Itaú Unibanco Holding S.A. provides various financial products and services to individuals and corporate clients in Brazil and internationally. In Brazil, the company serves retail clients through the branch network of Itaú Unibanco S.A. (Itaú Unibanco) and to wholesale clients through Banco Itaú BBA S.A. (Itaú BBA), and overseas through branches in New York, Grand Cayman, Tokyo, and Nassau, and through subsidiaries mainly in Argentina, Chile, the U.S. (New York and Miami), and Europe (Lisbon, London, Luxembourg and Switzerland), Cayman Islands, Paraguay, Uruguay and Colombia. Segments The company operates through the following segments: The Commercial bank – Retail segment offers services to a diversified base of individuals and companies. Such services include insurance, pension plan and premium bonds, credit cards, asset management, credit products and are customized and developed to meet clients’ demands, through specialized units. The company’s marketing strategies are modified to each client profile and implemented through the most suitable distribution channels. Through the Consumer credit – Retail segment, the company implements its strategy of expanding its offering of financial products and services beyond its account holders. As such, this segment oversees the financing of vehicles outside its branch network, and offering of credit cards to individuals who are not accountholders and Itaú BMG Consignado operations. The Wholesale bank is responsible for its corporate and investment banking activities, including its middle-market banking business. Its corporate activities include providing banking services to large corporations; and investment banking activities include funding resources to the corporate sector, through fixed and variable income instruments. Products and Services Itaú Retail Banking (individuals) The company’s core business is retail banking and through its retail operation the company offers a dedicated service structure to consumer clients throughout Brazil. The company’s Itaú Uniclass services are available at every branch for clients who earn more than R$4,000 or R$5,000 per month, depending on the region. The company offers services to its Itaú Uniclass clients, including investment advisory services, exclusive cashiers, special telephone service and higher credit limits, and a team of dedicated relationship managers. Itaú Personnalité (banking for high-income individuals) The company began providing customized services to high-income individuals with the creation of Itaú Personnalité that serves individuals who earn more than R$10,000 per month or have investments in excess of R$100,000. Itaú Personnalité’s is focused on providing financial advisory services by managers who understand the specific needs of its higher-income clients, a large portfolio of exclusive products and services, and special benefits based on the type and length of relationship with the client, including discounts on various products and services. Itaú Personnalité services its clients through a network comprised of 289 branches, located in the main Brazilian cities. Itaú Empresas (very small and small companies) The company offers, through a dedicated structure, customized solutions and provides detailed advice on all products and services to: very small companies and small companies. The company launched new products in 2014, such as the ‘Flex’ plan, allowing its merchant clients to anticipate revenues from credit card sales and the ‘Combo’ plan, a service plan providing reduced Conta Certa fees and REDE equipment rental. Public Sector The company’s public sector business operates in all divisions of the public sector, including the federal, state and municipal governments. To service public sector clients, the company uses platforms that are separate from its retail banking branches, with teams of specially trained managers who offer customized solutions in tax collection, foreign exchange services, administration of public assets, payments to suppliers, payroll for civil and military servants and retirement. In December 2014, the company had 2,707 public sector clients and
itau unibanco h-spon prf adr
Praça Alfredo Egydio de Souza Aranha, n° 100
São Paulo, SP 04344-902
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