ITA脷 UNIBANCO - MATERIAL FACT - Projections 2025
Ita煤 Unibanco (NYSE:ITUB) has released revised financial projections for 2025, updating key performance metrics. The bank has notably increased its guidance for financial margin with clients to 11.0%-14.0% from the previous 7.5%-11.5% range.
The bank maintained several projections, including total credit portfolio growth of 4.5%-8.5%, financial margin with the market between R$1.0-3.0 billion, and cost of credit between R$34.5-38.5 billion. The effective tax rate forecast was adjusted upward to 28.5%-30.5% from 27.0%-29.0%.
Ita煤 disclosed a cost of capital of approximately 15.0% per year for business management purposes as of February 2025.
Ita煤 Unibanco (NYSE:ITUB) ha pubblicato le previsioni finanziarie aggiornate per il 2025, rivedendo i principali indicatori di performance. La banca ha aumentato significativamente la stima del margine finanziario con i clienti al 11,0%-14,0%, rispetto alla precedente fascia del 7,5%-11,5%.
Rimangono invece confermate diverse proiezioni, tra cui la crescita del portafoglio crediti totale tra il 4,5% e l'8,5%, il margine finanziario con il mercato compreso tra 1,0 e 3,0 miliardi di R$, e il costo del credito tra 34,5 e 38,5 miliardi di R$. La previsione dell'aliquota fiscale effettiva 猫 stata rivista al rialzo, portandola al 28,5%-30,5% rispetto al precedente 27,0%-29,0%.
Ita煤 ha inoltre comunicato un costo del capitale di circa 15,0% annuo da utilizzare per la gestione aziendale a partire da febbraio 2025.
Ita煤 Unibanco (NYSE:ITUB) ha publicado proyecciones financieras revisadas para 2025, actualizando los principales indicadores de desempe帽o. El banco ha incrementado notablemente su gu铆a para el margen financiero con clientes al 11,0%-14,0%, desde el rango previo de 7,5%-11,5%.
Se mantienen varias proyecciones, incluyendo un crecimiento de la cartera total de cr茅ditos entre 4,5% y 8,5%, un margen financiero con el mercado entre 1,0 y 3,0 mil millones de R$, y un costo de cr茅dito entre 34,5 y 38,5 mil millones de R$. La tasa efectiva de impuestos fue ajustada al alza a 28,5%-30,5% desde el 27,0%-29,0% anterior.
Ita煤 revel贸 un costo de capital aproximado del 15,0% anual para fines de gesti贸n empresarial a partir de febrero de 2025.
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齑� 鞁犾毄 韽姼韽措Μ鞓� 靹膘灔毳� 4.5%-8.5%, 鞁滌灔瓿检潣 旮堨湹 毵堨 10鞏祣30鞏� 項れ晫, 鞁犾毄 牍勳毄 345鞏祣385鞏� 項れ晫 霌� 鞐煬 鞝勲旃橂姅 鞙犾霅橃棃鞀惦媹雼�. 鞙犿毃 靹胳湪 鞝勲鞚� 旮办〈 27.0%-29.0%鞐愳劀 28.5%-30.5%搿� 靸來枼 臁办爼霅橃棃鞀惦媹雼�.
Ita煤電� 2025雲� 2鞗� 旮办鞙茧 靷梾 甏�毽� 氇╈爜鞚� 鞙勴暅 鞛愲掣 牍勳毄鞚� 鞎� 鞐� 15.0%搿� 瓿店皽頄堨姷雼堧嫟.
Ita煤 Unibanco (NYSE:ITUB) a publi茅 des projections financi猫res r茅vis茅es pour 2025, mettant 脿 jour les principaux indicateurs de performance. La banque a notamment relev茅 ses pr茅visions pour la marge financi猫re avec les clients 脿 11,0%-14,0%, contre une fourchette pr茅c茅dente de 7,5%-11,5%.
Plusieurs projections ont 茅t茅 maintenues, notamment la croissance totale du portefeuille de cr茅dits entre 4,5% et 8,5%, une marge financi猫re avec le march茅 comprise entre 1,0 et 3,0 milliards de R$, et un co没t du cr茅dit entre 34,5 et 38,5 milliards de R$. Le taux d'imposition effectif pr茅vu a 茅t茅 r茅vis茅 脿 la hausse, passant de 27,0%-29,0% 脿 28,5%-30,5%.
Ita煤 a 茅galement indiqu茅 un co没t du capital d'environ 15,0% par an 脿 des fins de gestion d'entreprise 脿 compter de f茅vrier 2025.
Ita煤 Unibanco (NYSE:ITUB) hat 眉berarbeitete Finanzprognosen f眉r 2025 ver枚ffentlicht und dabei wichtige Leistungskennzahlen aktualisiert. Die Bank hat ihre Prognose f眉r die finanzielle Marge mit Kunden auf 11,0%-14,0% von zuvor 7,5%-11,5% deutlich angehoben.
Mehrere Prognosen wurden beibehalten, darunter ein Wachstum des gesamten Kreditportfolios von 4,5%-8,5%, eine finanzielle Marge mit dem Markt zwischen 1,0 und 3,0 Milliarden R$ sowie Kreditkosten zwischen 34,5 und 38,5 Milliarden R$. Die Prognose der effektiven Steuerquote wurde von 27,0%-29,0% auf 28,5%-30,5% nach oben korrigiert.
Ita煤 gab au脽erdem an, dass die Kapitalkosten f眉r das Gesch盲ftsmanagement ab Februar 2025 bei etwa 15,0% pro Jahr liegen.
- Increased guidance for financial margin with clients to 11.0%-14.0%, up from 7.5%-11.5%
- Maintained positive credit portfolio growth projection of 4.5%-8.5%
- Stable financial margin with market projection between R$1.0-3.0 billion
- Higher effective tax rate projection of 28.5%-30.5%, increased from 27.0%-29.0%
- Significant cost of credit projected between R$34.5-38.5 billion
Insights
Ita煤 Unibanco raises 2025 client margin forecasts while increasing tax rate projections, signaling stronger core operations despite tax headwinds.
Ita煤 Unibanco's revised 2025 projections reveal significant positive adjustments to its core banking operations. The standout improvement comes in financial margin with clients, where the bank has substantially raised guidance from
The bank maintained several key projections, including its total credit portfolio growth (
The only negative revision comes in the effective tax rate projection, which increased from
Notably, management disclosed a cost of capital of approximately
The maintained credit portfolio growth suggests stable lending activity, while the unchanged cost of credit projection indicates consistent credit quality expectations despite the expanded lending margin forecast. This combination points to improved profitability on new and existing loans rather than taking on higher-risk credits.
S脙O PAULO, Aug. 5, 2025 /PRNewswire/ -- Ita煤 Unibanco Holding S.A. ("Ita煤 Unibanco" or "Company"), in compliance with the provisions of Article 157, paragraph 4 of Law No. 6,404/76 and Resolution No. 44/21 of the Brazilian Securities and Exchange Commission (CVM), informs its stockholders and the market in general that it released as of this date its revised projections for the year 2025 in accordance with item 3 ("Projections") of the Reference Form.
2025 Forecast | Consolidated | Reviewed |
Total credit portfolio鹿 | Growth between | Maintained |
Financial margin with clients | Growth between | Growth between |
Financial margin with the market | Between | Maintained |
Cost of credit虏 | Between | Maintained |
Commissions and fees and results | Growth between | Maintained |
Non-interest expenses | Growth between | Maintained |
Effective tax rate | Between | Between |
(1) Includes financial guarantees provided and private securities; (2) Composed of Expected Loss Expenses, discounts granted and Recovery of Losses Written of as Losses; (3) Commissions and fees (+) income from insurance, pension plan and premium bonds operations (-) expenses for claims (-) insurance, pension plan and premium bonds selling expenses. | ||
It is important to mention that, as of February 2025, the company considers a cost of capital of around
Information on outlooks for the business, projections, and operational and financial goals are solely forecasts, based on management's current outlook in relation to the future of Ita煤 Unibanco. These expectations are highly dependent on market conditions, the general economic performance of the country, of the sector and the international markets. Therefore, our effective results and performance may differ from those forecasted in this prospective information.
Gustavo Lopes Rodrigues
Investor Relations Officer
Contact:聽Ita煤 Unibanco 鈥� Comunica莽茫o Corporativa
Phone: (11) 5019-8880 / 8881
贰-尘补颈濒:听[email protected]
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SOURCE Ita煤 Unibanco Holding S.A.
FAQ
What are Ita煤 Unibanco's (ITUB) credit portfolio growth projections for 2025?
What is ITUB's projected financial margin with clients for 2025?
What is Ita煤 Unibanco's cost of capital as of February 2025?
What is ITUB's projected effective tax rate for 2025?
What is Ita煤's projected cost of credit for 2025?
