Itaú Unibanco S A : 01/21/2021 Reference Form 2019

Itaú Unibanco Holding S.A.

2019

Reference Form

Itaú Unibanco Holding S.A.

REFERENCE FORM

Base Date: 12.31.2019

(in accordance with Attachment 24 to CVM Instruction No. 480 of December 7, 2009 "CVM Instruction No.

480", as amended)

Identification

Head Office

Investor Relations Office

Itaú Unibanco Holding S.A., a corporation enrolled under the National Register of Legal Entities/ Ministry of Finance (CNPJ/MF) under No. 60.872.504/0001-23, with its Articles of Incorporation registered with the Trade Board of the State of São Paulo under NIRE No. 35.3.0001023-0, and registered as a publicly-held company with the Brazilian Securities and Exchange Commission ("CVM") under No. 19348 ("Bank" or "Issuer")

The Issuer's head office is located at Praça Alfredo Egydio de Souza Aranha, 100 - Torre Olavo Setubal, in the City and State of São Paulo, CEP 04344-902.

The Investor Relations department is located at AvenidaEngenheiro Armando de Arruda Pereira, 707 - Torre EudoroVillela - Térreo, in the City and State of São Paulo. The Group Head of Investor Relations is Mr. Renato Lulia Jacob. The Investor Relations Department's telephone number is (0xx11) 2794-3547, fax number is [phone], and email is [e-mail].

Independent Auditors Firm

Bookkeeping Agent

Stockholders Service

PricewaterhouseCoopers AuditoresIndependentes, for the years ended 12/31/2019, 12/31/2018 and 12/31/2017.

Itaú Corretora de Valores S.A.

The Issuer's stockholders' service is carried out at the branches of Itaú Unibanco S.A., the head office of which is located at Praça Alfredo Egydio de Souza Aranha, 100 - Torre Olavo Setubal, in the City and State of São Paulo, CEP 04344-902.

Newspapers from which the Company discloses Information

Website

Last update of this Reference Form

Official Gazette of the State of São Paulo (DiárioOficial do Estado de São Paulo) and O Estado de São Paulo newspaper.

www.itau.com.br/investor-relations. The information included in the Company's website is not an integral part of this Reference Form.

01/19/2021

Historical resubmission

Version	Reasons for resubmission	Date of update
V2	Update in itens 12.5/6, 12.7/8 and 12.12	07/10/2020
V3	Update in itens 11.1 and 11.2	08/03/2020
V4	Update in itens 12.5/6, 12.7/8 and 12.12	08/18/2020
V5	Update in itens 12.7/8 and 12.12	08/24/2020
V6	Update in itens 12.5/6 and 12.12	09/04/2020
V7	Update in itens 12.5/6 and 12.12	10/07/2020
V8	Update in itens 12.5/12.6, 12.7/12.8 and 12.12	10/29/2020
V9	Update in itens 5.6, 11.1 and 11.2	11/03/2020
V10	Update in itens 12.5/6 and 12.12	12/03/2020
V11	Update in itens 1.0; 12.5/12.6 and 12.12	12/14/2020
V12	Update in itens 12.5/12.6, 12.7/12.8 and 12.12	01/12/2021
V13	Update in item 18.8 (18.12)	01/19/2021

Index

ITEM 1. IDENTIFICATION OF THE PEOPLE RESPONSIBLE FOR THE CONTENT OF THE FORM	5
ITEM 2. AUDITORS	6
ITEM 3. SELECTED FINANCIAL INFORMATION	9
ITEM 4. RISK FACTORS	17
ITEM 5. RISK MANAGEMENT AND INTERNAL CONTROL POLICY	56
ITEM 6. ISSUER'S HISTORY	88
ITEM 7. ACTIVITIES OF THE ISSUER	89
ITEM 8. EXTRAORDINARY BUSINESS	156
ITEM 9. RELEVANT ASSETS	158
ITEM 10. COMMENTS OF EXECUTIVE OFFICERS	163
ITEM 11. PROJECTIONS	194
ITEM 12. STOCKHOLDERS' MEETINGS AND MANAGEMENT	195
ITEM 13. REMUNERATION OF DIRECTORS	269
ITEM 14. HUMAN RESOURCES	298
ITEM 15. CONTROL AND ECONOMIC GROUP	304
ITEM 16. TRANSACTIONS WITH RELATED PARTIES	382
ITEM 17. CAPITAL	388
ITEM 18. SECURITIES	391
ITEM 19. REPURCHASE PLANS AND TREASURY SECURITIES	435
ITEM 20. SECURITIES TRADING POLICY	437
ITEM 21. INFORMATION DISCLOSURE POLICY	440
REPORT OF INDEPENDENT AUDITORS ON REFERENCE FORM (CVM INSTRUCTION 480)	443