EX-99.1 2 announcementtothemarket-.htm EX-99.1
Announcement to the Market 3rd Quarter 2025 Results Itaú Unibanco Holding S.A. (“Company”) announces to the shareholders and to the market that the Condensed Financial Statements for the Year Ended September 30, 2025, and the Management Discussion and Analysis for the 3rd Quarter of 2025 are already available on the Investor Relations website (www.itau.com.br/investor-relations). Additionally, we forward the information described below: • Press Presentation on the quarterly results, scheduled for 11/05/2025 at 07:00 a.m. (EST) / 09:00 a.m. (Brasília time) (Attachment 01); • Presentation of the interactive meeting on the quarterly results, scheduled for Wednesday, 11/05/2025 at 08:00 a.m. (EST) / 10:00 a.m. (Brasília time) (Attachment 02); • Institutional Presentation of the 3rd quarter of 2025 (Attachment 03). The expectations and tendencies presented are based on information available up to the moment and involve risks, uncertainties, and assumptions that may be beyond our control. This information reinforces our commitment to transparency in our disclosures to various strategic audiences. São Paulo ‐ SP, November 04, 2025. Gustavo Lopes Rodrigues Investor Relations Officer

Attachment 01 (portuguese only)

1 São Paulo, 05 de Novembro de 2025

2(1) Considerando o Capital Principal (CET I) em 11,5%, no 3T25 o retorno recorrente gerencial consolidado seria de 25,4% e no Brasil seria 26,7%. (2) Inclui Títulos e Valores Mobiliários. 23,3% Carteira de crédito Resultado Recorrente Gerencial R$ 11,9 bilhões 3,2% vs. 2T25 set/25 ROE Recorrente Gerencial¹ NPL² > 90 dias set/25 3T25 24,2%Brasil Consolidado Estável vs 2T25 0,2p.p. vs 2T25 3T25 11,3% vs. 3T24 0,6 p.p. vs 3T24 0,4 p.p. vs 3T24 Serviços e seguros 3T25 4,0% vs 2T25 7,1% vs 3T24 Destaques R$ 1.337,1 bilhões Capital Principal (CET I) set/25 0,4 p.p. vs. jun/25 0,2 p.p. vs. set/24 13,5% R$ 14,7 bilhões 1,9% 2,0%Brasil Consolidado Estável vs jun/25 Estável vs jun/25 0,1 p.p. vs dez/24 0,1 p.p. vs dez/24 R$ 1.402,0 bilhões Ex-variação cambial Consolidado 0,9% vs jun/25 1,7% vs jun/25 6,4% vs set/24 7,5% vs set/24

3 em R$ bilhões Nota: no primeiro trimestre de 2025, passamos a segmentar a carteira de agronegócio de acordo com o porte das empresas e a considerar os seguintes produtos: Fundos de Direitos Creditórios, exposições a instituições financeiras e as operações de nossa trading de agronegócio. Para melhor comparabilidade a série histórica foi refeita. (1) Inclui títulos privados e garantias financeiras prestadas. Privado INSS set/25 x jun/25 Personnalité + Uniclass 4,3% Carteira de crédito set/25 jun/25 D set/24 D Pessoas físicas 456,4 451,9 1,0% 428,7 6,5% Cartão de crédito 142,2 141,1 0,8% 133,2 6,7% Crédito pessoal 68,4 67,4 1,4% 65,9 3,8% Crédito consignado 72,4 72,8 -0,5% 74,7 -3,1% Veículos 36,3 36,2 0,2% 35,9 1,2% Crédito imobiliário 137,1 134,4 2,0% 119,0 15,2% Micro, pequenas e médias empresas 278,4 275,4 1,1% 258,9 7,5% Grandes empresas 437,7 431,4 1,5% 400,2 9,4% Total Brasil 1.172,5 1.158,7 1,2% 1.087,9 7,8% América Latina 229,5 230,4 -0,4% 230,2 -0,3% Total¹ 1.402,0 1.389,1 0,9% 1.318,1 6,4% Total (ex-variação cambial) 1.402,0 1.379,1 1,7% 1.304,6 7,5% Micro, pequenas e médias empresas 278,4 274,2 1,5% 257,7 8,0% Grandes empresas 437,7 429,5 1,9% 398,7 9,8% América Latina 229,5 223,5 2,7% 219,6 4,5% 10,9% MPMEs Programas governamentais set/25 x jun/25 set/25 x set/24 23,9% set/25 x jun/25 9,5% Consignado 2,8% 110,5% set/25 x set/24 Cartões de crédito R$ 24 bilhões Originação em 9M25 + 24% YoY Maior banco privado em Crédito Imobiliário 47% market share entre os privados Setor público 1,1% set/25 x jun/25 Crédito rotativo 5,0% set/25 x set/24 15,0% Crédito pessoal Composição de dívida 3,4% 12,4% Crediário 3,1% 9,6% set/25 x set/24 9,5% 6,5% 0,7%

4 (1) A partir do 1º trimestre de 2025, a receita de adquirência, além da receita com pacotes de conta corrente PJ e receitas com Pix PJ, foi consolidada na linha de pagamentos e recebimentos (anteriormente serviços de recebimento). Para comparabilidade os períodos anteriores foram reclassificados. (2) Considera receitas de administração de fundos e de administração de consórcios; (3) Inclui as receitas de seguros, previdência e capitalização, após as despesas com sinistros e de comercialização; (4) Fonte: Anbima; (5) Operações de seguros nos produtos de bancassurance nos ramos de vida, patrimoniais, de crédito e seguros de terceiros. 1 2 em R$ bilhões Receita de serviços e resultado de seguros 3 Seguros5 9M25 x 9M24 14,0% Crescimento de prêmios ganhos concentrado em Seguros de Vida e Prestamista Prêmios ganhos 17,3%Resultado recorrente 25% de market share Líder4 em originação e distribuição de renda fixa em 9M25 R$ 91 bi Volume originado Adquirência – volume transacionado 3T25 x 2T25 3T25 x 3T24 12,8%6,6%R$ 258 bi 3T25 2T25 D 3T24 D 9M25 9M24 D Cartões emissor 3,3 3,3 2,1% 3,2 6,1% 9,9 9,4 5,1% Conta corrente pessoa física 0,7 0,8 -7,2% 0,9 -20,3% 2,3 2,7 -15,9% Operações de crédito e garantias prestadas 0,6 0,6 0,7% 0,7 -11,4% 1,9 2,1 -8,9% Pagamentos e recebimentos 2,5 2,4 3,7% 2,3 8,0% 7,3 6,8 6,1% Administração de recursos 1,9 1,9 -1,6% 1,7 9,9% 5,5 4,8 13,0% Assessoria econômico-financeira e corretagem 1,2 0,9 33,7% 1,1 9,8% 3,2 3,7 -14,6% Outros Brasil 0,5 0,4 12,3% 0,4 28,8% 1,3 1,1 19,7% América Latina 1,0 1,0 -2,7% 1,0 2,5% 3,0 2,7 12,8% Receitas de serviços 11,8 11,3 3,6% 11,2 4,7% 34,3 33,4 2,7% Resultado de seguros, previdência e capitalização 3,0 2,8 5,7% 2,5 17,8% 8,4 7,2 17,1% Serviços e seguros 14,7 14,2 4,0% 13,8 7,1% 42,7 40,6 5,3%

5 3,8% 3,6% 3,6% 3,6% 1,7% 1,6% 1,6% 1,7% 0,13% 0,10% 0,08% 0,11% dez/24 mar/25 jun/25 set/25 NPL 15 - 90 dias - % Pessoas físicas Brasil Total Micro, pequenas e médias empresas América Latina Grandes empresas consolidado Qualidade do crédito NPL 90 dias - % Brasil consolidado Brasil Nota: No terceiro trimestre de 2025, realizamos vendas de créditos com baixa probabilidade de recuperação para empresas não ligadas e sem retenção de riscos, que estariam ativos ao final de setembro/25 no valor de R$ 71 milhões do segmento de grandes empresas com impacto de 0,02 p.p. no indicador de NPL 90 dias de grandes empresas e de 0,01 p.p. tanto no indicador do Brasil quanto no total. 2,8% 3,1% 3,0% 3,0% 1,2% 1,2% 1,2% 1,3% 0,02% 0,09% 0,1% 1,0% 0,1% dez/24 mar/25 jun/25 set/25 1,6% 1,8% 1,7% 2,0% 1,5% 1,7% 1,6% 1,9% 2,3% 2,2% 2,3% 2,2% 1,7% 1,6% dez/24 mar/25 jun/25 set/25 2,0% 1,9% 1,9% 1,9% 2,1% 2,0% 2,0% 2,0% 1,3% 1,4% 1,4% 1,3% dez/24 mar/25 jun/25 set/25 ex- impacto de cliente corporativo específico ex- impacto de cliente corporativo específico

6 4,4% 4,4% 4,3% 4,2% 6,0% 5,8% 5,9% 5,8% 4,2% 4,3% 4,2% 4,0% 3,5% 3,5% 3,3% 3,3% dez/24 mar/25 jun/25 set/25 55,0% 56,1% 55,8% 55,9% 59,8% 61,4% 59,2% 59,6% 42,4% 43,1% 43,4% 40,2% 55,3% 55,9% 57,1% 57,8% dez/24 mar/25 jun/25 set/25 Carteira Estágio 2 Pessoas físicas Total América Latina Pessoas Jurídicas Qualidade de Crédito – Indicadores Resolução 4.966 Carteira Estágio 3 4,1% 4,3% 4,2% 4,1% 7,7% 8,0% 7,8% 7,6% 4,6% 4,6% 4,6% 4,4% 1,7% 1,8% 1,8% 1,9% dez/24 mar/25 jun/25 set/25 22,9% 23,7% 24,1% 23,9% 24,5% 26,1% 26,5% 26,5% 16,9% 16,6% 16,7% 14,5% 23,9% 22,9% 23,6% 24,2% dez/24 mar/25 jun/25 set/25 Cobertura Estágio 3Cobertura Estágio 2

7 ‘‘ BrasilConsolidado Índice de Eficiência em R$ bilhões Despesas não decorrentes de juros 3T25 2T25 D 3T24 D 9M25 9M24 D Comercial e administrativa (pessoal) (6,3) (6,1) 3,6% (6,1) 4,3% (18,2) (17,4) 5,0% Transacionais (pessoal, operações e atendimento) (4,5) (4,3) 4,9% (4,1) 9,9% (12,8) (11,9) 7,4% Tecnologia (pessoal e infraestrutura) (3,1) (2,9) 7,4% (2,7) 17,3% (8,7) (7,2) 20,4% Outras despesas (1,0) (1,0) 0,1% (1,0) -1,3% (2,9) (2,8) 4,1% Total - Brasil (14,9) (14,3) 4,5% (13,8) 8,0% (42,7) (39,3) 8,5% América Latina (2,2) (2,2) 0,6% (2,1) 4,6% (6,8) (6,1) 11,6% Despesas não decorrentes de juros (17,2) (16,5) 4,0% (15,9) 7,6% (49,4) (45,4) 8,9% 46,0% 46,3% 44,4% 41,6% 39,8% 39,1% 38,8%44,5% 44,3% 42,5% 39,0% 37,8% 37,5% 36,9% 9M19 9M20 9M21 9M22 9M23 9M24 9M25

8 Capital principal (CET I) - jun/25 Lucro líquido do trimestre Índice de Capital nível I - set/25 13,1% + 0,8% Ajustes prudenciais e patrimoniais + 0,1% 1,3%² 13,5% (1) Excluindo a variação cambial do período, que foi considerada na coluna de ajustes prudenciais e patrimoniais junto com o hedge do índice de capital. (2) A emissão das Letras Financeiras Subordinadas Perpétuas descritas no Comunicado ao Mercado de 08/10/2025 levará o Capital Complementar Nível 1 (AT1) a 1,5%, considerando o limite da Res. CMN Nº 4.958. Não fosse esse limite, o Capital Complementar Nível 1 (AT1) seria 1,6%. Capital Ativos ponderados pelo risco1 - 0,2% 14,8% Capital principal (CET I) Capital complementar nível I (AT1) Dividendos, juros sobre capital próprio e recompra de ações - 0,4%

9 ‘ (1) Inclui garantias financeiras prestadas e títulos privados; (2) Composto por despesa de perda esperada, descontos concedidos e recuperação de créditos baixados como prejuízo; (3) Receitas de prestação de serviços (+) resultado de operações de seguros, previdência e capitalização (-) despesas com sinistros (-) despesas de comercialização de seguros, previdência e capitalização. Anterior Carteira de crédito total¹ Margem financeira com clientes Custo do crédito² Margem financeira com o mercado Receita de prestação de serviços e resultado de seguros³ Despesas não decorrentes de juros Alíquota efetiva de IR/CS Crescimento entre 4,5% e 8,5% Entre 28,5% e 30,5% Crescimento entre 5,5% e 8,5% Crescimento entre 4,0% e 7,0% Entre R$ 34,5 bi e R$ 38,5 bi Entre R$ 1,0 bi e R$ 3,0 bi Crescimento entre 11,0% e 14,0% Guidance 2025 Revisado Entre R$ 3,0 bi e R$ 3,5 bi Mantido Mantido Mantido Mantido Mantido Mantido

10 São Paulo, 05 de Novembro de 2025

Attachment 02

1 São Paulo, November 5th, 2025

2(1) Considering the Common Equity Tier I (CET I) at 11.5%, in 3Q25 the consolidated recurring managerial return would have been 25.4% and 26.7% in Brazil.(2) Includes securities. 23.3% Credit portfolio Recurring Managerial Result R$11.9 billion 3.2% vs. 2Q25 Sep-25 Recurring Managerial ROE¹ 90 days NPL² Sep-25 3Q25 24.2%Brazil Consolidated Stable vs 2Q25 0.2p.p. vs 2Q25 3Q25 11.3% vs. 3Q24 0.6 p.p. vs 3Q24 0.4 p.p. vs 3Q24 Commissions and insurance 3Q25 4.0% vs 2Q25 7.1% vs 3Q24 Highlights R$ 1.337,1 bilhões Common Equity Tier I (CET I) Sep-25 0.4 p.p. vs. Jun-25 0.2 p.p. vs. Sep-24 13.5% R$14.7 billion 1.9% 2.0%Brazil Consolidated Stable vs Jun-25 Stable vs Jun-25 0.1 p.p. vs Dec-24 0.1 p.p. vs Dec-24 R$1,402.0 billion Ex-fx variation Consolidated 0.9% vs Jun-25 1.7% vs jJun-25 6.4% vs Sep-24 7.5% vs Sep-24

3Note: in the first quarter of 2025, the agribusiness portfolio was reclassified according to the size of the companies and the following products were included: FiDC, exposures to financial institutions and the operations of our agribusiness trading company. For comparability purpose, the historical data was adjusted. (1) Includes private securities and financial guarantees provided. Private sector Retirees (INSS) Sep-25 x Jun-25 Personnalité + Uniclass 4.3% Credit portfolio 10.9% Very Small, Small and Middle mkt companies Government facilities Sep-25 x Jun-25 Sep-25 x Sep-24 23.9% Sep-25 x Jun-25 9.5% Payroll loans 2.8% 110.5% Sep-25 x Sep-24 Credit card R$24 billion Origination in 9M25 + 24% YoY Largest private bank in Mortgage 47% market share among private banks Public sector 1.1% Sep-25 x Jun-25 Revolving credit 5.0% Sep-25 x Sep-24 15.0% Personal loans Refinancing credit 3.4% 12.4% Consumer credit 3.1% 9.6% Sep-25 x Sep-24 9.5% 6.5% 0.7% in R$ billion Sep-25 Jun-25 D Sep-24 D Individuals 456.4 451.9 1.0% 428.7 6.5% Credit card loans 142.2 141.1 0.8% 133.2 6.7% Personal loans 68.4 67.4 1.4% 65.9 3.8% Payroll loans 72.4 72.8 -0.5% 74.7 -3.1% Auto loans 36.3 36.2 0.2% 35.9 1.2% Mortgage 137.1 134.4 2.0% 119.0 15.2% Very small, small and middle market loans 278.4 275.4 1.1% 258.9 7.5% Corporate loans 437.7 431.4 1.5% 400.2 9.4% Total Brazil 1,172.5 1,158.7 1.2% 1,087.9 7.8% Latin America 229.5 230.4 -0.4% 230.2 -0.3% Total¹ 1,402.0 1,389.1 0.9% 1,318.1 6.4% Total (ex-fx variation) 1,402.0 1,379.1 1.7% 1,304.6 7.5% Very small, small and middle market loans 278.4 274.2 1.5% 257.7 8.0% Corporate loans 437.7 429.5 1.9% 398.7 9.8% Latin America 229.5 223.5 2.7% 219.6 4.5%

4 R$0.2 bn (+0.5%) in R$ billion Annualized average margin Brazil Annualized average margin consolidated 8.7% 8.6% 9.0% 9.2% 9.0% 6.0% 5.9% 6.1% 6.3% 6.2% 3T24 4T24 1T25 2T25 3T25 9.5% 9.3% 9.8% 10.0% 9.8% 6.5% 6.3% 6.6% 6.9% 6.7% 3T24 4T24 1T25 2T25 3T25 Financial Margin with Clients R$10.7 bn (+13.4%) 9M25 x 9M24 Margin with clients Risk-adjusted margin with clients (1) Includes capital allocated to the business areas (except treasury), in addition to working capital of the corporation; (2) Change in the composition of assets with credit risk between periods in Brazil; (3) Latin America and structured wholesale operations and acquiring financial margin. 30.3 26.5 ​ 26.6 30.5 -3.8 -0.01 ​ 0.1 -0.2 0.4 -0.3 3.9 2Q25 Working capital and others 2Q25 Spread-sensitive operations 2Q25 Average Volume Product Mix Spreads and liabilities' margin Additional calendar and working days Latin America and others Spread-sensitive operations 3Q25 Working capital and others 3Q25 3Q25¹ 2 ¹ 3 Q 4Q24 1Q25 Q Q Q 4Q24 Q Q Q

5 ‘‘ 0.4 0.7 4.1 3.8 -0.9 -1.8 3.5 2.7 9M24 9M25 Financial margin with the market Brazil Latin America Capital index hedge in R$ billion 0.1 0.1 0.1 0.2 0.2 0.3 1.6 1.3 1.3 1.2 1.3 1.3 1.4 1.1 0.9 0.9 0.9 0.9 -0.3 -0.4 -0.5 -0.5 -0.6 -0.7 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25

6 (1) As of the first quarter of 2025, revenues from acquiring services, in addition to revenues from current account services for companies and PIX, were consolidated in the payments and collections line (previously collection services). For comparison purposes, past figures were reclassified. (2) Includes fund management fees and “consórcio” management fees; (3) Result from insurance includes the revenues from insurance, pension plan and premium bonds operations net of retained claims and selling expenses; (4) Source: Anbima; (5) Insurance activities include bancassurance products related to life, property, credit life and third-party policies. Commissions, fees and result from insurance Insurance5 9M25 x 9M24 14.0% Premiums earned growth concentrated in Life and Credit life Premiums earned 17.3%Recurring result 25% market share 1st place4 in DCM origination and distribution in 9M25 R$91 bn Volume Acquiring – Transaction volume 3Q25 x 2Q25 3Q25 x 3Q24 12.8%6.6%R$258 bn in R$ billion 3Q25 2Q25 D 3Q24 D 9M25 9M24 D Card issuance 3.3 3.3 2.1% 3.2 6.1% 9.9 9.4 5.1% Current account for individuals 0.7 0.8 -7.2% 0.9 -20.3% 2.3 2.7 -15.9% Credit operations and guarantees issued 0.6 0.6 0.7% 0.7 -11.4% 1.9 2.1 -8.9% Payments and collections¹ 2.5 2.4 3.7% 2.3 8.0% 7.3 6.8 6.1% Asset management² 1.9 1.9 -1.6% 1.7 9.9% 5.5 4.8 13.0% Advisory services and brokerage 1.2 0.9 33.7% 1.1 9.8% 3.2 3.7 -14.6% Other Brazil 0.5 0.4 12.3% 0.4 28.8% 1.3 1.1 19.7% Latin America 1.0 1.0 -2.7% 1.0 2.5% 3.0 2.7 12.8% Commissions and fees 11.8 11.3 3.6% 11.2 4.7% 34.3 33.4 2.7% Insurance, pension plans and premium bonds³ 3.0 2.8 5.7% 2.5 17.8% 8.4 7.2 17.1% Commissions and insurance 14.7 14.2 4.0% 13.8 7.1% 42.7 40.6 5.3%

7 3.8% 3.6% 3.6% 3.6% 1.7% 1.6% 1.6% 1.7% 0.13% 0.10% 0.08% 0.11% Dec-24 Mar-25 Jun-25 Sep-25 15 – 90 days NPL - % consolidated Credit Quality 90 days NPL- % Brazil consolidated Brazil Note: In the third quarter of 2025, we sold loans with low probability of recovery to unrelated companies and without risk retention, which would be active at the end of September-25 worth R$71million of the corporate portfolio, with an impact of 0.02 p.p. in the corporate ratio and of 0.01 p.p. both in the Brazil ratio and in the total ratio. 2.0% 1.9% 1.9% 1.9% 2.1% 2.0% 2.0% 2.0% 1.3% 1.4% 1.4% 1.3% Dec-24 Mar-25 Jun-25 Sep-25 ex- impact of specific corporate client ex- impact of specific corporate client 1.6% 1.8% 1.7% 2.0% 1.5% 1.7% 1.6% 1.9% 2.3% 2.2% 2.3% 2.2% 1.7% 1.6% Dec-24 Mar-25 Jun-25 Sep-25 2.8% 3.1% 3.0% 3.0% 1.2% 1.2% 1.2% 1.3% 0.02% 0.09% 0.1% 1.0% 0.1% Dec-24 Mar-25 Jun-25 Sep-25 Brazil Total Latin America Individuals Very small, small and middle market companies Corporate

8 Credit Quality – Resolution 4,966 ratios Stage 2 portfolio Stage 3 portfolio Stage 3 coverageStage 2 coverage 4.1% 4.3% 4.2% 4.1% 7.7% 8.0% 7.8% 7.6% 4.6% 4.6% 4.6% 4.4% 1.7% 1.8% 1.8% 1.9% Dec-24 Mar-25 Jun-25 Sep-25 22.9% 23.7% 24.1% 23.9% 24.5% 26.1% 26.5% 26.5% 16.9% 16.6% 16.7% 14.5% 23.9% 22.9% 23.6% 24.2% Dec-24 Mar-25 Jun-25 Sep-25 4.4% 4.4% 4.3% 4.2% 6.0% 5.8% 5.9% 5.8% 4.2% 4.3% 4.2% 4.0% 3.5% 3.5% 3.3% 3.3% Dec-24 Mar-25 Jun-25 Sep-25 55.0% 56.1% 55.8% 55.9% 59.8% 61.4% 59.2% 59.6% 42.4% 43.1% 43.4% 40.2% 55.3% 55.9% 57.1% 57.8% Dec-24 Mar-25 Jun-25 Sep-25 Individuals Total Latin America Companies

9 37.4 35.8 34.6 34.2 33.1 32.8 18.3 17.4 16.8 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Renegociada Reestruturada 25.9 27.2 9M24 9M25 Credit only (1) Average of the new loan portfolio balance ex- financial guarantees provided, considering the last two quarters; (2) Expected loss expenses + recovery of loans + discounts granted; (3) cost of credit over the new average portfolio, that includes FIDC, exposures to financial institutions and the operations by our agribusiness trading company. Annualized cost of credit / Loan portfolio³ - (%) Cost of credit² (in R$ billion) Renegotiated portfolio (in R$ billion) Quality and cost of credit Credit and securities 2.8% 2.5% 2.5% 2.6% 2.6% 2.6% Renegotiated portfolio/ Total Portfolio¹ - (%) 2.7% 2.6% 8.8 8.2 8.6 9.0 9.1 9.1 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Renegoti ted Restructured 40.1 38.8 38.4 23.7 22.6 22.0 Mar-25 Jun-25 Sep-25 3.2% 3.1% 3.0% 4.0% 3.7% 3.4% 3.4% 3.3% 3.2%

10 Efficiency ratio Non-interest expenses 10 46.0% 46.3% 44.4% 41.6% 39.8% 39.1% 38.8%44.5% 44.3% 42.5% 39.0% 37.8% 37.5% 36.9% 9M19 9M20 9M21 9M22 9M23 9M24 9M25 ‘‘ In R$ billion 3Q25 2Q25 D 3Q24 D 9M25 9M24 D Commercial and administrative (personnel) (6.3) (6.1) 3.6% (6.1) 4.3% (18.2) (17.4) 5.0% Transactional (personnel, operations and services) (4.5) (4.3) 4.9% (4.1) 9.9% (12.8) (11.9) 7.4% Technology (personnel and infrastructure) (3.1) (2.9) 7.4% (2.7) 17.3% (8.7) (7.2) 20.4% Other (1.0) (1.0) 0.1% (1.0) -1.3% (2.9) (2.8) 4.1% Total - Brazil (14.9) (14.3) 4.5% (13.8) 8.0% (42.7) (39.3) 8.5% Latin America (2.2) (2.2) 0.6% (2.1) 4.6% (6.8) (6.1) 11.6% Non-interest expenses (17.2) (16.5) 4.0% (15.9) 7.6% (49.4) (45.4) 8.9% BrazilConsolidated

11 Jun-25 Common Equity Tier I (CET I) Net income in the quarter Sep-25 Tier I capital 13.1% + 0.8% Prudential and equity adjustments + 0.1% 1.3%² 13.5% (1) Excluding the exchange rate variation for the period that, together wit the capital index hedge, is considered in the prudential and equity adjustments; (2) The issuance of Perpetual Subordinated Financial Bills described in the Announcement to the market dated October 8th 2025 will bring Additional Tier 1 (AT1) to 1.5%, considering the limit set forth in CMN Resolution Nº 4,958 . Were it not for this limit, Additional Tier 1 (AT1) capital would be 1.6%. Capital Risk-weighted assets1 - 0.2% 14.8% Common Equity Tier I (CET I) Additional Tier I (AT1) Dividends, interest on own capital and shares buybacks - 0.4%

12 Guidance 2025 Previous Total credit portfolio¹ Financial margin with clients Cost of credit² Financial margin with the market Commissions and fees and results from insurance operations³ Non-interest expenses Effective tax rate Growth between 4.5% and 8.5% Between 28.5% and 30.5% Growth between 5.5% and 8.5% Growth between 4.0% and 7.0% Between R$34.5 bn and R$38.5 bn Between R$1.0 bn and R$3.0 bn Growth between 11.0% and 14.0% Reviewed Maintained Maintained Between R$3.0 bn and R$3.5 bn Maintained Maintained Maintained Maintained (1) Includes financial guarantees provided and private securities; (2) Composed of expected loss expenses, discounts granted and recovery of loans written off as losses; (3) Commissions and fees (+) income from insurance, pension plan and premium bonds operations (-) expenses for claims (-) insurance, pension plan and premium bonds selling expenses.

13 São Paulo, November 5th, 2025

14 Additional Information

15 Results (1) Revenues from Insurance includes the Revenues from Insurance, Pension Plan and Premium Bonds Operations before Retained Claims and Selling Expenses. In R $ millio n 3Q25 2Q25 3Q24 9M25 9M24 Operating Revenues 46,567 45,728 1.8% 42,694 9.1% 136,832 124,858 9.6% Managerial Financial Margin 31,382 31,177 0.7% 28,512 10.1% 92,881 83,057 11.8% Financial Margin with Clients 30,479 30,320 0.5% 27,455 11.0% 90,198 79,540 13.4% Financial Margin with the Market 902 858 5.2% 1,056 -14.6% 2,683 3,517 -23.7% Commissions and Fees 11,755 11,343 3.6% 11,228 4.7% 34,331 33,414 2.7% Revenues from Insurance 1 3,430 3,207 6.9% 2,954 16.1% 9,620 8,387 14.7% Cost of Credit (9,145) (9,093) 0.6% (8,245) 10.9% (27,213) (25,850) 5.3% Expected Loss Expenses (9,780) (9,664) 1.2% (8,928) 9.5% (28,938) (27,650) 4.7% Discounts Granted (714) (708) 0.8% (590) 20.9% (2,136) (1,833) 16.5% Recovery of Loans Written Off as Losses 1,348 1,280 5.3% 1,273 5.9% 3,860 3,633 6.3% Retained Claims (449) (386) 16.4% (423) 6.1% (1,223) (1,215) 0.7% Other Operating Expenses (19,858) (19,284) 3.0% (18,554) 7.0% (57,608) (52,973) 8.7% Non-interest Expenses (17,150) (16,492) 4.0% (15,945) 7.6% (49,438) (45,401) 8.9% Tax Expenses for ISS, PIS, Cofins and Other Taxes (2,703) (2,785) -3.0% (2,604) 3.8% (8,152) (7,555) 7.9% Insurance Selling Expenses (5) (6) -23.4% (5) 0.3% (17) (16) 4.8% Income before Tax and Minority Interests 17,116 16,966 0.9% 15,472 10.6% 50,788 44,821 13.3% Income Tax and Social Contribution (4,940) (5,151) -4.1% (4,489) 10.0% (15,350) (13,388) 14.6% Minority Interests in Subsidiaries (300) (307) -2.3% (307) -2.4% (926) (914) 1.3% Recurring Managerial Result 11,876 11,508 3.2% 10,675 11.3% 34,513 30,518 13.1% D' D' D'

16 Business model In R$ billion (1) Revenues from Insurance includes the Revenues from Insurance, Pension Plan and Premium Bonds Operations before Retained Claims and Selling Expenses. (2) Include Tax Expenses (ISS, PIS, COFINS and other), Insurance Selling Expenses and Minority Interests in Subsidiaries. Total Credit Trading Insurance & services Excess capital Total Credit Trading Insurance & services Excess capital Total Credit Trading Insurance & services Excess capital Operating revenues 136.8 75.5 2.9 56.4 2.1 124.9 69.0 2.8 51.8 1.2 12.0 6.5 0.1 4.6 0.8 Managerial financial margin 92.9 62.8 2.9 25.1 2.1 83.1 56.6 2.8 22.4 1.2 9.8 6.2 0.1 2.7 0.8 Commissions and fees 34.3 12.7 0.0 21.6 - 33.4 12.4 0.0 21.0 - 0.9 0.3 (0.0) 0.6 - Revenues from insurance ¹ 9.6 - - 9.6 - 8.4 - - 8.4 - 1.2 - - 1.2 - Cost of credit (27.2) (27.2) - - - (25.9) (25.9) - - - (1.4) (1.4) - - - Retained claims (1.2) - - (1.2) - (1.2) - - (1.2) - (0.0) - - (0.0) - Non-interest expenses and other² (58.5) (30.7) (0.7) (27.0) (0.1) (53.9) (27.9) (0.8) (25.1) (0.1) (4.6) (2.8) 0.0 (1.8) (0.0) Recurring managerial result 34.5 12.8 1.3 18.7 1.7 30.5 10.2 1.2 18.1 1.0 4.0 2.6 0.1 0.6 0.7 Average regulatory capital 200.6 119.7 5.9 52.1 22.9 182.9 107.5 5.1 48.8 21.5 17.7 12.2 0.8 3.3 1.3 Value creation 13.3 0.5 0.7 12.8 (0.7) 12.4 (0.1) 0.7 13.0 (1.2) 0.9 0.7 0.0 (0.2) 0.4 Recurring managerial ROE 22.9% 14.3% 30.3% 47.8% 9.8% 22.2% 12.7% 31.6% 49.5% 6.0% 0.7 p.p. 1.6 p.p. -1.3 p.p. -1.8 p.p. 3.8 p.p. 9M25 9M24 D (9M25 x 9M24)

17 São Paulo, November 5th, 2025

Attachment 03

Institutional Presentation

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Individuals Corporate 5

A gente trabalha para o cliente

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99% Quality 9M25 x 9M18 increase in technology updates implemented reduction in UX high- impact incidents reduction in the cost of single transactions 2,087% Speed 9M25 x 9M18 45% Cost 9M25 x 9M18 Quality Method Artificial Intelligence Hyper personalization Efficiency Speed Design Excellence in user experience Data Integrated to our work methodology Products Proprietary methodologies Technology Modernized technology platform Clients + + AI-driven strategy that enhances efficiency and creates hyper- personalized journeys at scale 141% increase in the volume of generative AI initiatives in use at Itaú + increase in the volume of traditional machine learning models 40% Conversational generative AI solutions focused on clients (Pix on WhatsApp, Wealth Specialist and Itaú Emps) Itaú Intelligence 9M25 x 9M24 9M25 x 9M24 Open innovation ecosystem for continuous evolution Methodology composed of integrated disciplines that leverage business competitiveness and the creation of the best experiences

> 1 k initiatives under implementation 10 > 20k Employees > 2,9k Squads Personnel Expenses (commercial and administrative) 2015 x 2024 Deflated evolution Deflated evolution p.a. Transactional Expenses (operations and client services) Technology Expenses (personnel and infrastructure) Other Total - Brasil 39.1% -22.4% -2.8% 68.2% -6.6% 119.0% 47.4% -10.7% -1.2% 59.2% 5.3% -68.5% -12.1% 5.8% 0.6% Non-interest expenses evolution

Climate transition Sustainable finance Diversity and development Governance and Conduct

ESG strategic goals Commitment Net Zero by 2050 We are committed to becoming a carbon neutral bank by 2050 Reduce 50% Our operational emissions (Scopes 1, 2 and 3¹) by 2030² Carbon- intensive sectors Set targets and report progress in decarbonising priority carbon-intensive sectors to bring our portfolio into line with scenarios that limit climate change to 1.5°C

Women 53.9% of employees by the end of 2024 Black 28.9% of employees by the end of 2024 Leadership positions Goal: 35% to 40% Location 96.7% employees in Brazil 3.3% in International units Hiring flow Goal: >50% Full time employees¹ Goal: 27% to 30% Hiring flow Goal: >40% ESG strategic goals for 2025 35.7% in 2024 52.3% in 2024 28.9% in 2024 39.1% in 2024 Workforce diversity profile in 2024 Other 5.1% people with disabilities² 13% LGBT+³ Gender Age 33.6% Under 30 years old 60.4% Between 30 and 50 years old 6.0% Over 50 years old Retention 50.1% at Itaú Unibanco for more than 5 years 30.9% for more than 10 years

of R$1 trillion by the end of 2030 Direct to lending and financing for the sustainable economy from 2020¹. R$522 bn of total resources directed between Jan/20 and Aug/25 2020 2021 2022 2023 2024 2025 R$1 trillion Volume of resources in sustainable finance ESG strategic goals

3Q21 3Q22 3Q23 3Q24 3Q21 3Q22 3Q23 3Q24 3Q21 3Q22 3Q23 3Q24 3Q21 3Q22 3Q23 3Q24 3Q21 3Q22 3Q23 3Q24 3Q21 3Q22 3Q23 3Q24 Note: The 2025 results consider the application of Resolution 4,966.

Sep-21 Sep-22 Sep-23 Sep-24 Sep-21 Sep-22 Sep-23 Sep-24 Sep-21 Sep-22 Sep-23 Sep-24 Sep-21 Sep-22 Sep-23 Sep-24 Sep-21 Sep-22 Sep-23 Sep-24 Sep-21 Sep-22 Sep-23 Sep-24 17

Previous Total credit portfolio¹ Financial margin with clients Cost of credit² Financial margin with the market Commissions and fees and results from insurance operations³ Non-interest expenses Effective tax rate Growth between 4.5% and 8.5% Between 28.5% and 30.5% Growth between 5.5% and 8.5% Growth between 4.0% and 7.0% Between R$34.5 bn and R$38.5 bn Between R$1.0 bn and R$3.0 bn Growth between 11.0% and 14.0% Reviewed Maintained Maintained Between R$3.0 bn and R$3.5 bn Maintained Maintained Maintained Maintained

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