Carlos Gomez-Lopez

Daniel Vaz

Mario Pierry

Renato Meloni

Bernardo Guttmann

Eduardo Rosman

Nicolas Riva

Tito Labarta

Yuri Fernandes

Brian Flores

Gustavo Schroden

Thiago Batista

Thiago Bovolenta Batista

Arnon Shirazi

Daer Labarta

Eduardo Nicchio

Eduardo Nishio

Enrique Navarro

Guilherme Grespan

Gustavo

Henrique Navarro

Jorge Echevarria Gonzalez

Jorge Kuri

Marcelo Mischari

Marcelo Mizrahi

Matheus Guimarães

Nicio

- Itaú Unibanco Holding S.A. has issued **Perpetual Subordinated Financial Bills** totaling **R$3 billion**.  **[1132597_0001132597-25-000004_comunicadoaomercado_letr.htm:0]** 
- These Financial Bills are perpetual in nature and may be repurchased starting from **2031**, subject to prior authorization from the Central Bank of Brazil.  **[1132597_0001132597-25-000004_comunicadoaomercado_letr.htm:0]** 
- The issuance will compose the **Additional Tier 1** of the Company's Total Capital, with an estimated impact of **20 basis points** on its Tier 1 capital ratio, calculated on the capital base of June 30, 2025.  **[1132597_0001132597-25-000004_comunicadoaomercado_letr.htm:0]**

Itaú Unibanco announces R$3 billion Perpetual Subordinated Financial Bills issuance

- Itau Unibanco Holding S.A. increased its social and paid-up capital by **R$33,334,060,190.00** through a **share bonus** on **February 5, 2025**, bringing the total capital to **R$124,063,060,190.00**.  **[1132597_0001292814-25-003206_ex99-1.htm:24]** 
- Several individuals, including **Alfredo Egydio Setubal**, **Álvaro Felipe Rizzi Rodrigues**, and **Ricardo Villela Marino**, took office in various committees on **June 18, 2025**, following their election at the Board of Directors' Meeting on **April 30, 2025**.  **[1132597_0001292814-25-003206_ex99-1.htm:2]** **[1132597_0001292814-25-003206_ex99-1.htm:5]** **[1132597_0001292814-25-003206_ex99-1.htm:17]** **[1132597_0001292814-25-003206_ex99-1.htm:20]** 
- The company plans an early redemption of its **Tenth Issue Tier 1 Subordinated Notes**, with a total face value of **US$750,000,000.00**, on **September 19, 2025**.  **[1132597_0001292814-25-003206_ex99-1.htm:25]** **[1132597_0001292814-25-003206_ex99-1.htm:26]** 
- Itau Unibanco issued **Senior Notes** (Twentieth Issue) with a total face value of **US$1,000,000,000.00** on **February 24, 2025**, carrying a fixed interest rate of **6.000%** per year and maturing on **February 27, 2027**.  **[1132597_0001292814-25-003206_ex99-1.htm:31]** **[1132597_0001292814-25-003206_ex99-1.htm:32]**

Itau Unibanco Reports Capital Increase, Board Appointments, and Debt Activities

- Itau Unibanco is undergoing a significant **digital transformation**, employing **17,000 people** in technology  **[1132597_tx_379835_2]**  and transitioning clients to a **Super App**, with **10 million users** already and an expected **15 million by year-end**.  **[1132597_tx_379835_2]**  The bank aims to serve approximately **75%** of its clients through digital or remote models within **two to three years**.  **[1132597_tx_379835_21]** 
- The bank has achieved its **lowest efficiency ratio ever**  **[1132597_tx_379835_2]** , demonstrating a consistent improvement from **69% in 1994** to **39% in 2024**  **[1132597_tx_379835_12]** , and is currently seeing possibly record levels of **Return on Equity above 24%**.  **[1132597_tx_379835_2]** 
- Retail banking has shown strong growth, with the SME credit portfolio tripling over the last five to six years  **[1132597_tx_379835_14]**  and the individual portfolio doubling  **[1132597_tx_379835_14]** , while client satisfaction (NPS) has increased by **15 points** over the past five years.  **[1132597_tx_379835_14]** 
- Wholesale banking (Itaú BBA) has also experienced substantial growth, with its credit portfolio more than doubling to nearly **R$600 billion**  **[1132597_tx_379835_31]**  and Itaú Asset's assets under management exceeding **R$1 trillion**.  **[1132597_tx_379835_31]** 
- The company intends to continue its policy of paying **additional dividends** annually, with positive projections for strong results and robust capital generation capacity for the upcoming year.  **[1132597_tx_379835_51]**

Itau Unibanco Holding Emphasizes Digital Transformation and Strong Financial Performance at Investor Day 2025

Itau Unibanco Holding (ITUB)