
Itaú Unibanco has a rich history that spans over 100 years, with the bank's roots dating back to 1925 when it was founded as Banco Itaú.
The bank's name, Itaú, is derived from the indigenous word "Itá", which means "water" in Tupi language, a nod to the bank's origins in the state of São Paulo, Brazil.
Itaú Unibanco has undergone significant transformations over the years, including a major merger in 2008 that formed the largest private bank in Latin America.
Today, Itaú Unibanco is a leading financial institution in Brazil and Latin America, with a strong presence in the region's markets.
About Itaú Unibanco
Itaú Unibanco is one of the largest banks in Latin America, operating in the financial sector as an intermediary.
The bank has a diverse portfolio of services, including retail banking, wholesale banking, asset management, insurance, and credit cards.
Itaú Unibanco operates in 20 countries in Latin America, Europe, and North America, in addition to its presence in Brazil.
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The bank has 55 million clients and 12 million account holders, with a focus on corporate governance and customer experience.
Itaú Unibanco is a large-cap company listed on the NYSE, with a market value and assets that make it one of the largest banks in the world.
Here's a quick rundown of the bank's key statistics:
The bank's shares are traded on the B3 under the ticker ITUB3 and ITUB4, with availability on the fractional market under the tickers ITUB3F and ITUB4F.
Sobre O Itau
O Banco Itaú Unibanco S.A. é um dos maiores bancos da América Latina, pertencendo ao setor financeiro e subsetor de intermediários financeiros.
Com atuação desde a década de 40, o Itaú se tornou uma das principais instituições financeiras do Brasil, ao ponto de figurar em listas de maiores bancos privados do mundo.
O Itaú é constituído como sociedade anônima de capital aberto e as suas ações são negociadas na Bolsa do Brasil, a B3, sob o código ITUB3 e ITUB4.
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O banco atua com foco na governança corporativa e na experiência do cliente, atendendo 55 milhões de clientes e 12 milhões de correntistas.
A empresa opera em diversos países, reforçando sua posição global, em 20 países na América Latina, Europa e América do Norte.
As ações do banco são negociadas na B3 sob o ticker ITUB3 e ITUB4, com disponibilidade também no mercado fracionário sob os tickers: ITUB3F e ITUB4F.
O Itaú é uma large cap com ações listadas no mercado brasileiro de Nova Iorque (NYSE), sendo um dos maiores bancos do mundo em termos de valor de mercado e ativos.
Aqui está uma visão geral dos dados da empresa:
Dúvidas Comuns
If you're considering investing in Itaú Unibanco, you might have some common questions in mind. The current stock price of Itaú Unibanco (ITUB4) is R$ 31.99, with a 1.57% variation in the last 12 months.
One thing to note is that Itaú Unibanco has a rich history of paying dividends. In the last year, the company distributed a total of R$ 2.35 in dividends, resulting in a Dividend Yield of 8.98%.

The dividend payments are made regularly throughout the year, with distributions in January, February, March, April, May, June, July, August, September, October, November, and December.
It's worth mentioning that the return on investment (ROI) for Itaú Unibanco has been impressive, with a 57.86% return over the last five years and a 484.58% return over the last decade.
Here's a rough estimate of what you could expect if you were to invest in Itaú Unibanco:
- In 1 year: 1.57% return (R$ 3,249.22)
- In 5 years: 57.86% return (R$ 5,049.94)
- In 10 years: 484.58% return (R$ 18,700.71)
Keep in mind that past performance is not a guarantee of future results, so it's essential to do your own research and consider your own financial goals before making any investment decisions.
Financial Information
Itaú Unibanco's financial health is a topic of interest, and we can look at some key numbers to get an idea of the bank's financial situation. The bank's total assets have been steadily increasing over the years, with a notable jump in 2024.
The bank's current assets, including cash and equivalents, have also seen a significant increase in 2024. This suggests that the bank has been managing its liquidity well and has a strong cash position.
Here's a breakdown of the bank's assets and liabilities:
The bank's net income has also been increasing, with a notable rise in 2024. This suggests that the bank is generating more revenue and has a strong financial performance.
Balanço Patrimonial

The Balanço Patrimonial, or Balance Sheet, is a crucial tool for understanding a company's financial situation. It's like a snapshot of the company's assets, liabilities, and equity at a specific point in time.
You can find the Balance Sheet in the financial information of a company, and it's usually presented in a table format. The table has multiple columns and rows, making it easy to compare numbers over time.
The Balance Sheet is divided into two main sections: Ativo (Assets) and Passivo (Liabilities). The Ativo section shows what the company owns, such as cash, investments, and property. The Passivo section shows what the company owes, like loans and debts.
Here's a breakdown of some key items in the Ativo section:
- Ativo Total: This is the total value of all the company's assets.
- Ativo Circulante: This includes assets that can be easily converted into cash, such as cash and accounts receivable.
- Aplicações Financeiras: This includes investments made by the company, such as stocks and bonds.
- Contas a Receber: This includes amounts owed to the company by customers or clients.
The Passivo section is also important, as it shows the company's debts and liabilities. Some key items in this section include:
- Passivo Total: This is the total value of all the company's liabilities.
- Passivo Circulante: This includes liabilities that are due to be paid soon, such as loans and accounts payable.
- Passivo Não Circulante: This includes liabilities that are not due to be paid soon, such as long-term loans.
By analyzing the Balance Sheet, you can get a better understanding of a company's financial health and make more informed decisions about investments or other business opportunities.
Resultado

The "Resultado" section of financial information provides a comprehensive overview of a company's performance. This section is crucial for investors and stakeholders to assess the company's financial health.
The Receita Líquida, or net revenue, is a key indicator of a company's financial performance. A high Receita Líquida indicates a strong revenue stream.
Custos, or costs, are an essential component of a company's financial performance. A company with high costs may struggle to maintain profitability.
Lucro Bruto, or gross profit, is a measure of a company's revenue minus its costs. A high Lucro Bruto indicates a company's ability to maintain profitability.
Despesas/Receitas Operacionais, or operating expenses, can significantly impact a company's financial performance. A company with high operating expenses may struggle to maintain profitability.
Here's a summary of the key financial indicators:
The EBITDA, or earnings before interest, taxes, depreciation, and amortization, is a measure of a company's financial performance. A high EBITDA indicates a company's ability to generate cash flow.

Amortização/Depreciação, or depreciation, is an essential component of a company's financial performance. A company with high depreciation may struggle to maintain profitability.
EBIT, or earnings before interest and taxes, is a measure of a company's financial performance. A high EBIT indicates a company's ability to generate cash flow.
Resultado não operacional, or non-operating result, can significantly impact a company's financial performance. A company with high non-operating results may struggle to maintain profitability.
Impostos, or taxes, are an essential component of a company's financial performance. A company with high taxes may struggle to maintain profitability.
Lucro Líquido, or net income, is a key indicator of a company's financial performance. A high Lucro Líquido indicates a company's ability to generate cash flow.
Dívida Bruta, or gross debt, is an essential component of a company's financial performance. A company with high gross debt may struggle to maintain profitability.
Dívida Líquida, or net debt, is a measure of a company's financial performance. A high net debt indicates a company's ability to generate cash flow.
ROE, or return on equity, is a measure of a company's financial performance. A high ROE indicates a company's ability to generate returns on equity.
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ROIC, or return on invested capital, is a measure of a company's financial performance. A high ROIC indicates a company's ability to generate returns on invested capital.
Margem Bruta, or gross margin, is a measure of a company's financial performance. A high gross margin indicates a company's ability to maintain profitability.
Margem Ebitda, or EBITDA margin, is a measure of a company's financial performance. A high EBITDA margin indicates a company's ability to generate cash flow.
Margem Líquida, or net margin, is a measure of a company's financial performance. A high net margin indicates a company's ability to maintain profitability.
Dívida Líquida/Ebitda, or net debt to EBITDA, is a measure of a company's financial performance. A high net debt to EBITDA indicates a company's ability to generate cash flow.
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Investing and Acionistas
Itaú Unibanco has a strong presence in the Brazilian market, with over 100 million customers. This is largely due to its extensive network of branches and ATMs.

The bank offers a wide range of financial services, including savings accounts, loans, and credit cards. These products cater to various customer needs and are designed to be user-friendly.
Investors can choose from a variety of investment options, including stocks, bonds, and mutual funds, which are managed by Itaú Unibanco's experienced investment team.
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Como Investir em Ações
To invest in ações, or stocks, you'll need to access your corretora, or brokerage account, and search for the code ITUB4.
The Itaú, with the code ITUB4, is a well-established bank with a strong presence in Brazil and internationally.
You can find the Itaú's code ITUB4 on your corretora's website or mobile app.
The Itaú has a significant presence in the Brazilian market, with around 5 mil agências and 26 mil caixas eletrônicos across the country.
Investing in the Itaú, with the code ITUB4, also gives you access to the bank's international operations, which span 21 countries in the Americas, Europe, Middle East, and Asia.
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Consegue Decisão Judicial Contra Ex-CFO Acusado

Itaú recently obtained a court decision against their former CFO, Alexsandro Broedel, who was accused of fraud.
The court ordered the blocking of Broedel's house sale, valued at R$ 10 million. This decision was made after the bank released its quarterly balance sheet, which led to a decline in its market value.
Services and Products
Itaú Unibanco offers a wide range of services, including banking, investments, and digital services. Their main focus is on providing banking services, with a strong presence in the retail segment.
They provide various services such as credit, current accounts, financing, and insurance. They also offer services for businesses and individuals, including Itaú Personnalité and Itaú Empresas.
Here are some of the specific services and products offered by Itaú Unibanco:
- Itaú
- Itaú Personnalité
- Itaú Empresas
- Itaú Private Bank
- Itaú BBA
- Itaú Personal Bank
- RappiCard Itaú Chile (until 2024)
Teto de Preço de ITUB4 Método Bazin
Décio Bazin was a renowned investor who focused on companies that pay dividends, and his strategy led to success.
His formula sets a maximum price to pay for a stock based on the dividends the company distributes.
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The price-teto, or price ceiling, is a key concept in Bazin's method, which is used to determine the maximum price of ITUB4.
This approach helps investors avoid overpaying for a stock and ensures they get a good return on their investment.
Décio Bazin's strategy is based on the idea that companies that pay dividends are more likely to be stable and profitable.
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Servicios y Áreas de Negocio
Itaú offers a wide range of services and products to cater to different needs. Their services include banking, investments, and digital market activities.
Itaú's focus is on providing banking services, particularly in the retail segment, where they offer credit, current accounts, financing, and insurance services. They also have a presence in the investment and digital markets.
The bank operates in various areas, including Itaú Personnalité, Poder público, and Unidad de persona jurídica. These areas offer specialized services to meet the needs of different clients.
Here are some of the specific services and areas of business offered by Itaú:
- Itaú Personnalité
- Poder público
- Unidad de persona jurídica
- Itaú Empresas
- Institucional
- Itaú Personal Bank
- Itaú Private Bank
- Taií
- Itaú BBA
- Itu (Chile)
- RappiCard Itaú Chile (hasta 2024)
News and Events

Itaú Unibanco is a Brazilian bank that has been making headlines in the financial world. Itaú Unibanco is one of the largest banks in Brazil, with over 100 million customers.
In 2015, Itaú Unibanco acquired Unibanco, creating the largest private bank in Brazil. The bank has a strong presence in Latin America, with operations in several countries.
Itaú Unibanco has been expanding its services, including digital banking and mobile payments. The bank's mobile app has seen significant growth, with over 10 million downloads.
The bank has also been investing in technology, including artificial intelligence and blockchain. These investments aim to improve customer experience and reduce costs.
Itaú Unibanco has received several awards for its innovation and customer service.
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Company Data and History
Itaú Unibanco is one of the largest banks in Latin America, with a presence in 20 countries across the Americas, Europe, and North America.
The company was founded in 1943 by Alfredo Egydio de Souza Aranha, who established the Banco Central de Comércio in São Paulo.
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Itaú Unibanco has a long history of expansion, with its first agency opening in 1945, just two years after its founding.
By the end of the 1940s, the company had established 10 agencies in the state of São Paulo.
In the 1960s, Itaú acquired the Banco Itaú in Minas Gerais, renaming it the Banco Federal Itaú S.A.
Itaú Unibanco has a strong presence in the Brazilian market, with 55 million clients and 12 million current account holders.
The company operates under the ticker ITUB3 and ITUB4 on the B3 stock exchange and has a large cap status.
Here are some key facts about Itaú Unibanco:
Itaú Unibanco has a strong focus on governance and customer experience, with a presence in 20 countries and a large cap status.
Dividendos and Remuneração
Dividendos are a key part of Itaú Unibanco's history, with the Radar de Dividendos Inteligente projecting possible months of dividend payments in the future.
The bank's remuneration plan is quite detailed, with various forms of compensation for its members, including salary, benefits, and participation in committees.
Here are some ways Itaú Unibanco's members are remunerated:
- Salary/ProLabore
- Benefits Direct/Indirect
- Participation of Committees
- Bonus
- Participations of Results
- Other forms of remuneration (over 10)
The bank's remuneration is reported on a yearly, trimestral, and quarterly basis, providing transparency and accountability.
Remuneração do BANCO

The remuneration of the BANCO ITAU UNIBANCO is quite complex, but it's based on several key factors.
One of the ways the bank compensates its members is through salaries and benefits, which can be paid annually, trimestrally, or even visão por trimestre.
The bank also offers various benefits, including direct and indirect benefits, which can add up to a significant amount.
Here's a breakdown of the different types of remuneration the bank offers:
- ANUAL
- TRIMESTRAL
- VISÃO POR TRIMESTRE
- 1º trimestre
- 2º trimestre
- 3º trimestre
- 4º trimestre
These are just some of the ways the bank compensates its members, and it's worth noting that there are over 10 other forms of remuneration not listed here.
Radar de Dividendos Inteligente ITUB4
The Radar de Dividendos Inteligente is a powerful tool for investors looking to maximize their returns. It projects possible dividend payment months based on the historical dividend record of the ITUB4.
The Radar de Dividendos Inteligente uses historical data to make informed predictions about future dividend payments. This means investors can make more informed decisions about when to expect dividends from ITUB4.

According to the Radar de Dividendos Inteligente, ITUB4 has a strong history of dividend payments. This suggests that investors can rely on a steady stream of income from the bank.
One way to evaluate ITUB4's dividend potential is to look at its dividend yield. The dividend yield is a ratio that shows the amount of dividend income an investor can expect to receive for every dollar invested in the stock.
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Integrated Reporting
Itaú Unibanco was a pioneer among Brazilian financial institutions in adopting Integrated Reporting, signing up to the pilot program for the IIRC integrated reports in 2013.
The bank's adoption of Integrated Reporting marked a natural evolution in transparency, presenting corporate information in a more unified and concise format. This model associates financial results with the value created by social and environmental initiatives.
Itaú Unibanco was one of the first banks in the world to adopt this new reporting model, which enables the bank to present its corporate information in a more unified and concise format.

The Integrated Report presented by Itaú Unibanco in 2019 was a result of this new reporting model, which aims to provide a more prospective and strategic vision of the company to investors and other stakeholders.
Implementing Integrated Reporting requires behaviour changes and process reviews, which can be challenging but ultimately bring long-term benefits.
10 Anos
Itaú Unibanco is a Brazilian bank that has been around for a long time, and one notable milestone is that it's been 10 years since the bank's name was changed to Itaú Unibanco.
The bank's ITUB4 ticker symbol has been a part of its identity since the name change, and it's still widely used today.
Itaú Unibanco has a strong presence in Brazil and has been a major player in the country's financial sector for many years.
In 2015, the bank's name was officially changed to Itaú Unibanco, marking a significant shift in its branding and identity.

The ITUB4 ticker symbol has been a key part of the bank's identity, and it's still widely recognized by investors and customers alike.
Itaú Unibanco has a long history of innovation and growth, and its 10-year anniversary is a testament to its enduring success.
The bank's name change was a strategic move to reflect its growing presence in the market and its commitment to innovation.
Itaú Unibanco continues to be a major player in Brazil's financial sector, and its ITUB4 ticker symbol remains a widely recognized and trusted symbol of the bank's brand.
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