ITAÚ UNIBANCO - Projections
Itaú Unibanco has released revised projections for 2024, showing increased growth targets across multiple business segments. The total credit portfolio forecast has been raised to 9.5%-12.5% growth from the previous 6.5%-9.5%. Financial margin with clients is now expected to grow between 5.5%-8.5%, up from 4.5%-7.5%. Commissions and fees growth projection was revised to 5.5%-8.5% from 5.0%-8.0%. Non-interest expenses are projected to grow between 5.0%-8.0%. The company maintains its financial margin with market forecast at R$3.0-5.0 billion and cost of credit between R$33.5-36.5 billion. The effective tax rate remains projected at 29.5%-31.5%.
Itaú Unibanco ha pubblicato previsioni riviste per il 2024, evidenziando obiettivi di crescita aumentati in diversi segmenti aziendali. La previsione per il portafoglio crediti totale è stata elevata a una crescita compresa tra il 9,5% e il 12,5%, rispetto al precedente 6,5%-9,5%. Si prevede ora che il margine finanziario con i clienti cresca tra il 5,5% e l'8,5%, in aumento rispetto al 4,5%-7,5%. La previsione di crescita per commissioni e spese è stata rivista al 5,5%-8,5%, rispetto al 5,0%-8,0%. Si prevede che le spese non legate agli interessi crescano tra il 5,0% e l'8,0%. L'azienda mantiene la sua previsione sul margine finanziario di mercato a R$3,0-5,0 miliardi e il costo del credito tra R$33,5-36,5 miliardi. L'aliquota fiscale effettiva rimane prevista tra il 29,5% e il 31,5%.
Itaú Unibanco ha publicado proyecciones revisadas para 2024, mostrando objetivos de crecimiento incrementados en múltiples segmentos de negocios. La previsión del portafolio de crédito total se ha elevado a un crecimiento del 9.5% al 12.5%, en comparación con el anterior 6.5%-9.5%. Se espera que el margen financiero con los clientes crezca entre el 5.5% y el 8.5%, en comparación con el 4.5%-7.5% anterior. La proyección de crecimiento de comisiones y tarifas se ha revisado al 5.5%-8.5% desde el 5.0%-8.0%. Se proyecta que los gastos no relacionados con intereses crezcan entre el 5.0% y el 8.0%. La empresa mantiene su previsión de margen financiero de mercado en R$3.0-5.0 mil millones y el costo del crédito entre R$33.5-36.5 mil millones. La tasa impositiva efectiva sigue proyectada entre el 29.5% y el 31.5%.
이타우 유니방코는 2024년을 위한 수정된 전망을 발표하며 여러 사업 부문에서 증가된 성장 목표를 보여주었습니다. 총 신용 포트폴리오 예측은 이전의 6.5%-9.5%에서 9.5%-12.5% 성장으로 상향 조정되었습니다. 고객과의 금융 마진은 이제 4.5%-7.5%에서 5.5%-8.5% 성장할 것으로 예상됩니다. 수수료 및 요금 성장 전망은 5.0%-8.0%에서 5.5%-8.5%로 수정되었습니다. 이자비용 외 지출은 5.0%-8.0% 성장할 것으로 예상됩니다. 회사는 시장과의 금융 마진을 R$3.0-5.0억으로 유지하고, 신용 비용을 R$33.5-36.5억으로 예상하고 있습니다. 유효 세율은 29.5%-31.5%로 유지될 것으로 보입니다.
Itaú Unibanco a publié des prévisions révisées pour 2024, montrant des objectifs de croissance augmentés dans plusieurs segments d'activité. La prévision pour le portefeuille de crédits total a été relevée à une croissance de 9,5 % à 12,5 %, contre 6,5 % à 9,5 % précédemment. Le marge financière avec les clients est maintenant prévue pour croître entre 5,5 % et 8,5 %, contre 4,5 % à 7,5 % auparavant. La projection de croissance des commissions et frais a été révisée à 5,5 % - 8,5 %, contre 5,0 % - 8,0 %. Les charges non d'intérêts devraient croître entre 5,0 % et 8,0 %. L'entreprise maintient ses prévisions de marge financière avec le marché à 3,0 - 5,0 milliards R$ et le coût du crédit entre 33,5 - 36,5 milliards R$. Le taux d'imposition effectif reste prévu entre 29,5 % et 31,5 %.
Itaú Unibanco hat überarbeitete Prognosen für 2024 veröffentlicht, die erhöhte Wachstumsziele in mehreren Geschäftsfeldern zeigen. Die Prognose für das Gesamt-Kreditportfolio wurde auf ein Wachstum von 9,5%-12,5% angehoben, gegenüber zuvor 6,5%-9,5%. Finanzmargin mit Kunden wird nun mit einem Wachstum von 5,5%-8,5% erwartet, im Vergleich zu vorher 4,5%-7,5%. Die Wachstumsprognose für Provisionen und Gebühren wurde von 5,0%-8,0% auf 5,5%-8,5% überarbeitet. Nichtzinsaufwendungen werden mit einem Wachstum von 5,0%-8,0% prognostiziert. Das Unternehmen hält seine Prognose für die Finanzmargin mit dem Markt bei 3,0-5,0 Milliarden R$ und die Kreditkosten bei 33,5-36,5 Milliarden R$. Der effektive Steuersatz bleibt mit 29,5%-31,5% in der Prognose.
- Upward revision of credit portfolio growth target to 9.5%-12.5%
- Increased financial margin with clients growth projection to 5.5%-8.5%
- Higher commission and fees growth forecast to 5.5%-8.5%
- Higher non-interest expenses growth projection of 5.0%-8.0%
- Substantial cost of credit projection between R$33.5-36.5 billion
Insights
The revised projections from Itaú Unibanco show significant upward adjustments in key metrics, indicating stronger growth expectations. The total credit portfolio growth forecast has been notably increased to
The bank maintains its cost of credit guidance at
SÃO PAULO, Nov. 4, 2024 /PRNewswire/ -- Itaú Unibanco Holding S.A. ("Itaú Unibanco" or "Company"), in compliance with the provisions in Article 157, paragraph 4 of Law No. 6,404/76 and in 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 2024 in accordance with item 3 ("Projections") of the Reference Form.
2024 Forecast | Consolidated | Growth on a comparable basis 4 | Reviewed | ||
Total credit portfolio¹ | Growth between | Growth Between | |||
Financial margin with clients | Growth between | Growth between | Maintened | ||
Financial margin with the market | Between | Maintened | |||
Cost of credit² | Between | Maintened | |||
Commissions and fees and results | Growth between | Growth between | Maintened | ||
Non interest expenses5 | Growth between | Growth between | Maintened | ||
Effective tax rate | Between | Maintened | |||
(1) Includes financial guarantees provided and corporate securities; (2) Composed of results from loan losses, impairment and discounts granted; (3) Commissions and fees (+) income from insurance, pension plan and premium bonds operations (-) expenses for claims (-) insurance, pension plan and premium bonds selling expenses; (4) Considers pro forma adjustments in 2023 of the sale of Banco Itaú | |||||
It is important to mention that since July/24 the company has been considering 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 Itaú Unibanco. These expectations are highly dependent on market conditions, 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.
São Paulo – SP, November 04, 2024.
Gustavo Lopes Rodrigues
Investor Relations Officer
CONTACT:
Itaú Unibanco
Comunicação Corporativa
Phone: (11) 5019-8880 / 8881
E-mail: imprensa@itau-unibanco.com.br
View original content:https://www.prnewswire.com/news-releases/itau-unibanco---projections-302295950.html
SOURCE Itaú Unibanco Holding S.A.
FAQ
What are Itaú Unibanco's (ITUB) revised credit portfolio growth projections for 2024?
What is ITUB's projected financial margin with clients growth for 2024?
What is Itaú Unibanco's (ITUB) cost of credit projection for 2024?
