Loan operations and lease operations portfolio (Tables)

12 Months Ended

Dec. 31, 2018

Summary of Composition of Carrying Amount of Loan Operations and Lease Operations by Type, Sector of Debtor, Maturity and Concentration

Below is the composition of the carrying amount of loan operations and lease operations by type, sector of debtor, maturity and concentration:


Loan operations and lease operations by type	12/31/2018			12/31/2017
Individuals		212,564			193,385
Credit card		78,255			67,413
Personal loan		29,543			27,295
Payroll loans		46,878			44,716
Vehicles		15,920			14,165
Mortgage loans		41,968			39,796
Corporate		102,643			107,647
Small and medium businesses		68,812			60,290
Foreign loans - Latin America		152,072			136,397

Total Loan Operations and Lease Operations		536,091			497,719

Provision for Expected Loss ^(*)		(33,509	)		(36,469	)

Total loan operations and lease operations, net of allowance for Expected Credit Loss		502,582			461,250

(*)

Comprises Provision for Expected Loss for Financial Guarantees Pledged R$ (1,191) (R$ (1,907) at 12/31/2017) and Commitments to be Released R$ (2,601) (R$ (3,015) at 12/31/2017).


By maturity	12/31/2018		12/31/2017
Overdue as from 1 day		19,563		21,974
Falling due up to 3 months		144,812		127,402
Falling due more than 3 months but less than 1 year		127,805		116,089
Falling due after 1 year		243,911		232,254

Total loan operations and lease operations		536,091		497,719


*By concentration ()**	12/31/2018		12/31/2017
Largest debtor		5,193		4,079
10 largest debtors		31,564		28,958
20 largest debtors		47,433		46,313
50 largest debtors		73,358		74,772
100 largest debtors		98,675		101,149

(*)

The amounts include Financial Guarantees Pledged

Summary of Reconciliation of Gross Portfolio of Loan Operations and Lease Operations

Reconciliation of gross portfolio of Loan Operations and Lease Operations, segregated by stages:


Stage 1	Beginning balance at 12/31/2017		Transfer to Stage 2			Transfer to Stage 3			Cure from the Stage 2		Cure from the Stage 3		Derecognition			Acquisition / (Settlement)			Closing balance at 12/31/2018
Individuals		161,364		(15,847	)		(1,921	)		5,820		0		0			28,072			177,488
Credit card		57,073		(6,361	)		(471	)		3,335		0		0			11,651			65,227
Personal loans		12,290		(4,854	)		(908	)		665		0		0			6,932			14,125
Payroll loans		42,115		(1,882	)		(431	)		542		0		0			3,812			44,156
Vehicles		12,550		(1,442	)		(104	)		322		0		0			3,027			14,353
Mortgage loans		37,336		(1,308	)		(7	)		956		0		0			2,650			39,627
Corporate		91,442		(726	)		(137	)		1,629		113		0			(1,605	)		90,716
Small and medium businesses		47,132		(4,891	)		(742	)		2,849		22		0			12,729			57,099
Foreign loans - Latin America		117,448		(10,913	)		(1,261	)		9,691		132		0			19,226			134,323

Total		417,386		(32,377	)		(4,061	)		19,989		267		0			58,422			459,626


Stage 2	Beginning balance at 12/31/2017		Transfer to Stage 1			Transfer to Stage 3			Cure from the Stage 1		Cure from the Stage 3		Derecognition			Acquisition / (Settlement)			Closing balance at 12/31/2018
Individuals		13,032		(5,820	)		(7,796	)		15,847		1,018		0			748			17,029
Credit card		6,027		(3,335	)		(2,794	)		6,361		60		0			2,170			8,489
Personal loans		3,108		(665	)		(2,970	)		4,854		611		0			(511	)		4,427
Payroll loans		733		(542	)		(1,136	)		1,882		131		0			(44	)		1,024
Vehicles		987		(322	)		(598	)		1,442		65		0			(552	)		1,022
Mortgage loans		2,177		(956	)		(298	)		1,308		151		0			(315	)		2,067
Corporate		3,833		(1,629	)		(1,032	)		726		1,347		0			(1,023	)		2,222
Small and medium businesses		6,001		(2,849	)		(1,610	)		4,891		505		0			(1,063	)		5,875
Foreign loans - Latin America		13,028		(9,691	)		(3,025	)		10,913		1,002		0			(459	)		11,768

Total		35,894		(19,989	)		(13,463	)		32,377		3,872		0			(1,797	)		36,894


Stage 3	Beginning balance at 12/31/2017		Transfer to Stage 1			Transfer to Stage 2			Cure from the Stage 1		Cure from the Stage 2		Derecognition			Acquisition / (Settlement)			Closing balance at 12/31/2018
Individuals		18,989		0			(1,018	)		1,921		7,796		(8,520	)		(1,121	)		18,047
Credit card		4,313		0			(60	)		471		2,794		(3,155	)		176			4,539
Personal loans		11,897		0			(611	)		908		2,970		(3,724	)		(449	)		10,991
Payroll loans		1,868		0			(131	)		431		1,136		(1,336	)		(270	)		1,698
Vehicles		628		0			(65	)		104		598		(283	)		(437	)		545
Mortgage loans		283		0			(151	)		7		298		(22	)		(141	)		274
Corporate		12,372		(113	)		(1,347	)		137		1,032		(1,172	)		(1,204	)		9,705
Small and medium businesses		7,157		(22	)		(505	)		742		1,610		(2,471	)		(673	)		5,838
Foreign loans - Latin America		5,921		(132	)		(1,002	)		1,261		3,025		(1,384	)		(1,708	)		5,981

Total		44,439		(267	)		(3,872	)		4,061		13,463		(13,547	)		(4,706	)		39,571


Consolidated 3 Stages	Beginning balance at 12/31/2017		Derecognition			Acquisition / (Settlement)			Closing balance at 12/31/2018
Individuals		193,385		(8,520	)		27,699			212,564
Credit card		67,413		(3,155	)		13,997			78,255
Personal loans		27,295		(3,724	)		5,972			29,543
Payroll loans		44,716		(1,336	)		3,498			46,878
Vehicles		14,165		(283	)		2,038			15,920
Mortgage loans		39,796		(22	)		2,194			41,968
Corporate		107,647		(1,172	)		(3,832	)		102,643
Small and medium businesses		60,290		(2,471	)		10,993			68,812
Foreign loans - Latin America		136,397		(1,384	)		17,059			152,072

Total		497,719		(13,547	)		51,919			536,091

Reconciliation of gross portfolio of Loan Operations and Lease Operations, segregated by stages:


Stage 1	Beginning balance at 12/31/2016		Transfer to Stage 2			Transfer to Stage 3			Cure from the Stage 2		Cure from the Stage 3		Derecognition		Acquisition / (Settlement)			Closing balance at 12/31/2017
Individuals		151,645		(3,925	)		(2,346	)		2,747		72		—		13,171			161,364
Credit card		48,772		(1,191	)		(176	)		1,513		10		—		8,145			57,073
Personal loans		11,068		(621	)		(907	)		313		6		—		2,431			12,290
Payroll loans		42,360		(412	)		(866	)		225		33		—		775			42,115
Vehicles		13,482		(733	)		(338	)		211		9		—		(81	)		12,550
Mortgage loans		35,963		(968	)		(59	)		485		14		—		1,901			37,336
Corporate		104,359		(884	)		(731	)		894		4		—		(12,200	)		91,442
Small and medium businesses		43,047		(1,599	)		(701	)		901		10		—		5,474			47,132
Foreign loans - Latin America		113,441		(5,913	)		(1,589	)		1,501		74		—		9,934			117,448

Total		412,492		(12,321	)		(5,367	)		6,043		160		—		16,379			417,386


Stage 2	Beginning balance at 12/31/2016		Transfer to Stage 1			Transfer to Stage 3			Cure from the Stage 1		Cure from the Stage 3		Derecognition		Acquisition / (Settlement)			Closing balance at 12/31/2017
Individuals		14,248		(2,747	)		(2,282	)		3,925		665		—		(777	)		13,032
Credit card		6,634		(1,513	)		(722	)		1,191		12		—		425			6,027
Personal loans		3,534		(313	)		(872	)		621		515		—		(377	)		3,108
Payroll loans		771		(225	)		(241	)		412		44		—		(28	)		733
Vehicles		1,269		(211	)		(297	)		733		39		—		(546	)		987
Mortgage loans		2,040		(485	)		(150	)		968		55		—		(251	)		2,177
Corporate		5,877		(894	)		(434	)		884		90		—		(1,690	)		3,833
Small and medium businesses		7,815		(901	)		(946	)		1,599		428		—		(1,994	)		6,001
Foreign loans - Latin America		8,964		(1,501	)		(1,246	)		5,913		134		—		764			13,028

Total		36,904		(6,043	)		(4,908	)		12,321		1,317		—		(3,697	)		35,894


Stage 3	Beginning balance at 12/31/2016		Transfer to Stage 1			Transfer to Stage 2			Cure from the Stage 1		Cure from the Stage 2		Derecognition			Acquisition/ (Settlement)			Closing balance at 12/31/2017
Individuals		20,574		(72	)		(665	)		2,346		2,282		(10,728	)		5,252			18,989
Credit card		4,457		(10	)		(12	)		176		722		(3,891	)		2,871			4,313
Personal loans		13,328		(6	)		(515	)		907		872		(5,190	)		2,501			11,897
Payroll loans		1,729		(33	)		(44	)		866		241		(1,177	)		286			1,868
Vehicles		815		(9	)		(39	)		338		297		(433	)		(341	)		628
Mortgage loans		245		(14	)		(55	)		59		150		(37	)		(65	)		283
Corporate		11,525		(4	)		(90	)		731		434		(956	)		732			12,372
Small and medium businesses		8,985		(10	)		(428	)		701		946		(3,648	)		611			7,157
Foreign loans - Latin America		4,371		(74	)		(134	)		1,589		1,246		(1,105	)		28			5,921

Total		45,455		(160	)		(1,317	)		5,367		4,908		(16,437	)		6,623			44,439


Consolidated 3 Stages											Beginning balance at 12/31/2016		Derecognition			Acquisition/ (Settlement)			Closing balance at 12/31/2017
Individuals												186,467		(10,728	)		17,646			193,385
Credit card												59,863		(3,891	)		11,441			67,413
Personal loans												27,930		(5,190	)		4,555			27,295
Payroll loans												44,860		(1,177	)		1,033			44,716
Vehicles												15,566		(433	)		(968	)		14,165
Mortgage loans												38,248		(37	)		1,585			39,796
Corporate												121,761		(956	)		(13,158	)		107,647
Small and medium businesses												59,847		(3,648	)		4,091			60,290
Foreign loans - Latin America												126,776		(1,105	)		10,726			136,397

Total												494,851		(16,437	)		19,305			497,719

Summary of Reconciliation of Expected Loan Losses for Loan Operations and Lease Operations

Reconciliation of expected loan losses for Loan operations and lease operations, segregated by stages:


Stage 1	Beginning balance at 01/01/2018			Transfer to Stage 2		Transfer to Stage 3		Cure from the Stage 2			Cure from the Stage 3			Derecognition		Net increase/ (Reversal)			Closing balance at 12/31/2018
Individuals		(3,834	)		708		313		(388	)		0			0		(691	)		(3,892	)
Credit card		(2,135	)		303		70		(246	)		0			0		7			(2,001	)
Personal loans		(759	)		250		153		(39	)		0			0		(568	)		(963	)
Payroll loans		(805	)		98		82		(79	)		0			0		(73	)		(777	)
Vehicles		(123	)		55		8		(16	)		0			0		(65	)		(141	)
Mortgage loans		(12	)		2		0		(8	)		0			0		8			(10	)
Corporate		(451	)		7		1		(259	)		(85	)		0		256			(531	)
Small and medium businesses		(1,149	)		213		75		(177	)		(4	)		0		(70	)		(1,112	)
Foreign loans - Latin America		(1,013	)		142		20		(659	)		(45	)		0		159			(1,396	)

Total		(6,447	)		1,070		409		(1,483	)		(134	)		0		(346	)		(6,931	)

Stage 2	Beginning balance at 01/01/2018			Transfer to Stage 1		Transfer to Stage 3		Cure from the Stage 1			Cure from the Stage 3			Derecognition		Net increase / (Reversal)			Closing balance at 12/31/2018
Individuals		(2,209	)		388		3,258		(708	)		(145	)		0		(2,700	)		(2,116	)
Credit card		(1,261	)		246		1,309		(303	)		(29	)		0		(1,048	)		(1,086	)
Personal loans		(567	)		39		1,194		(250	)		(78	)		0		(1,013	)		(675	)
Payroll loans		(262	)		79		628		(98	)		(13	)		0		(577	)		(243	)
Vehicles		(108	)		16		113		(55	)		(16	)		0		(44	)		(94	)
Mortgage loans		(11	)		8		14		(2	)		(9	)		0		(18	)		(18	)
Corporate		(1,174	)		259		193		(7	)		(147	)		0		281			(595	)
Small and medium businesses		(701	)		177		430		(213	)		(195	)		0		(55	)		(557	)
Foreign loans - Latin America		(1,223	)		659		406		(142	)		(405	)		0		(478	)		(1,183	)

Total		(5,307	)		1,483		4,287		(1,070	)		(892	)		0		(2,952	)		(4,451	)


Stage 3	Beginning balance at 01/01/2018			Transfer to Stage 1		Transfer to Stage 2		Cure from the Stage 1			Cure from the Stage 2			Derecognition		Net increase / (Reversal)			Closing balance at 12/31/2018
Individuals		(8,787	)		0		145		(313	)		(3,258	)		8,520		(4,724	)		(8,417	)
Credit card		(3,288	)		0		29		(70	)		(1,309	)		3,155		(1,507	)		(2,990	)
Personal loans		(3,812	)		0		78		(153	)		(1,194	)		3,724		(2,452	)		(3,809	)
Payroll loans		(1,301	)		0		13		(82	)		(628	)		1,336		(597	)		(1,259	)
Vehicles		(316	)		0		16		(8	)		(113	)		283		(150	)		(288	)
Mortgage loans		(70	)		0		9		0			(14	)		22		(18	)		(71	)
Corporate		(9,827	)		85		147		(1	)		(193	)		1,172		376			(8,241	)
Small and medium businesses		(3,554	)		4		195		(75	)		(430	)		2,471		(1,474	)		(2,863	)
Foreign loans - Latin America		(2,547	)		45		405		(20	)		(406	)		1,384		(1,467	)		(2,606	)

Total		(24,715	)		134		892		(409	)		(4,287	)		13,547		(7,289	)		(22,127	)


Consolidated 3 Stages											Beginning balance at 01/01/2018			Derecognition		Net increase / (Reversal) ⁽¹⁾			Closing balance at 12/31/2018 ⁽²⁾
Individuals												(14,830	)		8,520		(8,115	)		(14,425	)
Credit card												(6,684	)		3,155		(2,548	)		(6,077	)
Personal loans												(5,138	)		3,724		(4,033	)		(5,447	)
Payroll loans												(2,368	)		1,336		(1,247	)		(2,279	)
Vehicles												(547	)		283		(259	)		(523	)
Mortgage loans												(93	)		22		(28	)		(99	)
Corporate												(11,452	)		1,172		913			(9,367	)
Small and medium businesses												(5,404	)		2,471		(1,599	)		(4,532	)
Foreign loans - Latin America												(4,783	)		1,384		(1,786	)		(5,185	)

Total												(36,469	)		13,547		(10,587	)		(33,509	)

(1)

Change in macroeconomic scenarios used gave rise, in the fourth quarter, the recognition of a provision for Expected Loss in the amount of R$ 41.

(2)

Comprises Expected Loan Losses for Financial Guarantees Pledged R$ (1,191) (R$ (1,907) at 01/01/2018) and Commitments to be Released R$ (2,601) (R$ (3,015) at 01/01/2018).

Reconciliation of expected loan losses for Loan operations and lease operations, segregated by stages:


Stage 1	Beginning balance at 01/01/2017			Transfer to Stage 2		Transfer to Stage 3		Cure from the Stage 2			Cure from the Stage 3			Derecognition		Net increase / (Reversal)			Closing balance at 12/31/2017
Individuals		(3,352	)		107		118		(220	)		(22	)		—		(465	)		(3,834	)
Credit card		(1,685	)		50		21		(135	)		(6	)		—		(380	)		(2,135	)
Personal loans		(733	)		29		56		(24	)		(9	)		—		(78	)		(759	)
Payroll loans		(787	)		12		33		(40	)		(4	)		—		(19	)		(805	)
Vehicles		(135	)		15		8		(16	)		(2	)		—		7			(123	)
Mortgage loans		(12	)		1		—		(5	)		(1	)		—		5			(12	)
Corporate		(616	)		7		6		(104	)		(23	)		—		279			(451	)
Small and medium businesses		(1,016	)		51		29		(79	)		(6	)		—		(128	)		(1,149	)
Foreign loans - Latin America		(702	)		97		31		(66	)		(50	)		—		(323	)		(1,013	)

Total		(5,686	)		262		184		(469	)		(101	)		—		(637	)		(6,447	)


Stage 2	Beginning balance at 01/01/2017			Transfer to Stage 1		Transfer to Stage 3		Cure from the Stage 1			Cure from the Stage 3			Derecognition		Net increase / (Reversal)			Closing balance at 12/31/2017
Individuals		(2,232	)		220		721		(107	)		(112	)		—		(699	)		(2,209	)
Credit card		(1,145	)		135		293		(50	)		(5	)		—		(489	)		(1,261	)
Personal loans		(662	)		24		261		(29	)		(57	)		—		(104	)		(567	)
Payroll loans		(251	)		40		121		(12	)		(27	)		—		(133	)		(262	)
Vehicles		(147	)		16		43		(15	)		(14	)		—		9			(108	)
Mortgage loans		(27	)		5		3		(1	)		(9	)		—		18			(11	)
Corporate		(1,501	)		104		89		(7	)		(36	)		—		177			(1,174	)
Small and medium businesses		(898	)		79		182		(51	)		(153	)		—		140			(701	)
Foreign loans - Latin America		(471	)		66		124		(97	)		(55	)		—		(790	)		(1,223	)

Total		(5,102	)		469		1,116		(262	)		(356	)		—		(1,172	)		(5,307	)


Stage 3	Beginning balance at 01/01/2017			Transfer to Stage 1		Transfer to Stage 2		Cure from the Stage 1			Cure from the Stage 2			Derecognition		Net increase / (Reversal)			Closing balance at 12/31/2017
Individuals		(9,206	)		22		112		(118	)		(721	)		10,728		(9,604	)		(8,787	)
Credit card		(2,863	)		6		5		(21	)		(293	)		3,891		(4,013	)		(3,288	)
Personal loans		(4,643	)		9		57		(56	)		(261	)		5,190		(4,108	)		(3,812	)
Payroll loans		(1,246	)		4		27		(33	)		(121	)		1,177		(1,109	)		(1,301	)
Vehicles		(393	)		2		14		(8	)		(43	)		433		(321	)		(316	)
Mortgage loans		(61	)		1		9		—			(3	)		37		(53	)		(70	)
Corporate		(8,972	)		23		36		(6	)		(89	)		956		(1,775	)		(9,827	)
Small and medium businesses		(4,452	)		6		153		(29	)		(182	)		3,648		(2,698	)		(3,554	)
Foreign loans - Latin America		(1,107	)		50		55		(31	)		(124	)		1,105		(2,495	)		(2,547	)

Total		(23,737	)		101		356		(184	)		(1,116	)		16,437		(16,572	)		(24,715	)

Consolidated 3 Stages											Beginning balance at 01/01/2017			Derecognition		Net increase / (Reversal)			Closing balance at 12/31/2017 ^(*)
Individuals												(14,790	)		10,728		(10,768	)		(14,830	)
Credit card												(5,693	)		3,891		(4,882	)		(6,684	)
Personal loans												(6,038	)		5,190		(4,290	)		(5,138	)
Payroll loans												(2,284	)		1,177		(1,261	)		(2,368	)
Vehicles												(675	)		433		(305	)		(547	)
Mortgage loans												(100	)		37		(30	)		(93	)
Corporate												(11,089	)		956		(1,319	)		(11,452	)
Small and medium businesses												(6,366	)		3,648		(2,686	)		(5,404	)
Foreign loans - Latin America												(2,280	)		1,105		(3,608	)		(4,783	)

Total												(34,525	)		16,437		(18,381	)		(36,469	)

(*)

Comprises Expected Loan Losses for Financial Guarantees Pledged R$ (1,907) (R$ (1,580) at 01/01/2017) and Commitments to be Released R$ (3,015) (R$ (2,691) at 01/01/2017).

Reconciliation of expected loan losses for Loan operations and lease operations, segregated by stages:


Stage 1	Beginning balance at 01/01/2016			Transfer to Stage 2		Transfer to Stage 3		Cure from the Stage 2			Cure from the Stage 3			Derecognition		Net increase / (Reversal)			Closing balance at 12/31/2016
Individuals		(4,035	)		161		1,387		(188	)		(104	)		—		(573	)		(3,352	)
Credit card		(2,096	)		32		761		(37	)		(4	)		—		(341	)		(1,685	)
Personal loans		(886	)		76		337		(82	)		(66	)		—		(112	)		(733	)
Payroll loans		(811	)		38		221		(21	)		(15	)		—		(199	)		(787	)
Vehicles		(230	)		15		67		(40	)		(13	)		—		66			(135	)
Mortgage loans		(12	)		—		1		(8	)		(6	)		—		13			(12	)
Corporate		(2,826	)		136		355		(172	)		—			—		1,891			(616	)
Small and medium businesses		(2,033	)		115		603		(170	)		(121	)		—		590			(1,016	)
Foreign loans - Latin America		(438	)		6		254		(108	)		(7	)		—		(409	)		(702	)

Total		(9,332	)		418		2,599		(638	)		(232	)		—		1,499			(5,686	)


Stage 2	Beginning balance at 01/01/2016			Transfer to Stage 1		Transfer to Stage 3		Cure from the Stage 1			Cure from the Stage 3			Derecognition		Net increase / (Reversal)			Closing balance at 12/31/2016
Individuals		(1,907	)		188		860		(161	)		(6,528	)		—		5,316			(2,232	)
Credit card		(797	)		37		418		(32	)		(2,403	)		—		1,632			(1,145	)
Personal loans		(718	)		82		329		(76	)		(2,881	)		—		2,602			(662	)
Payroll loans		(221	)		21		54		(38	)		(913	)		—		846			(251	)
Vehicles		(155	)		40		55		(15	)		(309	)		—		237			(147	)
Mortgage loans		(16	)		8		4		—			(22	)		—		(1	)		(27	)
Corporate		(2,078	)		172		684		(136	)		(1,558	)		—		1,415			(1,501	)
Small and medium businesses		(721	)		170		287		(115	)		(3,037	)		—		2,518			(898	)
Foreign loans - Latin America		(281	)		108		92		(6	)		(190	)		—		(194	)		(471	)

Total		(4,987	)		638		1,923		(418	)		(11,313	)		—		9,055			(5,102	)

Stage 3	Beginning balance at 01/01/2016			Transfer to Stage 1		Transfer to Stage 2		Cure from the Stage 1			Cure from the Stage 2			Derecognition		Net increase / (Reversal)			Closing balance at 12/31/2016
Individuals		(9,697	)		103		6,528		(1,387	)		(860	)		12,103		(15,996	)		(9,206	)
Credit card		(3,158	)		4		2,403		(761	)		(418	)		4,641		(5,574	)		(2,863	)
Personal loans		(4,850	)		66		2,881		(337	)		(329	)		5,592		(7,666	)		(4,643	)
Payroll loans		(1,074	)		15		913		(221	)		(54	)		1,151		(1,976	)		(1,246	)
Vehicles		(565	)		13		309		(67	)		(55	)		671		(699	)		(393	)
Mortgage loans		(50	)		5		22		(1	)		(4	)		48		(81	)		(61	)
Corporate		(3,155	)		—		1,558		(355	)		(684	)		2,995		(9,331	)		(8,972	)
Small and medium businesses		(4,462	)		121		3,037		(603	)		(287	)		3,862		(6,120	)		(4,452	)
Foreign loans - Latin America		(400	)		7		190		(254	)		(92	)		1,014		(1,572	)		(1,107	)

Total		(17,714	)		231		11,313		(2,599	)		(1,923	)		19,974		(33,019	)		(23,737	)


Consolidated 3 Stages											Beginning balance at 01/01/2016			Derecognition		Net increase / (Reversal)			Closing balance at 12/31/2016 ^(*)
Individuals												(15,639	)		12,103		(11,254	)		(14,790	)
Credit card												(6,051	)		4,641		(4,283	)		(5,693	)
Personal loans												(6,454	)		5,592		(5,176	)		(6,038	)
Payroll loans												(2,106	)		1,151		(1,329	)		(2,284	)
Vehicles												(950	)		671		(396	)		(675	)
Mortgage loans												(78	)		48		(70	)		(100	)
Corporate												(8,059	)		2,995		(6,025	)		(11,089	)
Small and medium businesses												(7,216	)		3,862		(3,012	)		(6,366	)
Foreign loans - Latin America												(1,119	)		1,014		(2,175	)		(2,280	)

Total												(32,033	)		19,974		(22,466	)		(34,525	)

(*)

Comprises Expected Loan Losses for Financial Guarantees Pledged R$ (1,580) and Commitments to be Released R$ (2,691).

Summary of Analysis of Present Value of Minimum Future Payments Receivable From Finance Leases by Maturity

Below is the analysis of the present value of the future minimum payments receivable from Finance Leases by maturity: The portfolio is composed of lease of vehicles, machines, equipment and real estate contracted in by individuals and legal entities in Brazil and abroad:


	12/31/2018
	Minimum future		Future financial			Present
	payments		income			value
Current		2,007		(708	)		1,299
Up to 1 year		2,007		(708	)		1,299
Non-current		8,518		(2,265	)		6,253
From 1 to 5 years		4,390		(2,038	)		2,352
Over 5 years		4,128		(227	)		3,901

Total		10,525		(2,973	)		7,552


	12/31/2017
	Minimum future		Future financial			Present
	payments		income			value
Current		3,292		(1,898	)		1,394
Up to 1 year		3,292		(1,898	)		1,394
Non-current		9,223		(2,859	)		6,364
From 1 to 5 years		5,334		(2,803	)		2,531
Over 5 years		3,889		(56	)		3,833

Total		12,515		(4,757	)		7,758

Summary Securitization or Transfer of Financial Assets


	12/31/2018								12/31/2017
	Assets				*Liabilities ^()**				Assets				*Liabilities ^()**
Nature of operation	Book value		Fair value		Book value		Fair value		Book value		Fair value		Book value		Fair value
Mortgage loan		1,941		1,925		1,939		1,920		2,460		2,405		2,453		2,390
Working capital		2,140		2,140		2,128		2,128		2,651		2,651		2,570		2,570
Other		0		0		4		4		—		—		6		6

Total		4,081		4,065		4,071		4,052		5,111		5,056		5,029		4,966

(*)

Under Interbank Market Debt.