Itaú Unibanco Holding S.A. provides a range of banking services to individuals and corporate clients. Segments The company operates in three segments, such as Retail Banking; Wholesale Banking; and Activities with the Market and Corporation. Retail Banking This segment offers services to a diversified base of account holders and non-account holders, individuals and companies. This segment includes retail clients, high net worth clients (Itaú Uniclass and Personnalité) and the corporate segment (very small and small companies). This segment comprises financing and lending activities carried out in units other than the branch network, and offering of credit cards, in addition to operations with Itaú BMG Consignado. Wholesale Banking This segment is responsible for the company’s private banking clients, the activities of Latin America units, its middle-market banking business, and the activities of Itaú BBA, which is the unit in charge of corporate and investment banking activities. Corporate activities include providing banking services to large corporations; and investment banking activities include offering funding resources to the corporate sector, including through fixed and variable income instruments. Activities with the Market and Corporation This segment manages interest income associated with the company’s capital surplus, subordinated debt surplus and the net balance of tax credits and debits, as well as net interest income from the trading of financial instruments through proprietary positions, management of currency interest rate gaps and other risk factors, arbitrage opportunities in the foreign and Brazilian domestic markets, and mark-to-market of financial instruments. This segment also includes the company’s interest in Porto Seguro. The company carries out a range of operations outside of Brazil with units strategically located in the Americas, Europe and Asia. 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. It offers exclusive 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. Competition: The company’s main competitors are Caixa Econômica Federal, Banco do Brasil S.A., Banco Bradesco S.A. and Banco Santander Brasil S.A. 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. 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 288 branches, located in the main Brazilian cities. Itaú Empresas (Very Small and Small Companies) To meet the needs of its corporate clients, the company offers customized solutions and provides advice on all products and services to very small companies, a client base served by 2,153 banking branches as of December 31, 2015; and small companies, a client base served by 360 business offices as of December 31, 2015. 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 2015, the company had 4,983 public sector clients and 12 offices in Brazil. Investment Banking The company
itau unibanco h-spon prf adr
Praça Alfredo Egydio de Souza Aranha, n° 100
Torre Conceicao - CEP
São Paulo, SP 04344-902
Phone: 55 11 2794 3547
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