Itaú Unibanco Holding S.A.

ITUB: 6-K · periodic report

Itaú Unibanco filed its annual CVM Reference Form (Item 1 activities disclosure) as a 6-K, describing its business, segments and market positions as of December 31, 2025. The bank reported 2025 net operating revenue of R$167,780 million, with Retail Business at R$112,204 million and Wholesale Business at R$62,620 million. Itaú remains Brazil's largest privately-owned bank with total assets of R$2,742 billion (15.0% of banking sector assets), leading positions in credit cards (21.4% share), merchant acquiring (22.7%), and the largest private asset manager with R$1,236 billion in AUM. The filing is largely descriptive and routine; key strategic notes include the 2026 increase of Avenue to 50.1% ownership, the full 2024 exit from XP Inc., and intensifying digital competition from Nubank, Mercado Pago and Banco Inter. No new financial events, capital actions, or risk events are disclosed in this section.

SEC 6-K•22d ago

ITUB: 6-K · other

Itaú Unibanco filed a Form 6-K furnishing English translations of its public-access risk management policies, covering social, environmental and climate risks, market risk and IRRBB, integrated compliance and operational risk, liquidity risk, credit risk, and capital management. The policies were approved by the Board of Directors at various dates in 2024 and 2026 and implement Brazilian regulatory requirements, principally CMN Resolution 4,557/17 and related BCB, CVM and SUSEP rules. The filing is procedural disclosure of governance frameworks rather than a report of results or events, and it does not change the bank's financial position, guidance, or outlook.

SEC 6-K•23d ago

ITUB: 6-K · other

Itaú Unibanco Holding S.A. filed a Form 6-K dated October 2, 2026 furnishing its corporate bylaws as Exhibit 99.1. The filing contains no new financial results, transactions, or announcements. The bylaws disclose the company's capital structure: paid-in capital of R$136.9 billion represented by 11,026,869,192 shares (5,617,742,977 common and 5,409,126,215 preferred), with authorized capital of up to 13,176,900,000 shares. Preferred shares carry a minimum annual priority dividend of R$0.022 per share and tag-along rights at 80% of the controlling-block price. The document is a routine informational furnishing for the foreign private issuer and carries no material impact for investors, though it restates governance terms including the 25% mandatory dividend and B3 Level 1 listing commitments.

SEC 6-K•23d ago

ITUB: 6-K · other

Itaú Unibanco Holding S.A. announced that its executives will participate in the Panorama Itaúsa 2026 event organized by Itaúsa S.A. CEO Milton Maluhy Filho will speak on Itaú Unibanco's strategy and perspectives on October 06 at 10:00 a.m. Brasilia time. The announcement was made in compliance with Official Letter No. 7/2020-CVM/SEP and contains no financial results or strategic changes. The event will be streamed live via popcast.com.br and Itaúsa's YouTube channel. This is a routine investor-relations notice with no material impact on the company's fundamentals or outlook.

SEC 6-K•1mo ago

ITUB: 6-K · debt financing

Itau Unibanco Holding S.A. announced it will exercise its option to repurchase all of its Tier 2 Subordinated Financial Bills, totaling BRL 11 billion, with redemptions occurring on September 21, 2026 and October 21, 2026. The bills were issued by the company in September 2021 and were originally scheduled to mature in September and October 2031, so the repurchase retires the subordinated debt roughly five years ahead of maturity. The company estimates the redemption will reduce its Tier 2 capital ratio by approximately 70 basis points, calculated on the capital base as of June 30, 2026 — a routine capital management action by one of Latin America's largest banks rather than a signal of capital stress.

SEC 6-K•1mo ago

ITUB: 6-K · other

Itau Unibanco Holding S.A. furnished a Form 6-K on September 14, 2026 containing the public-release version of its Related Party Transactions Policy, signed by Investor Relations Officer Gustavo Lopes Rodrigues. The filing is a governance transparency document rather than a financial or transactional announcement. The policy defines related parties under Brazilian accounting standard CPC 05 and sets a R$2 million threshold over any 12 consecutive months for 'Significant Amount' transactions, which must be approved by a Related Parties Committee composed of three independent board members and reported quarterly to the Board of Directors. Related-party transactions exceeding R$50 million must be disclosed to the Brazilian securities regulator (CVM) within seven business days under CVM Resolution 80/22, and the policy prohibits transactions outside market conditions or without equitable shareholder treatment. The document was amended by the board on August 25, 2022 and last reviewed by the Related Parties Committee in August 2026; it carries no earnings, capital, or strategic implications for the bank.

SEC 6-K•1mo ago

ITUB: 6-K · debt financing

Itaú Unibanco Holding S.A. announced on September 10, 2026 that it has issued Tier 2 Subordinated Financial Bills totaling R$5.0 billion in negotiations with professional investors. The Financial Bills mature in 2036 and 2037, with a repurchase option available from 2031 subject to prior authorization from the Central Bank of Brazil. Under Central Bank of Brazil Resolutions No. 122 and No. 5.007, the instruments will count toward the bank's Tier 2 capital, with an estimated 30 basis point positive impact on its Tier 2 capital ratio calculated on the June 30, 2026 capital base. For a bank of Itaú's scale this is routine capital management that modestly strengthens its regulatory capital position while adding long-dated subordinated obligations.

SEC 6-K•1mo ago

ITUB: 6-K · other

Itaú Unibanco Holding S.A. filed a related-party transaction announcement under CVM Resolution No. 80/22: cumulative invoicing for services provided by Instituto Itaú de Ciência, Tecnologia e Inovação (ICTi) exceeded R$50 million as of August 31, 2026, crossing the threshold that requires notification to the market. ICTi is a private association whose founding members are Itaú Unibanco Holding S.A. and Itaú Unibanco S.A. It provides studies, research, prototyping, software development, and innovation consulting to the bank under a master agreement signed on July 19, 2023. This is the fourth such notice, following disclosures on February 17, 2025, September 8, 2025, and March 9, 2026. Services are priced at the cost of the professionals involved, and the arrangement was approved by the Related Parties Committee composed entirely of independent board members, making this a routine compliance filing with no change to the agreement's terms.

SEC 6-K•1mo ago

ITUB: 6-K · periodic report

Itau Unibanco Holding filed its CVM Resolution 80 Reference Form via 6-K, profiling the largest private bank in Latin America and Brazil's biggest bank overall with R$2,742 billion in total assets, or 15.0% of Brazilian banking sector assets. For fiscal 2025, total net operating revenue was R$167,780 million, roughly flat year over year, as 22.5% growth in income from interest and similar (R$332,062 million) was offset by slightly lower commissions and banking fees (R$46,997 million, -0.2%). Income from insurance contracts and private pension rose 25.1% to R$8,731 million. The bank defended leadership positions — first in credit card balance (21.4% share), merchant acquiring (22.7%) and individual lending among private banks (10.7%) — but credit card and personal loan market shares slipped as Nubank, Mercado Pago and Banco Inter intensified competition, and the vehicle financing portfolio fell 4.7% to R$51.8 billion. Digital momentum continued with 4.6 million accounts opened through digital channels in 2025, or 68% of all new accounts, and the filing details ongoing M&A including an increase of its Handy stake from 40% to 75% and majority control of Avenue at 50.1% reached in 2026.

SEC 6-K•2mo ago

ITUB: 6-K · periodic report

Itaú Unibanco filed its Risk and Capital Management (Pillar 3) report for the second quarter of 2026, showing a Basel total capital ratio of 15.4% at June 30, 2026, up 0.6 percentage points from 14.8% in March, with total capital of R$242,885 million against risk-weighted assets of R$1,581,951 million. The quarter's capital build reflected earnings generation and a June 2026 issuance of R$3 billion in perpetual subordinated financial bills callable from 2031, which added 0.19 percentage points to Tier 1 capital, partially offset by payment of interest on capital and growth in risk-weighted assets. Liquidity and leverage metrics remained strong, with a quarterly average Liquidity Coverage Ratio of 202.0%, a Net Stable Funding Ratio of 122.1%, and a Basel III leverage ratio that rose to 6.8% from 6.5% quarter over quarter. The bank reports a R$116,329 million capital excess above its minimum required total capital. This is a routine quarterly regulatory disclosure with no surprises; the only soft spot is that problem assets edged up to R$60,218 million from R$58,015 million at the end of March.

SEC 6-K•2mo ago

ITUB: 6-K · other

Itaú Unibanco Holding S.A. announced in a material fact notice furnished to the SEC on Form 6-K that it has released its revised guidance for 2026, in compliance with Article 157, paragraph 4, of Brazilian corporate law and CVM Resolution No. 44/21. The notice was signed by Investor Relations Officer Gustavo Lopes Rodrigues in São Paulo on August 4, 2026. The filing text describes the guidance line items — including commissions and fees, insurance and pension income, and expected-loss-related expense categories — but does not include the revised numerical projections themselves. The company disclosed that, as of August 2026, it has been considering a cost of capital of around 14.75% p.a. for managing its businesses. Itaú cautioned that the guidance is forecast-based and highly dependent on Brazilian and international market conditions, so actual results may differ from the projections.

SEC 6-K•2mo ago

ITUB: 6-K · leadership change

Itaú Unibanco Holding S.A. filed a Form 6-K furnishing the summarized minutes of its Fiscal Council meeting held on August 4, 2026, in São Paulo. The Council unanimously nominated Eduardo Hiroyuki Miyaki as Chairman of the company's Supervisory Council, with Cláudio José Coutinho Arromatte designated to substitute for him in cases of absence or incapacity for the current annual term of office. The Council also examined the financial statements for January to June 2026 and, citing an unqualified report from PricewaterhouseCoopers Auditores Independentes, opined that the documents fairly reflect the company's capital structure, financial position, and activities. This is routine governance housekeeping with no new financial figures disclosed.

SEC 6-K•2mo ago

ITUB: 6-K · dividend

Itaú Unibanco's board of directors unanimously approved the company's financial statements for January to June 2026 at its August 4, 2026 meeting, supported by an Audit Committee recommendation, a favorable Supervisory Council opinion, and an unqualified independent auditor report. The board also approved payment on August 28, 2026 of interest on capital previously declared on February 26, 2026 and May 28, 2026, in the gross amount of R$ 0.71076 per share (net R$ 0.586377 per share) — a locked-in date for income investors holding the Brazilian bank's shares or NYSE-listed ADSs. The approved statements and minutes will be published with the CVM, B3, the SEC, and the NYSE. The filing contains no new financial data and is routine governance housekeeping, though the clean unqualified audit opinion is a modest positive signal on disclosure quality.

SEC 6-K•2mo ago

ITUB: 6-K · earnings release

Itaú Unibanco reported a 2Q26 recurring managerial result of BRL 12.4 billion, up 7.8% year over year, with an annualized ROE of 24.3%. The result came in 0.5% below the market consensus of BRL 12,466 million, which the bank characterized as in line with expectations. The total credit portfolio reached BRL 1.5 trillion, up 9.6% from a year earlier, while the 90-day NPL ratio held at 1.9% for the sixth consecutive quarter. The bank ended the period with a 12.3% CET1 ratio and a 35.5% efficiency ratio in Brazil. Itaú trimmed its 2026 guidance for commissions, fees and insurance results to 2.0%-5.0% growth, citing higher-than-projected volatility in capital markets; all other guidance lines were left unchanged. The quarter's strategic highlight was the launch of ia.i, a proprietary AI assistant integrated into the Itaú SuperApp, advancing the bank's AI First strategy to enhance client experience and efficiency.

SEC 6-K•2mo ago

ITUB: 6-K · asset sale

Itaú Unibanco Holding S.A. announced that its subsidiary, Banco Itaú Colombia S.A., has completed the transfer of its retail banking operations to Banco de Bogotá S.A. The transaction was executed at book value and marks a strategic shift for the Colombian subsidiary to focus exclusively on the Corporate Banking segment. The transferred assets include a loan portfolio of approximately BRL 9.7 billion (net of provisions) and BRL 7.2 billion in deposits. The net value of the transaction is reported to be approximately BRL 2.5 billion, based on the exchange rate as of June 30, 2026. Management stated that the closing of this transaction has no material impact on the company's regulatory capital ratio. The strategic realignment is intended to maximize the return on capital within the Colombian market.

SEC 6-K•2mo ago

ITUB: 6-K · other

Itaú Unibanco Holding S.A. filed a Form 6-K to submit its 2026 Report on the Brazilian Corporate Governance Code, detailing its adherence to recommended governance practices. The report highlights that the Board of Directors is composed of 53.8% independent members and that the Audit Committee consists entirely of independent members, including a designated Financial Expert. Additionally, the filing describes policies regarding risk management, ESG integration, and related party transactions, specifying that transactions exceeding R$ 50 million require market disclosure while those over R$ 2 million require approval by an independent committee.

SEC 6-K•2mo ago

ITUB: 6-K · debt financing

Itau Unibanco Holding S.A. announced that it will exercise the option to repurchase all of its outstanding Tier 1 Subordinated perpetual Financial Bills issued in January 2019. The repurchase totals BRL 1.4 billion and is scheduled to occur on July 15, 2026. The company estimates that this transaction will result in an approximate 10 basis point decrease to its Tier 1 capital ratio.

SEC 6-K•3mo ago

ITUB: 6-K · other

Itaú Unibanco Holding S.A. filed a Form 6-K to disclose its updated Remuneration Policy for Administrators, which applies to the Itaú Unibanco Conglomerate. The policy establishes guidelines to align the interests of administrators with shareholders and promote prudent risk management in line with Brazilian Central Bank regulations. At least 70% of variable remuneration must be paid in shares or share-based instruments, deferred for a minimum of three years. The policy also strictly prohibits administrators from hedging or transferring the risk associated with their shareholdings. The filing includes a Clawback Policy allowing the company to recover incentive-based compensation if financial results are restated or due to misconduct by an officer. These measures comply with Resolution No. 5,177/24 of the National Monetary Council of Brazil and NYSE listing standards.

SEC 6-K•3mo ago

ITUB: 6-K · other

Itaú Unibanco Holding S.A. has released its Integrated Management of Compliance and Operational Risk Policy, which establishes the principles for managing these risks in accordance with applicable regulations and market best practices. The document applies to the bank, its subsidiaries, and employees globally, emphasizing an integrated approach under the coordination of the Compliance & OpRisk Directorate. The policy defines a continuous management cycle including identification, assessment, response, monitoring, and reporting of risks. It also details specific roles and responsibilities across the three lines of defense, ranging from business units to the Board of Directors, ensuring independence and alignment with the institution's risk appetite. Governance measures include mandatory annual reporting to the Audit Committee and Board of Directors, detailing compliance deficiencies and action plans. The policy explicitly references adherence to data protection laws like the LGPD and mandates a risk-based approach to regulatory adherence.

SEC 6-K•3mo ago

ITUB: 6-K · other

Itaú Unibanco Holding S.A. filed a Form 6-K to disclose its updated Risk Management Policy, which establishes comprehensive guidelines for managing Environmental, Social, and Climate (ESC) risks alongside traditional risk disciplines such as market and operational risk. The policies align with Brazilian Central Bank regulations (CMN Resolution No. 4,557/17) and define governance structures for the conglomerate, covering Compliance, Liquidity, Credit, and Capital management to ensure financial stability and regulatory adherence. The Capital Management Policy specifies regulatory capital requirements, mandating a Total Capital ratio of 8.0% and additional capital buffers totaling 3.56% to cover conservation, countercyclical, and systemic risks.

SEC 6-K•4mo ago

ITUB: 6-K · periodic report

Itau Unibanco Holding S.A. filed its annual reference form (6-K) for the year ended December 31, 2025, reporting total net operating revenue of BRL 167.78 billion, a slight decline of 0.2% from the prior year. The bank reaffirms its position as the largest private bank in Latin America, with total assets reaching BRL 2.74 trillion, representing 15.0% of the Brazilian banking sector's total assets. The Retail Business segment generated BRL 112.2 billion in revenue, driven by leadership positions in credit cards (21.4% market share) and merchant acquiring (22.7% market share). The Wholesale Business contributed BRL 62.6 billion, supported by strong performance in investment banking and asset management, where Itau Asset Management holds BRL 1.236 trillion in assets under management. Strategic developments include reaching a 50.1% ownership interest in Avenue Holding Cayman, consolidating its digital brokerage platform, and maintaining a 30.7% stake in Porto Seguro. The filing highlights continued digital transformation, with 68% of new accounts opened through digital channels in 2025, and no significant risk factor changes or going-concern language noted.

SEC 6-K•4mo ago

ITUB: 6-K · debt financing

Itaú Unibanco Holding S.A. announced the issuance of BRL 3 billion in Perpetual Subordinated Financial Bills to professional investors. These instruments are perpetual in nature and will be classified as Additional Tier 1 capital under Brazilian Central Bank regulations. The issuance is expected to increase the company's Tier 1 capital ratio by approximately 19 basis points, calculated on the capital base as of March 31, 2026. The bills may be repurchased starting in 2031, subject to prior authorization from the Central Bank of Brazil.

SEC 6-K•4mo ago

ITUB: 6-K · leadership change

Itaú Unibanco Holding S.A. filed a Form 6-K on May 29, 2026, disclosing summarized minutes from its Board of Directors meeting held on May 28, 2026. The Board unanimously adopted a resolution to register the removal of Officer Luís Eduardo Gross Siqueira Cunha, effective as of March 31, 2026. This filing serves as a retrospective disclosure of a routine personnel change and does not indicate any material operational disruption or strategic shift for the bank.

SEC 6-K•4mo ago

ITUB: 6-K · ownership disclosure

Itaú Unibanco Holding S.A. disclosed that GQG Partners LLC holds approximately 4.97% of its preferred shares, representing 269,340,203 shares and American Depositary Receipts. GQG Partners stated this is a minority investment not intended to change the company's control or administrative structure, and it holds no proxy voting rights on behalf of its clients. The filing notes that GQG Partners disposed of certain shares in the secondary market, reducing its stake to the current level, with no intent to acquire additional shares for control purposes.

SEC 6-K•5mo ago

ITUB: 6-K · foreign private issuer

Itaú Unibanco Holding S.A. filed a Form 6-K to announce the launch of its 2025 Integrated Annual Report and ESG Report. The documents were submitted to the Brazilian Securities and Exchange Commission and cover the fiscal year ending 2025. The reports provide a comprehensive overview of the company's business, strategy, and initiatives. They also detail the firm's results and ESG performance for the period. Investors can access the Integrated Annual Report and ESG Report on the company's Investor Relations website. The filing confirms the availability of these materials for public review.

SEC 6-K•5mo ago

ITUB: 6-K · acquisition merger

Itau Unibanco Holding S.A. shareholders approved the merger of its wholly-owned subsidiary, Banco Itaucard S.A., into the parent company during an Extraordinary General Stockholders Meeting held on April 28, 2026. The transaction values the subsidiary's equity at approximately R$ 51.9 million based on book net worth as of December 31, 2025, and is intended to rationalize resources and streamline the conglomerate's corporate structure. The merger will not result in a capital increase or the issuance of new shares, as Itaucard is fully held by Itau Unibanco. Shareholders also ratified the engagement of PricewaterhouseCoopers as the appraisal firm and approved amendments to the company's Bylaws, including an adjustment to the maximum number of members on the Board of Officers. Completion of the merger is subject to prior approval from the Central Bank of Brazil, after which Itaucard will be dissolved and its assets and liabilities transferred to the holding company. The company expects the restructuring to reduce maintenance costs and improve administrative efficiency.

SEC 6-K•5mo ago