Itau Unibanco Holding S.A. (ITUB) Form 6-K — Aug 5, 2026
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.
Key figures
- Guidance
- 2026 guidance for commissions and fees and results from insurance operations revised to 2.0%-5.0% growth (down from prior projection); all other 2026 guidance lines unchanged
- Net Income
- BRL 12.4 billion (12,407 million) 2Q26 recurring managerial result
- Roe 2q25
- 23.3%
- Cet1 ratio
- 12.3%
- Npl ratio 90d
- 1.9%
- Roe annualized
- 24.3%
- Consensus result
- BRL 12,466 million
- Credit portfolio
- BRL 1,522 billion
- Npl stable quarters
- 6
- Result vs consensus
- -0.5%
- 1h26 recurring result
- BRL 24,689 million (+9.1% YoY)
- Non interest expenses
- BRL 16.7 billion (+3.3% QoQ)
- Efficiency ratio brazil
- 35.5%
- Payroll loan growth qoq
- 3.5%
- Mortgage loan growth qoq
- 3.9%
- Credit portfolio growth qoq
- 2.7%
- Credit portfolio growth yoy
- 9.6%
- Nii with clients growth qoq
- 3.3%
- Commissions fees insurance growth qoq
- 0.4%
- Private sector payroll loan growth qoq
- 14.3%
AI analysis
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