{"id":626654,"date":"2025-09-29T15:14:04","date_gmt":"2025-09-29T18:14:04","guid":{"rendered":"https:\/\/www.suno.com.br\/noticias\/?p=626654"},"modified":"2025-09-29T15:14:08","modified_gmt":"2025-09-29T18:14:08","slug":"xp-aposta-no-futuro-itau-itub4-mt","status":"publish","type":"post","link":"https:\/\/www.suno.com.br\/noticias\/xp-aposta-no-futuro-itau-itub4-mt\/","title":{"rendered":"XP aposta no futuro do Ita\u00fa (ITUB4): consignado privado, IA e corte de custos bilion\u00e1rio no radar"},"content":{"rendered":"<p>O <strong>Ita\u00fa<\/strong> voltou a ganhar aten\u00e7\u00e3o de investidores ap\u00f3s um Non-deal Roadshow (NDR) realizado no Rio de Janeiro. Representado por Gustavo Rodrigues (IRO) e Pedro Manzano (Gerente de RI), o banco destacou sua transforma\u00e7\u00e3o operacional com foco em efici\u00eancia, digitaliza\u00e7\u00e3o e crescimento do <a class=\"suno-keyword\" target=\"_blank\" data-force=\"no\" data-priority=\"2\" href=\"https:\/\/www.suno.com.br\/artigos\/emprestimo-consignado\/\" rel=\"noopener\">empr\u00e9stimo consignado<\/a> privado. A XP manteve recomenda\u00e7\u00e3o de compra, com pre\u00e7o-alvo de R$ 45 por a\u00e7\u00e3o, apontando potencial de valoriza\u00e7\u00e3o de 17% frente \u00e0 cota\u00e7\u00e3o atual.<\/p>\t<div class=\"wrapper-featured-image\">\n\t\t<figure class=\"spotlightImg\">\n\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 768px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/05\/cropped-itau-unibanco-itub4-400x200.jpg\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"newsContent__article__imgCapa lazyloadDisabled \" src=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/05\/cropped-itau-unibanco-itub4.jpg\" width=\"800\" height=\"450\" alt=\"XP aposta no futuro do Ita\u00fa (ITUB4): consignado privado, IA e corte de custos bilion\u00e1rio no radar\" fetchpriority=high \/>\n\t\t\t<\/picture>\n\n\t\t\t<figcaption class=\"wp-caption-text wp-caption-text--show\">Ita\u00fa (ITUB4). Foto: Ag\u00eancia Brasil. <\/figcaption>\n\t\t<\/figure>\n\t<\/div>\n\n\n\n\n\n\t<p>\n\t\t<a href=\"https:\/\/lp.suno.com.br\/plataforma-de-controle-de-investimentos\/\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/400x300-Controle-de-Investimentos.png\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/1420x240-Controle-de-Investimentos.png\"\n\t\t\t\t\tdata-promo-id=\"383162\"\t\t\t\t\t\t\t\t\t\twidth='1420' height='240'\t\t\t\t\talt=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/1420x240-Controle-de-Investimentos.png\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n\n\n\n<p>O encontro trouxe tr\u00eas pontos principais: evolu\u00e7\u00e3o do consignado privado, desdobramentos do Ita\u00fa Day e din\u00e2mica da inadimpl\u00eancia no cen\u00e1rio atual. Segundo a <strong>XP<\/strong>, a leitura geral foi construtiva, refor\u00e7ando a tese de investimento na institui\u00e7\u00e3o financeira e no Ita\u00fa (<strong>ITUB4) <\/strong>como case de <a class=\"suno-keyword\" data-force=\"no\" data-priority=\"1\" href=\"https:\/\/www.suno.com.br\/artigos\/longo-prazo\/\" target=\"_blank\" rel=\"noopener\">longo prazo<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Consignado privado impulsiona expectativas<\/h3>\n\n\n\n<p>A gest\u00e3o ressaltou que o produto tem grande potencial para a economia brasileira, por oferecer taxas menores e <a class=\"suno-keyword\" target=\"_blank\" data-force=\"no\" data-priority=\"1\" href=\"https:\/\/www.suno.com.br\/artigos\/risco-de-credito\/\" rel=\"noopener\">risco de cr\u00e9dito<\/a> reduzido devido \u00e0s garantias. Embora ainda existam d\u00favidas sobre impactos em segmentos de menor renda, o banco disse que a inadimpl\u00eancia est\u00e1 em linha com o esperado. O crescimento recente decorre principalmente da migra\u00e7\u00e3o de linhas legadas e de cr\u00e9dito pessoal, sendo a nova origina\u00e7\u00e3o a menos relevante no momento.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Efici\u00eancia, digitaliza\u00e7\u00e3o e corte de custos no Ita\u00fa<\/h3>\n\n\n\t<p>\n\t\t<a href=\"\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"\"\n\t\t\t\t\tdata-promo-id=\"265406\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\talt=\"\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n\n\n\n<p>Outro tema levantado foi a meta de ganhos de efici\u00eancia at\u00e9 2030. A institui\u00e7\u00e3o aposta na digitaliza\u00e7\u00e3o do relacionamento com clientes, moderniza\u00e7\u00e3o da plataforma e descontinua\u00e7\u00e3o de sistemas legados, como o mainframe at\u00e9 2028. A XP apontou ainda o interesse do banco em adotar intelig\u00eancia artificial generativa para acelerar vendas e escalar neg\u00f3cios.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qualidade do cr\u00e9dito<\/h3>\n\n\n\n<p>Apesar do ambiente financeiro desafiador, executivos afirmaram que os indicadores de inadimpl\u00eancia seguem controlados. A carteira de cr\u00e9dito passou por um processo de redu\u00e7\u00e3o de risco nos \u00faltimos tr\u00eas anos, permitindo ao Ita\u00fa manter NPLs entre os mais baixos do setor em <a class=\"suno-keyword\" target=\"_blank\" data-force=\"no\" data-priority=\"2\" href=\"https:\/\/www.suno.com.br\/artigos\/pessoa-fisica\/\" rel=\"noopener\">pessoas f\u00edsicas<\/a>. Nas PMEs, espera-se normaliza\u00e7\u00e3o ap\u00f3s o impulso de programas com garantia governamental.<\/p>\n\n\n\n<p>No encerramento do relat\u00f3rio, os analistas refor\u00e7aram a vis\u00e3o positiva: \u201cO discurso reflete uma combina\u00e7\u00e3o de disciplina e pragmatismo: crescimento seletivo, remodelagem da estrutura operacional e prud\u00eancia em novas modalidades de cr\u00e9dito\u201d, escreveram Bernardo Guttmann e Matheus Guimar\u00e3es, da XP Investimentos sobre o <strong>Ita\u00fa.<\/strong><\/p>\n\n\n\n\n\t<p>\n\t\t<a href=\"https:\/\/lp.suno.com.br\/ebook-como-analisar-uma-acao\/\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/Ebook-Acoes-Mobile.jpg\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/Ebook-Acoes-Desktop.jpg\"\n\t\t\t\t\tdata-promo-id=\"378302\"\t\t\t\t\t\t\t\t\t\twidth='1420' height='286'\t\t\t\t\talt=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/03\/Ebook-Acoes-Desktop.jpg\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>O Ita\u00fa voltou a ganhar aten\u00e7\u00e3o de investidores ap\u00f3s um Non-deal Roadshow (NDR) realizado no Rio de Janeiro. Representado por Gustavo Rodrigues (IRO) e Pedro Manzano (Gerente de RI), o banco destacou sua transforma\u00e7\u00e3o operacional com foco em efici\u00eancia, digitaliza\u00e7\u00e3o e crescimento do empr\u00e9stimo consignado privado. A XP manteve recomenda\u00e7\u00e3o de compra, com pre\u00e7o-alvo de [&hellip;]<\/p>\n","protected":false},"author":402,"featured_media":529633,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[519],"suno_strategy":[],"class_list":["post-626654","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-itau-unibanco-itub3-itub4"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ita\u00fa (ITUB4) mira IA e consignado para crescer, diz XP<\/title>\n<meta name=\"description\" content=\"XP v\u00ea transforma\u00e7\u00e3o no Ita\u00fa (ITUB4) com consignado privado, digitaliza\u00e7\u00e3o e IA, refor\u00e7ando recomenda\u00e7\u00e3o de compra\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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