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

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People Training programs received investments of over R$ 147 million in the period from January to September 2010, an increase of about 85% in relation to the previous period, with the completion of almost 500 thousand courses by collaborators in attendance and computer-based training programs. Approximately 14,500 new collaborators were hired until September 2010 and about 5,500 collaborators were reallocated through internal recruitment. As formulated in the Policy on Diversity, 242 people with special needs were hired. In the following months, approximately 540 vacancies will be filled. Sustainability Launched on October 18, the new sustainability website introduced innovations in layout and contents. Its proposal is to operate as a new platform of relationship with the organization’s audiences, with a more interactive basis. Most of its contents focus on the theme of sustainability on an educative approach, highlighting the following sections: Virtual Library, Online Courses, and Sustainability in Practice. By reproducing a virtual city in the homepage, the new website takes sustainability to the daily life of people. The provision of quality service, creation of value and transparency are the assumptions of the new website (www.itau.com.br/sustentabilidade). Social and cultural investments In the period from January to September 2010, Itaú Unibanco’s social and cultural investments reached the approximate amount of R$ 137 million. The Olimpíada de Língua Portuguesa Escrevendo o Futuro (Portuguese Language Olympiad – writing the future), which phase of text creation by students of the 60 thousand enrolled schools was carried out from March to July, is going through the phase of selecting students and teachers who will participate in practical workshops in four cities, according to the literary genre in which they are enrolled. Instituto Unibanco promoted the solidarity competition “SuperAção na Escola” (super action at school), which encourages improvements through the mobilization of the entire community, and gathering approximately 21 thousand people in 20 schools in the city of Belo Horizonte, in August. Itaú Cultural was visited by over 70,000 people in its headquarters. The Visual Arts, Art & Technology, Theater and Literature encyclopedias recorded approximately 1.5 million hits. A total of 65 events were held, of which we highlight the Emoção Art.ficial 5.0 (Art.ficial emotion 5.0) exhibition, visited by 57,832 people. Until September, 5,400 cultural products were distributed, with emphasis on books, DVDs and arts catalogs. In that same month Itaú Cultural signed a contract with six new TV partners, totaling 77 partners in the period from January to September 2010. Awards and Recognition Major awards and recognitions granted to Itaú Unibanco Holding S.A.: • Best Bank in Brazil for the 12th time, and Best Bank in Latin America, according to the Awards for Excellence of Euromoney magazine. Itaú BBA was acknowledged as the Best Bank in Cash Management in Brazil. • First bank of Brazil in the Top 1000 World Banks ranking, according to The Banker magazine. • Received the IR Magazine Awards Brazil 2010 in two categories: Grand Prix of the Best Investors Relations Program of Large Cap Companies and Best Performance in IR by a CEO or CFO with Roberto Setubal. • First place in the banking sector and also the best in Financial Sustainability management in the sector. The award is granted by Isto É Dinheiro magazine in partnership with Trevisan consulting company. • First in the list of the 50 largest banks in Brazil based on stockholders’ equity in the Melhores e Maiores (Best and Largest) of Exame magazine. Itaúsa ranked first in the list of the 200 major business groups in the country. Itaú Unibanco S.A. – - September0, 2010 54
• The team of analysts of Itaú Corretora was elected the best in Brazil by the Institutional Investor magazine. Itaú Corretora had 14 analysts in the ranking, with outstanding performance in all of the 13 sectors reviewed. • For the second time, Itaú Unibanco was considered one of the 100 Great Place to Work in Brazil, according to the survey conducted by the Great Place to Work Institute and Época Magazine. The same institute ranked Itaú Unibanco among the 50 best companies for executives to work. • For the fourth consecutive year, Itaú Unibanco led the ranking of the most transparent companies of Ibovespa, prepared by Management & Excellence (M&E). • Elected one of the leading companies in policies on climate of the Prêmio Época Mudanças Climáticas 2010 (climate change Época award), which acknowledged the companies working harder to control and reduce greenhouse gas emissions. • Acknowledged for the second time as the most sustainable financial institution of all emerging markets and Latin America, according to the British newspaper Financial Times and the International Finance Corporation (IFC), the World Bank’s financial division for the private sector. Itaú Unibanco S.A. – - September0, 2010 55
Page 1 and 2:
3 rd Quarter 2010 Management Discus
Page 3 and 4:
ITAÚ UNIBANCO HOLDING S.A. RESULTS
Page 5 and 6:
3 rd quarter, 2010 Management Discu
Page 7 and 8: Executive Summary Third Quarter of
Page 11 and 12: Executive Summary NPL Ratio over 90
Page 15 and 16: Analysis of the Net Income Manageri
Page 17 and 18: Analysis of the Net Income Results
Page 19 and 20: Analysis of the Net Income Non-inte
Page 21 and 22: Analysis of the Net Income Itaú Un
Page 23 and 24: Balance Sheet Balance Sheet by Curr
Page 25 and 26: Balance Sheet Credit Portfolio by P
Page 27 and 28: Balance Sheet Itaú Unibanco Holdin
Page 29 and 30: Value at Risk (VaR) The table below
Page 31 and 32: Performance in the Stock Market 3 r
Page 33 and 34: Pro Forma Financial Statements by S
Page 41 and 42: Insurance, Pension Plans and Capita
Page 43 and 44: Insurance, Pension Plans and Capita
Page 45 and 46: Activities Abroad
Page 47 and 48: Activities Abroad Europe Banking ac
Page 49 and 50: Activities Abroad Below we present
Page 51: PricewaterhouseCoopers Av. Francisc
Page 55 and 56: MANAGEMENT REPORT - January to Sept
Page 57: BUSINESS PERFORMANCE We present bel
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 and 108: III - By business sector 09/30/2010
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d) Recovery and renegotiation of cr
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NOTE 9 - FOREIGN EXCHANGE PORTFOLIO
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Itaú Unibanco S.A. - - September0
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NOTE 12 - CONTINGENT ASSETS AND LIA
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- Contingencies classified as possi
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c) Legal Liabilities - Tax and Soci
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The main natures of processes are d
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) Prepaid expenses Commissions 09/3
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d) Banking service fees 01/01 to 09
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f) Personnel expenses Compensation
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NOTE 14 - TAXES a) Composition of e
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III- The estimate of realization an
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d) Taxes paid or provided for and w
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II - Composition of investments 09/
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NOTE 16 - STOCKHOLDERS’ EQUITY a)
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c) Capital and revenue reserves 09/
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f) Stock Option Plan I - Purpose an
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III - Fair Value and Economic Assum
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NOTE 17 - RELATED PARTIES a) Transa
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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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