IRR310313.pdf - Banco Itaú

Loan Portfolio
At March 31, 2013 the balance of the loan portfolio, including endorsements and sureties, reached R$ 434.2
billion, an increase of 8.4% as compared to March 31, 2012, as shown in the table below: If we also include the
risks associated to the credits we borrow in the private securities modality, this increase will reach 9.2%.
R$ Million
Loan Portfolio
March 31,
March 31, 2012 Change (%)
2013
Individuals 152,749 149,208 2.4
Credit cards 41,362 36,574 13.1
Personal credit and Payroll advance loans 43,690 38,988 12.1
Vehicles 48,532 59,054 -17.8
Mortgage loan 19,165 14,591 31.3
Companies 250,630 229,594 9.2
Corporate 163,684 139,615 17.2
Very small, Small and Middle Market 86,946 89,979 -3.4
Argentina/Chile/Paraguay/Uruguay 30,860 21,717 42.1
Total with endorsements and sureties 434,239 400,519 8.4
Corporate – Private securities 21,924 17,067 28.5
Total with endorsements, sureties and private securities 456,162 417,586 9.2
Total with endorsements, sureties and private securities (former Vehicles) 407,630 358,532 13.7
Individuals Segment – In Brazil, our loan portfolio to individuals reached R$ 152.7 billion at March 31, 2013,
relatively steady when compared to March 31, 2012. Highlights:
• We are leaders in the Vehicle Financing and Credit Card segments, with balances at March 31, 2013 of R$
48.5 billion and R$ 41.4 billion, respectively, with a reduction of 17.8% and an increase of 13.1% in the
year, as a result of our strategies to prioritize lower risks.
• Our portfolios of Personal Loans and Payroll Advance Loans posted a significant growth of 12.1%. Our
payroll advance loans portfolio includes the new institution, Banco Itaú BMG Consignado, in which we hold
a controlling stake of 70%, and which operations started in December 2012.
• Mortgage loan reached a 31.3% increase, as compared to March 2012. The offer of mortgage loan is
promoted by the network of branches, development companies and real estate agencies, as well as
partnerships with Lopes (LPS Brasil – Consultoria de Imóveis S.A.) and Coelho da Fonseca
Empreendimentos Ltda, among others.
Companies – In Brazil, our portfolio of Loan Operations to Companies reached R$ 250.6 billion at March 31,
2013, posting a growth of 9.2% in relation to March 31, 2012. In the Very Small, Small and Medium Businesses,
we serve companies by way of a dedicated structure, with specific products and services. Through Itaú BBA, we
serve over 3 thousand of the largest corporate groups in Brazil, with a loan portfolio composed of loans in
national and foreign currency, mandatory loans (BNDES onlending, Rural Credit and Mortgage Loans) and
guarantees.
Abroad – In the Southern Cone (Argentina, Chile, Paraguay and Uruguay), our Loan Portfolio recorded a
significant increase of 42.1% in the individuals and companies segments. Noteworthy is the increase of 45.5%
in the loans to individuals in Argentina and of 47.9% in the loans to companies in Chile.
R$ Million
Loan Portfolio
March 31, March 31, Change
2013 2012 (%)
Argentina 3,038 2,390 27.1
Chile 21,503 14,748 45.8
Paraguay 3,267 2,418 35.1
Uruguay 3,052 2,161 41.2
Total 30,860 21,717 42.1
Itaú Unibanco Holding S.A. – Complete Financial Statements – Mach 31, 2013 77