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Segment Information (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2024
Segment Information |
Schedule of operating segments |
Schedule of operating segments |  |  |  |  |  |
|  | 01/01 to 12/31/2024
| Retail Business | Wholesale Business | Activities with the Market + Corporation | ITAÚ UNIBANCO | Adjustments | IFRS consolidated (1)
Operating revenues | 101,057 | 58,014 | 9,887 | 168,958 | (908) | 168,050
Interest margin | 61,956 | 41,259 | 9,232 | 112,447 | (8,599) | 103,848
Commissions and Banking Fees | 28,559 | 16,176 | 375 | 45,110 | 1,961 | 47,071
Income from insurance and private pension operations before claim and selling expenses | 10,542 | 579 | 280 | 11,401 | (4,419) | 6,982
Other revenues | - | - | - | - | 10,149 | 10,149
Cost of Credit | (29,819) | (4,675) | - | (34,494) | 2,183 | (32,311)
Claims | (1,589) | (26) | - | (1,615) | 1,615 | -
Operating margin | 69,649 | 53,313 | 9,887 | 132,849 | 2,890 | 135,739
Other operating income / (expenses) | (48,552) | (21,248) | (2,541) | (72,341) | (15,842) | (88,183)
Non-interest expenses | (41,946) | (18,438) | (1,755) | (62,139) | (17,277) | (79,416)
Tax expenses for ISS, PIS and COFINS and Other | (6,606) | (2,810) | (786) | (10,202) | 388 | (9,814)
Share of profit or (loss) in associates and joint ventures | - | - | - | - | 1,047 | 1,047
Income before income tax and social contribution | 21,097 | 32,065 | 7,346 | 60,508 | (12,952) | 47,556
Income tax and social contribution | (5,482) | (10,502) | (1,879) | (17,863) | 12,435 | (5,428)
Non-controlling interests | (491) | (650) | (101) | (1,242) | 199 | (1,043)
Net income | 15,124 | 20,913 | 5,366 | 41,403 | (318) | 41,085
12/31/2024 | Total assets (*) - | 1,842,885 | 1,418,456 | 243,230 | 3,048,537 | (194,062) | 2,854,475
Total liabilities - | 1,774,738 | 1,333,954 | 185,422 | 2,838,080 | (204,889) | 2,633,191
(*) Includes: |  |  |  |  |  |
Investments in associates and joint ventures | 2,343 | - | 6,214 | 8,557 | 1,517 | 10,074
Fixed assets, net |  | 7,490 | 1,590 | - | 9,080 | 113 | 9,193
Goodwill and Intangible assets, net |  | 8,808 | 9,383 | - | 18,191 | 5,806 | 23,997
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.
Interest margin includes interest and similar income and expenses of R$ 74,980 (R$ 64,135 from 01/01 to 12/31/2023), result of financial assets and liabilities at fair value through profit or loss of R$ 32,011 (R$ 29,145 from 01/01 to 12/31/2023) and foreign exchange results and exchange variations in foreign transactions of R$ (3,143) (R$ 4,432 from 01/01 to 12/31/2023). Non-interest expenses refer to general and administrative expenses, including depreciation and amortization expenses of R$ (7,177) (R$ (6,529) from 01/01 to 12/31/2023).
|  | 01/01 to 12/31/2023
| Retail Business | Wholesale Business | Activities with the Market + Corporation | ITAÚ UNIBANCO | Adjustments | IFRS consolidated (1)
Operating revenues |  | 96,595 | 54,631 | 5,572 | 156,798 | (1,827) | 154,971
Interest margin |  | 59,099 | 39,980 | 5,019 | 104,098 | (6,386) | 97,712
Commissions and Banking Fees |  | 28,016 | 14,274 | 309 | 42,599 | 3,132 | 45,731
Income from insurance and private pension operations before claim and selling expenses | 9,480 | 377 | 244 | 10,101 | (3,488) | 6,613
Other revenues |  | - | - | - | - | 4,915 | 4,915
Cost of Credit |  | (32,139) | (4,803) | - | (36,942) | 6,497 | (30,445)
Claims |  | (1,487) | (22) | - | (1,509) | 1,509 | -
Operating margin |  | 62,969 | 49,806 | 5,572 | 118,347 | 6,179 | 124,526
Other operating income / (expenses) |  | (45,560) | (20,373) | (1,864) | (67,797) | (17,029) | (84,826)
Non-interest expenses |  | (39,085) | (17,722) | (1,360) | (58,167) | (17,592) | (75,759)
Tax expenses for ISS, PIS and COFINS and Other | (6,475) | (2,651) | (504) | (9,630) | (357) | (9,987)
Share of profit or (loss) in associates and joint ventures | - | - | - | - | 920 | 920
Income before income tax and social contribution | 17,409 | 29,433 | 3,708 | 50,550 | (10,850) | 39,700
Income tax and social contribution |  | (4,232) | (9,022) | (935) | (14,189) | 8,366 | (5,823)
Non-controlling interests | (78) | (655) | (10) | (743) | (29) | (772)
Net income |  | 13,099 | 19,756 | 2,763 | 35,618 | (2,513) | 33,105
12/31/2023 | Total assets (*) - | 1,677,189 | 1,228,153 | 195,290 | 2,696,522 | (153,422) | 2,543,100
Total liabilities - | 1,610,852 | 1,150,141 | 150,705 | 2,507,587 | (163,537) | 2,344,050
(*) Includes: |  |  |  |  |  |  |
Investments in associates and joint ventures | 2,156 | - | 5,946 | 8,102 | 1,191 | 9,293
Fixed assets, net |  | 7,333 | 1,690 | - | 9,023 | 112 | 9,135
Goodwill and Intangible assets, net |  | 9,419 | 8,338 | - | 17,757 | 5,607 | 23,364
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.
|  | 01/01 to 12/31/2022
| Retail Business | Wholesale Business | Activities with the Market + Corporation | ITAÚ UNIBANCO | Adjustments | IFRS consolidated (1)
Operating revenues | 90,509 | 49,229 | 2,983 | 142,721 | (442) | 142,279
Interest margin | 54,881 | 34,701 | 2,979 | 92,561 | (5,538) | 87,023
Commissions and Banking Fees | 26,787 | 14,143 | 177 | 41,107 | 3,459 | 44,566
Income from insurance and private pension operations before claim and selling expenses | 8,841 | 385 | (173) | 9,053 | (3,646) | 5,407
Other revenues | - | - | - | - | 5,283 | 5,283
Cost of Credit | (29,908) | (2,392) | - | (32,300) | 4,563 | (27,737)
Claims | (1,538) | (11) | - | (1,549) | 1,549 | -
Operating margin | 59,063 | 46,826 | 2,983 | 108,872 | 5,670 | 114,542
Other operating income / (expenses) | (43,512) | (19,482) | (374) | (63,368) | (14,480) | (77,848)
Non-interest expenses | (37,302) | (17,019) | (312) | (54,633) | (14,297) | (68,930)
Tax expenses for ISS, PIS and COFINS and Other | (6,210) | (2,463) | (62) | (8,735) | (855) | (9,590)
Share of profit or (loss) in associates and joint ventures | - | - | - | - | 672 | 672
Income before income tax and social contribution | 15,551 | 27,344 | 2,609 | 45,504 | (8,810) | 36,694
Income tax and social contribution | (4,594) | (9,076) | (14) | (13,684) | 7,232 | (6,452)
Non-controlling interests | 45 | (825) | (254) | (1,034) | (1) | (1,035)
Net income | 11,002 | 17,443 | 2,341 | 30,786 | (1,579) | 29,207
12/31/2022 | Total assets (*) - | 1,524,983 | 1,175,209 | 171,983 | 2,469,958 | (148,892) | 2,321,066
Total liabilities - | 1,455,227 | 1,102,834 | 144,379 | 2,300,224 | (156,265) | 2,143,959
(*) Includes: |  |  |  |  |  |
Investments in associates and joint ventures |  | 2,114 | - | 4,798 | 6,912 | 531 | 7,443
Fixed assets, net |  | 5,781 | 1,282 | - | 7,063 | 704 | 7,767
Goodwill and Intangible assets, net |  | 8,660 | 9,062 | - | 17,722 | 5,392 | 23,114
1) | 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.
Schedule of result of non-current assets and main services and products by geographic region |
Schedule of result of non-current assets and main services and products by geographic region |  |  |  |  |  |  |  |  |  |
| 12/31/2024 |  | 12/31/2023 |  |  |
| Brazil | Abroad | Total |  | Brazil | Abroad | Total |  |  |
Non-current assets | 27,940 | 5,250 | 33,190 |  | 27,855 | 4,644 | 32,499 |  |  |
| 01/01 to 12/31/2024 |  | 01/01 to 12/31/2023 | 01/01 to 12/31/2022
| Brazil | Abroad | Total |  | Brazil | Abroad | Total | Brazil | Abroad | Total
Income related to interest and similar (1,2,3) | 219,281 | 51,845 | 271,126 |  | 221,534 | 34,428 | 255,962 | 173,746 | 30,024 | 203,770
Income from insurance contracts and private pension (3) | 6,982 | - | 6,982 |  | 6,613 | - | 6,613 | 5,407 | - | 5,407
Commissions and Banking Fees (3) | 41,888 | 5,183 | 47,071 |  | 41,147 | 4,584 | 45,731 | 40,062 | 4,504 | 44,566
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.
2) | ITAÚ UNIBANCO HOLDING does not have customers representing 10% or higher of its revenues.
3) | In "Brazil" geographic region the companies headquartered in the country and "Abroad" are considered; the other companies, the amounts consider the already eliminated values.

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