Itaú Unibanco Holding S.A. filed its 2025 Form 20‑F with the U.S. Securities and Exchange Commission on April 29, 2026, making the audited financial statements for the year ending December 31, 2025 publicly available in English on the SEC website, the Brazilian Securities and Exchange Commission (CVM) site, and the bank’s investor‑relations portal.
The 2025 report shows a consolidated net income of BRL 46.8 billion, up 13.2 percent year‑over‑year, and a return on equity of 24.4 percent. The loan portfolio grew 6 percent, while services and insurance revenue increased 5.9 percent year‑over‑year, contributing to the overall earnings lift. Transaction volume reached BRL 1 trillion, reflecting continued demand for the bank’s payment and settlement services.
Net interest margin contracted from 9.0 percent to 8.9 percent, a 0.1‑point decline that reflects the broader interest‑rate environment and the bank’s mix of higher‑yielding retail products versus lower‑yielding wholesale exposure. Management highlighted disciplined cost control and a focus on operational efficiency as key drivers of margin resilience, while noting that macro‑economic uncertainty and interest‑rate volatility remain headwinds.
In the fourth quarter of 2025, the bank reported earnings per share of $0.1924 versus a consensus estimate of $0.2025, and revenue of $7.62 billion versus an estimate of $8.78 billion. The miss was attributed to weaker-than‑expected demand in the wholesale segment and the impact of rising funding costs. Management reiterated a cautious outlook for 2026, citing macro‑economic uncertainty while underscoring confidence in the bank’s capital allocation and investment in technology and artificial‑intelligence initiatives.
Shareholders approved the 2025 financial statements and a profit allocation of R$45.66 billion, including R$33.7 billion in dividends and interest on capital. The annual general meeting, held on April 28, 2026, received overwhelming support for the bank’s governance and strategic direction.
The filing provides investors with a comprehensive view of Itaú Unibanco’s financial health, segment performance, and strategic priorities, offering a clear picture of the bank’s resilience and growth prospects in a challenging macro‑economic backdrop.
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