Slides
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2Q26 RESULTS itaú São Paulo , August 5th 2026 Itaú Unibanco Holding S.A.
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2 Highlights (1) Considering the Common Equity Tier I (CET I) at 11.5%, in 2Q26 the consolidated recurring managerial return would have been 2 5.1% in the consolidated and 26.7% in Brazil. 2Q26 1.0% vs 1Q26 7 .8% vs 2Q25 R$12.4 billion Recurring managerial result 2Q26 0.5 p.p. vs 1Q26 1.0 p.p. vs 2Q25 Recurring managerial ROE¹ 24.3%CONSOLIDATED 0.7 p.p. vs 1Q26 1.3 p.p. vs 2Q25 BRAZIL Jun-26 Credit portfolio R$1,522 billion 25.7% 2Q26 Financial margin with clients 3.3% vs 1Q26 5. 1% vs 2Q25 R$32.6 billion 2.7% vs Mar-26 9.6% vs Jun-25 Jun-26 Commom Equity Tier I (CET I) 12.3% 2Q26 Non-interest expenses 3.3% vs 1Q26 3. 1% vs 2Q25 R$16.7 billion 0.3 p.p. vs Mar-26 0.8 p.p. vs Jun-25
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3 Jun-26 Mar-26 D Jun-25 D Individuals 487.1 479.5 1.6% 451.9 7.8% Credit card loans 150.4 150.2 0.1% 141.1 6.6% Personal loans 68.1 68.6 -0.6% 67.4 1.1% Payroll loans 81.3 78.6 3.5% 72.8 11.7% Auto loans 35.1 35.7 -1.7% 36.2 -3.3% Mortgage 152.2 146.4 3.9% 134.4 13.3% Very small, small and middle market loans 307.4 302.8 1.5% 275.4 11.6% Corporate loans 474.9 454.8 4.4% 431.4 10.1% Total Brazil 1,269.4 1,237.1 2.6% 1,158.7 9.6% Latin America 253.0 245.6 3.0% 230.4 9.8% Total¹ 1,522.4 1,482.7 2.7% 1,389.1 9.6% Total (ex-fx variation) 1,522.4 1,483.9 2.6% 1,380.2 10.3% Very small, small and middle market loans 307.4 302.2 1.7% 271.6 13.2% Corporate loans 474.9 454.2 4.5% 427.1 11.2% Latin America 253.0 248.0 2.0% 229.6 10.2% 2Q26 x 1Q26 in R$ billion (1) Includes private securities and financial guarantees provided. (2) Last 12 months: July-25 to June-26. R$36 billion Origination last 12 months² Mortgage: leaders in origination 55% market share Among private banks² 1.7% Average balance Individuals 0.3%Very small, small and middle market Credit portfolio 4.5%Corporate 1.6%Latin America Jun-26 x Mar-26 Jun-26 x Jun-25 Private sector employees SMEs Government sponsored facilities 14.3% Payroll 90.1% Portfolio vs Mar-26 Origination vs 1Q26 7.2% 47.3%
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4 31.5 27 .8 28.6 32.6 -3.7 0.3 -0.03 0. 1 0.2 0.2 3.9 1Q26 Working capital and others 1Q26 Spread-sensitive operations 1Q26 Average Volume Product Mix Spreads and liabilities' margin Calendar and working days Latin America and others Spread-sensitive operations 2Q26 Working capital and others 2Q26 2Q26 In R$ billion R$0.8 bn (+2.9%) Financial margin with clients Annualized average margin Consolidated Annualized average margin Brazil (1) Includes capital allocated to the business areas (except treasury), in addition to working capital of the corporation; (2) Change in the composition of assets with credit risk between periods in Brazil; (3) Latin America and structured wholesale operations. 2 3 R$1. 1 bn (+3.3%) 1 1 Margin with clients Risk-adjusted margin with clients 9.4% 9.2% 9. 1% 9. 1% 9. 1% 6.4% 6.3% 6.2% 6. 1% 6.2% 2Q25 3Q25 4Q25 1Q26 2Q26 10.3% 10. 1% 10.0% 10.0% 10.0% 7 .0% 6.8% 6.8% 6.6% 6. 7% 2Q25 3Q25 4Q25 1Q26 2Q26
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5 Financial margin with the market Brazil Latin America Capital index hedge in R$ billion 0.2 0.3 0.2 0.2 0.2 1.3 1.3 1.1 1.3 1.4 0.9 0.9 0.6 0.8 0.9 -0.6 -0.7 -0.7 -0.7 -0.7 2Q25 3Q25 4Q25 1Q26 2Q26
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6 (1) Includes fund management fees and “consórcio” management fees; (2) Result from insurance includes the revenues from insurance, pension plan and premium bonds operations net of retained claims. Commissions, fees and result from insurance 2Q26 1Q26 D 2Q25 D 1H26 1H25 D Card issuance 3.3 3.3 0.4% 3.2 0.9% 6.5 6.5 1.2% Current account for individuals 0.5 0.5 -7.4% 0.6 -21.2% 1.0 1.3 -21.4% Credit operations and guarantees issued 0.6 0.6 -0.3% 0.6 7.8% 1.3 1.2 6.6% Payments and collections 2.0 2.0 -0.4% 2.1 -7.5% 3.9 4.2 -7.3% Asset management¹ 2.0 1.9 4.6% 1.9 7.3% 3.9 3.5 11.0% Advisory services and brokerage 1.3 1.3 -1.3% 0.9 32.5% 2.5 2.0 25.3% Other Brazil 0.5 0.5 2.4% 0.5 0.3% 0.9 0.9 -0.8% Latin America 0.9 0.9 -1.0% 0.9 2.1% 1.9 1.8 2.6% Commissions and fees 11.0 11.0 0.3% 10.8 2.3% 22.0 21.5 2.3% Insurance, pension plans and premium bonds² 3.1 3.0 0.9% 2.8 8.7% 6.1 5.4 12.8% Commissions and insurance 14.1 14.0 0.4% 13.6 3.6% 28.1 26.9 4.4% in R$ billion
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7 15 - 90 days NPL - % Individuals Brazil Total Very small, small and Middle market Latin America Corporate consolidated -0.02 p.p. 90 days NPL- % Brazil consolidated Brazil Note: In the second quarter of 2026, we sold loans with low probability of recovery to unrelated companies and without risk retenti on, which would be active at the end of June-26 and overdue over 90 days worth R$39 million in Brazil and of R$24 million in Latin America, without impact in credit ratios. (1) Desenrola program refers to the Government renegotiation program. Desenrola program¹ impact Credit quality 3.2% 3.0% 2.8% 3. 1% 3.0% 3.0% 2.7% 3.0% 3.0% 1.7% 1.4% 1.2% 1.2% 1.2% 1.3% 1.3% 1.4% 1.5% 0. 1% 0.2% 0.02% 0. 1% 0. 1% 1.0% 0.03% 0. 1% 0.02% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 2.3% 2.2% 1.6% 1.8% 1.7% 2.0% 1.6% 1.7% 1.8% 2.3% 2. 1% 1.5% 1.7% 1.6% 1.9% 1.5% 1.7% 1.7% 2.5% 2.4% 2.3% 2.2% 2.3% 2.2% 2. 1% 2. 1% 2.2% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 2.7% 2.6% 2.0% 1.9% 1.9% 1.9% 1.9% 1.9% 1.9% 3.0% 2.9% 2. 1% 2.0% 2.0% 2.0% 2.0% 2. 1% 2. 1% 1.4% 1.4% 1.3% 1.4% 1.4% 1.3% 1.2% 1. 1% 1. 1% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 4.2% 4.0% 3.8% 3.6% 3.6% 3.6% 3.6% 3.6% 3.7% 2.5% 2.3% 1.7% 1.6% 1.6% 1.7% 1.8% 1.9% 2.0% 0. 1% 0.02% 0. 1% 0. 1% 0. 1% 0. 1% 0. 1% 0. 1% 0. 1% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Without securities Without securities Without securities Without securities
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8 4.3% 4.2% 4. 1% 4.0% 4.2% 4. 1% 8.0% 7 .8% 7 .6% 7 .4% 7 .5% 7 .4% 4.6% 4.6% 4.4% 4. 1% 4.0% 4. 1% 1.8% 1.8% 1.9% 1.9% 2. 1% 2.0% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 4.4% 4.3% 4.2% 3.9% 4.0% 4. 1% 5.8% 5.9% 5.8% 5.8% 5.7% 5.9% 4.3% 4.2% 4.0% 3.8% 3.7% 3.5% 3.5% 3.3% 3.3% 2.7% 3. 1% 3. 1% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Stage 2 portfolio Individuals Total Latin America Companies Stage 3 portfolio Stage 3 coverageStage 2 coverage Credit quality – Resolution 4,966 ratios 16.6% 16.7% 14.5% 14.4% 14.6% 14.5% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 23.7% 24. 1% 23.9% 23.3% 22.9% 22.5% 26. 1% 26.5% 26.5% 26.3% 26.2% 26. 1% 22.9% 23.6% 24.2% 22.5% 20.8% 19.5% 56. 1% 55.8% 55.9% 54.7% 53.6% 53.8% 61.4% 59.2% 59.6% 59.7% 59.3% 59.0% 55.9% 57 . 1% 57 .8% 55.4% 52.2% 52.9% 43. 1% 43.4% 40.2% 39.4% 39.7% 39.7% 30.0% 50.0% 70.0% 90.0% 110.0% 130.0% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26
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9(1) Expected loss expenses + recovery of loans + discounts granted. (2) Cost of credit over the average portfolio; (3) Loan p ortfolio balance ex- financial guarantees provided. Annualized cost of credit / Loan portfolio² - (%) Cost of credit¹(in R$ billion) Renegotiated portfolio (Credit and securities) (in R$ billion) Renegotiated portfolio/ Total portfolio³ - (%) Quality and cost of credit 2.7% 2.7% 2.7% 2.7% 2.7% 2.7% 40. 1 38.8 38.4 35. 1 34.8 36.3 23.7 22.6 22.0 18.3 18.0 19.0 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 3.2% 3. 1% 3.0% 2.6% 2.6% 2.6% 9.5 9.4 9.4 9.7 10.0 10. 1 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Renegotiated Restructured
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10 Consolidated Brazil Efficiency ratio (%) In R$ billion Non-interest expenses 2Q26 1Q26 D 2Q25 D 1H26 1H25 D Commercial and administrative (personnel) (6.5) (6.5) 0.7% (6.6) -0.5% (13.0) (12.6) 3.2% Transactional (personnel, operations and services) (4.1) (3.9) 5.3% (4.0) 3.5% (8.0) (7.9) 1.3% Technology (personnel and infrastructure) (3.1) (3.1) 0.7% (3.0) 4.4% (6.2) (5.8) 6.6% Other (0.8) (0.5) 59.3% (0.6) 33.8% (1.3) (1.1) 23.5% Total - Brazil (14.6) (14.0) 4.1% (14.1) 3.1% (28.6) (27.4) 4.1% Latin America (2.2) (2.2) -1.7% (2.1) 3.3% (4.4) (4.3) 2.6% Non-interest expenses (16.7) (16.2) 3.3% (16.2) 3.1% (32.9) (31.7) 3.9% 39.6% 37.0% 38.0% 38.8% 38.3% 37.1% 37.4% 37.5% 37.3% 37.4% 35.1% 36.3% 37.1% 36.4% 34.9% 35.5% 35.7% 35.2% 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26
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11(1) Includes Prudential and equity adjustments.(2) Considering the limit of 1.5% for AT1, according to CMN Res. No. 4,958. Without this limit, the AT1 would be 1.7%. Capital Mar-26 Common Equity Tier I (CET I) – Net income Jun-26 Tier I capital + 0.8% 1.5%² 12.3% Risk weighted assets1 -0. 1% 13.8% Dividends and interest on own capital - 0.3% 12.0% Common Equity Tier I (CET I) Additional Tier I (AT1)
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12 2026 Guidance Previous T otal credit portfolio¹ Credit portfolio - Brazil Financial margin with clients Cost of credit² Financial margin with the market Commissions and fees and results from insurance operations³ Non-interest expenses Effective tax rate Growth between 5.5% and 9.5% Growth between 6.5% and 10.5% Between 29.5% and 32.5% Growth between 1.5% and 5.5% Growth between 5.0% and 9.0% Between R$38.5 bn and R$43.5 bn Between R$2.5 bn and R$5.5 bn Growth between 5.0% and 9.0% (1) Includes financial guarantees provided and private securities; (2) Composed of expected loss expenses, discounts granted and recovery of loans written off as losses; (3) Commissions and fees (+) income from insurance, pension plan and premium bonds operations (+) expenses for claims New Maintained Maintained Growth between 2.0% and 5.0% Maintained Maintained Maintained Maintained Maintained
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13 São Paulo, August 5th 2026 Itaú Unibanco Holding S.A.
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14 Additional information
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15 Results (1) Revenues from Insurance includes the Revenues from Insurance, Pension Plan and Premium Bonds Operations before Retained Claim s. In R$ million 2Q26 1Q26 2Q25 1H26 1H25 Operating Revenues 47,985 46,822 2.5% 45,828 4.7% 94,807 90,622 4.6% Managerial Financial Margin 33,488 32,326 3.6% 31,846 5.2% 65,813 62,927 4.6% Financial Margin with Clients 32,557 31,506 3.3% 30,988 5.1% 64,062 61,146 4.8% Financial Margin with the Market 931 820 13.6% 858 8.6% 1,751 1,781 -1.7% Commissions and Fees 11,028 10,993 0.3% 10,781 2.3% 22,021 21,517 2.3% Revenues from Insurance 1 3,469 3,504 -1.0% 3,201 8.4% 6,973 6,178 12.9% Cost of Credit (10,139) (9,952) 1.9% (9,443) 7.4% (20,091) (18,967) 5.9% Expected Loss Expenses (10,479) (10,241) 2.3% (9,664) 8.4% (20,720) (19,158) 8.1% Discounts Granted (1,147) (949) 20.8% (1,058) 8.3% (2,096) (2,321) -9.7% Recovery of Loans Written Off as Losses 1,487 1,238 20.2% 1,280 16.2% 2,725 2,512 8.5% Retained Claims (408) (470) -13.2% (386) 5.9% (878) (774) 13.4% Other Operating Expenses (19,610) (18,875) 3.9% (19,019) 3.1% (38,485) (37,170) 3.5% Non-interest Expenses (16,728) (16,188) 3.3% (16,219) 3.1% (32,915) (31,670) 3.9% Tax Expenses for ISS, PIS, Cofins and Other Taxes (2,883) (2,687) 7.3% (2,799) 3.0% (5,570) (5,501) 1.3% Income before Tax and Minority Interests 17,828 17,525 1.7% 16,981 5.0% 35,353 33,710 4.9% Income Tax and Social Contribution (5,044) (4,939) 2.1% (5,173) -2.5% (9,982) (10,453) -4.5% Minority Interests in Subsidiaries (377) (305) 23.9% (300) 25.7% (682) (621) 9.8% Recurring Managerial Result 12,407 12,282 1.0% 11,508 7.8% 24,689 22,636 9.1% D D D
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16 Business model (1) Revenues from Insurance includes the Revenues from Insurance, Pension Plan and Premium Bonds Operations before Retained Claims . (2) Include Tax Expenses (ISS, PIS, COFINS and other) and Minority Interests in Subsidiaries. Total Credit Trading Insurance & services Excess capital Total Credit Trading Insurance & services Excess capital Total Credit Trading Insurance & services Excess capital Operating revenues 94.8 53.8 1.7 38.4 0.9 90.6 50.6 1.8 37.1 1.2 4.2 3.3 (0.1) 1.3 (0.3) Managerial financial margin 65.8 45.3 1.7 17.9 0.9 62.9 42.4 1.8 17.5 1.2 2.9 2.9 (0.1) 0.4 (0.3) Commissions and fees 22.0 8.5 0.0 13.5 - 21.5 8.1 0.0 13.4 - 0.5 0.4 0.0 0.1 - Revenues from insurance ¹ 7.0 - - 7.0 - 6.2 - - 6.2 - 0.8 - - 0.8 - Cost of credit (20.1) (20.1) - (0.0) - (19.0) (19.0) - - - (1.1) (1.1) - (0.0) - Retained claims (0.9) - - (0.9) - (0.8) - - (0.8) - (0.1) - - (0.1) - Non-interest expenses and other² (39.2) (20.6) (0.4) (18.1) (0.0) (37.8) (19.9) (0.5) (17.3) (0.1) (1.4) (0.7) 0.1 (0.7) 0.0 Recurring managerial result 24.7 9.7 0.9 13.4 0.7 22.6 8.5 0.8 12.4 1.0 2.1 1.3 0.1 1.0 (0.2) Average regulatory capital 201.6 126.4 8.2 53.5 13.5 197.9 119.8 5.3 52.3 20.5 3.7 6.6 2.8 1.2 (7.0) Value creation 10.8 1.3 0.3 9.5 (0.2) 8.8 0.3 0.5 8.5 (0.5) 2.0 0.9 (0.2) 1.0 0.3 Recurring managerial ROE 24.5% 15.4% 21.6% 50.0% 10.6% 22.8% 14.1% 30.7% 47.5% 9.4% 1.7 p.p. 1.2 p.p. -9.1 p.p. 2.6 p.p. 1.2 p.p. 1H26 1H25 D (1H26 x 1H25) In R$ billion
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17 São Paulo, August 5th 2026 Itaú Unibanco Holding S.A.