Itaú Unibanco registró un resultado recurrente de R$10,675 mil millones en el tercer trimestre de 2024, con un alza del 18,1% respecto al mismo período del año anterior y un retorno recurrente sobre el patrimonio neto promedio anualizado (ROE) del 22,7%. Entre los factores que más influyeron en los resultados destacan el aumento del margen financiero con clientes, impulsado por el crecimiento de la cartera de crédito, el incremento de los ingresos por servicios y seguros y del margen financiero con el mercado, además de la reducción del costo de crédito.
En R$ millones (excepto donde se
indique de otra forma) |
3T24 | 3T23 | D | 2T24 | D |
Resultado Recurrente de Gestión | 10.675 | 9.040 | 18,1% | 10.072 | 6,0% |
Retorno Recurrente de Gestión sobre el
Patrimonio Neto Promedio Anualizado |
22,7% | 21,1% | 160 bps | 22,4% | 30 bps |
Cartera de Crédito Total Ajustada¹ (R$
mil millones) |
1.278,0 | 1.163,2 | 9,9% | 1.254,1 | 1,9% |
Índice de Morosidad (90 días) – Total | 2,6% | 3,0% | -40 bps | 2,7% | -10 bps |
El costo del crédito ascendía a R$8,2 mil millones en el tercer trimestre de 2024, una caída del 11,0% si se compara con el mismo trimestre del año pasado. El costo del crédito se redujo, principalmente, en los Negocios del Segmento Minorista en Brasil en función de las reducciones del gasto de provisión para créditos de liquidación dudosa y de descuentos concedidos, aparte del aumento en cuanto a la recuperación de créditos cancelados como pérdida. Asimismo, en lo que se refiere a los Negocios del Segmento Mayorista en Brasil, el banco tuvo un impacto positivo de R$500 millones en el rubro de gasto de provisión para créditos de liquidación dudosa por causa de un cliente específico del segmento de grandes empresas. La cartera de crédito total creció un 9,9% respecto al tercer trimestre de 2023 y llegó a R$1,278 billón en septiembre de 2024. La cartera de personas físicas aumentó un 1.278,0% en doce meses. Cabe destacar el aumento del 9,5% en vehículos, del 8,5% en crédito personal y del 5,4% en crédito inmobiliario. En cuanto a la cartera de personas jurídicas, hubo movimientos importantes en (i) BNDES y traspasos; (ii) financiamiento a la exportación y la importación; y (iii) crédito rural.
Los ingresos por servicios y seguros crecieron un 6,8% en el tercer trimestre de 2024 en comparación con el mismo período de 2023, impulsados sobre todo por cuatro factores: (i) aumento de la facturación de crédito en emisión de tarjetas; (ii) aumento de las ganancias con administración de fondos; (iii) mayores volúmenes en asesoramiento económico financiero y corretaje; y (iv) crecimiento del resultado de seguros en virtud del aumento de las primas obtenidas.
Los gastos no resultantes de intereses fueron de R$15,9 mil millones en el tercer trimestre de 2024, con aumento del 8,2% con relación al mismo período del año anterior. El aumento de los gastos con personal se debió a los efectos de la negociación de la convención colectiva de trabajo y a un mayor gasto con participación en los resultados, fruto de una mejor performance financiera del banco. También hubo más gastos administrativos por inversiones en marketing y tecnología. El índice de eficiencia del banco acumulado en doce meses fue del 39,4%, lo que representa una reducción de 80 puntos porcentuales respecto al mismo período del año anterior.
Itaú Unibanco anunció la evolución de los objetivos y compromisos ESG asumidos por el banco y sobre los que se está trabajando a lo largo de los últimos años en las diferentes líneas de negocios. La actualización de la estrategia de sostenibilidad garantiza la concordancia de las prácticas de Itaú con las demandas emergentes de la sociedad, del mercado y de los clientes. Antes, los compromisos del banco estaban organizados en diez pilares que ahora son tres: Diversidad e Inclusión, Transición Climática y Finanzas Sostenibles.
Este semestre, Itaú alcanzó por adelantado (ya que el objetivo era diciembre de 2025) el compromiso de destinar fondos del orden de R$400 mil millones al desarrollo sostenible, dirigidos a sectores estratégicos, como energía renovable, salud y educación, producción de alimentos, infraestructura sostenible, obras de infraestructura, etc. Ahora, el banco amplía este objetivo para llegar a R$1 billón en finanzas sostenibles de aquí a diciembre de 2030, añadiendo R$600 mil millones al compromiso anterior. La nueva estrategia presenta metas y proyectos con el fin de ampliar aún más el impacto positivo del banco sobre sus clientes, colaboradores, aliados y sociedad por medio de prácticas que aúnen crecimiento económico y desarrollo sostenible.
273 Comments
You really make it appear really easy along with your presentation however I in finding this topic to be actually something that I think I’d never understand. It seems too complex and extremely huge for me. I’m looking forward in your subsequent put up, I will try to get the cling of it!
https://diigo.com/0tqgll
I simply could not go away your web site before suggesting that I actually enjoyed the standard info an individual supply for your guests? Is gonna be again often in order to inspect new posts
https://youtu.be/_xV2nIn-NM0
Absolutely composed content, thanks for selective information.
https://youtu.be/80FQYF9NJhg
I like the efforts you have put in this, thanks for all the great blog posts.
https://youtu.be/PBILmHC5Svs
I do not even know how I ended up here, but I thought this post was good. I don’t know who you are but certainly you’re going to a famous blogger if you aren’t already 😉 Cheers!
https://youtu.be/dUNhVzcSLJ8
Valuable info. Lucky me I found your website by accident, and I’m shocked why this accident did not happened earlier! I bookmarked it.
https://www.hokijoss.online/
Hey very cool web site!! Guy .. Beautiful .. Wonderful .. I will bookmark your web site and take the feeds additionally…I’m satisfied to find numerous useful info here within the put up, we need work out more strategies in this regard, thank you for sharing.
https://radicalacademy.com
Hello there! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My web site looks weird when viewing from my iphone 4. I’m trying to find a template or plugin that might be able to correct this issue. If you have any recommendations, please share. Thank you!
https://mybestlifeapparel.com
It is truly a nice and useful piece of information. I¦m satisfied that you shared this helpful information with us. Please stay us up to date like this. Thank you for sharing.
https://pizse.com/
I have been browsing on-line more than 3 hours these days, yet I never discovered any fascinating article like yours. It is beautiful worth sufficient for me. In my view, if all webmasters and bloggers made just right content material as you probably did, the internet will be a lot more useful than ever before.
https://hokiku88aa.com/
http://pinupaz.top/# pin up
best price Cialis tablets: Cialis without prescription – order Cialis online no prescription
best price Cialis tablets: affordable ED medication – Cialis without prescription
discreet shipping: secure checkout Viagra – Viagra without prescription
safe modafinil purchase: modafinil pharmacy – modafinil 2025
purchase Modafinil without prescription: purchase Modafinil without prescription – legal Modafinil purchase
FDA approved generic Cialis: affordable ED medication – secure checkout ED drugs
same-day Viagra shipping: safe online pharmacy – Viagra without prescription
verified Modafinil vendors: verified Modafinil vendors – safe modafinil purchase
I believe this website holds some really fantastic info for everyone : D.
https://bancibet.com/
trusted Viagra suppliers: order Viagra discreetly – order Viagra discreetly
modafinil 2025 Modafinil for sale Modafinil for sale
https://maxviagramd.shop/# best price for Viagra
generic sildenafil 100mg: fast Viagra delivery – best price for Viagra
buy generic Cialis online: buy generic Cialis online – buy generic Cialis online
doctor-reviewed advice modafinil 2025 modafinil pharmacy
modafinil 2025: modafinil 2025 – purchase Modafinil without prescription
secure checkout Viagra: same-day Viagra shipping – order Viagra discreetly
https://maxviagramd.com/# buy generic Viagra online
no doctor visit required: order Viagra discreetly – order Viagra discreetly
Cialis without prescription: reliable online pharmacy Cialis – generic tadalafil
reliable online pharmacy Cialis cheap Cialis online cheap Cialis online
secure checkout ED drugs: Cialis without prescription – generic tadalafil
generic tadalafil: generic tadalafil – cheap Cialis online
http://maxviagramd.com/# trusted Viagra suppliers
Modafinil for sale: safe modafinil purchase – buy modafinil online
cheap Cialis online generic tadalafil affordable ED medication
order Cialis online no prescription: Cialis without prescription – discreet shipping ED pills
legit Viagra online: fast Viagra delivery – order Viagra discreetly
http://zipgenericmd.com/# Cialis without prescription
buy generic Viagra online cheap Viagra online buy generic Viagra online
modafinil pharmacy: Modafinil for sale – legal Modafinil purchase
affordable ED medication: reliable online pharmacy Cialis – FDA approved generic Cialis
http://zipgenericmd.com/# Cialis without prescription
reliable online pharmacy Cialis FDA approved generic Cialis order Cialis online no prescription
discreet shipping: discreet shipping – generic sildenafil 100mg
Modafinil for sale: safe modafinil purchase – doctor-reviewed advice
buy modafinil online: safe modafinil purchase – purchase Modafinil without prescription
https://zipgenericmd.com/# best price Cialis tablets
Definitely, what a great site and informative posts, I definitely will bookmark your website.Best Regards!
https://bazaralicia.com
buy generic Viagra online: best price for Viagra – no doctor visit required
modafinil legality: modafinil pharmacy – legal Modafinil purchase
https://maxviagramd.shop/# Viagra without prescription
buy generic Cialis online: secure checkout ED drugs – FDA approved generic Cialis
legit Viagra online: legit Viagra online – cheap Viagra online
legal Modafinil purchase: doctor-reviewed advice – doctor-reviewed advice
generic tadalafil discreet shipping ED pills order Cialis online no prescription
I have read a few good stuff here. Definitely price bookmarking for revisiting. I surprise how much effort you place to make this kind of excellent informative website.
https://gullybet.co.in/
http://modafinilmd.store/# safe modafinil purchase
trusted Viagra suppliers: cheap Viagra online – Viagra without prescription
Cialis without prescription: reliable online pharmacy Cialis – reliable online pharmacy Cialis
Amo Health Care: Amo Health Care – buy cheap amoxicillin
http://clomhealth.com/# where to buy clomid prices
Amo Health Care: Amo Health Care – amoxicillin 500mg pill
buying prednisone on line: prednisone 40 mg rx – prednisone 50
where can i get cheap clomid pill Clom Health can you buy generic clomid online
prednisone 10mg cost: prednisone 20mg online – PredniHealth
http://clomhealth.com/# order clomid no prescription
prednisone prescription for sale: PredniHealth – PredniHealth
can i purchase cheap clomid without a prescription: can i buy clomid without rx – how to get generic clomid for sale
PredniHealth: prednisone pack – prednisone in uk
where can i buy cheap clomid without a prescription Clom Health where can i get clomid without rx
https://prednihealth.shop/# prednisone 10 mg price
can i get cheap clomid online: Clom Health – buy generic clomid without insurance
Amo Health Care: Amo Health Care – can i buy amoxicillin over the counter in australia
buying generic clomid: Clom Health – where to buy generic clomid now
over the counter prednisone pills PredniHealth prednisone ordering online
https://amohealthcare.store/# amoxicillin 500 coupon
Amo Health Care: Amo Health Care – Amo Health Care
order prednisone from canada: 100 mg prednisone daily – prednisone pill 10 mg
where to buy generic clomid without rx: cost of clomid without insurance – can i purchase clomid without insurance
cost of generic clomid Clom Health how to buy clomid without dr prescription
http://clomhealth.com/# can i get cheap clomid no prescription
Amo Health Care: rexall pharmacy amoxicillin 500mg – amoxicillin 500mg capsules antibiotic
Amo Health Care: amoxicillin no prescipion – Amo Health Care
https://prednihealth.com/# prednisone 5443
get clomid without a prescription Clom Health order cheap clomid for sale
where can i buy cheap clomid no prescription: Clom Health – can i get clomid without rx
Amo Health Care: Amo Health Care – Amo Health Care
https://amohealthcare.store/# amoxicillin 50 mg tablets
can you buy clomid for sale: where can i buy clomid for sale – clomid generic
can i purchase clomid now: Clom Health – buying cheap clomid
http://prednihealth.com/# PredniHealth
get clomid without a prescription Clom Health can you get cheap clomid no prescription
cialis or levitra: pregnancy category for tadalafil – what is the generic name for cialis
buy cheapest cialis: Tadal Access – how long does it take cialis to start working
https://tadalaccess.com/# cialis indien bezahlung mit paypal
tadalafil online canadian pharmacy Tadal Access cialis goodrx
buy cialis without a prescription: TadalAccess – cialis results
buy cialis online safely: TadalAccess – cialis and grapefruit enhance
https://tadalaccess.com/# buy cialis no prescription australia
cialis generic overnite shipping Tadal Access benefits of tadalafil over sidenafil
cialis free trial canada: Tadal Access – cialis generic
cialis interactions: TadalAccess – where to get the best price on cialis
https://tadalaccess.com/# cialis reviews photos
cialis discount coupons cialis 5 mg for sale truth behind generic cialis
when will generic cialis be available: blue sky peptide tadalafil review – purchase brand cialis
buy tadalafil online paypal: cialis for daily use cost – cialis 5mg price comparison
https://tadalaccess.com/# tadalafil generic reviews
generic cialis online pharmacy Tadal Access cialis 100mg from china
erectile dysfunction tadalafil: cialis 30 mg dose – cialis daily side effects
side effects cialis: TadalAccess – cialis mechanism of action
https://tadalaccess.com/# cialis discount coupons
when will generic cialis be available in the us cialis how to use cialis superactive
cialis online cheap: tadalafil liquid fda approval date – cialis how does it work
https://tadalaccess.com/# cialis 20mg tablets
cialis soft tabs canadian pharmacy: TadalAccess – cialis covered by insurance
tadalafil how long to take effect: Tadal Access – where to buy cialis over the counter
buy cialis no prescription overnight cialis experience forum cialis 20 mg tablets and prices
https://tadalaccess.com/# cialis copay card
cialis samples: cialis patent expiration date – sildenafil and tadalafil
tadalafil tablets 40 mg: cialis 40 mg reviews – canada drugs cialis
cialis generic online TadalAccess cialis side effects forum
https://tadalaccess.com/# buying cialis online safe
what is the generic name for cialis: TadalAccess – what does a cialis pill look like
sildenafil and tadalafil: Tadal Access – cheap cialis 20mg
buy tadalafil online canada TadalAccess overnight cialis delivery
https://tadalaccess.com/# cialis alternative over the counter
overnight cialis delivery: TadalAccess – cialis for sale in canada
cialis 5mg coupon: cialis pricing – tadalafil generic reviews
https://tadalaccess.com/# what is the active ingredient in cialis
cialis daily review TadalAccess what is the use of tadalafil tablets
buy tadalafil online no prescription: Tadal Access – cialis free trial 2018
where can i get cialis: Tadal Access – cialis cheapest price
https://tadalaccess.com/# tadalafil tablets 20 mg side effects
cialis testimonials Tadal Access is cialis covered by insurance
canadian pharmacy cialis 40 mg: TadalAccess – where to buy cialis cheap
order cialis online no prescription reviews: online cialis no prescription – ordering tadalafil online
https://tadalaccess.com/# take cialis the correct way
generic cialis from india Tadal Access cheap tadalafil no prescription
cialis how long does it last: prices on cialis – cialis back pain
cialis soft tabs: TadalAccess – cialis over the counter
https://tadalaccess.com/# taking cialis
oryginal cialis TadalAccess cialis as generic
cialis coupon online: where can i buy cialis online in canada – tadalafil cheapest online
difference between tadalafil and sildenafil: Tadal Access – sildenafil vs cialis
https://tadalaccess.com/# where to buy tadalafil online
cialis com coupons: buy cialis online free shipping – generic cialis available in canada
cialis 20 mg from united kingdom cialis 50mg cialis when to take
what does a cialis pill look like: cialis dosage side effects – cialis no perscrtion
cialis daily side effects: Tadal Access – how long does cialis stay in your system
cialis cheapest prices tadalafil online canadian pharmacy cialis uses
how many 5mg cialis can i take at once: comprar tadalafil 40 mg en walmart sin receta houston texas – cialis and alcohol
https://tadalaccess.com/# cialis sample pack
cialis coupon walgreens cialis professional 20 lowest price cialis store in philippines
https://tadalaccess.com/# cialis and melanoma
cialis black 800 to buy in the uk one pill: TadalAccess – cialis 2.5 mg
purchase cialis online: Tadal Access – cialis before and after pictures
cialis generic canada: cialis what is it – cialis generic online
tadalafil canada is it safe: TadalAccess – cialis generic canada
cialis prices at walmart what does cialis cost cialis price walmart
https://tadalaccess.com/# pictures of cialis pills
buying cialis online canadian order: Tadal Access – cialis for daily use side effects
tadalafil 40 mg india: TadalAccess – where to get generic cialis without prescription
https://tadalaccess.com/# cialis canada sale
generic tadalafil canada Tadal Access cheap cialis for sale
tadalafil 20mg: Tadal Access – cialis australia online shopping
does cialis lower your blood pressure: cialis daily side effects – cialis paypal canada
Precisely what I was looking for, regards for posting.
https://kamusjudi.store/
https://tadalaccess.com/# how much is cialis without insurance
what happens if you take 2 cialis cialis generic canada cialis 20mg for sale
cialis coupon rite aid: TadalAccess – why is cialis so expensive
tadalafil soft tabs: cheap t jet 60 cialis online – cialis 5 mg for sale
https://tadalaccess.com/# buy cialis on line
cialis and cocaine TadalAccess sildalis sildenafil tadalafil
canada cialis: 20 mg tadalafil best price – cialis online no prescription australia
cialis cheapest price: Tadal Access – cialis 20 mg
https://tadalaccess.com/# buy cialis online without prescription
pharmacy 365 cialis: TadalAccess – cialis after prostate surgery
cialis otc switch Tadal Access buy cialis generic online
cialis professional review: Tadal Access – cialis meme
https://tadalaccess.com/# how to buy cialis
cialis tadalafil & dapoxetine: TadalAccess – cialis online pharmacy australia
price of cialis Tadal Access cialis back pain
cialis sublingual: sildalis sildenafil tadalafil – generic cialis online pharmacy
https://tadalaccess.com/# evolution peptides tadalafil
cheap cialis: para que sirve las tabletas cialis tadalafil de 5mg – tadalafil cost cvs
cialis timing what is cialis prescribed for cialis black 800 mg pill house
peptide tadalafil reddit: TadalAccess – cialis slogan
https://tadalaccess.com/# typical cialis prescription strength
printable cialis coupon: Tadal Access – over the counter cialis walgreens
cialis leg pain cialis canada tamsulosin vs. tadalafil
tadalafil 40 mg with dapoxetine 60 mg: TadalAccess – buy cialis in canada
https://tadalaccess.com/# buying cialis online safely
cialis 20 mg best price: TadalAccess – cialis canadian pharmacy ezzz
cialis sublingual super cialis cialis cost at cvs
cialis 40 mg: when will teva’s generic tadalafil be available in pharmacies – cialis milligrams
https://tadalaccess.com/# cialis dapoxetine
cialis 5 mg for sale: online cialis – cialis patent
price of cialis at walmart cialis 20 mg how long does it take to work cheap cialis online overnight shipping
cialis shipped from usa: TadalAccess – cialis canadian pharmacy ezzz
https://tadalaccess.com/# cialis 80 mg dosage
tadalafil prescribing information: how much does cialis cost at walmart – cialis over the counter at walmart
is there a generic cialis available? tadalafil generic usa tadalafil citrate bodybuilding
cialis pill: TadalAccess – tadalafil generico farmacias del ahorro
https://tadalaccess.com/# whats cialis
cialis online without a prescription: buy cialis with dapoxetine in canada – cialis efectos secundarios
when will generic cialis be available TadalAccess cialis generic 20 mg 30 pills
wallmart cialis: cialis price per pill – buying cialis online usa
https://tadalaccess.com/# buy cialis no prescription overnight
cialis tadalafil 20mg kaufen: TadalAccess – cheap cialis 5mg
cialis online without pres TadalAccess cialis generic
tadalafil softsules tuf 20: Tadal Access – best reviewed tadalafil site
https://tadalaccess.com/# how long i have to wait to take tadalafil after antifugal
pastillas cialis: TadalAccess – cialis side effects with alcohol
does cialis make you last longer in bed: original cialis online – cialis where can i buy
cialis 10mg price Tadal Access buy cialis by paypal
https://tadalaccess.com/# cheapest 10mg cialis
does cialis make you harder: cialis price walgreens – cialis prices at walmart
where to buy generic cialis difference between tadalafil and sildenafil how to take liquid tadalafil
canadian cialis no prescription: Tadal Access – buy generic cialis online
cheap cialis generic online: Tadal Access – cialis superactive
https://tadalaccess.com/# where to buy cialis online
sanofi cialis cheap cialis pills cialis where can i buy
is there a generic equivalent for cialis: max dosage of cialis – cialis time
https://tadalaccess.com/# centurion laboratories tadalafil review
cialis how to use cialis prescription assistance program what happens when you mix cialis with grapefruit?
cialis results: Tadal Access – how long does cialis last 20 mg
how much does cialis cost at walmart Tadal Access where can i get cialis
https://tadalaccess.com/# cialis and high blood pressure
cheap cialis online overnight shipping: cheap tadalafil no prescription – how many mg of cialis should i take
cialis dopoxetine is cialis covered by insurance can cialis cause high blood pressure
Please let me know if you’re looking for a article writer for your weblog. You have some really great articles and I believe I would be a good asset. If you ever want to take some of the load off, I’d absolutely love to write some articles for your blog in exchange for a link back to mine. Please blast me an e-mail if interested. Thank you!
https://bestlivealbums.com/
comprar tadalafil 40 mg en walmart sin receta houston texas: Tadal Access – cialis super active vs regular cialis
https://tadalaccess.com/# cialis milligrams
what is cialis used for Tadal Access what does generic cialis look like
cialis generic best price that accepts mastercard: Tadal Access – cialis online without perscription
https://tadalaccess.com/# cialis 100 mg usa
canadian cialis no prescription Tadal Access cheap cialis generic online
cialis tadalafil tablets: Tadal Access – buy cialis online canada
https://tadalaccess.com/# cialis efectos secundarios
cialis buy australia online: tadalafil 5 mg tablet – what is cialis tadalafil used for
how long does it take for cialis to take effect TadalAccess cheap cialis
cialis milligrams: Tadal Access – cialis discount coupons
cialis price cvs TadalAccess tadalafil dapoxetine tablets india
https://tadalaccess.com/# cialis doesnt work
cialis review: TadalAccess – cialis ingredients
tadalafil vidalista Tadal Access cialis medicare
Explore the ranked best online casinos of 2025. Compare bonuses, game selections, and trustworthiness of top platforms for secure and rewarding gameplaycasino.
Licensed online pharmacy AU: Online medication store Australia – Online drugstore Australia
buy antibiotics for uti BiotPharm buy antibiotics
Ero Pharm Fast: online ed meds – online ed meds
Over the counter antibiotics for infection: Biot Pharm – Over the counter antibiotics for infection
http://eropharmfast.com/# best ed meds online
Ero Pharm Fast: Ero Pharm Fast – buying erectile dysfunction pills online
Licensed online pharmacy AU: Discount pharmacy Australia – Discount pharmacy Australia
pharmacy online australia Buy medicine online Australia Buy medicine online Australia
buy antibiotics online: buy antibiotics online uk – buy antibiotics from canada
best online doctor for antibiotics: buy antibiotics online – antibiotic without presription
Over the counter antibiotics for infection: BiotPharm – get antibiotics quickly
https://biotpharm.com/# cheapest antibiotics
buy erectile dysfunction treatment Ero Pharm Fast erectile dysfunction drugs online
cheapest ed medication: buy erectile dysfunction medication – Ero Pharm Fast
get antibiotics without seeing a doctor: buy antibiotics from canada – get antibiotics without seeing a doctor
buy antibiotics from canada: Biot Pharm – get antibiotics quickly
buy antibiotics from canada: buy antibiotics online – buy antibiotics from canada
over the counter antibiotics: get antibiotics quickly – buy antibiotics from india
buy antibiotics online: BiotPharm – antibiotic without presription
Over the counter antibiotics for infection: buy antibiotics online uk – best online doctor for antibiotics
pharmacy online australia: online pharmacy australia – Online medication store Australia
http://biotpharm.com/# buy antibiotics from canada
Online medication store Australia online pharmacy australia Discount pharmacy Australia
Kamagra oral jelly pas cher: kamagra en ligne – acheter kamagra site fiable