Itau Unibanco Holding SA provides financial products and services to individual and corporate clients in Brazil and abroad. It operates through the following segments: Retail Banking, Wholesale Banking, and Activities with Markets and Companies. Retail banking includes credit cards, asset management, insurance, pension plans and capitalization products, as well as a variety of credit products and services for individuals and small businesses. The Wholesale Banking segment provides corporate and investment banking, including mid-market banking. Activities in the market and corporate segments deal with capital surpluses, subordinated debt surpluses, and the consequences of tax credits and net debt balances. The company was founded on September 9, 1943 and is headquartered in Sao Paulo, Brazil.