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Segment Information (Tables)
 12 Months Ended
Dec. 31, 2024
Segment Information  
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
                   
  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.