive income</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(2)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">47</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">13</TD>
    <TD STYLE="font-weight: bold; text-align: right">58</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(2)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">47</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">13</TD>
    <TD STYLE="font-weight: bold; text-align: right">58</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Shares</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">47</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">45</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Bank deposit certificates</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">13</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid">Fair value at</TD>
    <TD COLSPAN="2" ROWSPAN="2" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Total gains or losses (realized / unrealized)</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Purchases</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Settlements</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Transfers in and / or out of Level</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; vertical-align: bottom; border-top: black 1pt solid">Fair value at</TD>
    <TD ROWSPAN="4" STYLE="font-weight: bold; vertical-align: middle; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Total Gains or Losses (unrealized)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center">12/31/2021</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Recognized in income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Recognized in other comprehensive income</TD>
    <TD STYLE="font-weight: bold; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Derivatives - assets</TD>
    <TD STYLE="font-weight: bold; text-align: right">152</TD>
    <TD STYLE="font-weight: bold; text-align: right">178</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">298</TD>
    <TD STYLE="font-weight: bold; text-align: right">(552)</TD>
    <TD STYLE="font-weight: bold; text-align: right">595</TD>
    <TD STYLE="font-weight: bold; text-align: right">671</TD>
    <TD STYLE="font-weight: bold; text-align: right">588</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swap Contracts &ndash; adjustment receivable</TD>
    <TD STYLE="text-align: right">90</TD>
    <TD STYLE="text-align: right">151</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">64</TD>
    <TD STYLE="text-align: right">(73)</TD>
    <TD STYLE="text-align: right">399</TD>
    <TD STYLE="text-align: right">631</TD>
    <TD STYLE="text-align: right">608</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Option Contracts</TD>
    <TD STYLE="text-align: right">62</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">228</TD>
    <TD STYLE="text-align: right">(479)</TD>
    <TD STYLE="text-align: right">196</TD>
    <TD STYLE="text-align: right">34</TD>
    <TD STYLE="text-align: right">(20)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Forward contracts</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Derivatives - liabilities</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(125)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">48</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(217)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">38</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(313)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(569)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(349)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Swap Contracts &ndash; adjustment payable</TD>
    <TD STYLE="text-align: right">(111)</TD>
    <TD STYLE="text-align: right">(25)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(132)</TD>
    <TD STYLE="text-align: right">21</TD>
    <TD STYLE="text-align: right">(314)</TD>
    <TD STYLE="text-align: right">(561)</TD>
    <TD STYLE="text-align: right">(350)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Option Contracts</TD>
    <TD STYLE="text-align: right">(14)</TD>
    <TD STYLE="text-align: right">73</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(79)</TD>
    <TD STYLE="text-align: right">17</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">(2)</TD>
    <TD STYLE="text-align: right">1</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">Other derivative financial instruments</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(6)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(6)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD></TR>
  </TABLE>
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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="7" STYLE="color: #EC7000; font-weight: bold; text-align: justify">Sensitivity analysis of Level 3 operations</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="7" STYLE="text-align: justify">The fair value of financial instruments classified in Level 3 is measured through valuation techniques based on correlations and associated products traded in active markets, internal estimates and internal models.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="7" STYLE="text-align: justify">Significant unobservable inputs used for measurement of the fair value of instruments classified in Level 3 are: interest rates, underlying asset prices and volatility. Significant variations in any of these inputs separately may give rise to substantial changes in the fair value.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="7" STYLE="text-align: justify">The table below shows the sensitivity of these fair values in scenarios of changes of interest rates or, asset prices, or in scenarios with varying shocks to prices and volatilities for nonlinear assets:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Sensitivity &ndash; Level 3 Operations</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid">Market risk factor groups&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Scenarios</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Impact</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Impact</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Income</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Stockholders' equity</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Income</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Stockholders' equity</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="3" STYLE="border-bottom: black 0.5pt solid; width: 39%">Interest rates</TD>
    <TD STYLE="text-align: center; width: 12%">I</TD>
    <TD STYLE="text-align: right; width: 12%">(1.3)</TD>
    <TD STYLE="text-align: right; width: 12%">-</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 12%">(2.2)</TD>
    <TD STYLE="text-align: right; width: 12%">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: center">II</TD>
    <TD STYLE="text-align: right">(32.7)</TD>
    <TD STYLE="text-align: right">(0.6)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(56.9)</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: center">III</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(65.4)</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(1.2)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(113.3)</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="border-bottom: black 0.5pt solid">Commodities, Indexes and Shares</TD>
    <TD STYLE="text-align: center">I</TD>
    <TD STYLE="text-align: right">(6.2)</TD>
    <TD STYLE="text-align: right">(2.1)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(6.7)</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: center">II</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(12.5)</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(4.3)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">(13.4)</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="border-bottom: black 1pt solid">Nonlinear</TD>
    <TD STYLE="text-align: center">I</TD>
    <TD STYLE="text-align: right">(3.0)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(24.8)</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid; text-align: center">II</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(4.7)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">(37.8)</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="7" STYLE="text-align: justify">The following scenarios are used to measure sensitivity:</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="7" STYLE="font-weight: bold; text-align: justify">Interest rate</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="7" STYLE="text-align: justify">Based on reasonably possible changes in assumptions of 1, 25 and 50 basis points (scenarios I, II and III respectively) applied to the interest curves, both up and down, taking the largest losses resulting in each scenario.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="7" STYLE="font-weight: bold; text-align: justify">Commodities, Index and Shares</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="7" STYLE="text-align: justify">Based on reasonably possible changes in assumptions of 5 and 10 percentage points (scenarios I and II respectively) applied to share prices, both up and down, taking the largest losses resulting in each scenario.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="7" STYLE="font-weight: bold">Nonlinear</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="7" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Scenario I:</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Based on reasonably possible changes in assumptions of 5 percentage points on prices and 25 percentage points on the volatility level, both up and down, taking the largest losses resulting in each scenario.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="7" STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Scenario II: </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Based on reasonably possible changes in assumptions of 10 percentage points on prices and 25 percentage points on the volatility level, both up and down, taking the largest losses resulting in each scenario.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Financial assets and
liabilities not measured at fair value</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="text-align: justify">The following table presents the financial assets and liabilities not measured at fair value on a recurring basis.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 49%">&nbsp;</TD>
    <TD STYLE="width: 13%">&nbsp;</TD>
    <TD STYLE="width: 13%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 13%">&nbsp;</TD>
    <TD STYLE="width: 11%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Book value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Book value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial assets</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,684,906</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,691,955</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,578,789</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,580,793</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">At Amortized Cost</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,684,906</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,691,955</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,578,789</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,580,793</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Central Bank compulsory deposits</TD>
    <TD STYLE="text-align: right">146,139</TD>
    <TD STYLE="text-align: right">146,139</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">115,748</TD>
    <TD STYLE="text-align: right">115,748</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interbank deposits</TD>
    <TD STYLE="text-align: right">45,931</TD>
    <TD STYLE="text-align: right">47,318</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">59,592</TD>
    <TD STYLE="text-align: right">59,868</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Securities purchased under agreements to resell</TD>
    <TD STYLE="text-align: right">269,751</TD>
    <TD STYLE="text-align: right">269,751</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">221,779</TD>
    <TD STYLE="text-align: right">221,779</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Securities</TD>
    <TD STYLE="text-align: right">253,515</TD>
    <TD STYLE="text-align: right">252,759</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">213,026</TD>
    <TD STYLE="text-align: right">213,438</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Loan and financial lease</TD>
    <TD STYLE="text-align: right">905,804</TD>
    <TD STYLE="text-align: right">912,222</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">909,422</TD>
    <TD STYLE="text-align: right">910,738</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Other financial assets</TD>
    <TD STYLE="text-align: right">115,963</TD>
    <TD STYLE="text-align: right">115,963</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">109,909</TD>
    <TD STYLE="text-align: right">109,909</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">(-) Provision for expected loss</TD>
    <TD STYLE="text-align: right">(52,197)</TD>
    <TD STYLE="text-align: right">(52,197)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(50,687)</TD>
    <TD STYLE="text-align: right">(50,687)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Financial liabilities</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,912,465</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,912,006</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,759,182</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,758,475</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">At Amortized Cost</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,908,530</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,908,071</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,755,498</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,754,791</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Deposits</TD>
    <TD STYLE="text-align: right">932,284</TD>
    <TD STYLE="text-align: right">932,043</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">871,438</TD>
    <TD STYLE="text-align: right">871,370</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Securities sold under repurchase agreements</TD>
    <TD STYLE="text-align: right">357,682</TD>
    <TD STYLE="text-align: right">357,682</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">293,440</TD>
    <TD STYLE="text-align: right">293,440</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Interbank market funds</TD>
    <TD STYLE="text-align: right">331,693</TD>
    <TD STYLE="text-align: right">331,680</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">294,587</TD>
    <TD STYLE="text-align: right">294,573</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Institutional market funds</TD>
    <TD STYLE="text-align: right">117,076</TD>
    <TD STYLE="text-align: right">116,871</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">129,382</TD>
    <TD STYLE="text-align: right">128,757</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Other financial liabilities</TD>
    <TD STYLE="text-align: right">169,795</TD>
    <TD STYLE="text-align: right">169,795</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">166,651</TD>
    <TD STYLE="text-align: right">166,651</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold">Provision for Expected Loss</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,935</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,935</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,684</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,684</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Loan commitments</TD>
    <TD STYLE="text-align: right">3,190</TD>
    <TD STYLE="text-align: right">3,190</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,874</TD>
    <TD STYLE="text-align: right">2,874</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; border-bottom: black 1pt solid">Financial guarantees</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">745</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">745</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">810</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right">810</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 29 - Provisions,
contingent assets and contingent liabilities</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In the ordinary course of its business,&nbsp;ITA&Uacute;
UNIBANCO HOLDING&nbsp;may be a party to legal proceedings labor, civil and tax nature. The contingencies related to these lawsuits are
classified as follows:&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Contingent assets</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">There are no contingent assets recorded.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Provisions and contingencies</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&#8217;s provisions
for judicial and administrative challenges are long-term, considering the time required for their questioning, and this prevents the disclosure
of a deadline for their conclusion.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The legal advisors believe that&nbsp;ITA&Uacute;
UNIBANCO HOLDING&nbsp;is not a party to this or any other administrative proceedings or lawsuits, in addition to those highlighted throughout
this note, that could significantly affect the results of its operations.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Civil lawsuits</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In general, provisions and contingencies
arise from claims related to the revision of contracts and compensation for material and moral damages. The lawsuits are classified as
follows:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Collective lawsuits:</B> Related to claims
of a similar nature and with individual amounts that are not considered significant. Provisions are calculated on a monthly basis and
the expected amount of losses is accrued according to statistical references that take into account the nature of the lawsuit and the
characteristics of the court (Small Claims Court or Regular Court). Contingencies and provisions are adjusted to reflect the amounts deposited
into court as guarantee for their execution when realized.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Individual lawsuits: </B>Related to claims
with unusual characteristics or involving significant amounts. The probability of loss is ascertained periodically, based on the amount
claimed and the special nature of each case. The probability of loss is estimated according to the peculiarities of the lawsuits.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING, despite having
complied with the rules in force at the time, is a defendant in lawsuits filed by individuals referring to payment of inflation adjustments
to savings accounts resulting from economic plans implemented in the 1980s and the 1990s, as well as in collective lawsuits filed by:
(i) consumer protection associations; and (ii) the Public Attorney&#8217;s
Office, on behalf of the savings accounts holders. ITA&Uacute; UNIBANCO HOLDING recognizes provisions upon receipt of summons, and when
individuals demand the enforcement of a ruling handed down by the courts, using the same criteria as for provisions for individual lawsuits.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Federal Supreme Court (STF) has issued
some decisions favorable to savings account holders, but it has not established its understanding with respect to the constitutionality
of the economic plans and their applicability to savings accounts. Currently, the appeals involving these matters are suspended, by order
of the STF, until it pronounces its final decision.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In December 2017, through mediation of the
Federal Attorney&#8217;s Office (AGU) and supervision of the BACEN, savers (represented by two civil associations, FEBRAPO and IDEC) and
FEBRABAN entered into an instrument of agreement aiming at resolving lawsuits related to the economic plans, and&nbsp;ITA&Uacute; UNIBANCO
HOLDING has already accepted its terms. Said agreement was approved on March 1, 2018, by the Plenary Session of the Federal Supreme Court
(STF) and savers could adhere to its terms for a 24-month period.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Due to the end of this term, the parties
signed an amendment to the instrument of agreement to extend this period in order to contemplate a higher number of holders of savings
accounts and, consequently, to extend the end of lawsuits. In May, 2020 the Federal Supreme Court (STF) approved this amendment and granted
a 30-month term for new adhesions, and this term may be extended for another 30 months, subject to the reporting of the number of adhesions
over the first period.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>Labor claims</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Provisions and contingencies arise from
lawsuits in which labor rights provided for in labor legislation specific to the related profession are discussed, such as: overtime,
salary equalization, reinstatement, transfer allowance, and pension plan supplement, among others. These lawsuits are classified as follows:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Collective lawsuits:</B> related to claims
considered similar and with individual amounts that are not considered significant. The expected amount of loss is determined and accrued
on a monthly basis in accordance with a statistical model which calculates the amount of the claims&nbsp;and it is reassessed taking into
account court rulings. Provisions for contingencies are adjusted to reflect the amounts deposited into court as security for execution.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><B>Individual lawsuits:&nbsp;</B>related
to claims with unusual characteristics or involving significant amounts. These are periodically calculated based on the amounts claimed.
The probability of loss is estimated in accordance with the actual and legal characteristics of each lawsuit.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>Other risks</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">These are quantified and accrued on the
basis of the&nbsp;amount of rural credit transactions with joint liability and FCVS (salary variations compensation fund) credits assigned
to Banco Nacional.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>I - Civil, labor and
other risks provisions</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; text-align: left">Below are the changes in civil, labor and other risks provisions:</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 15%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 25%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Note</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Civil</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Labor</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Other Risks</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Opening balance - 01/01</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,231</TD>
    <TD STYLE="font-weight: bold; text-align: right">8,186</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,844</TD>
    <TD STYLE="font-weight: bold; text-align: right">13,261</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">(-) Provisions guaranteed by indemnity clause</TD>
    <TD STYLE="text-align: center">2d XIV</TD>
    <TD STYLE="text-align: right">(207)</TD>
    <TD STYLE="text-align: right">(952)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1,159)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Subtotal</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,024</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">7,234</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,844</TD>
    <TD STYLE="font-weight: bold; text-align: right">12,102</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Adjustment / Interest</TD>
    <TD STYLE="text-align: center">23</TD>
    <TD STYLE="text-align: right">110</TD>
    <TD STYLE="text-align: right">275</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">385</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Changes in the period reflected in income</TD>
    <TD STYLE="font-weight: bold; text-align: center">23</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">901</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">1,800</TD>
    <TD STYLE="font-weight: bold; text-align: right">300</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,001</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px">Increase</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,304</TD>
    <TD STYLE="text-align: right">2,050</TD>
    <TD STYLE="text-align: right">330</TD>
    <TD STYLE="text-align: right">3,684</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px">Reversal</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(403)</TD>
    <TD STYLE="text-align: right">(250)</TD>
    <TD STYLE="text-align: right">(30)</TD>
    <TD STYLE="text-align: right">(683)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Payment</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1,152)</TD>
    <TD STYLE="text-align: right">(2,145)</TD>
    <TD STYLE="text-align: right">(21)</TD>
    <TD STYLE="text-align: right">(3,318)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Subtotal</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,883</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">7,164</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,123</TD>
    <TD STYLE="font-weight: bold; text-align: right">12,170</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">(+) Provisions guaranteed by indemnity clause</TD>
    <TD STYLE="text-align: center">2d XIV</TD>
    <TD STYLE="text-align: right">207</TD>
    <TD STYLE="text-align: right">957</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,164</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 1pt solid">Closing balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,090</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">8,121</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">2,123</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">13,334</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Current</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,676</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,081</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,123</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,880</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 1pt solid">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1,414</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">5,040</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">6,454</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Note</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Civil</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Labor</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Other Risks</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Opening balance - 01/01</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,317</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">8,219</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,558</TD>
    <TD STYLE="font-weight: bold; text-align: right">13,094</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">(-) Provisions guaranteed by indemnity clause</TD>
    <TD STYLE="text-align: center">2d XIV</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(225)</FONT></TD>
    <TD STYLE="text-align: right">(879)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(1,104)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Subtotal</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,092</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">7,340</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,558</TD>
    <TD STYLE="font-weight: bold; text-align: right">11,990</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Adjustment / Interest</TD>
    <TD STYLE="text-align: center">23</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">169</FONT></TD>
    <TD STYLE="text-align: right">491</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">660</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Changes in the period reflected in income</TD>
    <TD STYLE="font-weight: bold; text-align: center">23</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">903</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">2,339</TD>
    <TD STYLE="font-weight: bold; text-align: right">469</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,711</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Increase <SUP>&nbsp;(1)</SUP></FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,403</FONT></TD>
    <TD STYLE="text-align: right">2,663</TD>
    <TD STYLE="text-align: right">469</TD>
    <TD STYLE="text-align: right">4,535</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px">Reversal</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(500)</FONT></TD>
    <TD STYLE="text-align: right">(324)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(824)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Payment</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,140)</FONT></TD>
    <TD STYLE="text-align: right">(2,936)</TD>
    <TD STYLE="text-align: right">(183)</TD>
    <TD STYLE="text-align: right">(4,259)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Subtotal</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,024</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">7,234</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,844</TD>
    <TD STYLE="font-weight: bold; text-align: right">12,102</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">(+) Provisions guaranteed by indemnity clause</TD>
    <TD STYLE="text-align: center">2d XIV</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">207</FONT></TD>
    <TD STYLE="text-align: right">952</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,159</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 1pt solid">Closing balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,231</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">8,186</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1,844</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">13,261</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Current</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,157</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">2,949</TD>
    <TD STYLE="font-weight: bold; text-align: right">605</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,711</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 1pt solid">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,074</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">5,237</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1,239</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">8,550</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="7" STYLE="font-size: 9pt; border-top: black 1pt solid">1) Includes, in the labor provision, the effects of&nbsp;&nbsp;the Voluntary Severance Program at 12/31/2022.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>II - Tax and social security
provisions</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="text-align: justify">Tax and social security provisions correspond to the principal amount of taxes involved in administrative or judicial tax lawsuits, subject to tax assessment notices, plus interest and, when applicable, fines and charges.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">The table below shows the change in the provisions:</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 18%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 44%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 10%">Note</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 14%">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 14%">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Opening balance - 01/01</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,214</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,498</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">(-) Provisions guaranteed by indemnity clause</TD>
    <TD STYLE="text-align: center">2d XIV</TD>
    <TD STYLE="text-align: right">(75)</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(71)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Subtotal</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,139</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,427</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Adjustment / Interest <SUP>(1)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">283</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">628</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Changes in the period reflected in income</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">370</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(829)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Increase <SUP>(1)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">710</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">156</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Reversal <SUP>(1)</SUP></FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(340)</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(985)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Payment</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(53)</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(86)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Subtotal</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,739</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,140</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">(+) Provisions guaranteed by indemnity clause</TD>
    <TD STYLE="text-align: center">2d XIV</TD>
    <TD STYLE="text-align: right">78</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">74</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 1pt solid">Closing balance</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,817</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,214</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Current</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">4</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 1pt solid">Non-current</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">6,817</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,210</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">1) The amounts are included in the headings Tax Expenses, General and Administrative Expenses and Current Income Tax and Social Contribution.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The main discussions related to tax and
social security provisions are described below:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>INSS
&#8211; Non-compensatory Amounts &#8211;&nbsp;R$ 1,946: the non-levy of social security contribution on amounts paid as profit sharing
is defended. The balance of the deposits in guarantee is&nbsp;R$ 1,261.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>PIS
and COFINS &#8211; Calculation Basis &#8211;&nbsp;R$ 698: defending the levy of PIS and COFINS on revenue, a tax on revenue from the sales
of assets and services. The balance of the deposits in guarantee is&nbsp;R$ 684.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>III - Contingencies not
provided for in the balance sheet</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Amounts involved in administrative and judicial
arguments with the risk of loss estimated as possible are not provided for. They are mainly composed of:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>Civil lawsuits and labor claims</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In Civil Lawsuits with possible loss, total
estimated risk is&nbsp;R$ 5,402&nbsp;(R$ 5,087&nbsp;at 12/31/2022), and in this total there are no amounts arising from interests in Joint
Ventures.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For Labor Claims with possible loss, estimated
risk is&nbsp;R$ 803&nbsp;(R$ 637&nbsp;at&nbsp;12/31/2022).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><B>&nbsp;Tax and social security obligations</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">Tax and social security obligations of possible loss totaled&nbsp;R$
44,823 (R$ 40,958&nbsp;&nbsp;at&nbsp;12/31/2022), and the main cases are described below:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>INSS
&#8211; Non-compensatory Amounts &#8211;&nbsp;R$ 10,513: defends the non-levy of this contribution on these amounts, among which are profit
sharing and stock options.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>ISS
&#8211; Banking Activities/Provider Establishment &#8211;&nbsp;R$ 7,151: the levy and/or payment place of ISS for certain banking revenues
are discussed.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>IRPJ,
CSLL, PIS and COFINS &#8211; Funding Expenses &#8211;&nbsp;R$ 5,690: the deductibility of raising costs (Interbank deposits rates) for
funds that were capitalized between group companies.</P>


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<P STYLE="font: 15pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>IRPJ
and CSLL &#8211; Goodwill &#8211; Deduction &#8211;&nbsp;R$ 3,857: the deductibility of goodwill for future expected profitability on
the acquisition of investments.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>PIS
and COFINS - Reversal of Revenues from Depreciation in Excess &#8211;&nbsp;R$ 3,616: discussing the accounting and tax treatment of PIS
and COFINS upon settlement of leasing operations.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>IRPJ,
CSLL, PIS and COFINS &#8211; Requests for Offsetting Dismissed &#8211;&nbsp;R$ 2,502: cases in which the liquidity and the certainty of
credits offset are discussed.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>IRPJ
and CSLL &#8211; Disallowance of Losses &#8211;&nbsp;R$ 1,231: discussion on the amount of tax loss (IRPJ) and/or social contribution
(CSLL) tax loss carryforwards used by the Federal Revenue Service when drawing up tax assessment notes that are still pending a final
decision.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>IRPJ
and CSLL - Deductibility of Loss in Loan Operations - R$ 1,292:&nbsp;&nbsp;assessments drawn up for the requirement of IRPJ and CSLL due
to the alleged noncompliance with legal criteria for deducting losses in receipt of loans.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Accounts receivable
&#8211; Reimbursement of provisions</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The receivables balance arising from reimbursements
of contingencies totals&nbsp;R$ 916&nbsp;(R$ 899&nbsp;at 12/31/2022) (Note&nbsp;18a) , arising mainly from the collateral established
in Banco Banerj S.A. privatization process occurred in 1997, when the State of Rio de Janeiro created a fund to guarantee the equity recomposition
in provisions for civil, labor and tax and social security claims.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>d) Guarantees of contingencies,
provisions and legal obligations</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="8">The guarantees related to legal proceedings involving ITA&Uacute; UNIBANCO HOLDING and basically consist of:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 30%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">Note</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Civil</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Labor</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Tax</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Total</TD>
    <TD STYLE="font-weight: bold; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 12%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Deposits in guarantee</TD>
    <TD STYLE="text-align: center">23</TD>
    <TD STYLE="text-align: right">1,875</TD>
    <TD STYLE="text-align: right">2,194</TD>
    <TD STYLE="text-align: right">9,552</TD>
    <TD STYLE="font-weight: bold; text-align: right">13,621</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">13,001</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Investment fund quotas</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">445</TD>
    <TD STYLE="text-align: right">108</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="font-weight: bold; text-align: right">572</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">615</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Surety</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">66</TD>
    <TD STYLE="text-align: right">55</TD>
    <TD STYLE="text-align: right">5,522</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,643</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,262</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Insurance bond</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,812</TD>
    <TD STYLE="text-align: right">1,521</TD>
    <TD STYLE="text-align: right">17,698</TD>
    <TD STYLE="font-weight: bold; text-align: right">21,031</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">19,256</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Guarantee by government securities</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">316</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">316</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">292</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">4,198</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">3,878</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">33,107</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">41,183</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">38,426</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 30 - Segment Information</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The current operational and reporting segments
of ITA&Uacute; UNIBANCO HOLDING&nbsp;are described below:&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Retail
Business</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 22.5pt; text-align: justify">The segment comprises retail customers,
account holders and non-account holders, individuals and legal entities, high income clients (Ita&uacute; Uniclass and Personnalit&eacute;)
and the companies segment (microenterprises and small companies). It includes financing and credit offers made outside the branch network,
in addition to credit cards and payroll loans.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Wholesale
Business</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 22.5pt; text-align: justify">It comprises products and services
offered to middle-market companies, high net worth clients (Private Banking), and the operation of Latin American units and Ita&uacute;
BBA, which is the unit responsible for business with large companies and Investment Banking operations.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Activities
with the Market + Corporation</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 22.5pt; text-align: justify">Basically, corresponds to the result
arising from capital surplus, subordinated debt surplus and the net balance of tax credits and debits. It also includes the financial
margin on market trading, Treasury operating costs, and equity in earnings of companies not included in either of the other segments.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Basis of Presentation</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">Segment information is based on the
reports used by senior management of ITA&Uacute; UNIBANCO HOLDING&nbsp;to&nbsp;assess performance and to make decisions about allocation
of funds for investment and other purposes.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">These reports use a variety of information
for management purposes, including financial and non-financial information supported by bases different from information prepared according
to accounting practices adopted in Brazil. The main indicators used for monitoring business performance are Recurring Income, and Return
on Economic Capital allocated to each business segment.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">Information by segment has been prepared
in accordance with accounting practices adopted in Brazil and is adjusted by the items below:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify"><B>Allocated capital:</B>&nbsp;The
statements for each segment consider capital allocation based on a proprietary model and consequent impacts on results arising from this
allocation. This model includes the following components: Credit risk, operating risk, market risk and insurance underwriting risk.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify"><B>Income tax rate:&nbsp;</B>We take
the total income tax rate, net of the tax effect from the payment of interest on capital, for the Retail Business, Wholesale Business
and Activities with the Market + Corporation. The difference between the income tax amount calculated by segment and the effective income
tax amount, as stated in the consolidated financial statements, is allocated to the Trading + Institutional column.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Reclassification
and application of managerial criteria</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 30pt; text-align: justify">The managerial statement of income
was used to prepare information per segment. These statements were obtained based on the statement of income adjusted by the impact of
non-recurring events and the managerial reclassifications in income.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 30pt; text-align: justify">The main reclassifications between
the accounting and managerial results are:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 30pt; text-align: justify"><B>Operating revenues:&nbsp;</B>Considers
the opportunity cost for each operation. The financial statements were adjusted so that the stockholders' equity was replaced by funding
at market price. Subsequently, the financial statements were adjusted to include revenues related to capital allocated to each segment.
The cost of subordinated debt and the respective remuneration at market price were proportionally allocated to the segments, based on
the economic capital allocated.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 30pt; text-align: justify"><B>Tax effects of hedging:&nbsp;</B>The
tax effects of hedging of investments abroad were adjusted &#8211; they were originally recorded as tax expenses (PIS and COFINS) and
Income Tax and Social Contribution on Net Income &#8211; and are now reclassified to financial margin.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 30pt; text-align: justify"><B>Insurance:&nbsp;</B>The main reclassifications
of revenues refer to the financial margins obtained from technical provisions for insurance, pension plans and premium bonds, in addition
to revenue from management of pension plan funds.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 30pt; text-align: justify"><B>Other reclassifications:</B> Other
Income, Share of profit or (loss) in Associates and joint ventures, Non-Operating Income, Profit Sharing of Management Members and Expenses
for Credit Card Reward Program were reclassified to those lines representing the way the ITA&Uacute; UNIBANCO HOLDING manages its business,
to provide a clearer understanding of our performance.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 30pt; text-align: justify">The adjustments and reclassifications
column shows the effects of the differences between the accounting principles followed for the presentation of segment information, which
are substantially in line with the accounting practices adopted for financial institutions in Brazil, except as described above, and the
policies used in the preparation of these consolidated financial statements according to IFRS. Significant adjustments are as follows:</P>


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<P STYLE="font: 15pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 30pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Requirements
for impairment testing of financial assets are based on the expected loan losses model.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 30pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Adjustment
to fair value due to reclassifications of financial assets to categories of measurement at amortized cost, at fair value through profit
and loss or at fair value through other comprehensive income, as a result of the concept of business models of IFRS 9.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 30pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Financial
assets modified and not written-off, with their balances recalculated in accordance with the requirements of IFRS 9.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 30pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Effective
interest rate of financial assets and liabilities measured at amortized cost, appropriating revenues and costs directly attributable to
their acquisition, issue or disposal over the transaction term, whereas in the standards adopted in Brazil, recognition of expenses and
revenues from fees occurs at the time these transactions are contracted.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 30pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Goodwill
generated in a business combination is not amortized, whereas in the standards adopted in Brazil, it is amortized.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Consolidated Statement
of Managerial Result</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">07/01 to 09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Retail Business</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Wholesale Business</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Activities with the Market + Corporation</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">ITA&Uacute; UNIBANCO</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Adjustments</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">IFRS consolidated <SUP>(1)</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; width: 36%">Operating revenues</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; width: 10%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">24,145</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">13,967</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,425</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">39,537</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">865</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">40,402</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Interest margin</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">14,826</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10,169</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,279</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">26,274</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(337)</FONT></TD>
    <TD STYLE="text-align: right">25,937</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Commissions and Banking Fees</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,895</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,719</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">80</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10,694</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">913</FONT></TD>
    <TD STYLE="text-align: right">11,607</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Income from insurance and private pension operations before claim and selling expenses</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,424</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">79</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">66</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,569</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(852)</FONT></TD>
    <TD STYLE="text-align: right">1,717</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Other revenues</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,141</FONT></TD>
    <TD STYLE="text-align: right">1,141</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Cost of Credit</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(8,088)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(1,175)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(9,263)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,269</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">(7,994)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Claims</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(365)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(7)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(372)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">372</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Operating margin</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">15,692</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">12,785</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,425</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">29,902</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,506</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">32,408</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Other operating income / (expenses)</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(11,470)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(5,094)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(475)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(17,039)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(4,896)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(21,935)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Non-interest expenses</TD>
    <TD STYLE="padding-left: 12px">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(9,937)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(4,451)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(360)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(14,748)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(5,191)</FONT></TD>
    <TD STYLE="text-align: right">(19,939)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Tax expenses for ISS, PIS and COFINS and Other</TD>
    <TD STYLE="padding-left: 12px; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,533)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(643)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(115)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,291)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(2,291)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Share of profit or (loss) in associates and joint ventures</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">295</FONT></TD>
    <TD STYLE="text-align: right">295</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Income before income tax and social contribution</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">4,222</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">7,691</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">950</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">12,863</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,390)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">10,473</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Income tax and social contribution</TD>
    <TD STYLE="font-weight: bold; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,006)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,470)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(203)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,679)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,675</FONT></TD>
    <TD STYLE="text-align: right">(2,004)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Non-controlling interests</TD>
    <TD STYLE="font-weight: bold; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(18)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(134)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(144)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">33</FONT></TD>
    <TD STYLE="text-align: right">(111)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Net income</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,198</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">5,087</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">755</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,040</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(682)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,358</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-size: 11pt; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; border-top: black 0.5pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Total assets <SUP>(*)</SUP> -</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,676,447</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,230,204</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">196,874</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,678,896</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(169,779)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,509,117</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">Total liabilities -</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,611,862</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,152,375</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">156,996</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,496,605</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(180,162)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,316,443</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="border-top: black 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400"><SUP>(*)</SUP> Includes:</FONT></TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Investments in associates and joint ventures</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,115</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,213</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,328</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,479</FONT></TD>
    <TD STYLE="text-align: right">8,807</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Fixed assets, net</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,996</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,350</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,346</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">117</FONT></TD>
    <TD STYLE="text-align: right">7,463</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Goodwill and Intangible assets, net</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9,237</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,480</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">17,717</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,785</FONT></TD>
    <TD STYLE="text-align: right">23,502</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">1) 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.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Interest margin includes interest and similar
income and expenses of R$ 20,067&nbsp;(R$ 19,388&nbsp;from&nbsp;07/01 to 09/30/2022), result of financial assets and liabilities at fair
value through profit or loss of&nbsp;R$ 10,928&nbsp;(R$ 8,554&nbsp;from&nbsp;07/01 to 09/30/2022)&nbsp;and foreign exchange results and
exchange variations in foreign transactions of&nbsp;R$ (5,058)&nbsp;(R$ (5,979)&nbsp;from&nbsp;07/01 to 09/30/2022).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Non-interest expenses refers to general
and administrative expenses, including depreciation and amortization expenses of R$ (1,572)&nbsp;(R$ (1,582)&nbsp;from&nbsp;07/01 to 09/30/2022).&nbsp;</P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">07/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 35%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; width: 10%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 9%">Retail Business</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 9%">Wholesale Business</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 10%">Activities with the Market + Corporation</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 9%">ITA&Uacute; UNIBANCO</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 9%">Adjustments</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">IFRS consolidated <SUP>(1)</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Operating revenues</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">23,320</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">12,737</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">510</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">36,567</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(535)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">36,032</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Interest margin</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">14,339</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9,110</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">452</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">23,901</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,938)</FONT></TD>
    <TD STYLE="text-align: right">21,963</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Commissions and Banking Fees</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,778</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,593</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">39</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10,410</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">937</FONT></TD>
    <TD STYLE="text-align: right">11,347</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Income from insurance and private pension operations before claim and selling expenses</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,203</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">34</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">19</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,256</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(913)</FONT></TD>
    <TD STYLE="text-align: right">1,343</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Other revenues</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,379</FONT></TD>
    <TD STYLE="text-align: right">1,379</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Cost of Credit</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(7,943)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(49)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(7,992)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">992</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">(7,000)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Claims</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(410)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(412)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">412</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Operating margin</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">14,967</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">12,686</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">510</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">28,163</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">869</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">29,032</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Other operating income / (expenses)</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(11,063)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(5,026)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(50)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(16,139)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(3,311)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(19,450)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Non-interest expenses</TD>
    <TD STYLE="padding-left: 12px">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(9,486)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(4,386)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(70)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(13,942)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,314)</FONT></TD>
    <TD STYLE="text-align: right">(17,256)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Tax expenses for ISS, PIS and COFINS and Other</TD>
    <TD STYLE="padding-left: 12px; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,577)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(640)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">20</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,197)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(139)</FONT></TD>
    <TD STYLE="text-align: right">(2,336)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Share of profit or (loss) in associates and joint ventures</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">142</FONT></TD>
    <TD STYLE="text-align: right">142</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">Income before income tax and social contribution</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,904</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">7,660</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">460</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">12,024</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,442)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,582</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Income tax and social contribution</TD>
    <TD STYLE="font-weight: bold; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,184)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,704)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">144</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,744)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,280</FONT></TD>
    <TD STYLE="text-align: right">(1,464)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Non-controlling interests</TD>
    <TD STYLE="font-weight: bold; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">19</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(163)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(57)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(201)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">32</FONT></TD>
    <TD STYLE="text-align: right">(169)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Net income</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,739</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">4,793</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">547</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,079</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(130)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">7,949</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-size: 11pt; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; border-top: black 0.5pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Total assets <SUP>(*)</SUP> -</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,524,983</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,175,209</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">171,983</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,469,958</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(148,892)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,321,066</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">Total liabilities -</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,455,227</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,102,834</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">144,379</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,300,224</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(156,265)</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,143,959</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="border-top: black 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400"><SUP>(*)</SUP> Includes:</FONT></TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Investments in associates and joint ventures</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,114</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,798</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,912</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">531</FONT></TD>
    <TD STYLE="text-align: right">7,443</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Fixed assets, net</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,781</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,282</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,063</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">704</FONT></TD>
    <TD STYLE="text-align: right">7,767</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px">Goodwill and Intangible assets, net</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8,660</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9,062</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">17,722</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,392</FONT></TD>
    <TD STYLE="text-align: right">23,114</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">1) The IFRS Consolidated figures do not represent the sum of all 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.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">01/01 to 09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Retail&nbsp;&nbsp;&nbsp;&nbsp;Business</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Wholesale Business</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Activities with the Market +&nbsp;&nbsp;Corporation</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">ITA&Uacute; UNIBANCO</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Adjustments</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">IFRS consolidated <SUP>(1)</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid">Operating revenues</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">71,789</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">40,433</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">3,592</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">115,814</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">761</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">116,575</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="padding-left: 12px">Interest margin</TD>
    <TD STYLE="text-align: right">44,142</TD>
    <TD STYLE="text-align: right">29,586</TD>
    <TD STYLE="text-align: right">3,236</TD>
    <TD STYLE="text-align: right">76,964</TD>
    <TD STYLE="text-align: right">(3,295)</TD>
    <TD STYLE="text-align: right">73,669</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Commissions and Banking Fees</TD>
    <TD STYLE="text-align: right">20,593</TD>
    <TD STYLE="text-align: right">10,598</TD>
    <TD STYLE="text-align: right">212</TD>
    <TD STYLE="text-align: right">31,403</TD>
    <TD STYLE="text-align: right">2,433</TD>
    <TD STYLE="text-align: right">33,836</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left; background-color: white">Income from insurance and private pension operations before&nbsp;&nbsp;claim and selling expenses</TD>
    <TD STYLE="text-align: right; background-color: white">7,054</TD>
    <TD STYLE="text-align: right; background-color: white">249</TD>
    <TD STYLE="text-align: right; background-color: white">144</TD>
    <TD STYLE="text-align: right">7,447</TD>
    <TD STYLE="text-align: right; background-color: white">(2,299)</TD>
    <TD STYLE="text-align: right; background-color: white">5,148</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Other revenues</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">3,922</TD>
    <TD STYLE="text-align: right">3,922</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold">Cost of Credit</TD>
    <TD STYLE="font-weight: bold; text-align: right">(24,550)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(3,242)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(27,792)</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,769</TD>
    <TD STYLE="font-weight: bold; text-align: right">(24,023)</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold">Claims</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,126)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(14)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,140)</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,140</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold">Operating margin</TD>
    <TD STYLE="font-weight: bold; text-align: right">46,113</TD>
    <TD STYLE="font-weight: bold; text-align: right">37,177</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,592</TD>
    <TD STYLE="font-weight: bold; text-align: right">86,882</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,670</TD>
    <TD STYLE="font-weight: bold; text-align: right">92,552</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold">Other operating&nbsp;&nbsp;income / (expenses)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(33,572)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(15,077)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,254)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(49,903)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(13,032)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(62,935)</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Non-interest expenses</TD>
    <TD STYLE="text-align: right">(28,773)</TD>
    <TD STYLE="text-align: right">(13,116)</TD>
    <TD STYLE="text-align: right">(930)</TD>
    <TD STYLE="text-align: right">(42,819)</TD>
    <TD STYLE="text-align: right">(13,418)</TD>
    <TD STYLE="text-align: right">(56,237)</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Tax expenses for&nbsp;&nbsp;ISS, PIS and COFINS and Other</TD>
    <TD STYLE="text-align: right">(4,799)</TD>
    <TD STYLE="text-align: right">(1,961)</TD>
    <TD STYLE="text-align: right">(324)</TD>
    <TD STYLE="text-align: right">(7,084)</TD>
    <TD STYLE="text-align: right">(301)</TD>
    <TD STYLE="text-align: right">(7,385)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left; background-color: white">Share of profit or (loss) in associates and joint ventures</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right; background-color: white">687</TD>
    <TD STYLE="text-align: right; background-color: white">687</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold">Income before income tax and social contribution</TD>
    <TD STYLE="font-weight: bold; text-align: right">12,541</TD>
    <TD STYLE="font-weight: bold; text-align: right">22,100</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,338</TD>
    <TD STYLE="font-weight: bold; text-align: right">36,979</TD>
    <TD STYLE="font-weight: bold; text-align: right">(7,362)</TD>
    <TD STYLE="font-weight: bold; text-align: right">29,617</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: justify">Income tax and social contribution</TD>
    <TD STYLE="text-align: right">(3,011)</TD>
    <TD STYLE="text-align: right">(6,717)</TD>
    <TD STYLE="text-align: right">(509)</TD>
    <TD STYLE="text-align: right">(10,237)</TD>
    <TD STYLE="text-align: right">5,552</TD>
    <TD STYLE="text-align: right">(4,685)</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: justify">Non-controlling interests</TD>
    <TD STYLE="text-align: right">(37)</TD>
    <TD STYLE="text-align: right">(503)</TD>
    <TD STYLE="text-align: right">15</TD>
    <TD STYLE="text-align: right">(525)</TD>
    <TD STYLE="text-align: right">(75)</TD>
    <TD STYLE="text-align: right">(600)</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: left">Net income</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">9,493</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">14,880</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">1,844</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">26,217</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">(1,885)</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">24,332</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="font-size: 11pt; width: 36%">&nbsp;</TD>
    <TD STYLE="font: 11pt Calibri\; width: 10%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="font-size: 11pt; width: 9%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Total assets <SUP>(*)</SUP> -</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,676,447</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,230,204</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">196,874</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,678,896</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(169,779)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,509,117</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="font-weight: bold; vertical-align: top; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">Total liabilities -</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">1,611,862</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">1,152,375</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">156,996</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">2,496,605</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">(180,162)</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">2,316,443</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400"><SUP>(*) </SUP>&nbsp;Includes:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Investments in associates and joint ventures</TD>
    <TD STYLE="text-align: right">2,115</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">5,213</TD>
    <TD STYLE="text-align: right">7,328</TD>
    <TD STYLE="text-align: right">1,479</TD>
    <TD STYLE="text-align: right">8,807</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left; background-color: white">Fixed assets, net</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">5,996</TD>
    <TD STYLE="text-align: right; background-color: white">1,350</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">7,346</TD>
    <TD STYLE="text-align: right; background-color: white">117</TD>
    <TD STYLE="text-align: right; background-color: white">7,463</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left; background-color: white">Goodwill and Intangible assets, net</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">9,237</TD>
    <TD STYLE="text-align: right; background-color: white">8,480</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">17,717</TD>
    <TD STYLE="text-align: right; background-color: white">5,785</TD>
    <TD STYLE="text-align: right; background-color: white">23,502</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD COLSPAN="8" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">1) 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.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Interest margin includes interest and similar
income and expenses of R$ 50,040&nbsp;(R$ 57,490&nbsp;from&nbsp;01/01 to 09/30/2022), result of financial assets and liabilities at fair
value through profit or loss of&nbsp;R$ 22,845&nbsp;(R$ 13,433&nbsp;from&nbsp;01/01 to 09/30/2022)&nbsp;and foreign exchange results and
exchange variations in foreign transactions of&nbsp;R$ 784&nbsp;(R$ (5,628)&nbsp;from&nbsp;01/01 to 09/30/2022).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Non-interest expenses refers to general
and administrative expenses, including depreciation and amortization expenses of R$ (4,896)&nbsp;(R$ (4,278)&nbsp;from&nbsp;01/01 to 09/30/2022).&nbsp;</P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Retail Business</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Wholesale Business</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Activities with the Market +&nbsp;&nbsp;Corporation</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">ITA&Uacute; UNIBANCO</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Adjustments</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">IFRS consolidated <SUP>(1)</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; width: 36%">Operating revenues</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; width: 10%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; width: 9%">66,871</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; width: 9%">35,809</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; width: 9%">2,172</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; width: 9%">104,852</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; width: 9%">1,191</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right; width: 9%">106,043</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Interest margin</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">40,523</TD>
    <TD STYLE="text-align: right">24,866</TD>
    <TD STYLE="text-align: right">2,198</TD>
    <TD STYLE="text-align: right">67,587</TD>
    <TD STYLE="text-align: right">(2,292)</TD>
    <TD STYLE="text-align: right">65,295</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Commissions and&nbsp;&nbsp;Banking Fees</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">19,905</TD>
    <TD STYLE="text-align: right">10,666</TD>
    <TD STYLE="text-align: right">109</TD>
    <TD STYLE="text-align: right">30,680</TD>
    <TD STYLE="text-align: right">2,625</TD>
    <TD STYLE="text-align: right">33,305</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Income from insurance and private pension operations before&nbsp;&nbsp;claim and selling expenses</TD>
    <TD STYLE="text-align: right">6,443</TD>
    <TD STYLE="text-align: right">277</TD>
    <TD STYLE="text-align: right">(135)</TD>
    <TD STYLE="text-align: right">6,585</TD>
    <TD STYLE="text-align: right">(2,784)</TD>
    <TD STYLE="text-align: right">3,801</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Other revenues</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">3,642</TD>
    <TD STYLE="text-align: right">3,642</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Cost of Credit</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(21,867)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(627)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(22,494)</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,259</TD>
    <TD STYLE="font-weight: bold; text-align: right">(20,235)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Claims</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,129)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(9)</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,138)</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,138</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Operating margin</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">43,875</TD>
    <TD STYLE="font-weight: bold; text-align: right">35,173</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,172</TD>
    <TD STYLE="font-weight: bold; text-align: right">81,220</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,588</TD>
    <TD STYLE="font-weight: bold; text-align: right">85,808</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Other operating&nbsp;&nbsp;income / (expenses)</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(32,123)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(14,219)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(152)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(46,494)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(10,678)</TD>
    <TD STYLE="font-weight: bold; text-align: right">(57,172)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Non-interest expenses</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(27,533)</TD>
    <TD STYLE="text-align: right">(12,379)</TD>
    <TD STYLE="text-align: right">(153)</TD>
    <TD STYLE="text-align: right">(40,065)</TD>
    <TD STYLE="text-align: right">(10,420)</TD>
    <TD STYLE="text-align: right">(50,485)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Tax expenses for ISS, PIS and COFINS and Other</TD>
    <TD STYLE="text-align: right">(4,590)</TD>
    <TD STYLE="text-align: right">(1,840)</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">(6,429)</TD>
    <TD STYLE="text-align: right">(696)</TD>
    <TD STYLE="text-align: right">(7,125)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Share of profit or (loss) in associates and joint ventures</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">438</TD>
    <TD STYLE="text-align: right">438</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: justify">Income before income tax&nbsp;&nbsp;and social contribution</TD>
    <TD STYLE="font-weight: bold; text-align: right">11,752</TD>
    <TD STYLE="font-weight: bold; text-align: right">20,954</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,020</TD>
    <TD STYLE="font-weight: bold; text-align: right">34,726</TD>
    <TD STYLE="font-weight: bold; text-align: right">(6,090)</TD>
    <TD STYLE="font-weight: bold; text-align: right">28,636</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Income tax and social contribution</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">(3,601)</TD>
    <TD STYLE="text-align: right">(7,102)</TD>
    <TD STYLE="text-align: right">(31)</TD>
    <TD STYLE="text-align: right">(10,734)</TD>
    <TD STYLE="text-align: right">4,778</TD>
    <TD STYLE="text-align: right">(5,956)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: justify">Non-controlling interests</TD>
    <TD STYLE="text-align: right">(12)</TD>
    <TD STYLE="text-align: right">(664)</TD>
    <TD STYLE="text-align: right">(198)</TD>
    <TD STYLE="text-align: right">(874)</TD>
    <TD STYLE="text-align: right">109</TD>
    <TD STYLE="text-align: right">(765)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Net income</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">8,139</TD>
    <TD STYLE="font-weight: bold; text-align: right">13,188</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,791</TD>
    <TD STYLE="font-weight: bold; text-align: right">23,118</TD>
    <TD STYLE="font-weight: bold; text-align: right">(1,203)</TD>
    <TD STYLE="font-weight: bold; text-align: right">21,915</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-style: italic; border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Total assets <SUP>(*)</SUP> -</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,524,983</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,175,209</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">171,983</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,469,958</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(148,892)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,321,066</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">Total liabilities -</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,455,227</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,102,834</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">144,379</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,300,224</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(156,265)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">2,143,959</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400"><SUP>(*)</SUP> Includes:</FONT></TD>
    <TD STYLE="padding-left: 12px; border-top: black 0.5pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="padding-left: 12px; text-align: left">Investments in associates and joint ventures</TD>
    <TD STYLE="text-align: right">2,114</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">4,798</TD>
    <TD STYLE="text-align: right">6,912</TD>
    <TD STYLE="text-align: right">531</TD>
    <TD STYLE="text-align: right">7,443</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Fixed assets, net</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">5,781</TD>
    <TD STYLE="text-align: right">1,282</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">7,063</TD>
    <TD STYLE="text-align: right">704</TD>
    <TD STYLE="text-align: right">7,767</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Goodwill and Intangible assets, net</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">8,660</TD>
    <TD STYLE="text-align: right">9,062</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">17,722</TD>
    <TD STYLE="text-align: right">5,392</TD>
    <TD STYLE="text-align: right">23,114</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">1) 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.</TD></TR>
  </TABLE>



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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Result of Non-Current
Assets and Main Services and Products by Geographic Region</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 45%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 9%">Brazil</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 9%">Abroad</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 9%">Total</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 9%">Brazil</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 9%">Abroad</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 9%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid; text-align: justify">Non-current assets</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">26,158</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,807</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">30,965</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">24,808</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,073</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">30,881</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-style: italic; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-style: italic; text-align: justify; background-color: white">&nbsp;</TD>
    <TD STYLE="font-style: italic; text-align: justify; background-color: white">&nbsp;</TD>
    <TD STYLE="font-style: italic; text-align: justify; background-color: white">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-style: italic; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-style: italic; text-align: justify">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400; color: white">0</FONT></TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">07/01 to 09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">07/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400; color: white">0</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Brazil</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Abroad</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Brazil</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Abroad</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Income related to financial operations <SUP>(1,2)</SUP></FONT></TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">54,800</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">11,115</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">65,915</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">43,368</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">10,976</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">54,344</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Income from insurance contracts and private pension <SUP>(3)</SUP></FONT></TD>
    <TD STYLE="text-align: right">1,717</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,717</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,343</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,343</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Comissions and Banking Fees</TD>
    <TD STYLE="text-align: right">10,502</TD>
    <TD STYLE="text-align: right">1,105</TD>
    <TD STYLE="text-align: right">11,607</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">10,202</TD>
    <TD STYLE="text-align: right">1,145</TD>
    <TD STYLE="text-align: right">11,347</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: white; border-top: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400; color: white">0</FONT></TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">01/01 to 09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; background-color: white">Brazil</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; background-color: white">Abroad</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; background-color: white">Total</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; background-color: white">Brazil</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; background-color: white">Abroad</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center; background-color: white">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Income related to interest and similar <SUP>(1,2,3)</SUP></FONT></TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">169,119</FONT></TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">26,104</FONT></TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">195,223</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">124,809</FONT></TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">18,892</FONT></TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">143,701</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Income from insurance contracts and private pension <SUP>(3)</SUP></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,148</FONT></TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,148</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,801</FONT></TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,801</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Commissions and Banking Fees <SUP>(3)</SUP></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">30,363</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,473</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">33,836</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">29,952</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,353</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">33,305</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">1) Includes Interest and similar Income, of Financial Assets and Liabilities at Fair Value through Profit or Loss and Foreign exchange results and exchange variations in foreign transactions.<BR>
2) ITA&Uacute; UNIBANCO HOLDING does not have customers representing 10% or higher of its revenues.<BR>
3) In &quot;Brazil&quot; geographic region the companies headquartered in the country and &quot;Abroad&quot; are considered; the other companies, the amounts consider the already eliminated values.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 31 - Related parties</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Transactions between related parties are
carried out for amounts, terms and average rates in accordance with normal market practices during the period, and under reciprocal conditions.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Transactions between companies and investment
funds, included in consolidation (Note&nbsp;2d I), have been eliminated and do not affect the consolidated statements.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The principal unconsolidated related parties
are as follows:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Ita&uacute;
Unibanco Participa&ccedil;&otilde;es S.A. (IUPAR), Companhia E. Johnston de Participa&ccedil;&otilde;es S.A. (shareholder of IUPAR) and
ITA&Uacute;SA, direct and indirect shareholders of ITA&Uacute; UNIBANCO HOLDING.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>The
associates, non-financial subsidiaries and joint ventures of ITA&Uacute;SA, in particular Dexco S.A., Copagaz &#8211; Distribuidora de
G&aacute;s S.A., Aegea Saneamento e Participa&ccedil;&otilde;es S.A., &Aacute;guas do Rio 1 SPE S.A., &Aacute;guas do Rio 4 SPE S.A.,
Alpargatas S.A.,&nbsp;CCR S.A. and&nbsp;XP Inc., this until 06/30/2023 (Note&nbsp;3).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Investments
in associates and joint ventures, in particular Porto Seguro Ita&uacute; Unibanco Participa&ccedil;&otilde;es S.A. and BSF Holding S.A.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Pension
Plans: Funda&ccedil;&atilde;o Ita&uacute; Unibanco &#8211; Previd&ecirc;ncia Complementar and FUNBEP &#8211; Fundo de Pens&atilde;o Multipatrocinado,
closed-end supplementary pension entities, that administer retirement plans sponsored by ITA&Uacute; UNIBANCO HOLDING, created exclusively
for employees.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Associations:
Associa&ccedil;&atilde;o Cubo Coworking Ita&uacute; &#8211; a partner entity of&nbsp;ITA&Uacute; UNIBANCO HOLDING its purpose is to encourage
and promote the discussion and development of alternative and innovative technologies, business models and solutions; to produce and disseminate
the resulting technical and scientific knowledge; to attract and bring in new information technology talents that may be characterized
as startups; and to research, develop and establish ecosystems for entrepreneur and startups.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Foundations
and Institutes maintained by donations from ITA&Uacute; UNIBANCO HOLDING&nbsp;and by the proceeds generated by their assets, so that they
can accomplish their objectives and to maintain their operational and administrative structure:&nbsp;</P>

<P STYLE="font: 10pt/125% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 15pt; text-align: justify"><B>Funda&ccedil;&atilde;o Ita&uacute;
para a Educa&ccedil;&atilde;o e Cultura </B>&#8211; promotes education, culture, social assistance, defense and guarantee of rights, and
strengthening of civil society.</P>


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<P STYLE="font: 10pt/125% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 15pt; text-align: justify"><B>Instituto Unibanco</B> &#8211; supports
projects focused on social assistance, particularly education, culture, promotion of integration into the labor market, and environmental
protection, directly or as a supplement to civil institutions.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 15pt; text-align: justify"><B>Instituto Unibanco de Cinema </B>&#8211;
promotes culture in general and provides access of low-income population to cinematography, videography and similar productions, for which
it should maintain movie theaters and movie clubs owned or managed by itself to screen films, videos and video-laser discs&nbsp;it owns
and other related activities,&nbsp;as well as to screen and disseminate movies in general, especially those produced in Brazil.</P>

<P STYLE="font: 10pt/125% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 15pt; text-align: justify"><B>Associa&ccedil;&atilde;o Ita&uacute;
Viver Mais</B> &#8211; provides social services for the welfare of beneficiaries, on the terms defined in its Internal Regulations, and
according to the funds available. These services may include the promotion of cultural, educational, sports, entertainment and healthcare
activities.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Transactions with
related parties:</B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Annual rate</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Assets / (Liabilities)</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Revenues / (Expenses)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 0.5pt">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 0.5pt">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 42%">Interbank investments</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 15%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 7%">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 7%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,835</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 7%">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 7%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">63</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 7%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 7%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">184</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,835</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">63</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">184</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Loan operations</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">69</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">668</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">14</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">19</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">48</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Alpargatas S.A.</TD>
    <TD STYLE="text-align: center">12.3% to 19.33%</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">31</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">28</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Dexco S.A.</TD>
    <TD STYLE="text-align: center">12.46% to 19.53%</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">25</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">623</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">14</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">19</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">48</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: center">CDI + 2.2%</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">13</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">17</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Securities and derivative financial instruments (assets and liabilities)</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,481</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,013</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">297</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">358</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">668</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">733</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Investment funds</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">245</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">230</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">14</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">11</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">31</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">33</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">CCR S.A.</TD>
    <TD STYLE="text-align: center">CDI + 1.7% to 4.25% / 9.76%</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,443</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,138</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">86</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">119</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">191</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">119</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Copagaz &ndash; Distribuidora de G&aacute;s S.A.</TD>
    <TD STYLE="text-align: center">CDI + 1.7% to 2.95%</TD>
    <TD STYLE="text-align: right">960</TD>
    <TD STYLE="text-align: right">1,024</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">35</TD>
    <TD STYLE="text-align: right">42</TD>
    <TD STYLE="text-align: right">100</TD>
    <TD STYLE="text-align: right">110</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Ita&uacute;sa S.A.</TD>
    <TD STYLE="text-align: center">CDI + 2% to 2.4%</TD>
    <TD STYLE="text-align: right">1,245</TD>
    <TD STYLE="text-align: right">1,199</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">44</TD>
    <TD STYLE="text-align: right">44</TD>
    <TD STYLE="text-align: right">132</TD>
    <TD STYLE="text-align: right">120</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">&Aacute;guas do Rio 4 SPE S.A.</TD>
    <TD STYLE="text-align: center">CDI + 3.5%</TD>
    <TD STYLE="text-align: right">727</TD>
    <TD STYLE="text-align: right">706</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">37</TD>
    <TD STYLE="text-align: right">38</TD>
    <TD STYLE="text-align: right">102</TD>
    <TD STYLE="text-align: right">137</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">&Aacute;guas do Rio 1 SPE S.A.</TD>
    <TD STYLE="text-align: center">CDI + 3.5%</TD>
    <TD STYLE="text-align: right">344</TD>
    <TD STYLE="text-align: right">272</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">64</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">85</TD>
    <TD STYLE="text-align: right">39</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Alpargatas S.A.</TD>
    <TD STYLE="text-align: center">CDI + 1.35%</TD>
    <TD STYLE="text-align: right">302</TD>
    <TD STYLE="text-align: right">26</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: center">CDI + 1.71% to 3%</TD>
    <TD STYLE="text-align: right">215</TD>
    <TD STYLE="text-align: right">418</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">9</TD>
    <TD STYLE="text-align: right">93</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="text-align: right">175</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Deposits</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(5,986)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,491)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(96)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(113)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(183)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(143)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">CCR S.A.</TD>
    <TD STYLE="text-align: center">98% to 102.5% CDI</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1,260)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,026)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(19)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(45)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(87)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(45)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">&Aacute;guas do Rio 1 SPE S.A.</TD>
    <TD STYLE="text-align: center">100% CDI</TD>
    <TD STYLE="text-align: right">(2,892)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(49)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(49)</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">&Aacute;guas do Rio 4 SPE S.A.</TD>
    <TD STYLE="text-align: center">100% CDI</TD>
    <TD STYLE="text-align: right">(1,699)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(29)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(29)</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: center">100% CDI</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(135)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(465)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(68)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(18)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(98)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Deposits received under securities repurchase agreements</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(153)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(19)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(9)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(12)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(9)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Aegea Saneamento e Participa&ccedil;&otilde;es S.A.</TD>
    <TD STYLE="text-align: center">100% CDI</TD>
    <TD STYLE="text-align: right">(150)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(6)</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: center">100% CDI</TD>
    <TD STYLE="text-align: right">(3)</TD>
    <TD STYLE="text-align: right">(19)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(9)</TD>
    <TD STYLE="text-align: right">(6)</TD>
    <TD STYLE="text-align: right">(9)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Funds from acceptances and issuance of securities</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(20)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(49)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(10)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(4)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(10)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Copagaz &ndash; Distribuidora de G&aacute;s S.A.</TD>
    <TD STYLE="text-align: center">103% CDI</TD>
    <TD STYLE="text-align: right">(20)</TD>
    <TD STYLE="text-align: right">(49)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(3)</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(10)</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(10)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Amounts receivable (payable) / Commissions and/or Other General and Administrative expenses</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(586)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(136)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">4</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(27)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(59)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(47)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Funda&ccedil;&atilde;o Ita&uacute; Unibanco - Previd&ecirc;ncia Complementar</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(97)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(81)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">12</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">11</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">29</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">26</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Ol&iacute;mpia Promo&ccedil;&atilde;o e Servi&ccedil;os S.A.</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(4)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(4)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(12)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(15)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(39)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(45)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">FUNBEP - Fundo de Pens&atilde;o Multipatrocinado</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(837)</TD>
    <TD STYLE="text-align: right">(196)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(6)</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(54)</TD>
    <TD STYLE="text-align: right">(15)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Ita&uacute;sa S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(8)</TD>
    <TD STYLE="text-align: right">(20)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD STYLE="text-align: right">10</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">ConectCar Solu&ccedil;&otilde;es de Mobilidade Eletr&ocirc;nica S.A.</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(13)</TD>
    <TD STYLE="text-align: right">(5)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(26)</TD>
    <TD STYLE="text-align: right">(12)</TD>
    <TD STYLE="text-align: right">(26)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">373</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">170</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Rent</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(8)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(9)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(24)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(25)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Funda&ccedil;&atilde;o Ita&uacute; Unibanco - Previd&ecirc;ncia Complementar</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(8)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(8)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(23)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(23)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">FUNBEP - Fundo de Pens&atilde;o Multipatrocinado</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(1)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Sponsorship</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">19</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">28</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(3)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(7)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(12)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(19)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; border-bottom: black 1pt solid">Associa&ccedil;&atilde;o Cubo Coworking Ita&uacute;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">19</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">28</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(7)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(12)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(19)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B> </B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Operations with Key Management Personnel
of&nbsp;ITA&Uacute; UNIBANCO HOLDING present Assets of R$ 183, Liabilities of&nbsp;R$ (6,883) and Results of&nbsp;R$ (9) (R$ 162,&nbsp;R$
(6,427)&nbsp;at&nbsp;12/31/2022&nbsp;and&nbsp;R$ (40) from 01/01 to 09/30/2022, respectively).</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Compensation and Benefits
of Key Management Personnel</B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="text-align: justify">Compensation and benefits attributed to Managers Members, members of the Audit Committee and the Board of Directors of ITA&Uacute; UNIBANCO HOLDING in the period correspond to:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 52%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 12%">07/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 12%">07/01 to 09/30/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 12%">01/01 to 09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 12%">01/01 to 09/30/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">Fees</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">(157)</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">(142)</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">(534)</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">(462)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Profit sharing</TD>
    <TD STYLE="text-align: right">(62)</TD>
    <TD STYLE="text-align: right">(60)</TD>
    <TD STYLE="text-align: right">(202)</TD>
    <TD STYLE="text-align: right">(181)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Post-employment benefits</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(1)</TD>
    <TD STYLE="text-align: right">(5)</TD>
    <TD STYLE="text-align: right">(4)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Share-based payment plan</TD>
    <TD STYLE="text-align: right">(57)</TD>
    <TD STYLE="text-align: right">(46)</TD>
    <TD STYLE="text-align: right">(135)</TD>
    <TD STYLE="text-align: right">(87)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(277)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(249)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(876)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">(734)</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"> </P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 20pt; text-align: justify">Total amount related to share-based payment
plans, personnel expenses and post-employment benefits is detailed in Notes&nbsp;20,&nbsp;23&nbsp;and&nbsp;26,&nbsp;respectively.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 32 - Risk and Capital
Management</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Corporate Governance</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;invests
in robust risk management processes and capital management that are the basis for its strategic decisions to ensure business sustainability
and maximize shareholder value creation.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">These processes are aligned with the guidelines
of the Board of Directors and Executive which, through collegiate bodies, define the global objectives expressed as targets and limits
for the business units that manage risk. Control and capital management units, in turn, support&nbsp;ITA&Uacute; UNIBANCO HOLDING&#8217;s
management by monitoring and analyzing risk and capital.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Board of Directors is the main body
responsible for establishing guidelines, policies and approval levels for risk and capital management. The Capital and Risk Management
Committee (CGRC), in turn, is responsible for supporting the Board of Directors in managing capital and risk. At the executive level,
collegiate bodies, presided over by the Chief Executive Officer (CEO) of&nbsp;ITA&Uacute; UNIBANCO HOLDING, are responsible for capital
and risk management, and their decisions are monitored by the CGRC.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Additionally,&nbsp;ITA&Uacute; UNIBANCO
HOLDING has collegiate bodies with capital and risk management responsibilities delegated to them, under the responsibility of the CRO
(Chief Risk Officer). To support this structure, the Risk Department has departments to ensure, on an independent and centralized basis,
that the institution&#8217;s risks and capital are managed in compliance with the defined policies and procedures.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING's management
model is made up of:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>
1st line of defense: business areas, which have primary responsibility for managing the risk they originate.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>
2nd line of defense: risk area, which ensures that risks are managed and are supported by risk management principles (risk appetite, policies,
procedures and dissemination of the risk culture in the business).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>3rd
line of defense: internal audit, which is linked to the Board of Directors and makes an independent assessment of the activities developed
by the other areas.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) Risk Management</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>Risk Appetite</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The risk appetite of&nbsp;ITA&Uacute; UNIBANCO
HOLDING is based on the Board of Director&#8217;s statement:&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><I>&#8220;We are a universal bank, operating
predominantly in Latin America. Supported by our risk culture, we operate based on rigorous ethical and regulatory compliance standards,
seeking high and growing results, with low volatility, by means of the long-lasting relationship with clients, correctly pricing risks,
well-distributed fund-raising and proper use of capital.&#8221;</I></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Based on this statement, six dimensions
have been defined, each dimension consists of a set of metrics associated with the main risks involved, combining supplementary measurement
methods, to give a comprehensive vision of our exposure.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Board of Directors is responsible for
approving guidelines and limits for risk appetite, with the support of CGRC and the CRO.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The limits for risk appetite are monitored
regularly and reported to risk committees and to the Board of Directors, which will oversee the preventive measures to be taken to ensure
that exposure is aligned with the strategies of&nbsp;ITA&Uacute; UNIBANCO HOLDING.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Foremost among processes for proper risk
and capital management are the Risk Appetite Statement (RAS) and the implementation of a continuous, integrated risk management structure,
the stress test program, the establishment of a Risk Committee, and the nomination at BACEN of a Chief Risk Officer (CRO), with roles
and responsibilities assigned, and requirements for independence.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The six dimensions of risk appetite are:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Capitalization:&nbsp;</B>establishes
that&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;must have capital sufficient to face any serious recession period or a stress event without
the need to adjust its capital structure under unfavorable circumstances. It is monitored by tracking ITA&Uacute; UNIBANCO HOLDING&#8217;s
capital ratios, both in normal and stress scenarios, and of the ratings of the institution's debt issues.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Liquidity:</B>
establishes that the liquidity of&nbsp;ITA&Uacute; UNIBANCO HOLDING must withstand long periods of stress. It is monitored by tracking
liquidity indicators.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Composition
of results:</B> establishes that business will mainly focus on Latin America, where Ita&uacute; Unibanco will have a diversified range
of customers and products, with low appetite for results volatility and high risk. This dimension includes business and profitability,
as well as market risk and IRRBB, underwriting and credit risk, including social, environmental and climate dimensions. The metrics monitored
by the bank seek to ensure, by means of exposure concentration limits such as, for example, industry sectors, quality of counterparties,
countries and geographic regions and risk factors, a suitable composition of the bank&#8217;s portfolios, aiming at low volatility of
results and business sustainability.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Operational
risk:&nbsp;</B>focuses on the control of operating risk events that may adversely impact business and operating strategy, and involves
monitoring the main operational risk events and losses incurred.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Reputation:&nbsp;</B>addresses
risks that may impact the institution&#8217;s brand value and reputation with customers, employees, regulatory bodies, investors and the
general public. The risk monitoring in this dimension is carried in addition to monitoring the institution&#8217;s conduct.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%"><B>&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</B></FONT><B>Customer:</B>
addresses risks that may compromise customer satisfaction and experience, and is monitored by tracking customer satisfaction, direct impacts
on customers and suitability indicators.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Risk appetite, risk management and guidelines
for employees of&nbsp;ITA&Uacute; UNIBANCO HOLDING for routine decision-making purposes are based on:&nbsp;</P>


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<P STYLE="font: 15pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Sustainability
and customer satisfaction: </B>ITA&Uacute; UNIBANCO HOLDING's vision is to be the leading bank in sustainable performance and customer
satisfaction and, accordingly, it is committed to creating shared value for staff, customers, stockholders and society, ensuring the continuity
of the business. ITA&Uacute; UNIBANCO HOLDING is committed to doing business that is good both for the customer and the institution itself.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Risk
culture:</B>&nbsp;ITA&Uacute; UNIBANCO HOLDING&#8217;s risk culture goes beyond policies, procedures or processes, reinforcing the individual
and collective responsibility of all employees so that they will do the right thing at the right time and in the proper manner, respecting
the ethical way of doing business.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Risk
pricing:&nbsp;</B>ITA&Uacute; UNIBANCO HOLDING&nbsp;&#8217;s operates and assumes risks in businesses that it knows and understands, avoids
the ones that are unknown or that do not provide competitive advantages, and carefully assesses risk-return ratios.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Diversification:</B>&nbsp;ITA&Uacute;
UNIBANCO HOLDING has little appetite for volatility in earnings, and it therefore operates with a diverse base of customers, products
and business, seeking to diversify risks and giving priority to lower risk business.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Operational
excellence:</B> It is the wish of ITA&Uacute; UNIBANCO HOLDING&nbsp;to be an agile bank, with a robust and stable infrastructure enabling
us to offer top quality services.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Ethics
and respect for regulations: </B>for&nbsp;ITA&Uacute; UNIBANCO HOLDING, ethics is non-negotiable, and it therefore promotes an institutional
environment of integrity, encouraging staff to cultivate ethics in relationships and business and to respect the rules, thus caring for
the institution&#8217;s reputation.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;has various
ways of disseminating risk culture, based on four principles: conscious risk-taking, discussion of the risks the institution faces, the
corresponding action taken, and the responsibility of everyone for managing risk.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">These principles serve as a basis for ITA&Uacute;
UNIBANCO HOLDING guidelines, helping employees to conscientiously understand, identify, measure, manage and mitigate risks.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>I - Credit risk</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The possibility of losses arising from failure
by a borrower, issuer or counterparty to meet their financial obligations, the impairment of a loan due to downgrading of the risk rating
of the borrower, the issuer or the counterparty, a decrease in earnings or remuneration, advantages conceded on renegotiation or the costs
of recovery.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">There is a credit risk control and management
structure, centralized and independent from the business units, that provides for operating limits and risk mitigation mechanisms, and
also establishes processes and tools to measure, monitor and control the credit risk inherent in all products, portfolio concentrations
and impacts of potential changes in the economic environment.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The credit policy of&nbsp;ITA&Uacute; UNIBANCO
HOLDING&nbsp;is based on internal criteria such as: classification of customers, portfolio performance and changes, default levels, rate
of return and economic capital allocated, among others, and also take into account external factors such as interest rates, market default
indicators, inflation, changes in consumption, and so on.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For personal customers and small and middle-market
companies, credit rating is based on statistical application models (at the early stages of the relationship with a customer) and behavior
score (used for customers with which&nbsp;ITA&Uacute; UNIBANCO HOLDING already has a relationship).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For large companies, the rating is based
on information such as economic and financial condition of the counterparty, their cash-generating capability, the economic group to which
they belong, and the current and prospective situation of the economic sector in which they operate,&nbsp;in accordance with the guidelines
of the Sustainability and Social and Environmental Responsibility Policy (PRSA) and specific manuals and procedures of&nbsp;ITA&Uacute;
UNIBANCO HOLDING.&nbsp;Credit proposals are analyzed on a case by case basis, through an approval-level mechanism.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING strictly controls
the credit exposure of customers and counterparties, taking action to address situations in which the current exposure exceeds what is
desirable. For this purpose, measures provided for in loan agreements are available, such as accelerated maturity or a requirement for
additional collateral.&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>I.I - Collateral and policies for mitigating
credit risk</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;uses guarantees
to increase its capacity for recovery in operations exposed to credit risk. The guarantees may be personal, secured, legal structures
with mitigating power and offset agreements.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For collateral to be considered instruments
that mitigate credit risk, it must comply with the requirements and standards that regulate such instruments, both internal and external
ones, and they must be legally valid (effective), enforceable, and assessed on a regular basis.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;also uses
credit derivatives, to mitigate credit risk of its portfolios of loans and securities. These instruments are priced based on models that
use the fair value of market inputs, such as credit spreads, recovery rates, correlations and interest rates.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>I.II - Policy for Provisioning and Economic
Scenarios</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Both the credit risk and the finance areas
are responsible for defining the methods used to measure expected loan losses and for periodically assessing changes in the provision
amounts.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">These areas monitor the trends observed
in provisions for expected credit losses by segment, in addition to establishing an initial understanding of the variables that may trigger
changes in the allowance for loan losses, the probability of default (PD) or the loss given default (LGD).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Once the trends have been identified and
an initial assessment of the variables has been made at the corporate level, the business areas are responsible for further analyzing
these trends in more detail and for each segment, in order to understand the underlying reasons for the trends and to decide whether changes
are required in credit policies.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Provisions for expected losses take into
account the expected risk linked to contracts with similar characteristics and in anticipation of signs of deterioration, over a loss
horizon suitable for the remaining period of the contract to maturity. For contracts of products with no determined termination date,
average results of deterioration and default are used to determine the loss horizon.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Additionally, information on economic scenarios
and public data with internal projections are used to determine and adjust the expected credit loss in line with expected macroeconomic
realities.</P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="color: #EC7000; font-weight: bold">Sensitivity analysis</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="11" STYLE="text-align: justify">ITA&Uacute; UNIBANCO HOLDING prepares studies on the impact of estimates in the calculation of expected credit loss. The expected loss models use three different scenarios: Optimistic, Base and Pessimistic. In Brazil, where operations are substantially carried out, these scenarios are combined by weighting their probabilities: 10%, 50% and 40%, respectively, which are updated so as to reflect the new economic conditions. For loan portfolios originated in other countries, the scenarios are weighted by different probabilities, considering regional economic aspects and conditions.</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="11" STYLE="text-align: justify">The table below shows the amount of financial assets at amortized cost and at fair value through other comprehensive income, expected loss and the impacts on the calculation of expected credit loss in the adoption of 100% of each scenario:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Financial&nbsp;&nbsp;&nbsp;&nbsp;Assets <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Expected&nbsp;&nbsp;&nbsp;&nbsp;Loss</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Reduction/(Increase) of Expected Loss</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Financial&nbsp;&nbsp;&nbsp;&nbsp;Assets <SUP>(1)</SUP></FONT></TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Expected&nbsp;&nbsp;&nbsp;&nbsp;Loss</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Reduction/(Increase) of Expected Loss</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Pessimistic scenario</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Base scenario</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Optimistic scenario</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Pessimistic scenario</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Base scenario</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Optimistic scenario</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; width: 15%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,304,161</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(56,265)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; width: 10%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(382)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">158</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">567</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; width: 11%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,256,752</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(54,476)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(530)</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">198</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: right; width: 9%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">530</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="11" STYLE="font-size: 9pt; text-align: justify">1) Composed of Loan operations, lease operations and securities.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Expected loss comprises Expected credit
loss for Financial guarantees R$ (745) (R$ (810) at 12/31/2022) and Loan commitments R$ (3,190) (R$ (2,874) at 12/31/2022).&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>I.III -&nbsp;Classification of Stages of Credit
Impairment</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;uses customers&#8217;
internal information, statistic models, days of default and quantitative analysis in order to determine the credit status of portfolio
agreements.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Rules for changing stages take into account:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Stage
1 to stage 2:</B> delay or evaluation of&nbsp;probability of default (PD) triggers.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For Retail market portfolios,&nbsp;ITA&Uacute;
UNIBANCO HOLDING&nbsp;classifies loan agreements which are over 30 days overdue in stage 2, except payroll loans for government agency,
for which the figure is 45 days,&nbsp;due to the dynamics of payment for transfer of the product.&nbsp;For agreements with delay less
than 30 days, the migration to stage 2 occurs if the financial asset exceeds the allowance for loan losses established by the risk appetite
approved by ITA&Uacute; UNIBANCO HOLDING&#8217;s Management for each portfolio, whereas the others remain in stage 1.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For the Wholesale business portfolio, information
on arrears is taken into account when assessing the counterparty rating.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT><B>Stage
3:</B> default parameters are used to identify stage 3: 90 days without payment noted, except for the mortgage loan portfolio, which are
considered 180 days; debt restructuring; filing for bankruptcy; loss; and court-supervised recovery. The financial asset, at any stage,
can migrate to stage 3 when showing default parameters.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Information on days of delay, used on an
absolute basis, is one important factor for the classification of stages, and after a certain credit status has been defined for an agreement,
it is classified in one of the three stages of credit deterioration. Based on this classification, rules for measuring expected credit
loss in each stage are used, as described in Note&nbsp;2d IV.</P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="8" STYLE="color: #EC7000; font-weight: bold">I.IV - Maximum Exposure of Financial Assets to Credit Risk</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="border-bottom: black 0.5pt solid; width: 51%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Brazil</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Abroad</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Total</TD>
    <TD STYLE="text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Brazil</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Abroad</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 8%">Total</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="font-weight: bold">Financial&nbsp;&nbsp;Assets</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,741,272</TD>
    <TD STYLE="font-weight: bold; text-align: right">462,651</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,203,923</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,543,194</TD>
    <TD STYLE="font-weight: bold; text-align: right">511,277</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,054,471</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 12px; font-weight: bold">At Amortized Cost</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,219,561</TD>
    <TD STYLE="font-weight: bold; text-align: right">319,206</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,538,767</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,112,594</TD>
    <TD STYLE="font-weight: bold; text-align: right">350,447</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,463,041</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px">Interbank deposits</TD>
    <TD STYLE="text-align: right">20,914</TD>
    <TD STYLE="text-align: right">25,017</TD>
    <TD STYLE="text-align: right">45,931</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">18,955</TD>
    <TD STYLE="text-align: right">40,637</TD>
    <TD STYLE="text-align: right">59,592</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px">Securities purchased under&nbsp;&nbsp;agreements to resell</TD>
    <TD STYLE="text-align: right">267,365</TD>
    <TD STYLE="text-align: right">2,386</TD>
    <TD STYLE="text-align: right">269,751</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">218,339</TD>
    <TD STYLE="text-align: right">3,440</TD>
    <TD STYLE="text-align: right">221,779</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px">Securities</TD>
    <TD STYLE="text-align: right">227,048</TD>
    <TD STYLE="text-align: right">26,467</TD>
    <TD STYLE="text-align: right">253,515</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">185,658</TD>
    <TD STYLE="text-align: right">27,368</TD>
    <TD STYLE="text-align: right">213,026</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px; text-align: justify">Loan and lease operations</TD>
    <TD STYLE="text-align: right">649,201</TD>
    <TD STYLE="text-align: right">256,603</TD>
    <TD STYLE="text-align: right">905,804</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">636,836</TD>
    <TD STYLE="text-align: right">272,586</TD>
    <TD STYLE="text-align: right">909,422</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px">Other financial assets</TD>
    <TD STYLE="text-align: right">100,363</TD>
    <TD STYLE="text-align: right">15,600</TD>
    <TD STYLE="text-align: right">115,963</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">96,081</TD>
    <TD STYLE="text-align: right">13,828</TD>
    <TD STYLE="text-align: right">109,909</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px; text-align: justify">(-) Provision for Expected&nbsp;&nbsp;Loss</TD>
    <TD STYLE="text-align: right">(45,330)</TD>
    <TD STYLE="text-align: right">(6,867)</TD>
    <TD STYLE="text-align: right">(52,197)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(43,275)</TD>
    <TD STYLE="text-align: right">(7,412)</TD>
    <TD STYLE="text-align: right">(50,687)</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 12px; font-weight: bold">At Fair Value Through Other&nbsp;&nbsp;Comprehensive Income</TD>
    <TD STYLE="font-weight: bold; text-align: right">63,159</TD>
    <TD STYLE="font-weight: bold; text-align: right">77,263</TD>
    <TD STYLE="font-weight: bold; text-align: right">140,422</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">54,134</TD>
    <TD STYLE="font-weight: bold; text-align: right">72,614</TD>
    <TD STYLE="font-weight: bold; text-align: right">126,748</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px">Securities</TD>
    <TD STYLE="text-align: right">63,159</TD>
    <TD STYLE="text-align: right">77,263</TD>
    <TD STYLE="text-align: right">140,422</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">54,134</TD>
    <TD STYLE="text-align: right">72,614</TD>
    <TD STYLE="text-align: right">126,748</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 12px; font-weight: bold">At Fair Value Through Profit&nbsp;&nbsp;or Loss</TD>
    <TD STYLE="font-weight: bold; text-align: right">458,552</TD>
    <TD STYLE="font-weight: bold; text-align: right">66,182</TD>
    <TD STYLE="font-weight: bold; text-align: right">524,734</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">376,466</TD>
    <TD STYLE="font-weight: bold; text-align: right">88,216</TD>
    <TD STYLE="font-weight: bold; text-align: right">464,682</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px; text-align: justify">Securities</TD>
    <TD STYLE="text-align: right">441,422</TD>
    <TD STYLE="text-align: right">13,216</TD>
    <TD STYLE="text-align: right">454,638</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">364,039</TD>
    <TD STYLE="text-align: right">21,060</TD>
    <TD STYLE="text-align: right">385,099</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px">Derivatives</TD>
    <TD STYLE="text-align: right">15,515</TD>
    <TD STYLE="text-align: right">52,966</TD>
    <TD STYLE="text-align: right">68,481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">11,052</TD>
    <TD STYLE="text-align: right">67,156</TD>
    <TD STYLE="text-align: right">78,208</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px">Other financial assets</TD>
    <TD STYLE="text-align: right">1,615</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,615</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,375</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,375</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="font-weight: bold; text-align: left">Financial liabilities -&nbsp;&nbsp;provision for expected loss</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,355</TD>
    <TD STYLE="font-weight: bold; text-align: right">580</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,935</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,040</TD>
    <TD STYLE="font-weight: bold; text-align: right">644</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,684</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 12px; text-align: left">Loan Commitments</TD>
    <TD STYLE="text-align: right">2,941</TD>
    <TD STYLE="text-align: right">249</TD>
    <TD STYLE="text-align: right">3,190</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,622</TD>
    <TD STYLE="text-align: right">252</TD>
    <TD STYLE="text-align: right">2,874</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 12px">Financial Guarantees</TD>
    <TD STYLE="text-align: right">414</TD>
    <TD STYLE="text-align: right">331</TD>
    <TD STYLE="text-align: right">745</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">418</TD>
    <TD STYLE="text-align: right">392</TD>
    <TD STYLE="text-align: right">810</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="font-weight: bold; text-align: left">Off balance sheet</TD>
    <TD STYLE="font-weight: bold; text-align: right">484,461</TD>
    <TD STYLE="font-weight: bold; text-align: right">68,859</TD>
    <TD STYLE="font-weight: bold; text-align: right">553,320</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">472,372</TD>
    <TD STYLE="font-weight: bold; text-align: right">72,005</TD>
    <TD STYLE="font-weight: bold; text-align: right">544,377</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 12px; text-align: left">Financial Guarantees</TD>
    <TD STYLE="text-align: right">75,788</TD>
    <TD STYLE="text-align: right">19,151</TD>
    <TD STYLE="text-align: right">94,939</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">71,524</TD>
    <TD STYLE="text-align: right">20,255</TD>
    <TD STYLE="text-align: right">91,779</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 12px; text-align: left">Letters of credit to be&nbsp;&nbsp;released</TD>
    <TD STYLE="text-align: right">21,274</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">21,274</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">47,354</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">47,354</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 12px; font-weight: bold; text-align: left">Loan commitments</TD>
    <TD STYLE="font-weight: bold; text-align: right">387,399</TD>
    <TD STYLE="font-weight: bold; text-align: right">49,708</TD>
    <TD STYLE="font-weight: bold; text-align: right">437,107</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">353,494</TD>
    <TD STYLE="font-weight: bold; text-align: right">51,750</TD>
    <TD STYLE="font-weight: bold; text-align: right">405,244</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px; text-align: left">Mortgage loans</TD>
    <TD STYLE="text-align: right">13,442</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">13,442</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">15,423</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">15,423</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px; text-align: left">Overdraft accounts</TD>
    <TD STYLE="text-align: right">169,491</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">169,491</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">157,408</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">157,408</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px; text-align: left">Credit cards</TD>
    <TD STYLE="text-align: right">200,964</TD>
    <TD STYLE="text-align: right">3,487</TD>
    <TD STYLE="text-align: right">204,451</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">177,658</TD>
    <TD STYLE="text-align: right">3,754</TD>
    <TD STYLE="text-align: right">181,412</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="padding-left: 24px; border-bottom: black 0.5pt solid; text-align: left">Other pre-approved limits</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">3,502</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">46,221</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">49,723</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">3,005</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">47,996</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">51,001</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="font-weight: bold">Total</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,222,378</TD>
    <TD STYLE="font-weight: bold; text-align: right">530,930</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,753,308</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,012,526</TD>
    <TD STYLE="font-weight: bold; text-align: right">582,638</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,595,164</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="8" STYLE="border-top: black 0.5pt solid; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Amounts shown for credit risk exposure are based on gross book value and do not take into account any collateral received or other added credit improvements.</FONT></TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="8" STYLE="text-align: justify">The contractual amounts of financial guarantees and letters of credit cards represent the maximum potential of credit risk in the event that a counterparty does not meet the terms of the agreement. The vast majority of loan commitments (mortgage loans, overdraft accounts and other pre-approved limits) mature without being drawn, since they are renewed monthly and can be cancelled unilaterally.</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="8" STYLE="text-align: justify">As a result, the total contractual amount does not represent our real future exposure to credit risk or the liquidity needs arising from such commitments.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #EC7000; font-weight: bold; width: 52%">I.IV.I - By business sector</TD>
    <TD STYLE="font-weight: bold; width: 16%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; width: 16%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; width: 8%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #EC7000; font-weight: bold">Loans and Financial Lease Operations</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">%</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-align: left">Industry and commerce</TD>
    <TD STYLE="vertical-align: middle; text-align: right">191,794</TD>
    <TD STYLE="vertical-align: middle; text-align: right">21.2%</TD>
    <TD STYLE="vertical-align: middle; text-align: right">197,351</TD>
    <TD STYLE="vertical-align: middle; text-align: right">21.7%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-align: left">Services</TD>
    <TD STYLE="vertical-align: middle; text-align: right">178,916</TD>
    <TD STYLE="vertical-align: middle; text-align: right">19.7%</TD>
    <TD STYLE="vertical-align: middle; text-align: right">177,180</TD>
    <TD STYLE="vertical-align: middle; text-align: right">19.5%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-align: left">Other sectors</TD>
    <TD STYLE="vertical-align: middle; text-align: right">38,232</TD>
    <TD STYLE="vertical-align: middle; text-align: right">4.2%</TD>
    <TD STYLE="vertical-align: middle; text-align: right">37,072</TD>
    <TD STYLE="vertical-align: middle; text-align: right">4.1%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: black 0.5pt solid; text-align: left">Individuals</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid; text-align: right">496,862</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid; text-align: right">54.9%</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid; text-align: right">497,819</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid; text-align: right">54.7%</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: top; border-bottom: black 1pt solid; text-align: left">Total</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 1pt solid; text-align: right">905,804</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 1pt solid; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 1pt solid; text-align: right">909,422</TD>
    <TD STYLE="font-weight: bold; vertical-align: middle; border-bottom: black 1pt solid; text-align: right">100.0%</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="color: #EC7000; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700; color: #EC7000">Other financial assets <SUP>(1)</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left; width: 50%">&nbsp;</TD>
    <TD STYLE="width: 17%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 8%">&nbsp;</TD>
    <TD STYLE="width: 17%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 8%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">%</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-align: left">Public sector</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">820,115</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">66.6%</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">691,371</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">63.8%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-align: left">Services</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">163,558</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">13.3%</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">167,176</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">15.4%</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-align: left">Other sectors</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">152,415</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">12.3%</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">119,436</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right">11.0%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: left">Financial</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">96,650</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">7.8%</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">106,469</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">9.8%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: left">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,232,738</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,084,452</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">100.0%</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="font-size: 9pt; text-align: justify">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.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 9pt; font-style: italic; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; font-style: italic; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; font-style: italic; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; font-style: italic; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 9pt; font-style: italic; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="5" STYLE="text-align: justify">The exposure of Off Balance financial instruments (Financial Guarantees and Loan Commitments) is neither categorized nor managed by business sector.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="21" STYLE="color: #EC7000; font-weight: bold">I.IV.II - By type and classification of credit risk</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="21" STYLE="color: #EC7000; font-weight: bold">Loan and lease operations</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="19" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; text-align: center; background-color: white">Stage 1</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; text-align: center; background-color: white">Stage 2</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; text-align: center; background-color: white">Stage 3</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; text-align: center; background-color: white">Total Consolidated of 3 Stages</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 9%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 4%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 4%">Loan&nbsp;&nbsp;Operations</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 12%">Loan commitments</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 5%">Financial Guarantees</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 5%">Total</TD>
    <TD STYLE="font-weight: bold; background-color: white; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 4%">Loan Operations</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 6%">Loan commitments</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 5%">Financial Guarantees</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 4%">Total</TD>
    <TD STYLE="font-weight: bold; background-color: white; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 4%">Loan Operations</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 6%">Loan commitments</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 5%">Financial Guarantees</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 4%">Total</TD>
    <TD STYLE="font-weight: bold; background-color: white; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 4%">Loan Operations</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 6%">Loan commitments</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 5%">Financial Guarantees</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 5%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Individuals</TD>
    <TD STYLE="text-align: right; background-color: white">314,331</TD>
    <TD STYLE="text-align: right; background-color: white">259,477</TD>
    <TD STYLE="text-align: right; background-color: white">458</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">574,266</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">57,037</TD>
    <TD STYLE="text-align: right; background-color: white">8,105</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">65,142</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">38,558</TD>
    <TD STYLE="text-align: right; background-color: white">170</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">38,728</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">409,926</TD>
    <TD STYLE="text-align: right; background-color: white">267,752</TD>
    <TD STYLE="text-align: right; background-color: white">458</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">678,136</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Corporate</TD>
    <TD STYLE="text-align: right; background-color: white">131,896</TD>
    <TD STYLE="text-align: right; background-color: white">27,476</TD>
    <TD STYLE="text-align: right; background-color: white">64,190</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">223,562</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">489</TD>
    <TD STYLE="text-align: right; background-color: white">31</TD>
    <TD STYLE="text-align: right; background-color: white">438</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">958</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">4,980</TD>
    <TD STYLE="text-align: right; background-color: white">25</TD>
    <TD STYLE="text-align: right; background-color: white">2,619</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">7,624</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">137,365</TD>
    <TD STYLE="text-align: right; background-color: white">27,532</TD>
    <TD STYLE="text-align: right; background-color: white">67,247</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">232,144</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Micro/Small and medium companies</TD>
    <TD STYLE="text-align: right; background-color: white">141,149</TD>
    <TD STYLE="text-align: right; background-color: white">95,496</TD>
    <TD STYLE="text-align: right; background-color: white">9,806</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">246,451</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">13,688</TD>
    <TD STYLE="text-align: right; background-color: white">1,153</TD>
    <TD STYLE="text-align: right; background-color: white">140</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">14,981</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">11,278</TD>
    <TD STYLE="text-align: right; background-color: white">142</TD>
    <TD STYLE="text-align: right; background-color: white">196</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">11,616</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">166,115</TD>
    <TD STYLE="text-align: right; background-color: white">96,791</TD>
    <TD STYLE="text-align: right; background-color: white">10,142</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">273,048</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2">Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right; background-color: white">170,775</TD>
    <TD STYLE="text-align: right; background-color: white">43,211</TD>
    <TD STYLE="text-align: right; background-color: white">15,853</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">229,839</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">12,260</TD>
    <TD STYLE="text-align: right; background-color: white">1,720</TD>
    <TD STYLE="text-align: right; background-color: white">1,139</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">15,119</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">9,363</TD>
    <TD STYLE="text-align: right; background-color: white">101</TD>
    <TD STYLE="text-align: right; background-color: white">100</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">9,564</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">192,398</TD>
    <TD STYLE="text-align: right; background-color: white">45,032</TD>
    <TD STYLE="text-align: right; background-color: white">17,092</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">254,522</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">758,151</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">425,660</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">90,307</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">1,274,118</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">83,474</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">11,009</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">1,717</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">96,200</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">64,179</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">438</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">2,915</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">67,532</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">905,804</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">437,107</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">94,939</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white">1,437,850</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 1pt solid">%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">59.5%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">33.4%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">7.1%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">100.0%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">86.8%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">11.4%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">1.8%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">100.0%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">95.0%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">0.7%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">4.3%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">100.0%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">63.0%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">30.4%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">6.6%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white">100.0%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="19" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; text-align: center">Stage 1</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; text-align: center">Stage 2</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; text-align: center">Stage 3</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; text-align: center">Total Consolidated of 3 Stages</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Loan Operations</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Loan commitments</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Financial Guarantees</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Loan Operations</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Loan commitments</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Financial Guarantees</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Loan Operations</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Loan commitments</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Financial Guarantees</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Loan Operations</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Loan commitments</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Financial Guarantees</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2">Individuals</TD>
    <TD STYLE="text-align: right">305,210</TD>
    <TD STYLE="text-align: right">233,996</TD>
    <TD STYLE="text-align: right">511</TD>
    <TD STYLE="font-weight: bold; text-align: right">539,717</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">59,639</TD>
    <TD STYLE="text-align: right">8,538</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="font-weight: bold; text-align: right">68,178</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">35,254</TD>
    <TD STYLE="text-align: right">226</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">35,480</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">400,103</TD>
    <TD STYLE="text-align: right">242,760</TD>
    <TD STYLE="text-align: right">512</TD>
    <TD STYLE="font-weight: bold; text-align: right">643,375</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2">Corporate</TD>
    <TD STYLE="text-align: right">133,205</TD>
    <TD STYLE="text-align: right">29,853</TD>
    <TD STYLE="text-align: right">60,209</TD>
    <TD STYLE="font-weight: bold; text-align: right">223,267</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">901</TD>
    <TD STYLE="text-align: right">32</TD>
    <TD STYLE="text-align: right">444</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,377</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">5,162</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD STYLE="text-align: right">2,551</TD>
    <TD STYLE="font-weight: bold; text-align: right">7,724</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">139,268</TD>
    <TD STYLE="text-align: right">29,896</TD>
    <TD STYLE="text-align: right">63,204</TD>
    <TD STYLE="font-weight: bold; text-align: right">232,368</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2">Micro/Small and medium companies</TD>
    <TD STYLE="text-align: right">142,621</TD>
    <TD STYLE="text-align: right">84,619</TD>
    <TD STYLE="text-align: right">9,520</TD>
    <TD STYLE="font-weight: bold; text-align: right">236,760</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">12,299</TD>
    <TD STYLE="text-align: right">1,494</TD>
    <TD STYLE="text-align: right">115</TD>
    <TD STYLE="font-weight: bold; text-align: right">13,908</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">9,976</TD>
    <TD STYLE="text-align: right">265</TD>
    <TD STYLE="text-align: right">123</TD>
    <TD STYLE="font-weight: bold; text-align: right">10,364</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">164,896</TD>
    <TD STYLE="text-align: right">86,378</TD>
    <TD STYLE="text-align: right">9,758</TD>
    <TD STYLE="font-weight: bold; text-align: right">261,032</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2">Foreign loans - Latin America</TD>
    <TD STYLE="text-align: right">182,516</TD>
    <TD STYLE="text-align: right">44,542</TD>
    <TD STYLE="text-align: right">16,912</TD>
    <TD STYLE="font-weight: bold; text-align: right">243,970</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">13,863</TD>
    <TD STYLE="text-align: right">1,544</TD>
    <TD STYLE="text-align: right">1,279</TD>
    <TD STYLE="font-weight: bold; text-align: right">16,686</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">8,776</TD>
    <TD STYLE="text-align: right">124</TD>
    <TD STYLE="text-align: right">114</TD>
    <TD STYLE="font-weight: bold; text-align: right">9,014</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">205,155</TD>
    <TD STYLE="text-align: right">46,210</TD>
    <TD STYLE="text-align: right">18,305</TD>
    <TD STYLE="font-weight: bold; text-align: right">269,670</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">763,552</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">393,010</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">87,152</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">1,243,714</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">86,702</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">11,608</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">1,839</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">100,149</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">59,168</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">626</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">2,788</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">62,582</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">909,422</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">405,244</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">91,779</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">1,406,445</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 1pt solid">%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">61.4%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">31.6%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">7.0%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">86.6%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">11.6%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1.8%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">94.5%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1.0%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">4.5%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">100.0%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">64.7%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">28.8%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">6.5%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">100.0%</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Internal rating</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Stage 1</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Stage 2</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Stage 3</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Total loan operations</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Stage 1</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Stage 2</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Stage 3</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total loan operations</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 30%">Low</TD>
    <TD STYLE="text-align: right; background-color: white; width: 8%">705,198</TD>
    <TD STYLE="text-align: right; background-color: white; width: 8%">59,484</TD>
    <TD STYLE="text-align: right; background-color: white; width: 8%">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white; width: 9%">764,682</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 9%">705,625</TD>
    <TD STYLE="text-align: right; width: 9%">62,501</TD>
    <TD STYLE="text-align: right; width: 9%">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">768,126</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Medium</TD>
    <TD STYLE="text-align: right; background-color: white">52,752</TD>
    <TD STYLE="text-align: right; background-color: white">12,620</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">65,372</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">57,508</TD>
    <TD STYLE="text-align: right">14,095</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">71,603</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>High</TD>
    <TD STYLE="text-align: right; background-color: white">201</TD>
    <TD STYLE="text-align: right; background-color: white">11,370</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">11,571</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">419</TD>
    <TD STYLE="text-align: right">10,106</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">10,525</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Credit-Impaired</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right; background-color: white">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right; background-color: white">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right; background-color: white">64,179</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white">64,179</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">59,168</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right">59,168</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white">758,151</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white">83,474</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white">64,179</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white">905,804</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white">763,552</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white">86,702</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white">59,168</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white">909,422</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">%</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">83.7%</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">9.2%</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">7.1%</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">100.0%</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">84.0%</TD>
    <TD STYLE="font-weight: bold; text-align: right">9.5%</TD>
    <TD STYLE="font-weight: bold; text-align: right">6.5%</TD>
    <TD STYLE="font-weight: bold; text-align: right">100.0%</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="11" STYLE="color: #EC7000; font-weight: bold; text-align: left">Other financial assets</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #FF5900; font-weight: bold; border-top: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Fair value</TD>
    <TD STYLE="font-weight: bold; text-align: center; background-color: white">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Stage 1</TD>
    <TD STYLE="font-weight: bold; text-align: center; background-color: white">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Stage 2</TD>
    <TD STYLE="font-weight: bold; text-align: center; background-color: white">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Stage 3</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 27%">Investment funds</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white; width: 10%">24,627</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white; width: 10%">21,264</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white; width: 10%">20,792</TD>
    <TD STYLE="font-weight: bold; background-color: white; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white; width: 10%">3,835</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white; width: 10%">3,835</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white; width: 10%">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white; width: 10%">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Government securities</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">569,671</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">573,308</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">569,671</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Brazilian government</TD>
    <TD STYLE="text-align: right; background-color: white">481,905</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">485,168</TD>
    <TD STYLE="text-align: right; background-color: white">481,905</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other government</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">36</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Latin America</TD>
    <TD STYLE="text-align: right; background-color: white">51,721</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">51,900</TD>
    <TD STYLE="text-align: right; background-color: white">51,721</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Abroad</TD>
    <TD STYLE="text-align: right; background-color: white">36,045</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">36,204</TD>
    <TD STYLE="text-align: right; background-color: white">36,045</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">252,335</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">253,433</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">248,882</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">3,992</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">2,886</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">2,586</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">567</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Rural product note</TD>
    <TD STYLE="text-align: right; background-color: white">42,066</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">41,674</TD>
    <TD STYLE="text-align: right; background-color: white">41,626</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">299</TD>
    <TD STYLE="text-align: right; background-color: white">281</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">246</TD>
    <TD STYLE="text-align: right; background-color: white">159</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Real estate receivables certificates</TD>
    <TD STYLE="text-align: right; background-color: white">7,800</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">7,875</TD>
    <TD STYLE="text-align: right; background-color: white">7,800</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Bank deposit certificate</TD>
    <TD STYLE="text-align: right; background-color: white">330</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">329</TD>
    <TD STYLE="text-align: right; background-color: white">330</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">8</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Debentures</TD>
    <TD STYLE="text-align: right; background-color: white">128,722</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">128,744</TD>
    <TD STYLE="text-align: right; background-color: white">126,639</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">2,699</TD>
    <TD STYLE="text-align: right; background-color: white">1,716</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">1,882</TD>
    <TD STYLE="text-align: right; background-color: white">367</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Eurobonds and other</TD>
    <TD STYLE="text-align: right; background-color: white">6,862</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">6,917</TD>
    <TD STYLE="text-align: right; background-color: white">6,760</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">103</TD>
    <TD STYLE="text-align: right; background-color: white">98</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">24</TD>
    <TD STYLE="text-align: right; background-color: white">4</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Financial bills</TD>
    <TD STYLE="text-align: right; background-color: white">20,178</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">20,173</TD>
    <TD STYLE="text-align: right; background-color: white">20,173</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">5</TD>
    <TD STYLE="text-align: right; background-color: white">5</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Promissory and commercial notes</TD>
    <TD STYLE="text-align: right; background-color: white">13,195</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">13,136</TD>
    <TD STYLE="text-align: right; background-color: white">13,095</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">78</TD>
    <TD STYLE="text-align: right; background-color: white">70</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">201</TD>
    <TD STYLE="text-align: right; background-color: white">30</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Other</TD>
    <TD STYLE="text-align: right; background-color: white">33,182</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">34,585</TD>
    <TD STYLE="text-align: right; background-color: white">32,459</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">808</TD>
    <TD STYLE="text-align: right; background-color: white">716</TD>
    <TD STYLE="text-align: right; background-color: white">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white">225</TD>
    <TD STYLE="text-align: right; background-color: white">7</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white">846,633</TD>
    <TD STYLE="border-top: black 0.5pt solid; border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white">848,005</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white">839,345</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white">7,827</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white">6,721</TD>
    <TD STYLE="border-bottom: black 1pt solid; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white">2,586</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right; background-color: white">567</TD></TR>
  </TABLE>
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<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="color: #FF5900; font-weight: bold; border-top: black 1pt solid; text-align: left">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Stage 1</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Stage 2</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Stage 3</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Cost</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Fair value</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 34%">Investment funds</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">32,491</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">27,660</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">27,140</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">5,259</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">5,259</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">92</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 9%">92</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Government securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">479,241</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">483,477</TD>
    <TD STYLE="font-weight: bold; text-align: right">479,241</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Brazilian government</TD>
    <TD STYLE="text-align: right">394,082</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">397,794</TD>
    <TD STYLE="text-align: right">394,082</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Other government</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">36</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Latin America</TD>
    <TD STYLE="text-align: right">49,946</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">50,375</TD>
    <TD STYLE="text-align: right">49,946</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Abroad</TD>
    <TD STYLE="text-align: right">35,213</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">35,272</TD>
    <TD STYLE="text-align: right">35,213</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Corporate securities</TD>
    <TD STYLE="font-weight: bold; text-align: right">211,103</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">216,005</TD>
    <TD STYLE="font-weight: bold; text-align: right">208,241</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">3,559</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,512</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,297</TD>
    <TD STYLE="font-weight: bold; text-align: right">350</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Rural product note</TD>
    <TD STYLE="text-align: right">28,896</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">28,670</TD>
    <TD STYLE="text-align: right">28,618</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">287</TD>
    <TD STYLE="text-align: right">262</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">29</TD>
    <TD STYLE="text-align: right">16</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Real estate receivables certificates</TD>
    <TD STYLE="text-align: right">7,214</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">7,318</TD>
    <TD STYLE="text-align: right">7,214</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Bank deposit certificate</TD>
    <TD STYLE="text-align: right">1,172</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,172</TD>
    <TD STYLE="text-align: right">1,172</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Debentures</TD>
    <TD STYLE="text-align: right">110,075</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">110,732</TD>
    <TD STYLE="text-align: right">108,140</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,470</TD>
    <TD STYLE="text-align: right">1,610</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,037</TD>
    <TD STYLE="text-align: right">325</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Eurobonds and other</TD>
    <TD STYLE="text-align: right">8,770</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">9,035</TD>
    <TD STYLE="text-align: right">8,770</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Financial bills</TD>
    <TD STYLE="text-align: right">19,504</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">19,535</TD>
    <TD STYLE="text-align: right">19,504</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Promissory and commercial notes</TD>
    <TD STYLE="text-align: right">11,250</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">11,251</TD>
    <TD STYLE="text-align: right">11,250</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Other</TD>
    <TD STYLE="text-align: right">24,222</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">28,292</TD>
    <TD STYLE="text-align: right">23,573</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">802</TD>
    <TD STYLE="text-align: right">640</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">231</TD>
    <TD STYLE="text-align: right">9</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: left">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">722,835</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">727,142</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">714,622</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">8,818</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">7,771</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">2,389</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">442</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="color: #EC7000; font-weight: bold">Other Financial Assets&nbsp;&nbsp;- Internal Classification by Level of Risk</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 17%">&nbsp;</TD>
    <TD STYLE="width: 18%">&nbsp;</TD>
    <TD STYLE="width: 14%">&nbsp;</TD>
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 22%">&nbsp;</TD>
    <TD STYLE="width: 14%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Internal rating</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Financial Assets - At Amortized Cost</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Financial assets at fair value through profit or loss</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Financial Assets at fair value through other comprehensive income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: center">Interbank deposits and securities purchased under agreements to resell</TD>
    <TD STYLE="font-weight: bold; text-align: center">Securities</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid; text-align: left">Low</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">315,682</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">248,378</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">520,458</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">140,370</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,224,888</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Medium</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">3,914</TD>
    <TD STYLE="text-align: right">2,578</TD>
    <TD STYLE="text-align: right">52</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,544</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">High</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1,223</TD>
    <TD STYLE="text-align: right">83</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,306</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">315,682</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">253,515</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">523,119</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">140,422</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">1,232,738</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: left">%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">25.6%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">20.6%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">42.4%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">11.4%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">100.0%</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 9pt">&nbsp;</TD>
    <TD STYLE="font-size: 9pt">&nbsp;</TD>
    <TD STYLE="font-size: 9pt">&nbsp;</TD>
    <TD STYLE="font-size: 9pt">&nbsp;</TD>
    <TD STYLE="font-size: 9pt">&nbsp;</TD>
    <TD STYLE="font-size: 9pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="6" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Internal rating</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Financial Assets - At Amortized Cost</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Financial assets at fair value through profit or loss</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Financial Assets at fair value through other comprehensive income</TD>
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Interbank deposits and securities purchased under agreements to resell</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Securities</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid; text-align: left">Low</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">281,371</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">208,605</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">461,153</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">126,673</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: right">1,077,802</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Medium</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">3,816</TD>
    <TD STYLE="text-align: right">2,104</TD>
    <TD STYLE="text-align: right">75</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,995</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">High</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">605</TD>
    <TD STYLE="text-align: right">50</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right">655</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: left">Total</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">281,371</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">213,026</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">463,307</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">126,748</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right">1,084,452</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: left">%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">25.9%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">19.6%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">42.7%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">11.8%</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">100.0%</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Financial assets at fair value through profit
or loss includes Derivatives in the amount of&nbsp;R$ 68,481&nbsp;(R$ 78,208 at 12/31/2022).</P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="10" STYLE="color: #EC7000; font-weight: bold; text-align: left">I.IV.III - Collateral for loan and lease operations</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 41%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: left">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Over-collateralized&nbsp;&nbsp;assets</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Under-collateralized assets</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Over-collateralized assets</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Under-collateralized assets</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Carrying&nbsp;&nbsp;value of the assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Fair value of collateral</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Carrying&nbsp;&nbsp;&nbsp;&nbsp;value of the assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Fair value of collateral</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Carrying&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;value of the assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Fair value of collateral</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Carrying&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;value of the assets</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Fair value of collateral</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Individuals</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">152,915</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">396,057</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,605</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,153</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">141,896</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">336,597</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,085</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2,861</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Personal <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,966</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">15,192</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,781</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,661</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,971</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">11,106</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,469</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,394</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Vehicles <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">30,790</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">73,360</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,401</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,312</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">29,613</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">70,901</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,610</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,463</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Mortgage loans <SUP>(3)</SUP></FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">118,159</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">307,505</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">423</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">180</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">109,312</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">254,590</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Micro / small, medium companies and corporates <SUP>(4)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">167,201</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">574,253</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">46,620</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">42,715</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">173,007</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">614,178</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">41,395</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">36,233</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Foreign loans - Latin America <SUP>(4)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">163,387</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">304,183</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,516</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,300</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">175,517</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">319,085</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">11,817</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">4,441</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">483,503</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,274,493</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">59,741</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">49,168</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">490,420</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,269,860</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">56,297</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">43,535</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="10" STYLE="font-size: 9pt">1) In general requires financial guarantees. <BR>
2) Vehicles themselves are pledged as collateral, as well as assets leased in lease operations. <BR>
3) Properties themselves are pledged as collateral.<BR>
4) Any collateral set forth in the credit policy of ITA&Uacute; UNIBANCO HOLDING (chattel mortgage, surety/joint debtor, mortgage and other).</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"> </P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Of total loan and&nbsp;lease operations,&nbsp;R$
362,560&nbsp;(R$ 362,705 at 12/31/2022) represented unsecured loans.&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>I.IV.IV -&nbsp;Repossessed assets</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Assets received from the foreclosure of
loans, including real estate, are initially recorded at the lower of: (i) the fair value of the asset less the estimated selling expenses,
or (ii) the carrying amount of the loan.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Further impairment of assets is recorded
as a provision, with a corresponding charge to income. The maintenance costs of these assets are expensed as incurred.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The policy for sales of these assets includes
periodic auctions that are announced to the market in advance, and provides that the assets cannot be held for more than one year, as
stipulated by BACEN.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Total assets repossessed in the period were&nbsp;R$
746&nbsp;(R$ 197 from 01/01 to 09/30/2022), mainly composed of real estate.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>II - Market risk</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Defined as the possibility of incurring
financial losses from changes in the market value of positions held by a financial institution, including the risks of transactions subject
to fluctuations in currency rates, interest rates, share prices, price indexes and commodity prices, as set forth by CMN. Price Indexes
are also treated as a risk factor group.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Market risk is controlled by an area independent
from the business areas, which is responsible for the daily activities of (i) risk measurement and assessment, (ii) monitoring of stress
scenarios, limits and alerts, (iii) application, analysis and testing of stress scenarios, (iv) risk reporting to those responsible within
the business areas, in compliance with the governance of&nbsp;ITA&Uacute; UNIBANCO HOLDING, (v) monitoring of actions required to adjust
positions and risk levels to make them realistic, and (vi) providing support for the safe launch of new financial products.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The market risk structure categorizes transactions
as part of either the banking portfolio or the trading portfolio, in accordance with general criteria established by CMN Resolution 4,557,
of February 23, 2017, and BCB Resolution No. 111, of July&nbsp;6, 2021 and later changes. The trading portfolio consists of all transactions
involving financial instruments and commodities, including derivatives, which are held for trading. The banking portfolio is basically
characterized by transactions for the banking business, and transactions related to the management of the balance sheet of the institution,
where there is no intention of sale and time horizons are medium and long term.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Market risk management is based on the following
metrics:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Value
at risk (VaR): a statistical measure that estimates the expected maximum potential economic loss under normal market conditions, considering
a certain time horizon and confidence level.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Losses
in stress scenarios (Stress Test): simulation technique to assess the behavior of assets, liabilities and derivatives of a portfolio when
several risk factors are taken to extreme market situations (based on prospective and historical scenarios).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Stop
loss: metrics used to revise positions, should losses accumulated in a fixed period reach a certain level.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Concentration:
cumulative exposure of a certain financial instrument or risk factor, calculated at market value (MtM &#8211; Mark to Market).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Stressed
VaR: statistical metric derived from the VaR calculation, with the purpose of simulating higher risk in the trading portfolio, taking
returns that can be seen in past scenarios of extreme volatility.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Management of interest rate risk in the
Banking Book (IRRBB) is based on the following metrics:</P>


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<P STYLE="font: 15pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>&#916;EVE
(Delta Economic Value of Equity): difference between the present value of the sum of repricing flows of instruments subject to IRRBB in
a base scenario and the present value of the sum of repricing flows of these instruments in a scenario of shock in interest rates.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>&#916;NII
(Delta Net Interest Income): difference between the result of financial intermediation of instruments subject to IRRBB in a base scenario
and the result of financial intermediation of these instruments in a scenario of shock in interest rates.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">In addition, sensitivity and loss control measures are also analyzed.
They include:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Mismatching
analysis (GAPS): accumulated exposure by risk factor of cash flows expressed at market value, allocated at the maturity dates.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Sensitivity
(DV01- Delta Variation):&nbsp;impact on the fair value of cash flows when a 1 basis point change is applied to current interest rates
or on the index rates.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Sensitivity
to Sundry Risk Factors (Greeks): partial derivatives of an option portfolio in relation to the prices of underlying assets, implied volatilities,
interest rates and time.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In order to operate within the defined limits,&nbsp;ITA&Uacute;
UNIBANCO HOLDING hedges transactions with customers and proprietary positions, including its foreign investments. Derivatives are commonly
used for these hedging activities, which can be either accounting or economic hedges, both governed by the institutional polices of ITA&Uacute;
UNIBANCO HOLDING.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The structure of limits and alerts obeys
the Board of Directors&#8217; guidelines, and it is reviewed and approved on an annual basis. This structure has specific limits aimed
at improving the process of monitoring and understanding risk, and at avoiding concentration. These limits are quantified by assessing
the forecast balance sheet results, the size of stockholders&#8217; equity, market liquidity, complexity and volatility, and&nbsp;ITA&Uacute;
UNIBANCO HOLDING&#8217;s appetite for risk.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The consumption of market risk limits is
monitored and disclosed daily through exposure and sensitivity maps. The market risk area analyzes and controls the adherence of these
exposures to limits and alerts and reports them in a timely manner to the Treasury desks and other structures foreseen in the governance.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;uses proprietary
systems to measure the consolidated market risk. The processing of these systems occurs in a high-availability access-controlled environment,
which has data storage and recovery processes and an infrastructure that ensures business continuity in contingency (disaster recovery)
situations.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>II.I - VaR - Consolidated ITA&Uacute; UNIBANCO
HOLDING</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">VaR is calculated by Historical Simulation,
i.e. the expected distribution for profits and losses (P&amp;L) of a portfolio over time, which can be estimated from past behavior of
returns of market risk factors for this portfolio. VaR is calculated at a confidence level of 99%, historical period of 4 years (1000
business days) and a holding period of one day. In addition, in a conservative approach, VaR is calculated daily, with and without volatility
weighting, and the final VaR is the more restrictive of the values given by the two methods.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">From 01/01 to 09/30/2023, the average total
VaR in Historical Simulation was&nbsp;R$ 878 or 0.5% of total stockholders&#8217; equity (R$ 678 or 0.4% of total stockholders&#8217;
equity from&nbsp;01/01 to 12/31/2022).</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD COLSPAN="9" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">VaR Total&nbsp;&nbsp;(Historical Simulation) (in millions of reais) <SUP>(1)</SUP></FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="4" STYLE="font-weight: bold; text-align: center">09/30/2023</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Average</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Minimum</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Maximum</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Var Total</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Average</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Minimum</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Maximum</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Var Total</TD></TR>
  <TR>
    <TD STYLE="font-weight: bold; vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; vertical-align: top; text-align: center; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; text-align: center; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; vertical-align: top; text-align: center">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; width: 35%">VaR by Risk Factor Group</TD>
    <TD STYLE="font-weight: bold; text-align: center; background-color: white; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; background-color: white; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; background-color: white; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; background-color: white; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 8%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; width: 8%">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding-left: 12px; vertical-align: top; text-align: left">Interest rates</TD>
    <TD STYLE="vertical-align: middle; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,199</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,059</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,349</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,345</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,102</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">885</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,751</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,160</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 12px; vertical-align: top; text-align: left">Currencies</TD>
    <TD STYLE="vertical-align: middle; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">25</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">12</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">49</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">31</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">26</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">55</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">26</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 12px; vertical-align: top; text-align: left">Shares</TD>
    <TD STYLE="vertical-align: middle; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">28</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">14</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">55</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">30</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">27</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">18</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">65</FONT></TD>
    <TD STYLE="vertical-align: middle; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">65</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Commodities</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">9</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">21</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">8</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10</FONT></TD></TR>
  <TR>
    <TD STYLE="padding-left: 12px; vertical-align: top; border-bottom: black 0.5pt solid; text-align: left">Effect of diversification</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid; text-align: right; background-color: white">-</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid; text-align: right; background-color: white">-</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid; text-align: right; background-color: white">-</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(510)</FONT></TD>
    <TD STYLE="vertical-align: middle">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="vertical-align: middle; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(527)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total risk</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">878</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">718</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,039</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">904</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">678</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">494</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,172</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">734</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="10" STYLE="font-size: 9pt">1) VaR by Risk Factor Group considers information from foreign units.</TD></TR>
  </TABLE>
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  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="14" STYLE="color: #EC7000; font-weight: bold; text-align: justify">II.I.I - Interest rate risk</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="14" STYLE="text-align: justify">The table below shows the accounting position of financial assets and liabilities exposed to interest rate risk, distributed by maturity (remaining contractual terms). This table is not used directly to manage interest rate risks, it is mostly used to permit the assessment of mismatching between accounts and products associated thereto and to identify possible risk concentration.&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">09/30/2023</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: center; width: 36%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 5%">0-30 days</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 5%">31-180 days</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 5%">181-365 days</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 5%">1-5 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 5%">Over 5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 6%">Total</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 5%">0-30 days</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 5%">31-180 days</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white; width: 5%">181-365 days</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 5%">1-5 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 5%">Over 5 years</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; width: 7%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Financial assets</TD>
    <TD STYLE="font-weight: bold; text-align: right">577,295</TD>
    <TD STYLE="font-weight: bold; text-align: right">371,689</TD>
    <TD STYLE="font-weight: bold; text-align: right">257,244</TD>
    <TD STYLE="font-weight: bold; text-align: right">768,200</TD>
    <TD STYLE="font-weight: bold; text-align: right">282,418</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,256,846</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">604,311</TD>
    <TD STYLE="font-weight: bold; text-align: right">374,529</TD>
    <TD STYLE="font-weight: bold; text-align: right">208,850</TD>
    <TD STYLE="font-weight: bold; text-align: right">633,722</TD>
    <TD STYLE="font-weight: bold; text-align: right">274,390</TD>
    <TD STYLE="font-weight: bold; text-align: right">2,095,802</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; text-align: left">At amortized cost</TD>
    <TD STYLE="font-weight: bold; text-align: right">506,994</TD>
    <TD STYLE="font-weight: bold; text-align: right">321,135</TD>
    <TD STYLE="font-weight: bold; text-align: right">184,888</TD>
    <TD STYLE="font-weight: bold; text-align: right">416,619</TD>
    <TD STYLE="font-weight: bold; text-align: right">162,054</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,591,690</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">464,682</TD>
    <TD STYLE="font-weight: bold; text-align: right">314,608</TD>
    <TD STYLE="font-weight: bold; text-align: right">167,135</TD>
    <TD STYLE="font-weight: bold; text-align: right">391,697</TD>
    <TD STYLE="font-weight: bold; text-align: right">166,250</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,504,372</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Compulsory deposits in the Central Bank of Brazil</TD>
    <TD STYLE="text-align: right">118,653</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">118,653</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">102,600</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">102,600</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Interbank deposits</TD>
    <TD STYLE="text-align: right">22,337</TD>
    <TD STYLE="text-align: right">6,436</TD>
    <TD STYLE="text-align: right">10,242</TD>
    <TD STYLE="text-align: right">6,884</TD>
    <TD STYLE="text-align: right">22</TD>
    <TD STYLE="text-align: right">45,921</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">40,782</TD>
    <TD STYLE="text-align: right">8,207</TD>
    <TD STYLE="text-align: right">7,683</TD>
    <TD STYLE="text-align: right">2,800</TD>
    <TD STYLE="text-align: right">114</TD>
    <TD STYLE="text-align: right">59,586</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Securities purchased under agreements to resell</TD>
    <TD STYLE="text-align: right">226,256</TD>
    <TD STYLE="text-align: right">43,460</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">23</TD>
    <TD STYLE="text-align: right">269,739</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">177,458</TD>
    <TD STYLE="text-align: right">44,221</TD>
    <TD STYLE="text-align: right">47</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">50</TD>
    <TD STYLE="text-align: right">221,776</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Securities</TD>
    <TD STYLE="text-align: right">8,206</TD>
    <TD STYLE="text-align: right">40,590</TD>
    <TD STYLE="text-align: right">36,915</TD>
    <TD STYLE="text-align: right">121,693</TD>
    <TD STYLE="text-align: right">44,169</TD>
    <TD STYLE="text-align: right">251,573</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">15,933</TD>
    <TD STYLE="text-align: right">18,962</TD>
    <TD STYLE="text-align: right">26,633</TD>
    <TD STYLE="text-align: right">107,431</TD>
    <TD STYLE="text-align: right">42,029</TD>
    <TD STYLE="text-align: right">210,988</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Loan and lease operations</TD>
    <TD STYLE="text-align: right">131,542</TD>
    <TD STYLE="text-align: right">230,649</TD>
    <TD STYLE="text-align: right">137,731</TD>
    <TD STYLE="text-align: right">288,042</TD>
    <TD STYLE="text-align: right">117,840</TD>
    <TD STYLE="text-align: right">905,804</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">127,909</TD>
    <TD STYLE="text-align: right">243,218</TD>
    <TD STYLE="text-align: right">132,772</TD>
    <TD STYLE="text-align: right">281,466</TD>
    <TD STYLE="text-align: right">124,057</TD>
    <TD STYLE="text-align: right">909,422</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; text-align: left">At fair value through other comprehensive income</TD>
    <TD STYLE="font-weight: bold; text-align: right">18,127</TD>
    <TD STYLE="font-weight: bold; text-align: right">17,021</TD>
    <TD STYLE="font-weight: bold; text-align: right">20,545</TD>
    <TD STYLE="font-weight: bold; text-align: right">60,013</TD>
    <TD STYLE="font-weight: bold; text-align: right">24,716</TD>
    <TD STYLE="font-weight: bold; text-align: right">140,422</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">35,573</TD>
    <TD STYLE="font-weight: bold; text-align: right">13,335</TD>
    <TD STYLE="font-weight: bold; text-align: right">6,609</TD>
    <TD STYLE="font-weight: bold; text-align: right">47,705</TD>
    <TD STYLE="font-weight: bold; text-align: right">23,526</TD>
    <TD STYLE="font-weight: bold; text-align: right">126,748</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; text-align: left">At fair value through profit and loss</TD>
    <TD STYLE="font-weight: bold; text-align: right">52,174</TD>
    <TD STYLE="font-weight: bold; text-align: right">33,533</TD>
    <TD STYLE="font-weight: bold; text-align: right">51,811</TD>
    <TD STYLE="font-weight: bold; text-align: right">291,568</TD>
    <TD STYLE="font-weight: bold; text-align: right">95,648</TD>
    <TD STYLE="font-weight: bold; text-align: right">524,734</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">104,056</TD>
    <TD STYLE="font-weight: bold; text-align: right">46,586</TD>
    <TD STYLE="font-weight: bold; text-align: right">35,106</TD>
    <TD STYLE="font-weight: bold; text-align: right">194,320</TD>
    <TD STYLE="font-weight: bold; text-align: right">84,614</TD>
    <TD STYLE="font-weight: bold; text-align: right">464,682</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Securities</TD>
    <TD STYLE="text-align: right">42,795</TD>
    <TD STYLE="text-align: right">15,003</TD>
    <TD STYLE="text-align: right">47,201</TD>
    <TD STYLE="text-align: right">268,974</TD>
    <TD STYLE="text-align: right">80,665</TD>
    <TD STYLE="text-align: right">454,638</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">81,484</TD>
    <TD STYLE="text-align: right">39,344</TD>
    <TD STYLE="text-align: right">26,454</TD>
    <TD STYLE="text-align: right">169,113</TD>
    <TD STYLE="text-align: right">68,704</TD>
    <TD STYLE="text-align: right">385,099</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Derivatives</TD>
    <TD STYLE="text-align: right">9,378</TD>
    <TD STYLE="text-align: right">18,485</TD>
    <TD STYLE="text-align: right">4,325</TD>
    <TD STYLE="text-align: right">22,056</TD>
    <TD STYLE="text-align: right">14,237</TD>
    <TD STYLE="text-align: right">68,481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">22,572</TD>
    <TD STYLE="text-align: right">7,215</TD>
    <TD STYLE="text-align: right">8,362</TD>
    <TD STYLE="text-align: right">24,834</TD>
    <TD STYLE="text-align: right">15,225</TD>
    <TD STYLE="text-align: right">78,208</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Other Financial Assets</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">45</TD>
    <TD STYLE="text-align: right">285</TD>
    <TD STYLE="text-align: right">538</TD>
    <TD STYLE="text-align: right">746</TD>
    <TD STYLE="text-align: right">1,615</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">27</TD>
    <TD STYLE="text-align: right">290</TD>
    <TD STYLE="text-align: right">373</TD>
    <TD STYLE="text-align: right">685</TD>
    <TD STYLE="text-align: right">1,375</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Financial liabilities</TD>
    <TD STYLE="font-weight: bold; text-align: right">670,850</TD>
    <TD STYLE="font-weight: bold; text-align: right">199,212</TD>
    <TD STYLE="font-weight: bold; text-align: right">149,764</TD>
    <TD STYLE="font-weight: bold; text-align: right">608,437</TD>
    <TD STYLE="font-weight: bold; text-align: right">176,744</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,805,007</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">651,532</TD>
    <TD STYLE="font-weight: bold; text-align: right">177,388</TD>
    <TD STYLE="font-weight: bold; text-align: right">142,668</TD>
    <TD STYLE="font-weight: bold; text-align: right">585,754</TD>
    <TD STYLE="font-weight: bold; text-align: right">112,329</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,669,671</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; text-align: left">At amortized cost</TD>
    <TD STYLE="font-weight: bold; text-align: right">665,303</TD>
    <TD STYLE="font-weight: bold; text-align: right">180,643</TD>
    <TD STYLE="font-weight: bold; text-align: right">145,333</TD>
    <TD STYLE="font-weight: bold; text-align: right">587,544</TD>
    <TD STYLE="font-weight: bold; text-align: right">163,207</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,742,030</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">643,530</TD>
    <TD STYLE="font-weight: bold; text-align: right">160,422</TD>
    <TD STYLE="font-weight: bold; text-align: right">125,266</TD>
    <TD STYLE="font-weight: bold; text-align: right">563,338</TD>
    <TD STYLE="font-weight: bold; text-align: right">99,607</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,592,163</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Deposits</TD>
    <TD STYLE="text-align: right">344,068</TD>
    <TD STYLE="text-align: right">89,524</TD>
    <TD STYLE="text-align: right">56,309</TD>
    <TD STYLE="text-align: right">379,370</TD>
    <TD STYLE="text-align: right">63,013</TD>
    <TD STYLE="text-align: right">932,284</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">360,548</TD>
    <TD STYLE="text-align: right">75,395</TD>
    <TD STYLE="text-align: right">62,860</TD>
    <TD STYLE="text-align: right">360,225</TD>
    <TD STYLE="text-align: right">12,410</TD>
    <TD STYLE="text-align: right">871,438</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Securities sold under repurchase agreements</TD>
    <TD STYLE="text-align: right">303,463</TD>
    <TD STYLE="text-align: right">7,497</TD>
    <TD STYLE="text-align: right">1,934</TD>
    <TD STYLE="text-align: right">22,376</TD>
    <TD STYLE="text-align: right">22,412</TD>
    <TD STYLE="text-align: right">357,682</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">264,284</TD>
    <TD STYLE="text-align: right">5,698</TD>
    <TD STYLE="text-align: right">816</TD>
    <TD STYLE="text-align: right">16,223</TD>
    <TD STYLE="text-align: right">6,419</TD>
    <TD STYLE="text-align: right">293,440</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Interbank market funds</TD>
    <TD STYLE="text-align: right">17,069</TD>
    <TD STYLE="text-align: right">80,409</TD>
    <TD STYLE="text-align: right">79,170</TD>
    <TD STYLE="text-align: right">143,535</TD>
    <TD STYLE="text-align: right">11,510</TD>
    <TD STYLE="text-align: right">331,693</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">12,918</TD>
    <TD STYLE="text-align: right">67,034</TD>
    <TD STYLE="text-align: right">57,476</TD>
    <TD STYLE="text-align: right">148,390</TD>
    <TD STYLE="text-align: right">8,769</TD>
    <TD STYLE="text-align: right">294,587</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Institutional market funds</TD>
    <TD STYLE="text-align: right">275</TD>
    <TD STYLE="text-align: right">2,706</TD>
    <TD STYLE="text-align: right">7,613</TD>
    <TD STYLE="text-align: right">40,210</TD>
    <TD STYLE="text-align: right">66,272</TD>
    <TD STYLE="text-align: right">117,076</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">5,379</TD>
    <TD STYLE="text-align: right">11,800</TD>
    <TD STYLE="text-align: right">3,552</TD>
    <TD STYLE="text-align: right">36,642</TD>
    <TD STYLE="text-align: right">72,009</TD>
    <TD STYLE="text-align: right">129,382</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Premium bonds plans</TD>
    <TD STYLE="text-align: right">428</TD>
    <TD STYLE="text-align: right">507</TD>
    <TD STYLE="text-align: right">307</TD>
    <TD STYLE="text-align: right">2,053</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">3,295</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">401</TD>
    <TD STYLE="text-align: right">495</TD>
    <TD STYLE="text-align: right">562</TD>
    <TD STYLE="text-align: right">1,858</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">3,316</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; font-weight: bold; text-align: left">At fair value through profit and loss</TD>
    <TD STYLE="font-weight: bold; text-align: right">5,547</TD>
    <TD STYLE="font-weight: bold; text-align: right">18,569</TD>
    <TD STYLE="font-weight: bold; text-align: right">4,431</TD>
    <TD STYLE="font-weight: bold; text-align: right">20,893</TD>
    <TD STYLE="font-weight: bold; text-align: right">13,537</TD>
    <TD STYLE="font-weight: bold; text-align: right">62,977</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">8,002</TD>
    <TD STYLE="font-weight: bold; text-align: right">16,966</TD>
    <TD STYLE="font-weight: bold; text-align: right">17,402</TD>
    <TD STYLE="font-weight: bold; text-align: right">22,416</TD>
    <TD STYLE="font-weight: bold; text-align: right">12,722</TD>
    <TD STYLE="font-weight: bold; text-align: right">77,508</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Derivatives</TD>
    <TD STYLE="text-align: right">5,547</TD>
    <TD STYLE="text-align: right">18,549</TD>
    <TD STYLE="text-align: right">4,299</TD>
    <TD STYLE="text-align: right">20,523</TD>
    <TD STYLE="text-align: right">13,242</TD>
    <TD STYLE="text-align: right">62,160</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">8,002</TD>
    <TD STYLE="text-align: right">16,950</TD>
    <TD STYLE="text-align: right">17,164</TD>
    <TD STYLE="text-align: right">22,278</TD>
    <TD STYLE="text-align: right">12,467</TD>
    <TD STYLE="text-align: right">76,861</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Structured notes</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="text-align: right">77</TD>
    <TD STYLE="text-align: right">98</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">1</TD>
    <TD STYLE="text-align: right">18</TD>
    <TD STYLE="text-align: right">44</TD>
    <TD STYLE="text-align: right">64</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 24px; text-align: left">Other Financial Liabilities</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">20</TD>
    <TD STYLE="text-align: right">130</TD>
    <TD STYLE="text-align: right">351</TD>
    <TD STYLE="text-align: right">218</TD>
    <TD STYLE="text-align: right">719</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">15</TD>
    <TD STYLE="text-align: right">237</TD>
    <TD STYLE="text-align: right">120</TD>
    <TD STYLE="text-align: right">211</TD>
    <TD STYLE="text-align: right">583</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Difference assets / liabilities <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right">(93,555)</TD>
    <TD STYLE="font-weight: bold; text-align: right">172,477</TD>
    <TD STYLE="font-weight: bold; text-align: right">107,480</TD>
    <TD STYLE="font-weight: bold; text-align: right">159,763</TD>
    <TD STYLE="font-weight: bold; text-align: right">105,674</TD>
    <TD STYLE="font-weight: bold; text-align: right">451,839</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(47,221)</TD>
    <TD STYLE="font-weight: bold; text-align: right">197,142</TD>
    <TD STYLE="font-weight: bold; text-align: right">66,181</TD>
    <TD STYLE="font-weight: bold; text-align: right">47,987</TD>
    <TD STYLE="font-weight: bold; text-align: right">162,635</TD>
    <TD STYLE="font-weight: bold; text-align: right">426,724</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Cumulative difference</TD>
    <TD STYLE="font-weight: bold; text-align: right">(93,555)</TD>
    <TD STYLE="font-weight: bold; text-align: right">78,922</TD>
    <TD STYLE="font-weight: bold; text-align: right">186,402</TD>
    <TD STYLE="font-weight: bold; text-align: right">346,165</TD>
    <TD STYLE="font-weight: bold; text-align: right">451,839</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">(47,221)</TD>
    <TD STYLE="font-weight: bold; text-align: right">149,921</TD>
    <TD STYLE="font-weight: bold; text-align: right">216,102</TD>
    <TD STYLE="font-weight: bold; text-align: right">264,089</TD>
    <TD STYLE="font-weight: bold; text-align: right">426,724</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Ratio of cumulative difference to total&nbsp;&nbsp;interest-bearing assets</TD>
    <TD STYLE="text-align: right">(4.1)%</TD>
    <TD STYLE="text-align: right">3.4%</TD>
    <TD STYLE="text-align: right">8.2%</TD>
    <TD STYLE="text-align: right">15.3%</TD>
    <TD STYLE="text-align: right">20.0%</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(2.3)%</TD>
    <TD STYLE="text-align: right">7.2%</TD>
    <TD STYLE="text-align: right">10.3%</TD>
    <TD STYLE="text-align: right">12.6%</TD>
    <TD STYLE="text-align: right">20.4%</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD COLSPAN="14" STYLE="font-size: 9pt; border-top: black 1pt solid; text-align: justify">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.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>II.I.II - Currency risk</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The purpose of ITA&Uacute; UNIBANCO HOLDING's&nbsp;management
of foreign exchange exposure is to mitigate the effects arising from variation&nbsp;in foreign exchange rates, which may present high-volatility
periods.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The currency (or foreign exchange) risk
arises from positions that are sensitive to oscillations in foreign exchange rates. These positions may be originated by financial instruments
that are denominated in a currency other than the functional currency in which the balance sheet is measured or through positions in derivative
instruments (for negotiation or hedge). Sensitivity to currency risk is disclosed in the table VaR Total (Historical Simulation) described
in item II.I &#8211; VaR Consolidated &#8211; ITA&Uacute; UNIBANCO HOLDING.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>II.I.III - Share Price Risk</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The exposure to share price risk is disclosed
in Note&nbsp;5, related to Financial Assets Through Profit or Loss - Securities, and Note&nbsp;8, related to Financial Assets at Fair
Value Through Other Comprehensive Income - Securities.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>III - Liquidity risk</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Defined as the possibility that the institution
may be unable to efficiently meet its expected and unexpected obligations, both current and future, including those arising from guarantees
issued, without affecting its daily operations and without incurring significant losses.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Liquidity risk is controlled by an area
independent from the business area and responsible for establishing the reserve composition, estimating the cash flow and exposure to
liquidity risk in different time horizons, and for monitoring the minimum limits to absorb losses in stress scenarios for each country
where ITA&Uacute; UNIBANCO HOLDING&nbsp;operates. All activities are subject to verification by independent validation, internal control
and audit areas.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Liquidity management policies and limits
are based on prospective scenarios and senior management&#8217;s guidelines. These scenarios are reviewed on a periodic basis, by analyzing
the need for cash due to atypical market conditions or strategic decisions by ITA&Uacute; UNIBANCO HOLDING.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;manages
and controls liquidity risk on a daily basis, using procedures approved in superior committees, including the adoption of liquidity minimum
limits, sufficient to absorb possible cash losses in stress scenarios, measured with the use of internal and regulatory methods.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Among the main regulatory liquidity indicators,
the following indicators stand out:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify"><B>Liquidity Coverage Ratio (LCR):</B>
can be defined as a sufficiency index over a 30-day horizon, measuring the available amount of assets available to honor potential liquid
outflows in a stress scenario.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify"><B>Net Stable Funding Ratio (NSFR):</B>
can be defined as an analysis of funding available for the financing of long-term assets.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Both metrics are managed by the liquidity
risk area and they have limits approved by superior committees, as well as governance of action plans in possible liquidity stress scenarios.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Additionally, the following items for monitoring
and supporting decisions are periodically prepared and submitted to senior management:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Different
scenarios projected for changes in liquidity.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Contingency
plans for crisis situations.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Reports
and charts that describe the risk positions.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Assessment
of funding costs and alternative sources of funding.</P>


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<P STYLE="font: 15pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>Monitoring
of changes in funding through a constant control of sources of funding, considering the type of investor, maturities and other factors.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>III.I -&nbsp;Primary sources of funding</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;has different
sources of funding, of which a significant portion is from the retail segment. Of total customers&#8217; funds, 67.7% or R$ 934,626, is
immediately available to customers. However, the historical behavior of the accumulated balance of the two largest items in this group
&#8211; demand and savings deposits - is relatively consistent with the balances increasing over time and inflows exceeding outflows for
monthly average amounts.&nbsp;</P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid">Funding from customers</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">0-30 days</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">%</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">0-30 days</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; width: 45%">Deposits</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 11%">783,754</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 11%">932,284</TD>
    <TD STYLE="font-weight: bold; width: 5%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 11%">737,633</TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 11%">871,438</TD>
    <TD STYLE="font-weight: bold; width: 5%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Demand deposits</TD>
    <TD STYLE="text-align: right">103,556</TD>
    <TD STYLE="text-align: right">103,556</TD>
    <TD STYLE="text-align: right">7.5%</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">117,587</TD>
    <TD STYLE="text-align: right">117,587</TD>
    <TD STYLE="text-align: right">9.1%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Savings deposits</TD>
    <TD STYLE="text-align: right">174,006</TD>
    <TD STYLE="text-align: right">174,006</TD>
    <TD STYLE="text-align: right">12.6%</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">179,764</TD>
    <TD STYLE="text-align: right">179,764</TD>
    <TD STYLE="text-align: right">13.9%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Time deposits <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: right">497,261</TD>
    <TD STYLE="text-align: right">639,495</TD>
    <TD STYLE="text-align: right">46.3%</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">434,450</TD>
    <TD STYLE="text-align: right">564,215</TD>
    <TD STYLE="text-align: right">43.5%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other</TD>
    <TD STYLE="text-align: right">8,931</TD>
    <TD STYLE="text-align: right">15,227</TD>
    <TD STYLE="text-align: right">1.1%</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">5,832</TD>
    <TD STYLE="text-align: right">9,872</TD>
    <TD STYLE="text-align: right">0.8%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Interbank market funds <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: right">150,431</TD>
    <TD STYLE="text-align: right">331,693</TD>
    <TD STYLE="text-align: right">24.0%</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">130,074</TD>
    <TD STYLE="text-align: right">294,587</TD>
    <TD STYLE="text-align: right">22.7%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Funds from own issue <SUP>(2)</SUP></FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="background-color: white">Institutional market funds</TD>
    <TD STYLE="text-align: right">441</TD>
    <TD STYLE="text-align: right">117,076</TD>
    <TD STYLE="text-align: right">8.5%</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4,630</TD>
    <TD STYLE="text-align: right">129,382</TD>
    <TD STYLE="text-align: right">10.0%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">934,626</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1,381,061</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">100.0%</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">872,337</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">1,295,415</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right">100.0%</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD COLSPAN="8" STYLE="font-size: 9pt; text-align: justify">1) The settlement date is considered as the closest period in which the client has the possibility of withdrawing funds.<BR>
2) Refers to Deposits received under securities repurchase agreements with securities from own issue.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; color: #EC7000"><B>III.II - Control over liquidity</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Under the LCR metric,&nbsp;ITA&Uacute; UNIBANCO
HOLDING&nbsp;has High-quality Liquid Assets (HQLA) which totaled an average of&nbsp;R$ 368,698 in the period, mainly made up of sovereign
securities, reserves in central banks and cash. Net cash outflows totaled an average of&nbsp;R$ 196,347 in the period, mainly made up
of retail, wholesale funds, additional requirements, contractual and contingent obligations, offset by cash inflows from loans and other
expected cash inflows.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The average LCR in the period is&nbsp;187.8%&nbsp;(164.4%&nbsp;at&nbsp;12/31/2022)&nbsp;above
the 100% threshold, and therefore the entity comfortably has sufficient stable funds available to support losses under the standardized
stress scenario for LCR.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">From the NSFR perspective,&nbsp;ITA&Uacute;
UNIBANCO HOLDING&nbsp;has Available Stable Funding (ASF) that totaled&nbsp;R$ 1,223,998 in the period, mainly made up of capital, retail
and wholesale funds. The required stable funding (RSF) totaled&nbsp;R$ 961,883 in the period, mainly made up of loans and financing granted
to wholesale and retail clients, central governments, and operations with central banks.&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The NSFR at the period closing is 127.3%&nbsp;(124.9%&nbsp;at&nbsp;12/31/2022),
above the 100% threshold, and therefore the entity comfortably has sufficient stable funds available to support the stable funds required
in the long term, in accordance with the metric.&nbsp;</P>


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<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD COLSPAN="12">Liabilities according to their remaining contractual maturities, considering their undiscounted flows, are presented below:</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: justify">Undiscounted future flows, except for derivatives which are fair value</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">09/30/2023</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; width: 39%">Financial liabilities</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 0.5pt; background-color: white; width: 6%">0 &ndash; 30</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 0.5pt; background-color: white; width: 6%">31 &ndash; 365</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 0.5pt; background-color: white; width: 6%">366 &ndash; 720</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 0.5pt; background-color: white; width: 6%">Over 720 days</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 0.5pt; background-color: white; width: 6%">Total</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 0.5pt; width: 6%">0 &ndash; 30</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 0.5pt; width: 6%">31 &ndash; 365</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 0.5pt; width: 6%">366 &ndash; 720</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 0.5pt; width: 6%">Over 720 days</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; border-top-color: black; border-top-width: 0.5pt; width: 6%">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Deposits</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">783,984</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">95,387</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">30,308</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">26,059</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">935,738</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">737,637</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">92,481</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">28,768</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">21,264</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">880,150</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Demand deposits</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">103,556</FONT></TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">103,556</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">117,587</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">117,587</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Savings deposits</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">174,006</FONT></TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">174,006</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">179,764</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">179,764</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Time deposit</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">497,261</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">93,030</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">26,339</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">26,025</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">642,655</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">434,450</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">91,308</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">25,870</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">21,191</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">572,819</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Interbank deposits</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,565</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,357</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,969</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">34</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,925</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">858</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,173</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,898</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">73</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,002</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Other deposits</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,596</FONT></TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,596</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,978</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">4,978</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left; background-color: white">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Compulsory deposits</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(126,199)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(12,758)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(3,613)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(3,569)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(146,139)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(97,709)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(11,904)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(3,373)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(2,762)</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">(115,748)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Demand deposits</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(27,486)</FONT></TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(27,486)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(13,148)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(13,148)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Savings deposits</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(30,521)</FONT></TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(30,521)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(27,923)</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(27,923)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Time deposit</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(68,192)</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(12,758)</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,613)</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,569)</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(88,132)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(56,638)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(11,904)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(3,373)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(2,762)</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">(74,677)</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left; background-color: white">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Securities sold under repurchase agreements</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">332,809</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,111</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3,642</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">85,802</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">431,364</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">264,451</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">6,603</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">7,841</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">29,287</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">308,182</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Government securities</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">285,227</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,131</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">741</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">71,065</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">360,164</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">196,672</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,444</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,808</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">29,176</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">240,100</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Corporate securities</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">27,333</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,926</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,856</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">14,731</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">50,846</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">22,642</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">22,653</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Foreign</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">20,249</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">54</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">45</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">20,354</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">45,137</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">158</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">33</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">101</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">45,429</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left; background-color: white">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left; background-color: white">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; background-color: white">Interbank market funds</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">150,431</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">102,412</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">45,486</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">47,710</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">346,039</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">94,313</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">101,047</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">44,547</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">70,900</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">310,807</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left; background-color: white">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left; background-color: white">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; background-color: white">Institutional market funds</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">441</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">12,352</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">44,898</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">85,449</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">143,140</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">4,645</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">5,367</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">42,162</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">103,421</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">155,595</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left; background-color: white">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Derivative financial instruments - Net position</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">5,547</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">22,848</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">7,881</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">25,884</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">62,160</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,002</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">34,114</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">9,056</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">25,689</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">76,861</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Swaps</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">578</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,735</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,623</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">24,722</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">39,658</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,835</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">5,114</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,344</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">23,775</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">39,068</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Options</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">412</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">11,180</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">615</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">480</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">12,687</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,221</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">25,087</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">901</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">673</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">29,882</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Forwards</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,299</FONT></TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">16</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,315</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">55</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">65</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Other derivatives</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,258</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,933</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">643</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">666</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">6,500</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,891</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3,903</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">811</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,241</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">7,846</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left; background-color: white">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left; background-color: white">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Other financial liabilities</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">2</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">205</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">512</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">719</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">252</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">34</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">297</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">583</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD STYLE="background-color: white">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: justify">Total financial liabilities</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,147,013</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">229,354</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">128,807</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">267,847</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,773,021</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: left; background-color: white">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,011,339</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">227,960</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">129,035</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">248,096</FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,616,430</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid">Off balance commitments</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center; background-color: white">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Note</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">0 &ndash; 30</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">31 &ndash; 365</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">366 &ndash; 720</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Over 720&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;days</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center; background-color: white">Total</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">0 &ndash; 30</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">31 &ndash; 365</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">366 &ndash; 720</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Over 720&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;days</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 37%">Financial guarantees</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white; width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,332</FONT></TD>
    <TD STYLE="text-align: right; background-color: white; width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">33,574</FONT></TD>
    <TD STYLE="text-align: right; background-color: white; width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">12,702</FONT></TD>
    <TD STYLE="text-align: right; background-color: white; width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">46,331</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white; width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">94,939</FONT></TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">2,987</FONT></TD>
    <TD STYLE="text-align: right; width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">31,548</FONT></TD>
    <TD STYLE="text-align: right; width: 6%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">12,731</FONT></TD>
    <TD STYLE="text-align: right; width: 6%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">44,513</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; width: 8%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">91,779</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Loan commitments</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">174,826</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">50,340</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">10,616</FONT></TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">201,325</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">437,107</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">161,822</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">50,552</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">20,386</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">172,484</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">405,244</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Letters of credit to be released</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">21,274</FONT></TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="text-align: right; background-color: white">-</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">21,274</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">47,354</FONT></TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">47,354</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-bottom: black 0.5pt solid">Contractual commitments - Fixed and Intangible assets</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: center">13, 14</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right; background-color: white">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right; background-color: white">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3</FONT></TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right; background-color: white">-</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right">-</TD>
    <TD STYLE="border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">3</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">3</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid">Total</TD>
    <TD STYLE="font-weight: bold; font-family: Arial\; border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">198,432</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">83,914</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">23,321</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">247,656</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">553,323</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">212,163</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">82,100</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">33,117</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">217,000</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">544,380</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV - Emerging Risks</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Defined as those with a potentially material
impact on the business in the medium and long term, but for which there are not enough elements yet for their complete assessment and
mitigation due to the number of factors and impacts not yet totally known, such as geopolitical and macroeconomic risk and climate change.
Their causes can be originated by external events and result in the emergence of new risks or in the intensification of risks already
monitored by&nbsp;ITA&Uacute; UNIBANCO HOLDING.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The identification and monitoring of Emerging
Risks are ensured by ITA&Uacute; UNIBANCO HOLDING&#8217;s governance, allowing these risks to be incorporated into risk management processes
too.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>V - Social, Environmental
and Climate Risks</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Social, environmental and climate risks&nbsp;are
the possibility of losses due to exposure to social,&nbsp;environmental and/or climatic events related to the activities developed by&nbsp;ITA&Uacute;
UNIBANCO HOLDING.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Social, environmental and climatic factors
are considered relevant to the business of ITA&Uacute; UNIBANCO HOLDING,&nbsp;since they may affect the creation of shared value in the
short, medium and long term.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Policy of Social, Environmental and
Climatic Risks (Risks SAC&nbsp;Policy) establishes the guidelines and underlying principles for social, environmental and climatic risk
management, addressing the most significant risks for the institution&#8217;s operation&nbsp;through specific procedures.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Actions to mitigate the&nbsp;Social, Environmental
and Climatic Risks are taken based on the mapping of processes, risks and controls, monitoring of new standards related to the theme and
recording of occurrence in internal systems. In addition to the identification, the phases of prioritization, response to risk, mitigation,
monitoring and reporting of assessed risks supplement the management of these risks at ITA&Uacute; UNIBANCO HOLDING.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In the management of Social, Environmental
and Climatic Risks, business areas manage the risk in its daily activities, following the&nbsp;Risks SAC&nbsp;Policy guidelines and specific
processes, with the support of specialized assessment from dedicated technical teams located in Credit, which serves the Wholesale segment,
Credit Risk and Modeling, and Institutional Legal teams, that act on an integrated way in the management of all dimensions of the&nbsp;Social,
Environmental and Climatic Risks related to the conglomerate&#8217;s activities. As an example of specific guidelines for the management
of these risks, ITA&Uacute; UNIBANCO HOLDING has specific governance for granting and renewing credit in senior approval levels for clients
in certain economic sectors, classified as Sensitive Sectors (Mining, Steel &amp; Metallurgy, Oil &amp; Gas, Textiles Industry and Retail
Clothing, Paper &amp; Pulp, Chemicals &amp; Petrochemicals, Agri - Meatpacking, Agri - Crop Protection and Fertilizers, Wood, Energy,
Rural Producers and Real Estate), for which there is an individualized analysis of Social, Environmental and Climate Risks. The institution&nbsp;also
counts with specific procedures for the Institution&#8217;s operation (stockholders&#8217; equity, branch infrastructure, technology and
suppliers), credit, investments and key controls. SAC Risks area,&nbsp;Internal Controls and Compliance areas, in turn, support and ensure
the governance of the activities of the business and credit areas that serves the business. The&nbsp;Internal Audit acts on an independent
manner, assessing risk management, controls and governance.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Governance also counts on the&nbsp;Social,
Environmental and Climatic Risks Committee, whose main responsibility is to assess and deliberate about institutional and strategic matters,
as well as to resolve on products, operations, and services, among others involving the Social, Environmental and Climatic Risks.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Climate Risk includes: (i) physical risks,
arising from changes in weather patterns, such as increased rainfall, and temperature and extreme weather events, and (ii) transition
risks, resulting from changes in the economy, as a result of climate actions, such as carbon pricing, climate regulation, market risks
and reputational risks.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Considering its relevance, climate risk
has become one of the main priorities for&nbsp;ITA&Uacute; UNIBANCO HOLDING, which supports the Task Force on Climate-related Financial
Disclosures (TCFD) and it is committed to maintaining a process of evolution and continuous improvement within the pillars recommended
by the TCFD. With this purpose,&nbsp;ITA&Uacute; UNIBANCO HOLDING&nbsp;is strengthening the governance and strategy related to Climate
Risk and developing tools and methodologies to assess and manage these risks.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;measures
the sensitivity of the credit portfolio to climate risks by applying the Climate Risk Sensitivity Assessment Tool, developed by Febraban.
The tool combines relevance and proportionality criteria to identify the sectors and clients within the portfolio that are more sensitive
to climate risks, considering physical and transition risks.&nbsp;The sectors with the highest probability of suffering financial impacts
from climate change, following the&nbsp;TCFD guidelines, are:
energy, transport, materials and construction, agriculture, food and forestry products.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>c) Capital Management
Governance</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;is subject
to the regulations of BACEN, which determines minimum capital requirements, procedures to obtain information to assess the global systemic
importance of banks, fixed asset limits, loan limits and accounting practices, and requires banks to conform to the regulations based
on the Basel Accord for capital adequacy. Additionally, CNSP and SUSEP issue regulations on capital requirements that affect our insurance
operations and private pension and premium bonds plans.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The capital statements were prepared in
accordance with BACEN&#8217;s regulatory requirements and with internationally accepted minimum requirements according to the Bank for
International Settlements (BIS).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>I - Composition and Capital
Adequacy</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Board of Directors is the body responsible
for approving the institutional capital management policy and guidelines for the capitalization level of&nbsp;ITA&Uacute; UNIBANCO HOLDING.
The Board is also responsible for the full approval of the ICAAP (Internal Capital Adequacy Assessment Process) report, the purpose of
which is to assess the capital adequacy of&nbsp;ITA&Uacute; UNIBANCO HOLDING.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The result of the last ICAAP, which comprises
stress tests &#8211; which was dated December 2022 &#8211; indicated that ITA&Uacute; UNIBANCO HOLDING&nbsp;has, in addition to capital
to cover all material risks, a significant capital surplus, thus assuring the solidity of the institution&#8217;s equity position.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In order to ensure that&nbsp;ITA&Uacute;
UNIBANCO HOLDING&nbsp;is sound and has the capital needed to support business growth, the institution maintains PR levels above the minimum
level required to face risks, as demonstrated by the Common Equity Tier I,&nbsp;Tier I Capital and Total Capital ratios.</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid; width: 80%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 10%">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center; width: 10%">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: left">Available capital (amounts)</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Common Equity Tier 1 (CET 1)</TD>
    <TD STYLE="text-align: right">159,227</TD>
    <TD STYLE="text-align: right">147,781</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Tier 1</TD>
    <TD STYLE="text-align: right">177,795</TD>
    <TD STYLE="text-align: right">166,868</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Total capital (PR)</TD>
    <TD STYLE="text-align: right">197,653</TD>
    <TD STYLE="text-align: right">185,415</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Risk-weighted assets (amounts)</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid; text-align: left">Total risk-weighted assets (RWA)</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">1,214,849</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">1,238,582</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Risk-based capital ratios as a percentage of RWA</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid; text-align: left">Common Equity Tier 1 ratio (%)</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">13.1%</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">11.9%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Tier 1 ratio (%)</TD>
    <TD STYLE="text-align: right">14.6%</TD>
    <TD STYLE="text-align: right">13.5%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Total capital ratio (%)</TD>
    <TD STYLE="text-align: right">16.3%</TD>
    <TD STYLE="text-align: right">15.0%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Additional CET1 buffer requirements as a percentage of RWA</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 0.5pt solid; text-align: left">Capital conservation buffer requirement (%)</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">2.50%</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: right">2.50%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Countercyclical buffer requirement (%)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Bank G-SIB and/or D-SIB additional requirements (%)</TD>
    <TD STYLE="text-align: right">1.0%</TD>
    <TD STYLE="text-align: right">1.0%</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="text-align: left">Total of bank CET1 specific buffer requirements (%)</TD>
    <TD STYLE="text-align: right">3.50%</TD>
    <TD STYLE="text-align: right">3.50%</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"> </P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">At&nbsp;09/30/2023,&nbsp;the amount of perpetual
subordinated debt that makes up Tier I capital is&nbsp;R$ 17,809&nbsp;(R$ 18,336&nbsp;at&nbsp;12/31/2022) and the amount of perpetual
subordinated debt that makes up Tier capital II is&nbsp;R$ 19,585&nbsp;(R$ 18,431&nbsp;at&nbsp;12/31/2022).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Basel Ratio reached&nbsp;16.3%&nbsp;at&nbsp;09/30/2023,
an increase of&nbsp;1.3&nbsp;p.p. compared to&nbsp;12/31/2022,&nbsp;due to the result for the period and reduction of Risk-Weighted Assets.
In Risk-Weighted Assets, noteworthy is the reduction in the credit component due to the enactment of BACEN Resolution N&ordm; 229 and
evolution of internal models.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Additionally,&nbsp;ITA&Uacute; UNIBANCO
HOLDING&nbsp;has a surplus over the required minimum Total capital of&nbsp;R$ 100,465 (R$ 86,328 at 12/31/2022), well above the Capital&nbsp;buffer
requirement of R$ 42,520&nbsp;(R$ 43,350&nbsp;at 12/31/2022),&nbsp;widely covered by available capital.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The fixed assets ratio indicates the commitment
percentage of adjusted Total capital&nbsp; with adjusted permanent assets. ITA&Uacute; UNIBANCO HOLDING falls within the maximum limit
of 50% of adjusted Total capital, established by BACEN. At 09/30/2023, fixed assets ratio reached&nbsp;20.3%&nbsp;(19.9%&nbsp;at&nbsp;12/31/2022),
showing a surplus of&nbsp;R$ 58,676&nbsp;(R$ 55,748&nbsp;at&nbsp;12/31/2022).</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>II - Risk-Weighted Assets
(RWA)</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For calculating minimum capital requirements,
RWA must be obtained by taking the sum of the following risk exposures:</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>RWA<SUB>CPAD</SUB>
= portion related to exposures to credit risk, calculated using standardized approach.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>RWA<SUB>CIRB</SUB>
= portion related to exposures to credit risk, calculated according to internal credit risk rating systems&nbsp;(IRB - Internal Ratings-Based
approaches), authorized by the Central Bank of Brazil.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>RWA<SUB>MPAD</SUB>
= portion related to the market risk capital requirement, calculated using standardized approach.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>RWA<SUB>MINT</SUB>
= portion related to the market risk capital requirement, calculated according to internal model approaches, authorized by the Central
Bank of Brazil.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><FONT STYLE="font-size: 15pt; line-height: 107%">&nbsp;&nbsp;&nbsp;&nbsp;&#8226;&nbsp;&nbsp;&nbsp;</FONT>RWA<SUB>OPAD</SUB>
= portion related to the operational risk capital requirement, calculated using standardized approach.</P>

<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">RWA</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: left; width: 76%">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 12%">09/30/2023</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center; width: 12%">12/31/2022 (1)</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Credit risk (excluding counterparty credit risk)</TD>
    <TD STYLE="font-weight: bold; text-align: right">972,082</TD>
    <TD STYLE="font-weight: bold; text-align: right">1,016,137</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Of which: standardised approach for credit risk</TD>
    <TD STYLE="text-align: right; background-color: white">913,042</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">1,016,137</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Of which: foundation internal rating-based approach (F-IRB)</TD>
    <TD STYLE="text-align: right; background-color: white">0</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px">Of which: advanced internal rating-based approach (A-IRB)</TD>
    <TD STYLE="text-align: right; background-color: white">59,040</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">0</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Counterparty credit risk (CCR)</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">30,061</FONT></TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">40,222</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Of which: standardized approach for counterparty credit risk (SA-CCR)</TD>
    <TD STYLE="text-align: right; background-color: white">21,946</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">25,361</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: left">Of which: other CCR</TD>
    <TD STYLE="text-align: right; background-color: white">8,115</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">14,861</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Equity investments in funds - look-through approach</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">6,076</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">8,002</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Equity investments in funds - mandate-based approach</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">0</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">104</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Equity investments in funds - fall-back approach</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">2,234</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,461</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: left">Securitisation exposures in banking book</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">3,712</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">4,408</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Market Risk</TD>
    <TD STYLE="text-align: right; background-color: white">46,589</TD>
    <TD STYLE="text-align: right; background-color: white">30,935</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Of which: standardized approach (RWA<SUB>MPAD</SUB>)</FONT></TD>
    <TD STYLE="text-align: right; background-color: white">56,438</TD>
    <TD STYLE="text-align: right; background-color: white">36,745</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="padding-left: 12px; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 400">Of which: internal models approach (RWA<SUB>MINT</SUB>)</FONT></TD>
    <TD STYLE="text-align: right; background-color: white">22,405</TD>
    <TD STYLE="text-align: right; background-color: white">23,097</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; text-align: justify">Operational Risk</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">103,094</TD>
    <TD STYLE="font-weight: bold; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">96,590</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold">Payment Services risk (RWASP)</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">NA</TD>
    <TD STYLE="font-weight: bold; text-align: right; background-color: white">NA</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: left">Amounts below the thresholds for deduction</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right; background-color: white">51,001</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 0.5pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">40,723</FONT></TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: justify">Total</TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,214,849</FONT></TD>
    <TD STYLE="font-weight: bold; border-bottom: black 1pt solid; text-align: right; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">1,238,582</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font-size: 9pt; text-align: justify">1) For comparative purposes, the allocation of the value of the historical RWAcva portion was adapted according to BACEN Regulatory Instruction No. 385/23.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>III - Recovery Plan</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In response to the latest international
crises, the Central Bank published Resolution No. 4,502, which requires the development of a Recovery Plan by financial institutions within
Segment 1, with total exposure to GDP of more than 10%. This plan aims to reestablish adequate levels of capital and liquidity above regulatory
operating limits in the face of severe systemic or idiosyncratic stress shocks. In this way, each institution could preserve its financial
viability while also minimizing the impact on the National Financial System.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV - Stress testing</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The stress test is a process of simulating
extreme economic and market conditions on ITA&Uacute; UNIBANCO HOLDING&#8217;s results, liquidity and capital. The institution has been
carrying out this test in order to assess its solvency in plausible scenarios of crisis, as well as to identify areas that are more susceptible
to the impact of stress that may be the subject of risk mitigation.&nbsp;</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For the purposes of the test, the economic
research area estimates macroeconomic variables for each stress scenario. The elaboration of stress scenarios considers the qualitative
analysis of the Brazilian and the global conjuncture, historical and hypothetical elements, short and long term risks, among other aspects,
as defined in CMN Resolution 4,557.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In this process, the main potential risks
to the economy are assessed based on the judgment of the bank's team of economists, endorsed by the Chief Economist of&nbsp;ITA&Uacute;
UNIBANCO HOLDING and approved by the Board of Directors. Projections for the macroeconomic variables (such as GDP, basic interest rate,
exchange rates and inflation) and for variables in the credit market (such as raisings, lending, rates of default, margins and charges)
used are based on exogenous shocks or through use of models validated by an independent area.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Then, the stress scenarios adopted are used
to influence the budgeted result and balance sheet. In addition to the scenario analysis methodology, sensitivity analysis and the Reverse
Stress Test are also used.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;uses the
simulations to manage its portfolio risks, considering Brazil (segregated into wholesale and retail) and External Units, from which the
risk-weighted assets and the capital and liquidity ratios are derived.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The stress test is also an integral part
of the ICAAP, the main purpose of which is to assess whether, even in severely adverse situations, the institution would have adequate
levels of capital and liquidity, without any impact on the development of its activities.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">This information enables potential offenders
to the business to be identified and provides support for the strategic decisions of the Board of Directors, the budgeting and risk management
process, as well as serving as an input for the institution&#8217;s risk appetite metrics.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>V - Leverage Ratio</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The Leverage Ratio is defined as the ratio
between Tier I Capital and Total Exposure, calculated according to BACEN Circular 3,748, which minimum requirement is of 3%. The ratio
is intended to be a simple measure of non-risk-sensitive leverage, and so it does not take into account risk weights or risk mitigation.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>d) Management risks of
insurance contracts and private pension</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>I - Management structure,
roles and responsibilities</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;has specific
committees, whose assignment is to define and establish guidelines for the management of funds from insurance contracts and private pension,
with the objective of long-term profitability, and to establish assessment models, risk limits and resource allocation strategies in defined
financial assets.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>II - Underwriting risk</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">In addition to the risks inherent in financial
instruments related to insurance&nbsp;contracts and private pension, operations carried out at&nbsp;ITA&Uacute; UNIBANCO HOLDING cause
exposure to underwriting risk.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Underwriting risk is the risk of significant
deviations in the methodologies and/or assumptions used for pricing products that may adversely affect ITA&Uacute; UNIBANCO HOLDING, which
may be consummated in different ways, depending on the product offered:&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">(i) Insurance: results from the change
in risk behavior in relation to the increase in the frequency and/or severity of claims incurred, contrary to pricing estimates.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt 7.5pt; text-align: justify">(ii) Private Pension: is observed
in the increase in life expectancy or deviation from the assumptions adopted in the estimates of future cash flows.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The measurement of exposure to underwriting
risk is based on the analysis of the actuarial assumptions adopted in the recognition of liabilities and pricing of products through i)
monitoring the evolution of equity required to mitigate the risk of insolvency or liquidity; ii) follow-up of portfolios, products, and
coverage, from the perspective of results, adherence to expected rates and expected behavior of loss ratio.</P>


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<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Exposure to underwriting risk is managed
and monitored in accordance with risk appetite levels approved by Management and is controlled using indicators that allow the creation
of stress scenarios and simulations of the portfolio.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>II.I Risk Concentrations</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">For&nbsp;ITA&Uacute; UNIBANCO HOLDING there
is no concentration of products in relation to insurance premiums, thus reducing the risk of concentration in products and distribution
channels. ITA&Uacute; UNIBANCO HOLDING's insurance and private pension operations are mainly related to death and survivorship coverage.</P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR>
    <TD STYLE="color: #EC7000; font-weight: bold; vertical-align: top; text-align: justify; background-color: white; width: 41%">II.II - Sensitivity analysis</TD>
    <TD STYLE="vertical-align: middle; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; width: 15%">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; width: 15%">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; width: 15%">&nbsp;</TD>
    <TD STYLE="vertical-align: middle; width: 13%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD COLSPAN="6" STYLE="text-align: justify">The sensitivity analysis considers a vision impacts caused by changes in assumptions, which could affect the income and stockholders&rsquo; equity at the report date. This type of analysis is usually conducted under the ceteris paribus condition, in which the sensitivity of a system is measured when one variable of interest is changed and all the others remain unchanged. The results obtained are shown in the table below:</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD ROWSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">Assumptions</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">09/30/2023</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Impact in Income</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Impact in Stockholders&rsquo; Equity</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Insurance</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Private pension</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Insurance</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Private pension</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Discount rate</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="text-align: center">0.5% increase</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">(20)</TD>
    <TD STYLE="text-align: right">45</TD>
    <TD STYLE="text-align: right">601</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="text-align: center">0.5% decrease</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">16</TD>
    <TD STYLE="text-align: right">(50)</TD>
    <TD STYLE="text-align: right">(661)</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Biometric tables</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="text-align: center">5% increase</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(3)</TD>
    <TD STYLE="text-align: right">47</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="text-align: center">5% decrease</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD STYLE="text-align: right">(49)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; text-align: center">Claims</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD>
    <TD STYLE="border-top: black 0.5pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="text-align: center">5% increase</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(30)</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: middle; background-color: white">
    <TD STYLE="text-align: center">5% decrease</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">30</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: right">-</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"> </P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>III - Liquidity risk</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Liquidity risk management for insurance
and private pension operations is performed on an ongoing basis, based on monitoring the flow of payments related to its liabilities,
the flow of receipts generated by operations and the portfolio of financial assets.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Financial assets are managed with the purpose
of optimizing the relationship between risk and return on investments, considering the characteristics of their liabilities. Accordingly,
investments are concentrated in government and corporate securities with good credit quality in active and liquid markets, keeping a considerable
amount invested in short-term assets, with immediate liquidity, to meet regular and contingent liquidity needs. In addition,&nbsp;ITA&Uacute;
UNIBANCO HOLDING constantly monitors the solvency conditions of its operations.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Below is a maturity analysis of estimated
undiscounted future cash flows from insurance contracts and private pension, considering assumptions of inflows, outflows and discount
rates (Note&nbsp;27c):</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">&nbsp;</P>


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<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B></B></P>

<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Arial, Helvetica, Sans-Serif">
  <TR STYLE="vertical-align: middle">
    <TD ROWSPAN="2" STYLE="font-weight: bold; border-top: black 1pt solid; border-bottom: black 0.5pt solid; text-align: center">Period</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">09/30/2023</TD>
    <TD STYLE="border-top: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; border-top: black 1pt solid; text-align: center">12/31/2022</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Insurance</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Private pension</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Total</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Insurance</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Private pension</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 0.5pt solid; text-align: center">Total</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="width: 21%">1 year</TD>
    <TD STYLE="text-align: right; width: 13%">(767)</TD>
    <TD STYLE="text-align: right; width: 13%">17,296</TD>
    <TD STYLE="text-align: right; width: 13%">16,529</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 13%">(660)</TD>
    <TD STYLE="text-align: right; width: 13%">16,603</TD>
    <TD STYLE="text-align: right; width: 13%">15,943</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>2 years</TD>
    <TD STYLE="text-align: right">(312)</TD>
    <TD STYLE="text-align: right">19,557</TD>
    <TD STYLE="text-align: right">19,245</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(232)</TD>
    <TD STYLE="text-align: right">18,773</TD>
    <TD STYLE="text-align: right">18,541</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>3 years</TD>
    <TD STYLE="text-align: right">(252)</TD>
    <TD STYLE="text-align: right">18,583</TD>
    <TD STYLE="text-align: right">18,331</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(186)</TD>
    <TD STYLE="text-align: right">17,835</TD>
    <TD STYLE="text-align: right">17,649</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>4 years</TD>
    <TD STYLE="text-align: right">(163)</TD>
    <TD STYLE="text-align: right">17,893</TD>
    <TD STYLE="text-align: right">17,730</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(120)</TD>
    <TD STYLE="text-align: right">17,113</TD>
    <TD STYLE="text-align: right">16,993</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>5 years</TD>
    <TD STYLE="text-align: right">(70)</TD>
    <TD STYLE="text-align: right">17,304</TD>
    <TD STYLE="text-align: right">17,234</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(50)</TD>
    <TD STYLE="text-align: right">16,498</TD>
    <TD STYLE="text-align: right">16,448</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD>Over 5 years</TD>
    <TD STYLE="text-align: right">1,827</TD>
    <TD STYLE="text-align: right">411,536</TD>
    <TD STYLE="text-align: right">413,363</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,891</TD>
    <TD STYLE="text-align: right">378,341</TD>
    <TD STYLE="text-align: right">380,232</TD></TR>
  <TR STYLE="vertical-align: middle">
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: 700">Total <SUP>(1)</SUP></FONT></TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">263</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">502,169</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">502,432</TD>
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">643</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">465,163</TD>
    <TD STYLE="font-weight: bold; border-top: black 0.5pt solid; border-bottom: black 1pt solid; text-align: right">465,806</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="font-size: 9pt; text-align: justify">1) Refers to (inflows) and outflows of cash flows related to insurance contracts and private pension.</TD></TR>
  </TABLE>
<P STYLE="font: 9pt/107% Sans-Serif; margin: 0 0 8pt; color: Red"><B> </B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;holds&nbsp;R$
249,274 (R$ 224,140&nbsp;at&nbsp;12/31/2022) referring to amounts that are payable or demand, which represent contributions made by insured
parties that can be redeemed at any time. All these amounts refer to contracts issued that are liabilities, and no group of contracts
was in asset position in the period.&nbsp;</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>IV - Credit risk</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">The credit risk arising from insurance contract
premiums is not material, as cases with unpaid coverage are canceled after 90 days.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Reinsurance operations are controlled through
an internal policy, observing the regulator's guidelines regarding the reinsurers with which&nbsp;ITA&Uacute; UNIBANCO HOLDING operates.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Taking out reinsurance is subject to an
assessment of the reinsurer's credit risk and the operational limits for its consummation, and monitoring is carried out during the effectiveness
to identify signs of deterioration that lead to changes in the analyzes conducted.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #003399"><B>Note 33 - Supplementary
information</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>a) Acquisition of Avenue
Holding Cayman Ltd</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">On July 08, 2022, ITA&Uacute; UNIBANCO HOLDING
entered into a share purchase agreement with Avenue Controle Cayman Ltd and other selling stockholders for the acquisition of control
of Avenue Holding Cayman Ltd (AVENUE). The purchase will be carried out in three phases over five years. In the first phase, ITA&Uacute;
UNIBANCO HOLDING will acquire 35% of AVENUE&#8217;s capital, which will become a joint venture, for approximately R$ 493. In the second
phase, after two years, ITA&Uacute; UNIBANCO HOLDING will acquire additional ownership interest of 15.1%, then holding control with 50.1%
of AVENUE&#8217;s capital. After five years of the first phase, ITA&Uacute; UNIBANCO HOLDING may exercise a call option for the remaining
ownership interest.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">AVENUE holds a U.S. digital securities broker
aimed to democratize the access of Brazilian investors to the international market.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">Regulatory approvals were completed on October
31, 2023 and the process for the acquisition and financial settlement is ongoing.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify; color: #EC7000"><B>b) &#8220;Coronavirus&#8221;
COVID-19 effects</B></P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify">ITA&Uacute; UNIBANCO HOLDING&nbsp;incorporated
into its processes the monitoring of the economic effects of the COVID-19 pandemic in Brazil and the other countries where it operates,
which may adversely affect its Profit or Loss.&nbsp;Even after the end of the state of public health emergency in Brazil announced in
May 2022,&nbsp;ITA&Uacute; UNIBANCO HOLDING will continue to monitor the impacts of the COVID-19 pandemic and following health and health
surveillance recommendations so as to ensure safety of its employees and clients.</P>

<P STYLE="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt">&nbsp;</P>



<P STYLE="margin: 0">&nbsp;</P>

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