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Sao Paulo
 Letter to Shareholders
 80 Years
 2004 Highlights
 Performance Overview
 Reach
 Business Units
 Intangible Assets
 Corporate Governance and Stocks
 Social Responsibility
 Unibanco Holdings
 Corporate Information
 Financial Statements
2004 Retrospective
 
January
Change in round lot for Unibanco stock traded at Bovespa (additional information in Corporate Governance and Stocks).
Armínio Fraga, former President of the Central Bank of Brazil (1999-2002), is elected to the Board of Directors.
Placement of a US$100 million Eurobond issue.

March
Acquisition of Hipercard credit card operations (additional information in Business Units).

April
Launch of comprehensive organizational restructuring (additional information in Corporate Governance and Stocks).

May
Pedro Malan, former President of the Central Bank of Brazil (1993-1994) and Minister of Finance (1995-2002) is elected Chairman of the Board of Unibanco.
Contracting of market maker (additional information in Corporate Governance and Stocks).
Issue of US$200 million in Notes.

June
Adoption of the Equator Principles (additional information in Social Responsibility).
Acquisition of the BNL do Brasil bank from Banca Nazionale del Lavoro.

July
Pedro Moreira Salles, Chief Executive Officer of Unibanco, announces the conglomerates' new structure and personally introduces the changes to some 5,000 staff members.

August
Partnership with Sonae supermarket chain (additional information in Business Units).
Reverse stock split (additional information in Corporate Governance and Stocks).

September
Unibanco stock is included in the IBrX-50 index (additional information in Corporate Governance and Stocks).

November
Shareholder restructuring of the Credicard group (additional information in Business Units).

December
Unibanco and Unibanco Holdings announce the intention to sell the Units held by Commerzbank through a secondary stock offer (additional information in Corporate Governance and Stocks).


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