Itaú Unibanco Holding S.A. has announced its financial results for the third quarter of 2026, reporting a net income of BRL 12.6 billion. This impressive figure reflects the bank's disciplined approach to risk management and significant investments in technology. The return on equity for the quarter stood at 23.6%, showcasing the bank's ability to generate profits effectively.

The total loan portfolio reached BRL 1.5 trillion, driven primarily by growth in collateralized products, which offer lower costs to clients. The bank's non-performing loan (NPL) ratio for loans overdue by more than 90 days ended the quarter at 2.0%, a testament to its credit origination discipline and portfolio monitoring.

Milton Maluhy Filho, CEO of Itaú Unibanco, stated, "The consistency of our results reflects a long-term strategy underpinned by disciplined management, responsible credit origination, and the quality of our portfolio. We continue to grow profitably while maintaining strong and consistent investments in technology and artificial intelligence, which are essential to expanding our ability to better serve our clients." This approach includes the acquisition of Neospace and the launch of ia.i, aimed at transforming the financial experience for individuals and corporates.

Gabriel Amado de Moura, CFO of Itaú Unibanco, emphasized the bank's strong balance sheet, noting that the Common Equity Tier 1 (CET I) ratio reached 12.7%, supported by organic capital generation. The bank's liquidity indicators are robust, with the Liquidity Coverage Ratio (LCR) ending September at 205.8%, significantly above the regulatory requirement.

In terms of operational performance, the bank reported a 2.2% increase in its loan portfolio during the quarter, led by growth in mortgage loans (+4.4%), payroll loans (+3.5%), and loans to small and medium enterprises (+4.2%). Fee income also saw a slight increase of 0.5%, with asset management revenues rising by 7.8%. However, investment banking revenues declined due to lower fixed-income securities issuance.

Itaú Unibanco's results for the third quarter were in line with market consensus, reflecting the bank's competitive position within the state commercial banking sector. As the bank continues to innovate and adapt to market demands, its performance will likely influence strategies among competitors in the industry.

The filing does not specify what happens next, but the bank's continued focus on technology and risk management suggests ongoing efforts to enhance client services and maintain its market position.