Itau Unibanco : 06/18/2019 Reference Form 2018

Reference Form

2018

Itaú Unibanco Holding S.A.

Historical resubmission

Version	Reasons for resubmission	Date of update
V2	Update in item 20.2	05/31/2019
V3	Update in itens 12.5/6, 12.7/8, 12.12, 15.1/15.2, 15.3, 15.4, 15.8 e	06/18/2019
	19.2

Index

ITEM 1. IDENTIFICATION OF THE PEOPLE RESPONSIBLE FOR THE CONTENT OF THE FORM	3
ITEM 2. AUDITORS	4
ITEM 3. SELECTED FINANCIAL INFORMATION	7
ITEM 4. RISK FACTORS	20
ITEM 5. RISK MANAGEMENT AND INTERNAL CONTROL POLICY	59
ITEM 6. ISSUER'S HISTORY	90
ITEM 7. ACTIVITIES OF THE ISSUER	94
ITEM 8. EXTRAORDINARY BUSINESS	154
ITEM 9. RELEVANT ASSETS	159
ITEM 10. COMMENTS OF EXECUTIVE OFFICERS	165
ITEM 11. PROJECTIONS	197
ITEM 12. STOCKHOLDERS' MEETINGS AND MANAGEMENT	202
ITEM 13. REMUNERATION OF DIRECTORS	281
ITEM 14. HUMAN RESOURCES	310
ITEM 15. CONTROL AND ECONOMIC GROUP	316
ITEM 16. TRANSACTIONS WITH RELATED PARTIES	396
ITEM 17. CAPITAL	402
ITEM 18. SECURITIES	407
ITEM 19. REPURCHASE PLANS AND TREASURY SECURITIES	445
ITEM 20. SECURITIES TRADING POLICY	448
ITEM 21. INFORMATION DISCLOSURE POLICY	450

REPORT OF INDEPENDENT AUDITORS ON REFERENCE FORM (CVM INSTRUCTION 480)	453

ITEM 1. IDENTIFICATION OF THE PEOPLE RESPONSIBLE FOR THE CONTENT OF THE FORM

1.0 Identification:

	Name of the person responsible for the content of the form	Position of the person responsible
	Candido Botelho Bracher	Chief Executive Officer
	Alexsandro Broedel	Head of Investor Relations
	1.1. Chief Executive Officer's Statement:
Name of the person responsible for the content of the form	Position of the person responsible
Candido Botelho Bracher	Chief Executive Officer
The above-qualified officer states that:
	a. he has revised the reference form;

b. all information contained in the form is in compliance with the provisions of CVM Instruction No. 480, particularly articles 14 to 19;

c. the information contained in the form is a true, accurate and complete portrait of the Issuer's economic and financial situation and of the risks inherent in its activities and in the securities issued by it.

Signature:

1.2. Head of Investor Relations' statement:

Name of the person responsible for the content of the form	Position of the person responsible
Alexsandro Broedel	Head of Investor Relations
The above-qualified officer states that:
a. he has revised the reference form;

b. all information contained in the form is in compliance with the provisions of CVM Instruction No. 480, particularly articles 14 to 19;

c. the information contained in the form is a true, accurate and complete portrait of the Issuer's economic and financial situation and of the risks inherent in its activities and in the securities issued by it.

Signature:

1.3. Chief Executive Officer's/Head of Investor Relations' Statement:

Name of the person responsible for the content of the form	Position of the person responsible
Candido Botelho Bracher	Chief Executive Officer
Alexsandro Broedel	Head of Investor Relations

The above-qualified officers state that:

a. they have revised the reference form;

b. all information contained in the form is in compliance with the provisions of CVM Instruction No. 480, particularly articles 14 to 19;

c. the information contained in the form is a true, accurate and complete portrait of the Issuer's economic and financial situation and of the risks inherent in its activities and in the securities issued by it.

1

ITEM 2. AUDITORS

Items - 2.1. and 2.2. - Auditors

2018

2017

2016

Has an auditor been engaged?

Auditor's Brazilian Securities and Exchange Commission ("CVM") code

Type of auditor

Corporate name

Corporate Taxpayer's Registry (CNPJ) number

Date of engagement

Initial date of service provision

Final date of service provision

YES	YES	YES
2879	2879	2879
Pricewaterhousecoopers Auditores Independentes	Pricewaterhousecoopers Auditores Independentes	Pricewaterhousecoopers Auditores Independentes
61.562.112/0001-20	61.562.112/0001-20	61.562.112/0001-20
03/01/2018	03/16/2017	03/08/2016
01/01/2018	01/01/2017	01/01/2016
12/31/2018	12/31/2017	12/31/2016

R$/Thousand

	1.	Agreements for the audit of the financial statements,
	issue of reports required by regulatory authorities, and issue
	of comfort letters;
	2.	Service agreements for other audit procedures and issue
	of reports with specific purposes;
	3.	Service agreement for the review of bookkeeping and tax
	bookkeeping, issue of income tax calculation and settlement
Description of the services contracted	review report, and review of compliance with transfer pricing
	policies;
	4.	Other services relating to procurement of technical
	material and training;
	5.	Service agreement for reasonable assurance of fulfilment
	of commitments entered with government agencies.

	1. Agreements for the audit of the financial statements, issue	1.	Agreements for the audit of	the	financial
64.960	of reports required by regulatory authorities, and issue of statements,	issue	of reports	required	by regulatory
	comfort letters;	authorities, and issue of comfort letters;
	2.Service agreements for the preparation of accounting	2.	Service	agreements for the preparation of
	accounting reports, due diligence and other audit
4.727	reports, due diligence and other audit procedures, and issue	procedures,	and	issue of	reports	with	specific
	of reports with specific purposes;	purposes;

3. Service agreement for the review of bookkeeping and tax 3. Service agreement for the review of bookkeeping 581 bookkeeping, issue of income tax settlement report, and and tax bookkeeping and review of compliance with

	review of compliance with transfer pricing policies;	transfer pricing policies;
90	4. Other services relating to training, procurement of technical 4.	Advisory service agreements for the review of
material and surveys.	bookkeeping and sale of loans portfolio;
376		5.	Service agreements associated to assessment of
	availability related to the custody rule SEC206;
		6.	Other services relating to training, procurement of
		technical material and surveys.

2