| On July 1st 2004, Unibanco started to implement a new organizational structure
in the retail area, as part of a broader restructuring initiative led by the organization.
The changes are part of a strategy focused on growing earnings and efficiency
through the optimization of synergies among businesses and procedures at all levels,
from products and distribution to client services.
The new structure places particular emphasis on the dynamics and growth potentials
of all business lines comprising individual clients, small and medium businesses
(annual sales of up to R$150 million), credit cards and consumer credit clients,
and auto financing.
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