Itaú Unibanco Holding S.A. - Material Fact: 2021 Revised Projections

guidance 2021

consolidated

Brazil¹

previous

previous

reviewed

total credit portfolio²

growing between
5.5% to 9.5%

growing between
8.5% to 11.5%

growing between
8.5% to 12.5%

growing between
12.5% to 15.5%

financial margin with clients

growing between
2.5% to 6.5%

maintained

growing between
3.0% to 7.0%

maintained

financial margin with the market

range from
R$4.9 bn to R$6.4 bn

range from
R$6.5 bn to R$8.0 bn

range from
R$3.3 bn to R$4.8 bn

range from 
R$3.9 bn to R$5.4 bn

cost of credit³

range from 
R$21.3 bn to R$24.3 bn

range from 
R$19.0 bn to R$22.0 bn

range from 
R$19.0 bn to R$22.0 bn

range from 
R$17.0 bn to R$20.0 bn

commissions and fees and results from insurance operations⁴ 

growing between  
2.5% to 6.5%

maintained

growing between
2.5% to 6.5%

maintained

non-interest expenses

maintained

range from
-2.0% to 2.0%

maintained

effective tax rate

range from 
34.5% to 36.5%

maintained

range from
34.0% to 36.0%

maintained

(1) Includes units abroad ex Latin America; (2) Includes financial guarantees provided and corporate securities; (3) Composed of result from loan losses, impairment and discounts granted; (4) commissions and fees (+) income from insurance, pension plan and premium bonds operations (-) expenses for claims (-) insurance, pension plan and premium bonds selling expenses.