6-K

                                    FORM 6-K
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                            Report of Foreign Issuer
                      Pursuant to Rule 13a-16 or 15d-16 of
                       the Securities Exchange Act of 1934

                         For the month of February 2005

                        Commission File Number: 001-15276

                       Banco Itau Holding Financeira S.A.
                       (Itau Holding Financing Bank S.A.)
                 (Translation of Registrant's Name Into English)


                               Rua Boa Vista, 176
                         01014-919 Sao Paulo, SP, Brazil
                    (Address of principal executive offices)



Indicate by check mark whether the registrant files or will file annual reports
under cover Form 20-F or Form 40-F.  Form 20-F X    Form 40-F
                                              ---

Indicate by check mark if the registrant is submitting the Form 6-K in paper as
permitted by Regulation S-T Rule 101(b)(1):

Indicate by check mark if the registrant is submitting the Form 6-K in paper as
permitted by Regulation S-T Rule 101(b)(7):

Indicate by check mark whether by furnishing the information contained in this
Form, the registrant is also thereby furnishing information to the Commission
pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.
Yes    No X
   ---   ---

If "Yes" is marked, indicate below the file number assigned to the registrant in
connection with Rule 12g3-2(b):  82-___________________.




                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                                         Banco Itau Holding Financeira S.A.
                                                      (Registrant)

Date:  February 23, 2005            By:   /s/ Alfredo Egydio Setubal
                                         --------------------------------------
                                         Name:   Alfredo Egydio Setubal
                                         Title:  Investor Relations Officer

                                     By:  /s/ Silvio Aparecido de Carvalho
                                         --------------------------------------
                                         Name:   Silvio Aparecido de Carvalho
                                         Title:  Chief Accounting Officer



                                  EXHIBIT INDEX

99.1     Meeting of the Fiscal Council.

99.2     Meeting of the Board of Directors (Overview).

99.3     Meeting of the Board of Directors (Complementary Interest on Capital).

99.4     Announcement regarding payment of complementary interest on capital.

99.5     Information on the Results of 2004.

EX-99.1

                       BANCO ITAU HOLDING FINANCEIRA S.A.
CNPJ. 60.872.504/0001-23     A Publicly Listed Company         NIRE. 35300010230


                          MEETING OF THE FISCAL COUNCIL
                               OF FEBRUARY 21, 2005
                               --------------------


         On February 21, 2005 at 2:30 p.m. at the company's head office, the
effective members of the Fiscal Council of BANCO ITAU HOLDING FINANCEIRA S.A.,
met under the presidency of Dr. Gustavo Jorge Laboissiere Loyola, with the
purpose of providing an opinion on the Accounts for the financial year ending
December 31, 2004.

         Following due examination of the said account statements, the Fiscal
Councilors resolved to register the following opinion:

         "The effective members of the Fiscal Council of BANCO ITAU HOLDING
         FINANCEIRA S.A., having perused the management report and the financial
         statements for December 31, 2004, have verified the accuracy of all the
         items examined, understanding them to adequately reflect the company's
         capital structure, financial position and the activities conducted
         during the period, recommending that they be approved by the company's
         Board of Directors."

         There being no further matter for discussion, the meeting was declared
concluded and its work completed. The relative minutes having been transcribed,
read and approved, were signed by all those present. Sao Paulo-SP, February 21,
2005. (signed) Gustavo Jorge Laboissiere Loyola, Alberto Sozin Furuguem and Iran
Siqueira Lima - Councilors.


                                                  ALFREDO EGYDIO SETUBAL
                                                Investor Relations Officer

EX-99.2

                       BANCO ITAU HOLDING FINANCEIRA S.A.
CNPJ. 60.872.504/0001-23      A Publicly Listed Company        NIRE. 35300010230



                        MEETING OF THE BOARD OF DIRECTORS
                               OF FEBRUARY 21 2005
                               -------------------

         On February 21 2005, at 2:30 p.m., the Board of Directors of BANCO ITAU
HOLDING FINANCEIRA S.A. met at its head office, under the chairmanship of Dr.
Olavo Egydio Setubal, the legal quorum being present, for the purpose providing
their considerations on the Management Report and Accounts for the financial
year ending December 31 2004.

         Opening the agenda, the President and CEO Dr. Roberto Egydio Setubal
spoke at length with respect to the draft of the Management Report and Accounts
for December 31 2004.

         The President then proceeded to submit these documents for analysis,
discussion and voting by the members of the Board of Directors and of the Fiscal
Council, the latter attending pursuant to paragraph 3 of article 163 of Law
6,404/76.

         First, the members of the Fiscal Council issued their opinion as given
below, which will be transcribed in the minutes register:

         "The effective members of the Fiscal Council of BANCO ITAU HOLDING
         FINANCEIRA S.A., having perused the management report and the financial
         statements for December 31 2004, have verified the accuracy of all the
         items examined, understanding them to adequately reflect the company's
         capital structure, financial position and the activities conducted
         during the period, recommending that they be approved by the company's
         Board of Directors Sao Paulo-SP, February 21, 2005. (signed) Gustavo
         Jorge Laboissiere Loyola, Alberto Sozin Furuguem and Iran Siqueira Lima
         - Councilors."

         Following the analysis, the members of the Board of Directors concluded
as to the accuracy of the documents examined, unanimously approving them and
authorizing their disclosure to the Stock Exchange, the Brazilian Securities and
Exchange Commission (CVM) and the press for legally required publication.

         Finally, the members of the Board of Directors were informed concerning
the Summary Report of the Audit Committee, which will be published together with
the December 31 2004 financial statements, containing the highlights of its
monitoring activities during the second half of 2004, with regard to Internal
and Independent External Audit and to Internal Control Systems and Risk
Management.



BANCO ITAU HOLDING FINANCEIRA S.A.                                        Page 2
Meeting of the Board of Directors of February 21 2005

         With no further matters on the agenda and no other items being raised
by members, the meeting was declared concluded. The members of the Board of
Directors signed the meeting's minutes, the latter having been drafted, read and
approved. Sao Paulo-SP, February 21 2005. (signed) Olavo Egydio Setubal -
Chairman; Jose Carlos Moraes Abreu, Alfredo Egydio Arruda Villela Filho and
Roberto Egydio Setubal - Vice-Chairmen; Alcides Lopes Tapias, Carlos da Camara
Pestana, Fernao Carlos Botelho Bracher, Henri Penchas, Maria de Lourdes Egydio
Villela, Persio Arida, Roberto Teixeira da Costa and Tereza Cristina Grossi
Togni - Directors.



                                            ALFREDO EGYDIO SETUBAL
                                          Investor Relations Officer

EX-99.3

                       BANCO ITAU HOLDING FINANCEIRA S.A.
CNPJ. 60.872.504/0001-23      A Publicly Listed Company        NIRE. 35300010230



                        MEETING OF THE BOARD OF DIRECTORS
                               OF FEBRUARY 21 2005
                               -------------------



         On February 21 2005, at 3:30pm., the Board of Directors of BANCO ITAU
HOLDING FINANCEIRA S.A. met at its head office, with the legal quorum being
present and under the chairmanship of Dr. Olavo Egydio Setubal, unanimously
deciding "ad referendum" of the General Meeting:

1.   to declare complementary interest on capital, related to the fiscal year
     2004, in the amount of R$ 3.50 per share, based on each stockholder's
     position as of March 4 2005, for payment on March 14 2005, with 15% income
     tax to be withheld at source, resulting in net interest of R$ 2.9750 per
     share, except shareholders demonstrating immunity or exemption from such
     tax.

2.   to pay, also on March 14 2005, the complementary interest on capital
     declared by this Board of Directors in a meeting held on December 6 2004,
     in the amount of R$ 4.73 per share, less 15% income tax at source,
     resulting in net interest of R$ 4.0205 per share, except shareholders
     demonstrating immunity or exemption from such tax; the individual
     allocation of this interest was done on December 30 2004, based on each
     stockholder's position as of December 23 2004, as has already been made
     public.

         There being no further items on the agenda, the meeting was declared
closed and the present minutes were transcribed, read, approved and signed by
all those present. Sao Paulo-SP, February 21 2005. (signed) Olavo Egydio Setubal
- - Chairman; Jose Carlos Moraes Abreu, Alfredo Egydio Arruda Villela Filho and
Roberto Egydio Setubal - Vice-Chairmen; Alcides Lopes Tapias, Carlos da Camara
Pestana, Fernao Carlos Botelho Bracher, Henri Penchas, Maria de Lourdes Egydio
Villela, Persio Arida, Roberto Teixeira da Costa, Sergio Silva de Freitas and
Tereza Cristina Grossi Togni - Directors.



                                               ALFREDO EGYDIO SETUBAL
                                             Investor Relations Officer

EX-99.4

                       BANCO ITAU HOLDING FINANCEIRA S.A.
CNPJ. 60.872.504/0001-23                               A Publicly Listed Company



                          DISCLOSURE OF A MATERIAL FACT


                            PAYMENT OF COMPLEMENTARY
                               INTEREST ON CAPITAL

We wish to inform our Stockholders that the Board of Directors of BANCO ITAU
HOLDING FINANCEIRA S.A. at a meeting held on February 21 2005, decided:

1.   to declare complementary interest on capital, related to the fiscal year
     2004, in the amount of R$ 3.50 per share, based on each stockholder's
     position as of March 4 2005, for payment on March 14 2005, with 15% income
     tax to be withheld at source, resulting in net interest of R$ 2.9750 per
     share, except shareholders demonstrating immunity or exemption from such
     tax.

 2.  to pay, also on March 14 2005, the complementary interest on capital
     declared by the Board of Directors in a meeting held on December 6 2004, in
     the amount of R$ 4.73 per share, less 15% income tax at source, resulting
     in net interest of R$ 4.0205 per share, except shareholders demonstrating
     immunity or exemption from such tax; the individual allocation of this
     interest was done on December 30 2004, based on each stockholder's position
     as of December 23 2004, as has already been made public.

                         Sao Paulo-SP, February 21 2005.

                       BANCO ITAU HOLDING FINANCEIRA S.A.



                             ALFREDO EGYDIO SETUBAL
                           Investor Relations Officer

EX-99.5

                       Banco Itau Holding Financeira S.A.
A Publicly Listed Company                               CNPJ. 60.872.504/0001-23



                       INFORMATION ON THE RESULTS OF 2004


In 2004, Banco Itau Holding Financeira S.A presented significant results that
evidenced the sustainability of our business.

See below the highlights of Itau for the year. The complete Financial
Statements are issued in the Itau website (http://www.itauri.com.br).

1.   Consolidated net income totaled R$ 3,776 million in 2004, with an
     annualized return of 27.0% on consolidated stockholders' equity.

2.   Itau paid or accrued taxes and contributions for the year totaling R$ 4,051
     million. In addition, R$ 5,349 million was withheld from clients, collected
     and paid.

3.   Itau had 45,316 employees by the end of 2004, with an increase of 2.866
     employees in relation to 2003, as a result of the new activities arising
     from the purchase of Orbitall (2,812) and Taii (606). The fixed
     remuneration of the personnel added to the charges and benefits totaled R$
     2,814 million, or R$ 66 thousand per employee, on average, during the year.
     The social benefits given to the employees and their dependents amounted to
     R$ 477 million. R$ 48 million was invested in the formation, training and
     development of employees.

4.   Consolidated net equity of R$ 13,971 million increased 17.6% during the
     year, while the net regulatory capital reached R$ 19,806 million. The
     market capitalization of Itau reached R$ 44,092 million, the highest among
     banks in Latin America, an increase of 44.8 % during the year.

5.   Itau shares closed the year with share price increases of 45.6% for
     preferred shares and 40.2% for common shares. The amount of interest on own
     capital distributed to the stockholders increased to R$ 1,372 million, at
     R$ 12.11 per share.

6.   The efficiency rate reached 52.4%, calculated according to international
     criteria, a significant improvement compared to the 54.5% in 2003, which
     confirms Itau's effort in controlling costs and increasing income.

7.   Consolidated assets totaled R$ 130,339 million, a 9.8% growth compared to
     the prior year. The loan portfolio totaled R$ 53,275 million, and we
     highlight the 69.3% increase in the micro and small business and middle
     market loan portfolio.

8.   Total resources grew 15.0% as compared to the prior year, totaling R$
     211,238 million. The increase of 23.3% in investment funds must be pointed
     out.

9.   Total technical provisions related to insurance, pension and capitalization
     reached R$ 11,023 million, a 43.4% growth compared to 2003. The premiums
     earned and pension and capitalization plans grew 13.9%.

10.  Itau was chosen for the fifth consecutive time to comprise the Dow Jones
     Sustainability Index (DJSWI), currently being the only Latin-American Bank
     included in the index. The DJSWI is used as a reference by investors and
     managers in 14 countries that have resources invested in investment funds
     and individual portfolios all over the world. The companies that make part
     of the Index are recognized for their excellence in management and
     generation of stockholders' value, and represent a total market value of
     more than US$ 6.5 trillion.



INFORMATION ON THE RESULTS OF 2004                                        page 2


11.  A highlight for the period is the partnership of Itau with Companhia
     Brasileira de Distribuicao (CBD) to form a new financial institution, with
     50% interest of each partner. It will work with exclusivity in the offer of
     products and financial services to CDB customers. Itau and Banco BMG signed
     a cooperation agreement with the objective of optimizing synergies between
     the institutions and increasing the focus on the individual segment. Also,
     an agreement with Banco Intercap S.A was signed to acquire a credit
     portfolio to finance vehicles for the individuals segment and for the
     acquisition of the credit distribution Company of Banco Intercap.

12.  The bank increased its performance abroad with the inauguration of the
     first Itau agency in Tokyo, Japan. This agency is directed to the
     Brazilians resident or visiting Japan, whose mission is to facilitate
     business with Brazil.

13.  In November 2004, Itau increased its interest in Credicard, becoming the
     leader among credit card issuers, increasing its market share to 20%. The
     use of the Credicard brand will be shared until 2008. Furthermore, this
     transaction will allow a significant opportunity for cross selling Itau's
     products and financial services to the more than 3.8 million Credicard
     customers. The investment in Orbitall, a credit card processing company,
     was increased from 33.33% to 100%.

14.  In the social area, we highlight the activities of Fundacao Itau Social,
     including the new edition of the "Premio Escrevendo o Futuro" ("Writing the
     Future Award") involving more than 10 thousand schools and nearly 1 million
     students, the continuity of the "Programa Melhoria da Educacao do
     Municipio" ("Improvement of Municipal Education Program"), and the
     activities to form teachers and youngsters participating from the "Programa
     Jovens Urbanos" (Urban Youth Program). In 2004, R$ 19 million was invested
     in 15 projects, three partnerships and 89 supports to institutions whose
     social action is in line with the guidelines of the Foundation. Because of
     its projetcs and iniatives in the corporate social responsibility area,
     Itau was pointed out as one of the model companies in the Good Corporate
     Citizenship Guide of Exame Magazine in 2004.

15.  Amongst the several activities of Instituto Itau Cultural, is the "Projeto
     Cronica na Sala de Aula" ("Chronicle in Classroom Project"), which was
     chosen to comprise the Good Corporate Citizenship Guide of Exame Magazine
     in 2004. During the year, investments of Itau Cultural totaled R$ 25
     million.

16.  Consistent with Itau's concern for the environment, Banco Itau and Banco
     Itau-BBA acceded to the Equator Principles. By adopting the Principles,
     banks assure that projects financed, above US$ 50 million, are socially
     responsible and reflect the best practices for environmental management.

17.  With the objective of guiding its clients and the public in general about
     the proper use of the credit products, Itau launched a unique campaign
     about the Conscious Use of Credit. The campaign is planned to unfold into
     various aspects and aims at having a clarifying and educational role.

18.  Again the Itau brand was considered the most valuable brand in Brazil,
     according to an appraisal made by the British consultants Interbrand, which
     evaluates the importance and strength of the brand in generating future
     results, taking into consideration the company's performance, relationship
     with the market, and capacity of acting in highly competitive scenarios.
     This study indicated a significant increase in the value of our brand, from
     US$ 1.093 million in 2003 to US$ 1,204 million in 2004. Another highlight
     is the recognition of Itau as most admired company in Brazil, according to
     Carta Capital Magazine. Itau was leader in retail banking, insurance
     company and private pension plan categories.

Our work resulted from skilled and motivated staff banking who are committed to
make Itau even more concerned about the community the economic and social
development of Brazil.

                          Sao Paulo, February 21, 2005

                              Olavo Egydio Setubal
                       Chairman of the Board of Directors


                                                  ALFREDO EGYDIO SETUBAL
                                               Investor Relations Director