Quarterly Management Discussion & Analysis (MDA300905.pdf)
Quarterly Management Discussion & Analysis (MDA300905.pdf) Quarterly Management Discussion & Analysis (MDA300905.pdf)
Pro Forma Financial Statements by SubsegmentFinancial Statements per SubsegmentBelow are the balance sheets and statements of income for the Branch Banking, Credit Card - Account Holders, Insurance,Pension Plan and Capitalization segments of Itaubanco, which have been adjusted to reflect the impacts of capitalallocation to each subsegment (pro forma).On September 30, 2005R$ MilliionCash and Cash Equivalents 1,929 71 10 2,010Short-term Interbank Deposits 36,327 585 - 36,911Securities 6,745 694 14,167 21,606Interbank and Interbranch Accounts 11,995 - - 11,995Loans 21,297 2,997 - 24,294(Allowance for Loan Losses) (2,657) (195) - (2,852)Other Assets 19,051 1,012 1,526 21,590R$ MillionDeposits 49,636 - - 49,636Securities Repurchase Agreements 10,185 - - 10,185Funds from Acceptances and Issue of Securities 4,915 - - 4,915Interbank and Interbranch Accounts 2,548 - - 2,548Borrowings 1,560 156 - 1,716Derivative Financial Instruments 1,728 - 25 1,753Other Liabilities 20,071 4,610 1,225 25,906Technical Provisions - - 13,486 13,486Pro Forma Financial Statement by SubsegmentR$ Million• Banking Operations 1,632 247 122 - 2,001• Treasury 4 - - - 4• Management of Foreign Exchange Risk from Investments Abroad - netof tax effects 127 - - - 127Provision for Loan and Lease Losses (745) (99) - - (845)Credits Recoveries and Renegotiated 99 12 - - 110Banking Service Fees 795 376 45 437 1,653Transfer to Banking 202 - - (202) -Partial Result of Insurance, Capitalization and Pension Plans 19 - 164 - 183Non-Interest Expenses (1,381) (350) (156) (105) (1,992)Taxes Expenses for ISS, PIS and COFINS (182) (53) (24) (22) (281)Other Operating Income 10 20 1 - 32-Non-Operating Income (3) 0 6 - 3Note: The item Non-Interest Expenses is composed by Personnel Expenses, Other Administrative Expenses, tax expenses for CPMF e Other taxes and Other Operating Expenses.26 Management Discussion and AnalysisBanco Itaú Holding Financeira S.A.
Pro Forma Financial Statements by SubsegmentOn June 30, 2005R$ MillionCash and Cash Equivalents 1,961 40 19 2,020Short-term Interbank Deposits 33,692 591 - 34,283Securities 5,072 615 13,426 19,113Interbank and Interbranch Accounts 13,087 - - 13,087Loans 21,050 2,798 - 23,848(Allowance for Loan Losses) (2,382) (125) - (2,508)Other Assets 23,056 908 1,483 25,446R$ MillionDeposits 45,327 - - 45,327Securities Repurchase Agreements 9,924 - - 9,924Funds from Acceptances and Issue of Securities 5,204 - - 5,204Interbank and Interbranch Accounts 2,243 - - 2,243Borrowings 2,147 163 - 2,310Derivative Financial Instruments 1,630 - 17 1,647Other Liabilities 25,270 4,325 1,189 30,784Technical Provisions - - 12,506 12,506Pro Forma Financial Statement by SubsegmentR$ Million• Banking Operations 1,621 234 135 - 1,991• Treasury (28) - - - (28)• Management of Foreign Exchange Risk from Investments Abroad - netof tax effects 117 - - - 117Provision for Loan and Lease Losses (568) (80) - - (648)Credits Recoveries and Renegotiated 101 30 - - 131Banking Service Fees 753 364 40 405 1,562Transfer to Banking 191 - - (191) -Partial Result of Insurance, Capitalization and Pension Plans 20 - 172 - 192Non-Interest Expenses (1,443) (329) (143) (113) (2,028)Taxes Expenses for ISS, PIS and COFINS (174) (55) (23) (18) (270)Equity in the Earnings of Associated Companies (0) - - - (0)Other Operating Income 24 18 5 - 48Non-Operating Income (5) 1 3 - (2)Note: The item Non-Interest Expenses is composed by Personnel Expenses, Other Administrative Expenses, tax expenses for CPMF e Other taxes and Other Operating Expenses.27 Management Discussion and AnalysisBanco Itaú Holding Financeira S.A.
- Page 5: Executive SummaryConsolidated State
- Page 10 and 11: Executive Summary - Third Quarter o
- Page 12 and 13: Analysis of the Consolidated Net In
- Page 14 and 15: Analysis of the Consolidated Net In
- Page 16 and 17: Analysis of the Consolidated Perfor
- Page 18 and 19: Analysis of the Consolidated Net In
- Page 20 and 21: Analysis of the Consolidated Net In
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- Page 24 and 25: Pro Forma Financial Statements by S
- Page 28 and 29: Itaubanco - Branch BankingThe state
- Page 30 and 31: Insurance, Pension Plan and Capital
- Page 32 and 33: Insurance, Pension Plan and Capital
- Page 34 and 35: Investment Funds and Managed Portfo
- Page 36 and 37: ItaucredThe following tables are ba
- Page 38 and 39: ItaucredVehiclesThe Vehicle segment
- Page 40 and 41: Risk ManagementMarket RiskBanco Ita
- Page 42 and 43: Risk ManagementCredit RiskCredit Op
- Page 44 and 45: Analysis of the Consolidated Balanc
- Page 46 and 47: Activities AbroadTrade Lines Raisin
- Page 48 and 49: Ownership StructureOwnership Struct
- Page 50: PricewaterhouseCoopersAv. Francisco
Pro Forma Financial Statements by SubsegmentFinancial Statements per SubsegmentBelow are the balance sheets and statements of income for the Branch Banking, Credit Card - Account Holders, Insurance,Pension Plan and Capitalization segments of Itaubanco, which have been adjusted to reflect the impacts of capitalallocation to each subsegment (pro forma).On September 30, 2005R$ MilliionCash and Cash Equivalents 1,929 71 10 2,010Short-term Interbank Deposits 36,327 585 - 36,911Securities 6,745 694 14,167 21,606Interbank and Interbranch Accounts 11,995 - - 11,995Loans 21,297 2,997 - 24,294(Allowance for Loan Losses) (2,657) (195) - (2,852)Other Assets 19,051 1,012 1,526 21,590R$ MillionDeposits 49,636 - - 49,636Securities Repurchase Agreements 10,185 - - 10,185Funds from Acceptances and Issue of Securities 4,915 - - 4,915Interbank and Interbranch Accounts 2,548 - - 2,548Borrowings 1,560 156 - 1,716Derivative Financial Instruments 1,728 - 25 1,753Other Liabilities 20,071 4,610 1,225 25,906Technical Provisions - - 13,486 13,486Pro Forma Financial Statement by SubsegmentR$ Million• Banking Operations 1,632 247 122 - 2,001• Treasury 4 - - - 4• <strong>Management</strong> of Foreign Exchange Risk from Investments Abroad - netof tax effects 127 - - - 127Provision for Loan and Lease Losses (745) (99) - - (845)Credits Recoveries and Renegotiated 99 12 - - 110Banking Service Fees 795 376 45 437 1,653Transfer to Banking 202 - - (202) -Partial Result of Insurance, Capitalization and Pension Plans 19 - 164 - 183Non-Interest Expenses (1,381) (350) (156) (105) (1,992)Taxes Expenses for ISS, PIS and COFINS (182) (53) (24) (22) (281)Other Operating Income 10 20 1 - 32-Non-Operating Income (3) 0 6 - 3Note: The item Non-Interest Expenses is composed by Personnel Expenses, Other Administrative Expenses, tax expenses for CPMF e Other taxes and Other Operating Expenses.26 <strong>Management</strong> <strong>Discussion</strong> and <strong>Analysis</strong>Banco Itaú Holding Financeira S.A.
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