Itau Unibanco Holding S.A. | CIK:0001132597 | 3

  • Filed: 4/20/2018
  • Entity registrant name: Itau Unibanco Holding S.A. (CIK: 0001132597)
  • Generator: Donnelley Financial Solutions
  • SEC filing page: http://www.sec.gov/Archives/edgar/data/1132597/000114420418021659/0001144204-18-021659-index.htm
  • XBRL Instance: http://www.sec.gov/Archives/edgar/data/1132597/000114420418021659/itub-20171231.xml
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  • ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory

    The changes in the allowance for loan and lease losses are shown in the table below:

     

    Composition of the carrying amount by class of assets

       Opening
    balance
    12/31/2016
         Write-offs      Net increase
    / (Reversal)
         Closing
    balance
    12/31/2017
     

    Individuals

         14,259        (12,538 )       11,271        12,992  

    Credit card

         3,693        (4,252 )       4,028        3,469  

    Personal loans

         7,756        (6,412 )       5,500        6,844  

    Payroll loans

         2,108        (1,357 )       1,331        2,082  

    Vehicles

         644        (476 )       382        550  

    Mortgage loans

         58        (41 )       30        47  

    Corporate

         5,862        (1,648 )       2,744        6,958  

    Small and medium businesses

         4,743        (4,168 )       3,244        3,819  

    Foreign loans—Latin America

         2,108        (1,469 )       3,487        4,126  
      

     

     

        

     

     

        

     

     

        

     

     

     

    Total

         26,972        (19,823 )       20,746        27,895  
      

     

     

        

     

     

        

     

     

        

     

     

     

    Composition of the carrying amount by class of assets

       Opening
    balance
    12/31/2015
         Write-offs      Net increase
    / (Reversal)
         Closing
    balance
    12/31/2016
     

    Individuals

         14,717        (13,682 )       13,224        14,259  

    Credit card

         4,141        (4,905 )       4,457        3,693  

    Personal loans

         8,330        (6,745 )       6,171        7,756  

    Payroll loans

         1,319        (1,273 )       2,062        2,108  

    Vehicles

         874        (709 )       479        644  

    Mortgage loans

         53        (50 )       55        58  

    Corporate

         6,459        (4,985 )       4,388        5,862  

    Small and medium businesses

         4,809        (4,267 )       4,201        4,743  

    Foreign loans—Latin America

         859        (1,317 )       2,566        2,108  
      

     

     

        

     

     

        

     

     

        

     

     

     

    Total

         26,844        (24,251 )       24,379        26,972  
      

     

     

        

     

     

        

     

     

        

     

     

     

    Composition of the carrying amount by class of assets

       Opening
    balance
    12/31/2014
         Write-offs      Net increase
    / (Reversal)
         Closing
    balance
    12/31/2015
     

    Individuals

         13,385        (11,235 )       12,567        14,717  

    Credit card

         3,740        (4,055 )       4,456        4,141  

    Personal loans

         7,024        (5,221 )       6,527        8,330  

    Payroll loans

         1,107        (622 )       834        1,319  

    Vehicles

         1,469        (1,294 )       699        874  

    Mortgage loans

         45        (43 )       51        53  

    Corporate

         3,114        (4,321 )       7,666        6,459  

    Small and medium businesses

         5,158        (3,981 )       3,632        4,809  

    Foreign loans—Latin America

         735        (528 )       652        859  
      

     

     

        

     

     

        

     

     

        

     

     

     

    Total

         22,392        (20,065 )       24,517        26,844  
      

     

     

        

     

     

        

     

     

        

     

     

     

    The composition of the allowance for loan and lease losses by customer sector is shown in the following table:

     

         12/31/2017      12/31/2016  

    Public sector

         4        5  

    Industry and commerce

         4,634        5,253  

    Services

         6,835        5,237  

    Natural resources

         824        872  

    Other sectors

         629        19  

    Individuals

         14,969        15,586  
      

     

     

        

     

     

     

    Total

         27,895        26,972