IRR310313.pdf - Banco Itaú

) Credit concentration
Loan, lease and other credit operations (*)
03/31/2013 03/31/2012
Largest debtor 4,697,755 1.1 3,296,014 0.8
10 largest debtors 28,319,581 6.5 22,555,838 5.6
20 largest debtors 44,465,922 10.2 37,410,715 9.3
50 largest debtors 69,782,999 16.1 59,058,435 14.7
100 largest debtors 92,118,012 21.2 77,650,668 19.4
Risk
% of
Total
Risk
% of
Total
Loan, lease and other credit operations and securities of companies and
financial institutions (*)
03/31/2013 03/31/2012
Largest debtor 5,303,903 1.1 3,920,695 0.9
10 largest debtors 37,004,915 7.5 30,946,097 7.0
20 largest debtors 58,664,810 11.9 50,464,328 11.3
50 largest debtors 95,699,289 19.4 80,910,874 18.2
100 largest debtors 124,362,506 25.3 105,467,529 23.7
(*) The amounts include endorsements and sureties.
Risk
% of
Total
Risk
% of
Total
c) Changes in allowance for loan losses
Opening balance
(27,744,938) (25,771,727)
Effect of change in consolidation criteria (Note 2b) (483,210) -
Net increase for the period
(4,945,194) (6,031,366)
Required by Resolution No. 2,682/99 (4,945,194) (6,031,366)
Additional allowance - -
Write-Off
5,985,148 5,851,631
Closing balance (1)
(27,188,194) (25,951,462)
Required by Resolution No. 2,682/99 (22,129,779) (20,893,047)
(1)
(2)
(3)
(4)
01/01 to
03/31/2013
01/01 to
03/31/2012
Specific allowance (2) (15,557,518) (15,114,870)
Generic allowance (3) (6,572,261) (5,778,177)
Additional allowance (4) (5,058,415) (5,058,415)
The allowance for loan losses related to the lease portfolio amounts to: R$ (1,291,820) (R$ (1,793,057) at March 31, 2012).
Operations with overdue installments for more than 14 days or under responsibility of bankruptcy or in process of bankruptcy
companies.
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 percentage by CMN Resolution No. 2,682 of December 21, 1999, based on
the expected loss methodology adopted in the institution’s credit risk management, which also considers the potential losses in
revolving credit.
At March 31, 2013, the balance of the allowance in relation to the loan portfolio is equivalent to 7.3% (7.5% at 03/31/2012).
Itaú Unibanco Holding S.A. – Complete Financial Statements – Mach 31, 2013 130