Creating Shared Value - 2020 Strategy & Results
Strategic Shift
With signs of headwinds on the economic front, Itaú Unibanco is prepared for a challenging scenario.
Net Interest Margin
13,4%
Change in the Portfolio Mix
7,4%
Itaú
Jun-12
25.5
24.2
15.9
10.3 7.9 6.5 6.4 3.3
11,3%
Jun-13
27.7
21.3
11.9
11.0 7.1 8.4 7.8 4.9
Jun-14
29.5
18.4
8.2
12.9
6.8 8.3 8.7 7.2
Jun-15
30.0
16.7
5.2
12.3 6.5
10.2
9.3
9.9
7,2%
Corporate
Personal Loans
Credit Card
2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15
Credit NIM (Gross Spread)
Latin America
Vehicles
Payroll Loans
Risk Adjusted Credit NIM (net spread)
Linear (Credit NIM (Gross Spread))
......Linear (Risk Adjusted Credit NIM (net spread))
■ Very Small, Small and Middle Market
Mortgage Loans
90-day NPL Ratio
7,3% 7,5% 6,9% 6,7% 6,4% 6,0% 5,8% 5,4% 5,2% 5,0% 4,7% 4,5% 4,6%
5,2% 5,1% 4,8% 4,5% 4,2% 3,9% 3,7% 3,5% 3,4% 3,2% 3,1% 3,0%
3,5% 3,3% 3,2% 2,9% 2,5% 2,3% 2,0% 1,9% 1,8% 1,8% 1,8% 1,8% 2,2%
3,3%
O
Jun/12 Sep/12 Dec/12 Mar/13 Jun/13 Sep/13 Dec/13 Mar/14 Jun/14 Sep/14 Dec/14 Mar/15 Jun/15
--Companies --Total --Inidividuals
Itaú Unibanco Holding S.A.
Efficiency Ratio (%)
49,8
49,2
48,9.
48,2
47,5
46,5
46,0
2Q13
1Q14
2Q14
4Q13
3Q13
Quarterly Efficiency Ratio (%)
3Q14
4Q14
43,2
42,9
1Q15
........ Linear (Quarterly Efficiency Ratio (%))
2Q15
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