Itaú Unibanco is a company that provides financial products and services to individuals and corporate clients. The company operates in three segments: Retail Business, Wholesale Business, and Activities with the Market and Corporations. The Retail Business segment offers personal loans, credit cards, payroll deducted loans, vehicle financing, mortgage loans, insurance, and other services. The Wholesale Business segment provides such solutions as middle-market banking business, asset management, corporate and investment banking activities, etc. The Activities with the Market and Corporations Business segment manages interest income associated with capital surplus, subordinated debt surplus, and the net balance of tax credits and debits.