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    Nicio

    Research Analyst at Ingenia

    No publicly available information could be found to confirm the existence or professional details of an analyst named Nicio at Ingenia, including their job title, company coverage, performance metrics, career history, or credentials. As of this search, there is no LinkedIn profile or verifiable web record associating an individual named Nicio with analyst roles at Ingenia or comparable firms. Consequently, details regarding their corporate coverage, analyst rankings, success rates, or professional licenses could not be determined.

    Nicio's questions to Itau Unibanco Holding (ITUB) leadership

    Nicio's questions to Itau Unibanco Holding (ITUB) leadership • Q2 2024

    Question

    The analyst from Ingenia asked for an update on the 'Atlas' product for entrepreneurs, cross-sell performance in the 'One Itaú' pilot, and the dynamics of NII sensitivity to interest rates and the capital hedge.

    Answer

    CEO Milton Maluhy Filho explained that the 'One Itaú' pilot is focused on a quality migration experience, with cross-selling to be developed later. 'Atlas' is a complementary digital offering within the business segment, not a standalone product for mass ramp-up. Regarding NII, he noted the bank's balanced portfolio and hedging strategies make its margin less sensitive to interest rate volatility than perceived, highlighting the capital hedge as a key decision for stability.

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