Quick Access InformationHomeLetter to Shareholders2004 RetrospectivePerformance OverviewRatio AnalysisDomestic and International PresenceMain Subsidiaries and AffiliatesMission, Strategic Objetives and the 2-10-20Unibanco's BrandSocial ResponsibilityBoard and Management   Letter to Shareholders   80 Years   2004 Highlights   2004 Retrospective   Performance Highlights   Profitability per Share   Ratio Analysis   Main Awards and Achievements   Performance Overview   Net Income and Stockholders' Equity   Sale of Credicard and Orbitall   Assets   Loan Portfolio   Funding   Capital Adequacy and Fixed Asset Ratios   Results   Performance Overview   Reach   Client-base: Growth by Acquisitions and Partnerships   Market Segmentation   Distribution - Domestic and International Presence   30 Hours with our clients   Main Subsidiaries and Affiliates   Business Units   Retail   Commercial Bank   Consumer Business   Auto Financing   Other Retail Financial Services   Wholesale   Lending   Correspondent Banks   Foreign Exchange and Trade   Capital Markets   Financial Advice   Insurance and Pensions   2004 Highlights   Insurance   Pension Plans   Wealth Management   UAM   Private Bank   Financial Strategists   Outlook for 2005   Intangible Assets   Pioneering the Path   Mission, Strategic Objetives and the 2-10-20   Unibanco's Brand   Talent Development   Quality   Social Responsibility   Corporate Governance and Stocks   Corporate Governance   Organizational Overhaul Safeguards Governance   Board and Management   Ownership Structure   Investor Relations   Publications and Information   Risk Management   Ratings   Unibanco and Unibanco Holdings - Stocks   Performance at Bovespa and the NYSE   Dividend Policy   Social Responsibility   Instituto Unibanco   Centro de Estudos   Círculos de Leitura / Reading Circles   Estúdio Aprendiz   Junior Achievement   Natureza Jovem   Environental Education Centers   Maré do Saber and Rocinha do Saber   Other Projects   Instituto Moreira Salles   The Unibanco Community   Benefits   Life Quality   Celebrating Unibanco's 80 Years   Volunteeer Work   Sustainability   Added Value   Social Report   Unibanco Holdings   Letter to Shareholders   Management Report   Board and Executive Officers   Summary of Consolidated Financial Statement   Corporate Information   Financial Statements The Unibanco Community   Human capital is one of Unibanco's main competitive differentials. Just as businesses evolve constantly and competition tightens in many industries, investing in people has been one of the bank's hallmarks and a strategic factor in all its operation fronts.      Previous Versions   -   Versão em Português