Arethusa R. PontesIT Architecture Superintendent

Itaú Unibanco

It's only good for us if it's good for the client We´re passionate about performance People mean everything to us The best argument is the one that matters Simple. Always We think and act like owners Ethics are non-negotiable

Our Way

VisionTo be the leading bank in sustainable performance and customer satisfaction

95,984employees

in Brazil and abroad

We are present in+ than 20 countries

More than

60 millionclients

Itaú | some figures

We seek to be recognized as Latin America’s specialist bank

Of every

R$ 4.00transacted in Brazil,

R$ 1.00passes through Itaú

63rdlargest company in

the world(Source: Forbes 2016)

US$ 75.4 biin market value

(Source: Bloomberg | October 20th 2016)

Position on 30/Sep/16

Sources: Corporate Communication | 2Q 2016; Institutional Presentation | 3Q 2016 *Owned and shared ATMs

5,119branches and CSBs in Brazil and abroad

45,859ATMs in Brazil and abroad

*

Itaú | universal bank

Leadership in Brazil’s credit card market, large amount of Joint ventures and partnerships with retailers

Portfolio of vehicle financingfor individuals of more than R$ 15.9 billion

• One of the largest insurance groups in Brazil in terms of direct premiums

• The result in 3Q16 totaled R$ 683 million

Small and Medium Enterprises with annual sales up to R$ 30 million

Corporate clients with annual sales from R$ 30 million to R$ 200 million

• Premier banking brand in Brazil

• Strategically positioned for growth in the real estate market (partnerships with Lopes)

Full coverage of corporate clients with annual sales above R$ 200 million

Presence in Latin America: Mexico, Colombia, Peru, Paraguay, Chile, Argentina, Uruguay

• Total assets under administration of approximately R$ 888 billion

• Leader in Private banking services in Latin America

Sources: Institutional Presentation | 3Q 2016

We are in the leading position in Brazil through key competitive strengths

Source: Bloomberg | October 20th 2016 Source Bloomberg. Recurrent ROE Accrued 12 months, referring to the 2nd quarter of 2016

The industry | ItaúUnibanco

ROE (%)1st

21.5

17.2 16.5 16.5 16.4 16.3 15.213.7 13.5 12.9 12.2

9.9

6.7 5.6 5.4

Market Cap (USD Bi)

14th

246.6228.4 226.7

184.6169.0

151.8 149.8 144.0 143.5

98.1 94.684.0 77.0 75.4 75.2

we areexpressing ouropinionmore and more_

we accesswhere and whenwe want_

we aremore andmoreconnected_

We haveeven moreaccessto information_the digital culture

has transformed our society_

7.395billion

POPULATIONWORLDWIDE

3.419billion

INTERNETUSERS

2.307billion

ACTIVE USERSOF SOCIAL MEDIA

3.790billion

UNIQUEUSERS OFSMARTPHONES

1.968billion

ACTIVE USERSOF SOCIAL MEDIASMARTPHONES

Penetration: 46% Penetration: 31%

Penetration: 51%Penetration: 51% Penetration: 27%Penetration: 27%

Source: We are Social - Digital Global Snapshot - January 2016

figures on the digital world_January 2016

200.4million

TOTAL POPULATIONOF BRAZIL

50% +connectedto the internet

INTERNETUSERS

3rd countrythat usessocial networksthe most in the world

ACTIVE USERSOF SOCIAL  MEDIA

89 million5th largest baseof smartphonesin the world

QUANTITY OFSMARTPHONES

71% of the populationcommunicatesvia mobile

COMMUNICATIONVIA MOBILE

in Brazil it'sno different_

Sources: Ipsos 2015 / Anatel 2014 / TGI / Emarketer, dez-14 / Consultoria Rizzo Franchise, jan-15 / Going Beyond Data, KPMG, 2014

And when we look at our clients,this transformation is already a reality

Traditional channels (Branch, ATM and Telephone)

Digital channels (Internet and Mobile)

Sources: Institutional Presentation | 3Q 2016FEBRABAN Survey of Banking Technology 2015 (the data was calculated excluding the transactions of POS channels and Banking Correspondents)

58% 57%

47%40%

33%29% 28%

[VALOR]42% 43%

53%60%

67%71% 72%

[VALOR]

2011 2012 2013 2014 2015 1Q16 2Q16

Volume of transactions of Itaú Unibanco clientsVolume of transactions of Itaú Unibanco clients

we alwaysbuild thebank basedon the needsof clients_

Bidirectional SMSBidirectional SMS

Because notall of our clientshave smartphones

Portfolio of appsPortfolio of apps

Because our client is mobile

Itaú PF &PJ Apps

VirtualCard Tokpag

Pagcontas

The perfect experience for clients who do not go

to the branches

Digital BranchDigital Branch

Internet BankingInternet Banking

Full, quick and easy access to the bank

Physical BranchPhysical Branch

Branches and CSBs for clients who prefer personal assistance

Our bank is available wherever our client is

Abreconta

one bankone experience

Provision of services tailored to the client, not to the channel.

Digital is only an evolution of the client's behavior.

Being with our clients wherever they are

Being with our clients wherever they are

Be relevantto ourclients

Be relevantto ourclients

Digital from beginning

to endDigital from beginning

to end

Present in all the relevant points of contact with the

client, 24/7 with responsive capacity in a timely manner

Reach our clients with offers and products they

need and desire, when they need

them

Digital should begin at the heart of the bank to create an

experience and seek consistency within different channels

Our digital bank

Focusing on technology

We are studying Blockchaintechnology and some use cases to application

To develop our solutions, we are focusing in integration with Business and Technology

area using Agile methodology, and collaborative environment. Therewith, we can deliver “quick wins” that can be perceived by

our clients as a benefit

and how we want to do this?

and we are investing in Business Integration (SOA) to deliver the best solution to our clients

Besides that, to deliver the best solution with best support and quality, we need to

invest in DevOps

To be with client wherever our client is, we need to focus on Cloud

Computing solutions

Opportunities

We are looking for business opportunities that will help us to develop solutions based on clients’ needs:

Such as:

Blockchain

Big Data

Cloud Computing

Business Integration

and how we want to do this?

Cell: +55 (11) 99365-4886Phone: +55 (11) 2733-4124

Email: arethusa.pontes@itau-unibanco.com.br

Contact

Avenida do Estado, 5.533São Paulo – SP - BrazilZip: 03105-003