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Form 6-K Itau Unibanco Holding For: Dec 10

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December 10, 2014 11:22 AM EST
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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

Ita� Unibanco Holding S.A.
(Exact name of registrant as specified in its charter)
Ita� Unibanco Holding S.A.
(Translation of Registrants Name into English)

Pra�a Alfredo Egydio de Souza Aranha, 100-Torre Ita�sa
04344-902 S�o 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-___________________.
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SIGNATURES
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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.
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Ita� Unibanco Holding S.A.
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� � (Registrant) �
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Date:��December 10, 2014 By: /s/ Alfredo Egydio Setubal �
� � Name:� Alfredo Egydio�Setubal� �
� � Title:� Investor Relations Officer�� �
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� By: /s/ Caio Ibrahim David �
� � Name: Caio Ibrahim David �
� � Title:� Chief Financial Officer �
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EXHIBIT INDEX
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99.1
 Announcement to the Market:� Credit and Non-Credit Breakdown in Managerial Statement of Income
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Ita� 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

Ita� 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 Companys 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 S�o 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 �
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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.


S�o Paulo (SP), December 09, 2014.

ALFREDO EGYDIO SETUBAL
Investor Relations Officer
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