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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Itaú Unibanco
Itaú Unibanco (ITUB4) investor relations material
Itaú Unibanco Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary5 Aug, 2026
Executive summary
Recurring net income reached BRL 12.4 billion in Q2 2026, up 7.8% year-over-year and 1% sequentially, with consolidated ROE at 24.3% and Brazil at 25.7%.
Loan portfolio grew to BRL 1.522 trillion, up 2.7% quarter-over-quarter and 9.6% year-over-year, with strong growth in mortgages and payroll loans.
Efficiency ratio improved to 35.5% in Brazil and 37.4% consolidated, reflecting ongoing cost discipline and digital transformation.
Nonperforming loans over 90 days remained stable at 1.9%, reflecting prudent credit strategy.
Technology investments, including AI initiatives and digital platform integration, enhanced client experience and operational efficiency.
Financial highlights
Financial margin with clients reached BRL 32.6 billion, up 3.3% sequentially and 5.1% year-over-year.
Non-interest expenses totaled BRL 16.7 billion, up 3.3% sequentially and 3.1% year-over-year.
Cost of credit was BRL 10.1 billion, stable at 2.7% of the portfolio.
Commissions, fees, and insurance operations grew modestly, with asset management revenues up.
Common Equity Tier 1 ratio at 12.3%, up 30 bps from March, reflecting strong capital generation.
Outlook and guidance
Maintained guidance for loan portfolio growth, NII with clients, cost of credit, and non-interest expenses for 2026.
Revised expected growth for commissions, fees, and insurance results to 2%-5% due to market volatility.
Continued focus on quality growth, capital allocation discipline, and risk management amid a dynamic macroeconomic environment.
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Latest events from Itaú Unibanco
- Q4 profit rose 22.6% YoY as ROE reached 21.2%; FY2024 credit growth guidance is 6.5%–9.5%.ITUB4
Q4 2023 - Recurring managerial result up 10.4% YoY, ROE 24.8%, credit portfolio +9%, efficiency at record low.ITUB4Q1 2026
- 2025 recurring result rose 13.1% to R$46.8B, ROE 24.4%, and efficiency ratio 38.9%.ITUB4Q4 2025
- Net income up 11.3% YoY, ROE 23.3%, CET1 13.5%, with strong loan growth and efficiency.ITUB4Q3 2025
- Net income up 14.3% YoY to R$11.5B, with strong ROE, NII growth, and digital engagement.ITUB4Q2 2025
- Net income rose 15.2% YoY to R$10.1B, with record efficiency and strong loan growth.ITUB4Q2 2024
- Efficiency, digitalization, AI, and ESG drive sustainable growth and LatAm leadership.ITUB4Investor Day 2024
- Recurring managerial net income reached R$11.1bn in 1Q25, with ROE at 22.5%.ITUB4Q1 2025
- Net income up 24.4% to R$42.1B, with strong credit growth, digital innovation, and robust capital.ITUB4Q4 2024
Next Itaú Unibanco earnings date
Q3 20264 Nov, 2026
Itaú Unibanco
Next Itaú Unibanco earnings date
Q3 20264 Nov, 2026
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Frequently asked questions
Itaú Unibanco Holding S.A. provides a range of financial products and services in Brazil and internationally, providing customers the opportunity to reach financial success. The company's segment consists of Automobile and Insurance; Capital Markets; Real Estate, Loans, Leasing and Credit; Small and Medium Businesses; Retail Finance; Private Financial Services, Institutional Asset Management of Private Equities (IAM) & Private Integration (PI); Consumer Finance; Corporate Information Solutions and Innovation, among others. Itaú Unibanco Holding S.A. is based in São Paulo, Brazil.