Retail - Serves individuals of all income levels (except Private Banking) and companies with annual sales up to R$150 million. It also operates in the consumer finance segment through Fininvest, PontoCred and LuizaCred brand names and in the credit card segment through Unicard, Hipercard and Redecard.

Wholesale - With a strategy that blends regional knowledge and industry-specific expertise, focused on a long-term relationship, the Wholesale serves companies with annual sales greater than R$150 million and institutional investors.

 

Treasury - It is a profit center and a service provider, managing liquidity, market risk and making markets for our clients.

 

Wealth Management - Offers investment products via Unibanco Asset Management (UAM) to individuals and institutional investors and covers high net worth individuals in the private banking segment.

Insurance and Pension Plans- Unibanco Insurance and Pensions provides individuals and businesses with, among others, life, medical, automobile, personal property, extended warranty insurance products and services, as well as pension plans. The subsidiary Unibanco Vida e Previdência S.A. (UVP) manages reserves that consist of pension and retirement contributions made by institutional clients and individuals.

Investment Banking - Handle Origination, Structuring, Distribution and Research. The Investment Banking has focused on prospecting business and on consolidating its operations. The highlight was the Equity Research team of Investment Banking, which was recognized as the only Brazilian firm among the Top 10 Research Houses in the 2008 Latin Research Team ranking, from Institutional Investor magazine.