MD&A and Financial Statements (PDF) - Banco Itaú

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) Credit concentration 09/30/2010 09/30/2009 Loan, lease and other credit operations (*) % of % of Risk Total Risk Total Largest debtor 2,112,908 0.7 2,408,762 0.9 20 largest debtors 27,499,407 9.0 24,765,087 9.2 50 largest debtors 45,665,894 15.1 41,078,059 15.3 100 largest debtors 60,646,167 19.9 55,778,926 20.8 09/30/2010 09/30/2009 Loan, lease and other credit operations and securities of companies and financial institutions (*) % of % of Risk Total Risk Total Largest debtor 4,283,282 1.2 3,847,132 1.3 20 largest debtors 43,126,619 12.2 37,121,470 12.4 50 largest debtors 68,220,263 19.5 59,741,281 19.9 100 largest debtors 87,911,733 25.1 80,244,351 26.7 (*) The amounts include endorsements and sureties. c) Changes in allowance for loan losses Opening balance Net increase for the period (24,051,873) (19,972,155) (11,954,420) (12,382,541) Required by Resolution No. 2,682/99 (11,954,420) (14,069,541) Additional (3) - 1,687,000 Write-Off Closing balance 12,722,466 8,286,423 (23,283,827) (24,068,273) Specific allowance (1) (11,098,036) (12,817,853) Generic allowance (2) (6,081,791) (5,146,420) Additional allowance (3) (6,104,000) (6,104,000) (1) Operations with overdue installments for more than 14 days or under responsibility of bankruptcy or in process of bankruptcy companies; (2) (3) 01/01 to 09/30/2010 01/01 to 09/30/2009 For operations not covered in the previous item due to the classification of the client or operation; Refers to the provision in excess of the minimum required by CMN Resolution No.2,682, of December 12, 1999, recognized within the prudential criteria adopted by management in accordance with good banking practice, in order to enable the absorption of possible increases in default arising from a strong reversal of the economic cycle. As from December 31, 2008, considering the economic scenario and the uncertainties related to it, the criteria for recognition of the additional allowance for loan losses were revised, including the portion related to risks associated to a more pessimistic scenario. Over 2009, the effects of the crisis were partially consummated, giving rise to an increase in the required regulatory allowance and reduction in the additional allowances for loan losses regarding the portfolio. At September 30, 2010, the balance of the allowance in relation to the loan portfolio is equivalent to 8.3% (10.2% at 09/30/2009). Itaú Unibanco S.A. – - September0, 2010 104
d) Recovery and renegotiation of credits I - Composition of the result of allowance for loan losses 01/01 to 01/01 to 09/30/2010 09/30/2009 Expenses for allowance for loan losses (11,954,420) (12,382,541) Income from recovery of credits written off as loss 2,946,276 1,440,205 Result of allowance for loan losses (9,008,144) (10,942,336) II - Renegotiated credits 09/30/2010 09/30/2009 Renegotiated credits 8,514,497 7,277,785 Allowance for loan losses (4,048,779) (3,855,718) (%) 47.6 53.0 Itaú Unibanco S.A. – - September0, 2010 105
Page 1 and 2:
3 rd Quarter 2010 Management Discus
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ITAÚ UNIBANCO HOLDING S.A. RESULTS
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3 rd quarter, 2010 Management Discu
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Executive Summary Third Quarter of
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Executive Summary NPL Ratio over 90
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Analysis of the Net Income Manageri
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Analysis of the Net Income Results
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Analysis of the Net Income Non-inte
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Analysis of the Net Income Itaú Un
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Balance Sheet Balance Sheet by Curr
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Balance Sheet Credit Portfolio by P
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Balance Sheet Itaú Unibanco Holdin
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Value at Risk (VaR) The table below
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Performance in the Stock Market 3 r
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Pro Forma Financial Statements by S
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Insurance, Pension Plans and Capita
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Insurance, Pension Plans and Capita
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Activities Abroad
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Activities Abroad Europe Banking ac
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Activities Abroad Below we present
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PricewaterhouseCoopers Av. Francisc
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MANAGEMENT REPORT - January to Sept
Page 57 and 58: BUSINESS PERFORMANCE We present bel
Page 59 and 60: • The team of analysts of Itaú C
Page 61 and 62: ITAÚ UNIBANCO HOLDING S.A. BOARD O
Page 63 and 64: BANCO ITAÚ BBA S.A. BOARD OF DIREC
Page 65 and 66: ITAÚ UNIBANCO HOLDING S.A. Consoli
Page 67 and 68: ITAÚ UNIBANCO HOLDING S.A. Consoli
Page 69 and 70: ITAÚ UNIBANCO HOLDING S.A. Balance
Page 71 and 72: Itaú Unibanco S.A. - - September0
Page 73 and 74: ITAÚ UNIBANCO HOLDING S.A. Stateme
Page 75 and 76: NOTE 2 - PRESENTATION OF THE FINANC
Page 77 and 78: The consolidated financial statemen
Page 79 and 80: The Referential Equity used for cal
Page 81 and 82: ) Capital for Insurance Activity SU
Page 83 and 84: • Cash Flow Hedge - the effective
Page 85 and 86: • Mathematical provisions for ben
Page 87 and 88: NOTE 5 - CASH AND CASH EQUIVALENTS
Page 95 and 96: I - Derivatives by index Memorandum
Page 101 and 102: V - Accounting hedge a) The purpose
Page 103 and 104: i) Changes in adjustment to market
Page 107: III - By business sector 09/30/2010
Page 111 and 112: NOTE 9 - FOREIGN EXCHANGE PORTFOLIO
Page 119 and 120: NOTE 12 - CONTINGENT ASSETS AND LIA
Page 121 and 122: - Contingencies classified as possi
Page 123 and 124: c) Legal Liabilities - Tax and Soci
Page 125 and 126: The main natures of processes are d
Page 127 and 128: ) Prepaid expenses Commissions 09/3
Page 129 and 130: d) Banking service fees 01/01 to 09
Page 131 and 132: f) Personnel expenses Compensation
Page 133 and 134: NOTE 14 - TAXES a) Composition of e
Page 137 and 138: III- The estimate of realization an
Page 139 and 140: d) Taxes paid or provided for and w
Page 141 and 142: II - Composition of investments 09/
Page 143 and 144: NOTE 16 - STOCKHOLDERS’ EQUITY a)
Page 145 and 146: c) Capital and revenue reserves 09/
Page 147 and 148: f) Stock Option Plan I - Purpose an
Page 149 and 150: III - Fair Value and Economic Assum
Page 151 and 152: NOTE 17 - RELATED PARTIES a) Transa
Page 155 and 156: NOTE 19 - BENEFITS TO EMPLOYEES Und
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In accordance with the operations c
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Analogous to Basel II, the Internat
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e) Fundação Itaú Social - ITAÚ
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Report of Independent Auditors To t
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MD&A and Financial Statements (PDF) - Banco Itaú

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