0000947871-14-000747.txt : 20141210 0000947871-14-000747.hdr.sgml : 20141210 20141210112207 ACCESSION NUMBER: 0000947871-14-000747 CONFORMED SUBMISSION TYPE: 6-K PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20141210 FILED AS OF DATE: 20141210 DATE AS OF CHANGE: 20141210 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Itau Unibanco Holding S.A. CENTRAL INDEX KEY: 0001132597 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 000000000 STATE OF INCORPORATION: D5 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 6-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-15276 FILM NUMBER: 141277115 BUSINESS ADDRESS: STREET 1: PRA?A ALFREDO EGYDIO DE SOUZA ARANHA STREET 2: 100 - TORRE CONCEICAO - CEP 04344-902 CITY: SAO PAULO STATE: D5 ZIP: 00000 BUSINESS PHONE: 55-11-5019-1723 MAIL ADDRESS: STREET 1: PRA?A ALFREDO EGYDIO DE SOUZA ARANHA STREET 2: 100 - TORRE CONCEICAO - CEP 04344-902 CITY: SAO PAULO STATE: D5 ZIP: 00000 FORMER COMPANY: FORMER CONFORMED NAME: Itau Unibanco Banco Multiplo S.A. DATE OF NAME CHANGE: 20090226 FORMER COMPANY: FORMER CONFORMED NAME: BANCO ITAU HOLDING FINANCEIRA S A DATE OF NAME CHANGE: 20030319 FORMER COMPANY: FORMER CONFORMED NAME: BANCO ITAU SA DATE OF NAME CHANGE: 20010117 6-K 1 ss408845_6k.htm REPORT OF FOREIGN ISSUER

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

Report of Foreign Issuer

Pursuant to Rule 13a-16 or 15d-16 of

the Securities Exchange Act of 1934

For the month of December 2014

Commission File Number: 001-15276

Itaú Unibanco Holding S.A.

(Exact name of registrant as specified in its charter)

Itaú Unibanco Holding S.A.

(Translation of Registrant’s Name into English)

Praça Alfredo Egydio de Souza Aranha, 100-Torre Itaúsa

04344-902 São 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: o

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):

Yes: o No: x

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):

Yes: o No: x

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: o 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.

	Itaú Unibanco Holding S.A.
		(Registrant)


Date: December 10, 2014	By:	/s/ Alfredo Egydio Setubal
		Name:	Alfredo Egydio Setubal
		Title:	Investor Relations Officer


By:	/s/ Caio Ibrahim David
	Name:	Caio Ibrahim David
	Title:	Chief Financial Officer

EXHIBIT INDEX

99.1	Announcement to the Market: Credit and Non-Credit Breakdown in Managerial Statement of Income

EX-99.1 2 ss408845_ex9901.htm ANNOUNCEMENT TO THE MARKET

Itaú Unibanco Holding S.A.

CNPJ 60.872.504/0001-23

A Publicly Listed Company

NIRE 35300010230

ANNOUNCEMENT TO THE MARKET

Credit and Non-Credit Breakdown

in Managerial Statement of Income

Itaú Unibanco Holding S.A. (“Company”), focused on the continuous creation of value for its shareholders and on transparent accountability, announces to its shareholders and the market in general the inclusion of a new concept in its presentation of the Managerial Statement of Income: a breakdown of credit and non-credit operations.

This new breakdown provides for a better assessment and analysis of the performance and return of the Company’s value drivers.

The breakdown, as detailed below, will be addressed at the next public Apimec (Association of Capital Market Analysts and Investment Professionals) meeting to be held on December 16 in São Paulo (which will be live broadcast at www.itau.com.br/investor-relations):

R$ billion
	January to September, 2014								January to September, 2013
Managerial Statement of Income	Consolidated		Credit		Non-Credit		Excess Capital		Consolidated		Credit		Non-Credit		Excess Capital
Operating Revenues	66.2		35.7		29.8		0.7		57.7		31.9		25.3		0.5
Financial Margin	40.6		28.6		11.3		0.7		35.2		26.1		8.6		0.5
Commissions and Fees	18.9		6.4		12.5		-		16.1		5.3		10.8		-
Insurance Revenues	6.7		0.7		6.0		-		6.4		0.5		5.8		-
Loan and Retained Claim Losses Net of Recovery	(11.2	)	(9.8	)	(1.4	)	-		(12.3	)	(10.8	)	(1.5	)	-
Loan Loss Provision Expenses	(9.7	)	(9.7	)	0		-		(10.7	)	(10.7	)	0		-
Retained Claims	(1.5	)	(0.1	)	(1.4	)	-		(1.6	)	(0.1	)	(1.5	)	-
Non Interest and Other Expenses	(32.9	)	(16.4	)	(16.5	)	0		(29.6	)	(14.9	)	(14.7	)	0
Recurring Net Income	15.0		5.3		9.0		0.6		11.2		3.5		7.2		0.5

Indicators
Regulatory Capital	87.2		49.7		28.8		8.7		77.6		45.4		22.2		10.0
ROE	23.7	%	14.0	%	43.9	%	7.3	%	19.8	%	9.4	%	46.1	%	5.2	%

Basel III Fully Loaded Simulation at 11%
CET1 Fully Loaded	83.9		53.7		25.9		4.3		73.6		51.9		26.7		(5.0	)
Return on CET1 Fully Loaded	23.9	%	13.4	%	48.2	%	8.0	%	20.1	%	8.8	%	39.1	%	4.5	%

Note: For the purpose of managerial calculation, the Company uses a 13.75% capital ratio, which represents the minimum required of 11% plus an additional 25%

The supply of this information provides the market with democratic and equitable access, reinforcing our commitment to transparency in our disclosures.

São Paulo (SP), December 09, 2014.

ALFREDO EGYDIO SETUBAL

Investor Relations Officer