One of 2004's highlights was the Tarifa Zero. It is a simple, innovative, complete and accessible program, offering progressive discounts in the main fees, allowing holders of current accounts to save from 25% to 100% in packages and one-off fees.

The business segment serves companies with up to R$150 million in annual sales and was expanded in 2004 to attend the needs of companies with annual sales between R$40 million and R$150 million, previously under the Wholesale banking umbrella. Business client-base grew 8% in 2004 and the business discount portfolio rose by 170%.

Cash Management was also recently moved out of Wholesale banking into Retail. Some 90,000 business clients use Unibanco's cash management services, which offer simple and efficient processes for accounts payable and receivable. The financial margin for cash management services totaled R$393 million for the year. The highlight was the expansion of the correspondent banks platform, which at year-end had 3,500 service centers throughout the country and had completed some 13 million transactions.