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    Jorge Echevarria Gonzalez

    Research Analyst at Morgan Stanley

    Jorge Ignacio Echevarria Gonzalez is an analyst at Morgan Stanley with a decade of experience in the financial industry, focusing on equity research and investment analysis. He has engaged with leading Latin American companies such as BTG Pactual and has participated in major earnings calls, demonstrating a strong understanding of banking, sales & trading, and digital asset management dynamics. Beginning his career in 2015, he has built his professional path exclusively at Morgan Stanley and holds an extensive array of securities licenses across 53 U.S. states, with a clean regulatory record. Echevarria Gonzalez is FINRA-registered and recognized internally for his analytical depth and client communication skills.

    Jorge Echevarria Gonzalez's questions to Itau Unibanco Holding (ITUB) leadership

    Jorge Echevarria Gonzalez's questions to Itau Unibanco Holding (ITUB) leadership • Q4 2024

    Question

    Jorge Echevarria Gonzalez from Morgan Stanley asked about the acquiring business, noting decelerating TPV growth and inquiring about market share dynamics and the 2025 outlook for competition and pricing.

    Answer

    CEO Milton Maluhy Filho stated that the acquiring business is now viewed as fully integrated into the overall client relationship, not as a standalone product to be optimized for market share. He emphasized that the bank will not pursue unprofitable market share and is focused on the total profitability of the client relationship. He also suggested that the reporting for this segment may change to avoid being misleading.

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