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Risk and Capital Management (Tables)

12 Months Ended

Dec. 31, 2018

Text block1 [abstract]

Summary of Credit Risk Exposure

		12/31/2018												12/31/2017
		Brazil				Abroad				Total				Brazil				Abroad				Total
Financial Assets			1,027,193				303,535				1,330,728				967,703				263,711				1,231,414
At Amortized Cost			756,993				237,766				994,759				702,672				203,057				905,729
Interbank deposits			6,239				20,181				26,420				6,367				22,681				29,048
Securities purchased under agreements to resell			279,353				783				280,136				243,917				790				244,707
Securities			90,234				20,161				110,395				101,365				10,059				111,424
Loan operations and lease operations(*)			345,501				190,590				536,091				327,501				170,218				497,719
Other financial assets			61,875				13,215				75,090				53,787				5,781				59,568
(-) Provision for Expected Loss			(26,209	)			(7,164	)			(33,373	)			(30,265	)			(6,472	)			(36,737	)
At Fair Value Through Other Comprehensive Income			9,089				40,234				49,323				14,722				37,427				52,149
Securities			9,089				40,234				49,323				14,722				37,427				52,149
At Fair Value Through Profit or Loss			261,111				25,535				286,646				250,309				23,227				273,536
Securities			252,819				10,361				263,180				238,200				12,493				250,693
Derivatives			8,292				15,174				23,466				12,109				10,734				22,843
Financial liabilities - provision for expected loss			3,355				437				3,792				4,513				409				4,922
Loan Commitments			2,289				312				2,601				2,681				334				3,015
Financial Guarantees			1,066				125				1,191				1,832				75				1,907
Off balance sheet			300,522				49,173				349,695				280,032				43,797				323,829
Financial Guarantees			53,443				12,662				66,105				60,062				10,427				70,489
Letters of credit to be released			10,747				0				10,747				9,214				—				9,214
Loan commitments			236,332				36,511				272,843				210,756				33,370				244,126
Mortgage loans			3,403				0				3,403				3,218				—				3,218
Overdraft accounts			110,454				0				110,454				93,284				—				93,284
Credit cards			120,862				2,961				123,823				109,196				2,679				111,875
Other pre-approved limits			1,613				33,550				35,163				5,058				30,691				35,749
Total			1,324,360				352,271				1,676,631				1,243,222				307,099				1,550,321

(*) In the composition of balance there are operations designated at Fair Value Through Profit or Loss, in the amount of R$ 102 at 12/31/2017.

Summary of Maximum Exposure of Financial Assets Segregated by Business Sector

Loan Operations and Lease Operations

		12/31/2018				%				12/31/2017				%
Industry and commerce			115,225				21.5				107,201				21.5
Services			118,435				22.1				114,332				23.0
Other sectors			30,440				5.7				29,047				5.8
Individuals			271,991				50.7				247,139				49.7
Total			536,091				100.0				497,719				100.0

Other financial assets ^(*)

		12/31/2018				%				12/31/2017				%
Public sector			330,730				43.9				327,932				46.5
Services			92,562				12.3				84,191				11.9
Other sectors			23,072				3.1				19,804				2.8
Financial			306,556				40.7				273,747				38.8
Total			752,920				100.0				705,674				100.0

(*) Includes Financial Assets at Fair Value through Profit and Loss, Financial Assets at Fair Value through Other Comprehensive Income and Financial Assets at Amortized Cost, except for loan and finance lease operations.

Summary of Breakdown of Indicators of Credit Quality

Operations and lease operations

		12/31/2018
		Stage 1																				Stage 2																				Stage 3																				Total Consolidated of 3 stages
		Loan Operations					Loan commitments					Financial Guarantees					Total					Loan Operations					Loan commitments					Financial Guarantees					Total					Loan Operations					Loan commitments					Financial Guarantees					Total					Loan Operations (*)					Loan commitments					Financial Guarantees					Total
Individuals				177,488					174,666					1,014					353,168					17,029					6,784					—					23,813					18,047					687					—					18,734					212,564					182,137					1,014					395,715
Credit card				65,227					110,435					—					175,662					8,489					5,719					—					14,208					4,539					594					—					5,133					78,255					116,748					—					195,003
Personal loans				14,125					64,201					1,014					79,340					4,427					1,064					—					5,491					10,991					93					—					11,084					29,543					65,358					1,014					95,915
Payroll loans				44,156					—					—					44,156					1,024					—					—					1,024					1,698					—					—					1,698					46,878					—					—					46,878
Vehicles				14,353					—					—					14,353					1,022					—					—					1,022					545					—					—					545					15,920					—					—					15,920
Mortgage loans				39,627					30					—					39,657					2,067					1					—					2,068					274					—					—					274					41,968					31					—					41,999
Corporate				90,716					16,054					45,361					152,131					2,222					83					1,681					3,986					9,705					143					4,148					13,996					102,643					16,280					51,190					170,113
Small and medium businesses				57,099					40,105					2,472					99,676					5,875					1,834					69					7,778					5,838					185					94					6,117					68,812					42,124					2,635					113,571
Foreign loans - Latin America				134,323					29,090					10,842					174,255					11,768					2,969					395					15,132					5,981					243					29					6,253					152,072					32,302					11,266					195,640
Total				459,626					259,915					59,689					779,230					36,894					11,670					2,145					50,709					39,571					1,258					4,271					45,100					536,091					272,843					66,105					875,039
%				59.0	%				33.3	%				7.7	%				100.0	%				72.8	%				23.0	%				4.2	%				100.0	%				87.7	%				2.8	%				9.5	%				100.0	%				61.3	%				31.1	%				7.6	%				100.0	%
		12/31/2017
		Stage 1																				Stage 2																				Stage 3																				Total Consolidated of 3 stages
		Loan Operations					Loan commitments					Financial Guarantees					Total					Loan Operations					Loan commitments					Financial Guarantees					Total					Loan Operations					Loan commitments					Financial Guarantees					Total					Loan Operations (*)					Loan commitments					Financial Guarantees					Total
Individuals				161,364					159,533					1,016					321,913					13,032					4,420					—					17,452					18,989					776					—					19,765					193,385					164,729					1,016					359,130
Credit card				57,073					102,180					—					159,253					6,027					3,353					—					9,380					4,313					697					—					5,010					67,413					106,230					—					173,643
Personal loans				12,290					57,339					1,016					70,645					3,108					1,065					—					4,173					11,897					79					—					11,976					27,295					58,483					1,016					86,794
Payroll loans				42,115					—					—					42,115					733					—					—					733					1,868					—					—					1,868					44,716					—					—					44,716
Vehicles				12,550					—					—					12,550					987					—					—					987					628					—					—					628					14,165					—					—					14,165
Mortgage loans				37,336					14					—					37,350					2,177					2					—					2,179					283					—					—					283					39,796					16					—					39,812
Corporate				91,442					14,100					50,811					156,353					3,833					278					1,299					5,410					12,372					390					5,538					18,300					107,647					14,768					57,648					180,063
Small and medium businesses				47,132					33,203					2,229					82,564					6,001					1,638					74					7,713					7,157					254					54					7,465					60,290					35,095					2,357					97,742
Foreign loans - Latin America				117,448					25,867					9,069					152,384					13,028					3,527					371					16,926					5,921					140					28					6,089					136,397					29,534					9,468					175,399
Total				417,386					232,703					63,125					713,214					35,894					9,863					1,744					47,501					44,439					1,560					5,620					51,619					497,719					244,126					70,489					812,334
%				58.5	%				32.6	%				8.9	%				100.0	%				75.5	%				20.8	%				3.7	%				100.0	%				86.1	%				3.0	%				10.9	%				100.0	%				61.2	%				30.1	%				8.7	%				100.0	%

(*) In the composition of balance there are operations designated at Fair Value Through Profit or Loss, in the amount of R$ 102 at 12/31/2017.

Summary of Internal Rating

		12/31/2018																12/31/2017
Internal Rating		Stage 1				Stage 2				Stage 3				Total loans				Stage 1				Stage 2				Stage 3				Total loans
Lower Risk			378,389				4,536				—				382,925				349,354				5,274				—				354,628
Satisfactory			72,921				19,723				—				92,644				60,707				17,798				—				78,505
Higher Risk			8,316				12,635				—				20,951				7,325				12,822				—				20,147
Credit-lmpaired			—				—				39,571				39,571				—				—				44,439				44,439
Total			459,626				36,894				39,571				536,091				417,386				35,894				44,439				497,719
%			85.7				6.9				7.4				100.0				83.9				7.2				8.9				100.0

Maximum Exposure of Other Financial Assets by Type and Classification of Credit Risk

Other financial assets

		12/31/2018
		Fair Value				Stage 1								Stage 2								Stage 3
						Cost				Fair Value				Cost				Fair Value				Cost				Fair Value
Investment funds			4,326				4,335				4,129				0				0				918				197
Government securities			327,720				325,734				327,546				232				174				0				0
Brazilian government			300,172				298,084				299,998				232				174				0				0
Other Public			0				36				0				0				0				0				0
Other countries			27,548				27,614				27,548				0				0				0				0
Argentina			1,129				1,121				1,129				0				0				0				0
United States			2,754				2,770				2,754				0				0				0				0
Mexico			2,378				2,378				2,378				0				0				0				0
Italy			115				115				115				0				0				0				0
Spain			2,411				2,411				2,411				0				0				0				0
Korea			1,385				1,385				1,385				0				0				0				0
Chile			8,211				8,204				8,211				0				0				0				0
Paraguay			1,530				1,602				1,530				0				0				0				0
Uruguay			652				656				652				0				0				0				0
Colombia			6,065				6,054				6,065				0				0				0				0
France			891				891				891				0				0				0				0
Germany			22				22				22				0				0				0				0
Other			5				5				5				0				0				0				0
Corporate securities			87,206				82,438				82,301				3,908				2,937				4,957				1,968
Rural product note			4,003				3,855				3,848				0				0				326				155
Securitized real estate loans			10,926				10,419				10,436				55				55				793				435
Bank deposit certificate			2,145				2,145				2,145				0				0				0				0
Debentures			30,950				27,306				27,068				3,323				2,557				3,563				1,325
Eurobonds and other			6,895				6,950				6,895				0				0				0				0
Financial bills			19,724				19,724				19,724				0				0				0				0
Promissory notes			1,490				1,465				1,463				15				15				24				12
Others			11,073				10,574				10,722				515				310				251				41
Total			419,252				412,507				413,976				4,140				3,111				5,875				2,165

		12/31/2017
		Fair Value				Stage 1								Stage 2								Stage 3
						Cost				Fair Value				Cost				Fair Value				Cost				Fair Value
Investment funds			3,513				3,351				3,345				—				—				784				168
Government securities			326,227				324,585				326,031				261				196				—				—
Brazilian government			297,325				295,671				297,129				261				196				—				—
Other countries			28,902				28,914				28,902				—				—				—				—
Argentina			1,466				1,446				1,466				—				—				—				—
United States			1,666				1,684				1,666				—				—				—				—
Mexico			564				564				564				—				—				—				—
Denmark			1,951				1,951				1,951				—				—				—				—
Spain			2,937				2,937				2,937				—				—				—				—
Korea			1,944				1,944				1,944				—				—				—				—
Chile			9,761				9,765				9,761				—				—				—				—
Paraguay			1,807				1,922				1,807				—				—				—				—
Uruguay			828				824				828				—				—				—				—
Colombia			5,945				5,844				5,945				—				—				—				—
Other			33				33				33				—				—				—				—
Corporate securities			79,344				75,240				75,486				1,510				1,109				7,857				2,749
Rural product note			2,739				2,518				2,511				—				—				381				228
Securitized real estate loans			13,577				12,492				12,501				64				59				3,062				1,017
Bank deposit certificate			1,150				1,150				1,150				—				—				—				—
Debentures			23,758				21,584				21,569				1,255				969				3,892				1,220
Eurobonds and other			6,192				6,195				6,192				—				—				—				—
Financial bills			21,230				21,230				21,230				—				—				—				—
Promissory notes			3,614				3,597				3,596				—				—				40				18
Others			7,084				6,474				6,737				191				81				482				266
Total			409,084				403,176				404,862				1,771				1,305				8,641				2,917

Summary of Financial Assets Individually Evaluated Classified by Rating

Other Financial Assets - Internal Classification by Level of Risk

		12/31/2018
		Financial Assets - At Amortized Cost
Internal rating		Interbank deposits and securities purchased under agreements to resell				Securities				Financial assets at fair value through profit or loss at fair value (*)				Financial Assets Fair Value Through Other Comprehensive Income				Total
Lower risk			306,556				103,157				284,896				49,323				743,932
Satisfactory			0				3,645				1,340				0				4,985
Higher risk			0				3,593				410				0				4,003
Total			306,556				110,395				286,646				49,323				752,920
%			40.6				14.7				38.1				6.6				100.0

(*) Includes Derivatives in the amount of R$ 23,466 at 12/31/2018.

		12/31/2017
		Financial Assets - At Amortized Cost
Internal rating		Interbank deposits and securities purchased under agreements to resell				Securities				Financial assets at fair value through profit or loss at fair value (*)				Financial Assets Fair Value Through Other Comprehensive Income				Total
Lower risk			273,747				104,610				271,859				52,149				702,365
Satisfactory			—				338				1,278				—				1,616
Higher Risk			—				1,294				399				—				1,693
Total			273,747				106,242				273,536				52,149				705,674
%			38.7				15.1				38.8				7.4				100.0

(*) Includes Derivatives in the amount of R$ 22,843 at 12/31/2017.

Summary of Collateral Held for Loan and Lease Operations Portfolio

Collateral held for loan and lease operations portfolio

		12/31/2018																12/31/2017
		Over-collateralized assets								Under-collateralized assets								Over-collateralized assets								Under-collateralized assets
		Carrying value of the assets				Fair value of collateral				Carrying value of the assets				Fair value of collateral				Carrying value of the assets				Fair value of collateral				Carrying value of the assets				Fair value of collateral
Individuals			57,842				145,775				1,054				993				52,608				132,007				1,079				1,028
Personal (1)			643				1,949				753				711				370				1,398				901				864
Vehicles (2)			15,173				35,266				298				280				13,618				34,368				177				163
Mortgage loans (3)			42,026				108,560				3				2				38,620				96,241				1				1
Small, medium businesses and corporate (4)			112,508				293,724				13,870				10,267				115,731				339,892				11,032				8,537
Foreign loans - Latin America (4)			117,094				246,462				11,242				3,758				105,425				175,476				10,262				3,598
Total			287,444				685,961				26,166				15,018				273,764				647,375				22,373				13,163

(1) In general requires financial collaterals.

(2) Vehicles themselves are pledged as collateral, as well as assets leased in lease operations.

(3) Properties themselves are pledged as collateral.

(4) Any collateral set forth in the credit policy of ITAÚ UNIBANCO HOLDING (chattel mortgage, surety/joint debtor, mortgage and others).

Summary of VaR Total - Historical Simulation

(Reais million)
		VaR Total - Historical Simulation
		12/31/2018 (1)																12/31/2017 (1)
		Average				Minimum				Maximum				Var Total				Average				Minimum				Maximum				Var Total
Risk factor group
Interest rates			851.4				720.0				1,042.9				898.4				721.0				583.6				1,311.9				764.7
Currencies			24.7				12.7				45.2				37.3				20.4				6.5				50.2				11.9
Shares			39.2				23.6				58.5				50.1				45.4				38.5				54.9				46.4
Commodities			1.6				0.6				3.1				1.0				1.5				0.7				4.0				0.8
Effect of diversification															(605.3	)															(451.5	)
Total risk			399.3				294.7				603.6				381.5				409.9				304.8				874.0				372.3

(1) VaR by Group of Risk Factors considers information from foreign units.

Summary of Position of Accounts Subject to Interest Rate Risk

The table below shows the accounting position of financial assets and liabilities exposed to interest rate risk, distributed by maturity (remaining contractual terms). This table is not used directly to manage interest rate risks; it is mostly used to permit the assessment of mismatching between accounts and products associated thereto and to identify possible risk concentration.    

		12/31/2018																								12/31/2017
		0-30 days				31-180 days				181-365 days				1-5 years				Over 5 years				Total				0-30 days				31-180 days				181-365 days				1-5 years				Over 5 years				Total
Financial assets			188,616				394,168				100,598				399,075				202,898				1,285,355				268,059				354,885				103,785				392,119				178,592				1,297,440
Central Bank compulsory deposits			88,549				0				0				0				0				88,549				94,047				—				—				—				—				94,047
At amortized cost
Interbank deposits			19,181				4,815				1,730				688				0				26,414				21,644				3,510				2,880				1,011				3				29,048
Securities purchased under agreements to resell			64,677				215,352				0				12				91				280,132				42,612				201,889				2				28				168				244,699
Securities			1,007				7,320				5,792				50,969				41,661				106,749				10,897				7,921				6,834				50,650				29,940				106,242
Loan and lease operations (1)			78,709				140,057				70,792				167,517				79,016				536,091				73,239				120,231				67,463				161,824				74,962				497,719
At fair value through other comprehensive income			1,915				4,743				4,026				21,649				16,990				49,323				1,088				2,476				6,102				23,415				19,068				52,149
At fair value through profit and loss
Securities			19,140				17,810				15,945				154,171				56,114				263,180				16,554				15,855				17,103				147,805				51,630				248,947
Derivatives			3,987				4,071				2,313				4,069				9,026				23,466				7,978				3,003				2,360				6,681				2,821				22,843
Financial liabilities			513,889				88,152				69,102				313,240				69,055				1,053,438				376,492				93,736				87,850				290,677				56,451				905,206
At amortized cost
Deposits			248,913				36,856				22,063				146,288				9,304				463,424				216,842				33,258				23,239				126,886				2,713				402,938
Securities sold under repurchase agreements			254,052				9,713				7,756				40,877				17,839				330,237				208,261				7,362				25,185				57,146				14,680				312,634
Interbank market debts			7,438				33,869				31,869				58,375				3,119				134,670				8,557				34,097				30,727				47,219				3,987				124,587
Institutional market debts			314				3,631				4,579				58,513				26,937				93,974				4,188				16,495				5,343				43,911				28,545				98,482
Capitalization plans			0				0				0				3,422				0				3,422				—				—				—				3,301				—				3,301
At fair value through profit and loss
Derivatives			3,168				4,070				2,815				5,672				11,794				27,519				7,596				2,491				3,325				11,109				2,225				26,746
Structured notes			4				13				20				93				62				192				11				22				22				319				91				465
Difference asset/ liability (2)			(325,273	)			306,016				31,496				85,835				133,843				231,917				(108,433	)			261,149				15,935				101,442				122,141				392,234
Cumulative difference			(325,273	)			(19,257	)			12,239				98,074				231,917				0				(108,433	)			152,716				168,651				270,093				392,234
Ratio of cumulative difference to total interest-bearing assets			(25.3	%)			(1.5	%)			1.0	%			7.6	%			18.0	%			0				(8.4	%)			11.8	%			13.0	%			20.8	%			30.2	%

(1) In the composition of balance there are operations designated at Fair Value Through Profit or Loss, in the amount of R$ 102 at 12/31/2017.    

(2) The difference arises from the mismatch between the maturities of all remunerated assets and liabilities, at the respective period-end date, considering the contractually agreed terms.    

Summary of Position of Accounts Subject to Currency Risk

 Currency risk    

The table below shows the accounting exposure to currency risk of financial assets and liabilities and reflects ITAÚ UNIBANCO HOLDING’s currency risk management.

		12/31/2018
		Dollar				Chilean Peso				Other				Total
Net exposure of financial instruments			(38,190	)			7,647				15,418				(15,125	)

		12/31/2017
		Dollar				Chilean Peso				Other				Total
Net exposure of financial instruments			(15,910	)			7,159				13,232				4,481

Summary of Funding from Clients

		12/31/2018												12/31/2017
Funding from clients		0-30 days				Total				%				0-30 days				Total				%
Deposits			248,913				463,424				0				216,842				402,938
Demand deposits			72,581				72,581				11.2				68,973				68,973				11.1
Savings deposits			136,865				136,865				21.2				119,980				119,980				19.3
Time deposits			37,784				251,300				38.9				27,798				211,800				34.0
Other			1,683				2,678				0.4				91				2,185				0.4
Funds from acceptances and issuance of securities (1)			2,285				111,566				17.3				6,820				107,581				17.3
Funds from own issue (2)			1,831				21,417				3.3				2,570				58,837				9.5
Subordinated debt			2				49,313				7.6				1,315				52,696				8.5
Total			253,031				645,720				100.0				227,547				622,052				100.0

(1) Includes mortgage notes, real estate credit bills, agribusiness, financial and structured operations certificates recorded in interbank market and debts and liabilities for issuance of debentures and foreign borrowing and securities recorded in funds from institutional markets.    

(2) Refer to deposits received under securities repurchase agreements with securities from own issue.

Summary of Liquidity Indicators

The table below shows the indicators used by ITAÚ UNIBANCO HOLDING in the management of liquidity risk:    

Liquidity indicators		12/31/2018 %				12/31/2017 %
Net assets (1) / funds within 30 days (2)			62.7				72.2
Net assets (1) / total funds (3)			24.6				26.4
Net assets (1) / total financial assets (4)			15.8				17.6

(1) Net assets: Cash and deposits on demand, Securities purchased under agreements to resell – Funded position and Government securities - available. Detailed in the table Undiscounted future flows – Financial assets.    

(2) Table Funding from clients (Total Funding from clients 0-30 days).    

(3) Table funding from clients (Total funding from clients).    

(4) Detailed in the table Undiscounted future flows – Financial assets, total present value regards R$ 1,001,240 (R$ 933,686 at 12/31/2017).    

Summary of Assets and Liabilities According to Their Remaining Contractual Maturities, Considering Their Undiscounted Flows

Assets and liabilities according to their remaining contractual maturities, considering their undiscounted flows, are presented below:

Undiscounted future flows, except for derivatives which are fair value		12/31/2018																				12/31/2017
Financial assets(1)		0 - 30 days				31 - 365 days				366 - 720 days				Over 720 days				Total				0 - 30 days				31 - 365 days				366 - 720 days				Over 720 days				Total
Cash and deposits on demand			37,159				0				0				0				37,159				18,749				—				—				—				18,749
Interbank investments			115,278				182,606				468				322				298,674				93,218				173,663				673				508				268,062
Securities purchased under agreements to resell – Funded position (2)			45,335				0				0				0				45,335				38,833				—				—				—				38,833
Securities purchased under agreements to resell – Financed position			50,741				175,857				0				10				226,608				31,238				167,061				—				—				198,299
Interbank deposits (4)			19,202				6,749				468				312				26,731				23,147				6,602				673				508				30,930
Securities			82,144				17,255				17,853				98,531				215,783				110,667				24,960				16,717				76,923				229,267
Government securities - available			72,026				292				292				5,315				77,925				103,447				152				232				5,052				108,883
Government securities – subject to repurchase commitments			52				6,321				12,671				32,811				51,855				203				15,677				9,107				19,270				44,257
Private securities - available			10,066				9,406				4,185				49,003				72,660				7,007				8,577				5,541				45,885				67,010
Private securities – subject to repurchase commitments			0				1,236				705				11,402				13,343				10				554				1,837				6,716				9,117
Derivative financial instruments			3,987				6,384				4,069				9,026				23,466				7,978				5,363				2,756				6,746				22,843
Net position			3,987				6,384				4,069				9,026				23,466				7,978				5,363				2,756				6,746				22,843
Swaps			705				1,132				2,881				8,331				13,049				189				1,258				1,661				6,082				9,190
Option			1,167				1,890				975				183				4,215				430				1,748				865				294				3,337
Forward (onshore)			893				942				0				0				1,835				6,529				382				—				—				6,911
Other derivative financial instruments			1,222				2,420				213				512				4,367				830				1,975				230				370				3,405
Loan and lease operations portfolio (3)			68,829				166,503				88,138				241,919				565,389				57,505				152,660				71,107				201,881				483,153
Total financial assets			307,397				372,748				110,528				349,798				1,140,471				288,117				356,646				91,253				286,058				1,022,074

(1) The assets portfolio does not take into consideration the balance of compulsory deposits in Central Bank, amounting to R$ 94,148 (R$ 98,837 at 12/31/2017), which release of funds is linked to the maturity of the liability portfolios. The amounts of PGBL and VGBL are not considered in the assets portfolio because they are covered in Note 26.    

(2) Net of R$ 5,120 (R$ 3,664 at 12/31/2017) which securities are restricted to guarantee transactions at B3 S.A. - Brasil, Bolsa, Balcão and the BACEN.    

(3) Net of payment to merchants of R$ 60,504 (R$ 53,687 at 12/31/2017) and the amount of liabilities from transactions related to credit assignments R$ 3,993 (R$ 4,931 at 12/31/2017).    

(4) Includes R$ 15,886 (R$ 6,689 at 12/31/2017) related to Compulsory Deposits with Central Banks of other countries.    

Undiscounted future flows, except for derivatives which are fair value		12/31/2018																				12/31/2017
Financial liabilities		0 – 30 days				31 – 365 days				366 – 720 days				Over 720 days				Total				0 – 30 days				31 – 365 days				366 – 720 days				Over 720 days				Total
Deposits			246,729				62,909				16,674				191,131				517,443				222,782				61,672				16,500				152,961				453,915
Demand deposits			72,581				0				0				0				72,581				68,973				—				—				—				68,973
Savings deposits			136,865				0				0				0				136,865				119,980				—				—				—				119,980
Time deposit			35,450				62,185				16,647				190,984				305,266				33,114				60,272				16,445				152,903				262,734
Interbank deposits			1,830				724				27				147				2,728				712				1,400				55				58				2,225
Other deposits			3				0				0				0				3				3				—				—				—				3
Compulsory deposits			(39,116	)			(15,228	)			(3,831	)			(35,973	)			(94,148	)			(40,538	)			(18,197	)			(4,644	)			(35,458	)			(98,837	)
Demand deposits			(5,600	)			0				0				0				(5,600	)			(4,790	)			—				—				—				(4,790	)
Savings deposits			(24,695	)			0				0				0				(24,695	)			(26,008	)			—				—				—				(26,008	)
Time deposit			(8,821	)			(15,228	)			(3,831	)			(35,973	)			(63,853	)			(9,740	)			(18,197	)			(4,644	)			(35,458	)			(68,039	)
Securities sold under repurchase agreements (1)			275,395				16,557				10,933				42,349				345,234				232,970				35,234				30,404				39,444				338,052
Government securities			232,776				2,856				7,353				38,752				281,737				202,545				3,197				8,260				27,680				241,682
Private securities			10,910				13,701				3,580				3,597				31,788				8,020				31,348				22,144				11,764				73,276
Foreign			31,709				0				0				0				31,709				22,405				689				—				—				23,094
Funds from acceptances and issuance of securities (2)			2,189				32,950				39,077				53,626				127,842				7,093				43,463				21,325				52,837				124,718
Borrowing and onlending (3)			6,304				45,668				11,541				11,840				75,353				3,975				37,132				9,839				19,807				70,753
Subordinated debt (4)			154				2,658				6,264				52,453				61,529				1,061				13,402				2,054				49,454				65,971
Derivative financial instruments			3,168				6,885				5,672				11,794				27,519				7,596				5,816				4,877				8,457				26,746
Net position			3,168				6,885				5,672				11,794				27,519				7,596				5,816				4,877				8,457				26,746
Swaps			923				3,002				4,687				10,742				19,354				65				2,364				3,747				7,516				13,692
Option			883				1,935				823				288				3,929				332				1,299				889				273				2,793
Forward (onshore)			470				0				0				0				470				6,272				—				—				—				6,272
Other derivative financial instruments			892				1,948				162				764				3,766				927				2,153				241				668				3,989
Total financial liabilities			494,823				152,399				86,330				327,220				1,060,772				434,939				178,522				80,355				287,502				981,318

(1) Includes own and third parties’ portfolios.    

(2) Includes mortgage notes, real estate credit bills, agribusiness, financial bills and structured operations certificates recorded in interbank market funds and liabilities for issuance of debentures and foreign securities recorded in funds from institutional markets.    

(3) Recorded in funds from interbank markets.    

(4) Recorded in funds from institutional markets.

Summary of Off Balance Sheet

		12/31/2018																				12/31/2017
Off balance sheet		0 – 30 days				31 – 365 days				366 – 720 days				Over 720 days				Total				0 – 30 days				31 – 365 days				366 – 720 days				Over 720 days				Total
Financial Guarantees			1,305				17,314				5,509				41,977				66,105				1,749				17,563				5,451				45,726				70,489
Commitments to be released			110,909				25,977				5,796				130,161				272,843				98,310				27,857				7,307				110,652				244,126
Letters of credit to be released			10,747				0				0				0				10,747				9,214				—				—				—				9,214
Contractual commitments - Fixed assets and Intangible (Notes 13 and 14)			0				405				273				0				678				—				432				460				273				1,165
Total			122,961				43,696				11,578				172,138				350,373				109,273				45,852				13,218				156,651				324,994

Summary of Composition of the Referential Equity

Composition of Referential Equity    

		12/31/2018				12/31/2017
Stockholders’ equity attributable to controlling interests			131,757				126,924
Non-controlling interests			12,276				11,942
Change in interest in subsidiaries in a capital transaction			98				1,482
Consolidated Stockholders’ Equity (BACEN)			144,131				140,348
Common Equity Tier I Prudential Adjustments			(20,773	)			(17,952	)
Common Equity Tier I			123,358				122,396
Instruments Eligible to Comprise Additional Tier I			7,701				—
Additional Tier I Prudential Adjustments			95				57
Additional Tier I Capital			7,796				57
Tier I (Common Equity Tier I + Additional Tier I Capital)			131,154				122,453
Instruments Eligible to Comprise Tier II			15,778				19,723
Tier II Prudential Adjustments			96				76
Tier II			15,874				19,799
Referential Equity (Tier I + Tier II)			147,028				142,252

Summary of Subordinated Debt

Name of security / currency		Principal amount (original currency)				Issue				Maturity				Return p.a.		Account balance 12/31/2018
Subordinated financial bills - BRL
			2				2011				2019			109% to 109.7% of CDI			4
			1				2012				2019			110% of CDI			2
			12											11.96%			26
			101											IPCA + 4.7% to 6.3%			187
			1				2012				2020			111% of CDI			2
			20											IPCA + 6% to 6.17%			44
			6				2011				2021			109.25% to 110.5% of CDI			13
			2,307				2012				2022			IPCA + 5.15% to 5.83%			4,595
			20											IGPM + 4.63%			29
			2,470											Total			4,902
Subordinated euronotes - USD
			990				2010				2020			6.20%			3,881
			1,000				2010				2021			5.75%			3,987
			730				2011				2021			5.75% to 6.20%			2,839
			550				2012				2021			6.20%			2,131
			2,600				2012				2022			5.50% to 5.65%			10,256
			1,851				2012				2023			5.13%			7,209
			7,721											Total			30,303
Total																	35,205

Summary of Implementation of Basel III Rules

Schedule for Basel III implementation    

		As From January 1,
		2017				2018				2019 (1)
Common Equity Tier I			4.5	%			4.5	%			4.5	%
Tier I			6.0	%			6.0	%			6.0	%
Total Capital			9.25	%			8.625	%			8.0	%
Additional Common Equity Tier I (ACP)			1.50	%			2.375	%			3.5	%
Conservation			1.25	%			1.875	%			2.5	%
Countercyclical(2)			0	%			0	%			0	%
Systemic (3)			0.25	%			0.5	%			1.0	%
Common Equity Tier I + ACP			6.0	%			6.875	%			8.0	%
Total Capital + ACP			10.75	%			11.0	%			11.5	%
Prudential Adjustments Deductions			80	%			100	%			100	%

(1) Requirements in force as from January 1, 2019.    

(2) ACP _{Countercyclical} is triggered during the credit cycle expansion phase. Additionally, in the event of increase of countercyclical additional, the new percentage will be in effect only twelve months after it is announced.

(3) The calculation of ACP _Systemic associates the systemic importance, represented by the institution’s total exposure, to Gross Domestic Product (GDP).

Summary of Assessing Minimum Capital Requirements

		12/31/2018				12/31/2017
Credit risk (RWACPAD)(1)			714,969				660,516
Market risk (RWAMINT)(2)			30,270				32,915
Operacional risk (RWAPOPAD)(3)			72,833				63,277
Total risk-weighted assets			818,072				756,708

(1) Portion related to exposures to credit risk, calculated using the standardized approach;

(2) Portion related to capital required for market risk, composed of the maximum between the internal model and 80% of the standardized model, regulated by BACEN Circulars 3,646 and 3,674;

(3) Portion related to capital required for operational risk, calculated based on the standardized approach.

Summary of Risk Weighted Assets for Credit Risk (RWACPAD)

Exposure Weighted by Credit Risk (RWA_CPAD)    

		12/31/2018				12/31/2017
Exposure Weighted by Credit Risk (RWACPAD)			714,969				660,516
Marketable securities			40,276				45,629
Loan Operations - Retail			124,356				114,141
Loan Operations - Non-Retail			256,958				240,816
Joint Liabilities - Retail			140				172
Joint Liabilities - Non-Retail			43,288				45,405
Loan Commitments - Retail			33,871				31,058
Loan Commitments - Non-Retail			10,673				9,017
Derivatives – Future potential gain			4,193				5,457
Agency Transition			3,330				—
Other exposures			197,884				168,821

	12/31/2018																12/31/2017
		Amount								Ratio								Amount								Ratio
		Required				Current				Required				Current				Required				Current				Required				Current
Common Equity Tier I			36,813				123,358				4.5	%			15.1	%			34,052				122,396				4.5	%			16.2	%
Additional Tier I Capital			0				7,796				0				0				—				57				—				—
Tier I (Common Equity Tier I + Additional Tier I Capital)			49,084				131,154				6.0	%			16.0	%			45,402				122,453				6.0	%			16.2	%
Tier II			0				15,874				0				0				—				19,799				—				—
Referential Equity (Tier I + Tier II)			70,559				147,028				8.625	%			18.0	%			69,995				142,252				9.25	%			18.8	%
Amount Required for Additional Common Equity Tier I (ACP)			19,429								2.375%								11,351								1.5%

Summary of Risk-Weighted Assets of Market Risk (RWAMINT)

		12/31/2018 (1)				12/31/2017
Market Risk Weighted Assets - Standard Aproach (RWAMPAD)			37,838				32,893
Operations subject to interest rate variations			30,286				31,076
Fixed rate denominated in reais			2,026				6,119
Foreign exchange coupons			19,633				17,153
Price index coupon			8,627				7,804
Operations subject to commodity price variation			389				361
Operations subject to stock price variation			362				239
Operations subject to risk exposures in gold, foreign currency and foreign exchange variation			6,801				1,217
Minimum Market Risk Weighted Assets - Standard Aproach (RWAMPAD) (1) (a)			30,270				26,314
Market Risk Weighted Assets calculated based on internal methodology (b)			22,871				32,915
Reduction of Market Risk Weighted Assets due to Internal Models Aproach			(7,568	)			—
Market Risk Weighted Assets (RWAMINT) - maximum of (a) and (b)			30,270				32,915

(1) Calculated based on internal models, with maximum saving possibility of 20% of the standard model.

Summary of Composition of the Operational Risk Weighted Assets (RWAOPAD)

		12/31/2018				12/31/2017
Operational Risk-Weighted Assets (RWAOPAD)			72,833				63,277
Retail			12,822				11,870
Commercial			26,214				24,857
Corporate finance			2,697				2,663
Negotiation and sales			11,736				7,434
Payments and settlement			8,282				7,532
Financial agent services			4,343				3,893
Asset management			6,715				5,010
Retail brokerage			24				18

Summary of Sensitivity Analysis Impact in Results and Stockholder's Equity

Sensitivity analysis		Impact in Results and Stockholders’ Equity (1)
		12/31/2018 (2)								12/31/2017
		Private Pension				Insurance				Private Pension				Insurance
																	Mortality Rates
5% increase			15				(1	)			24				—
5% decrease			(16	)			(1	)			(25	)			(1	)
Risk-free Interest Rates
0.1% increase			30				8				26				5
0.1% decrease			(44	)			(8	)			(27	)			(5	)
Conversion in Income Rates
5% increase			(14	)			0				(13	)			—
5% decrease			14				0				13				—
Claims
5% increase			0				(37	)			—				(36	)
5% decrease			0				37				—				36

(1) Amounts net of tax effects.

(2) The amounts shown in the tables express the position at 12/31/2018, since the actuarial calculations are made semi-annually.

Summary of Risks of Insurance and Private Pension

		01/01 to 12/31/2018												01/01 to 12/31/2017												01/01 to 12/31/2016
		Insurance premiums				Retained premium				Retention (%)				Insurance premiums				Retained premium				Retention (%)				Insurance premiums				Retained premium				Retention (%)
Property and casualty
Mandatory personal injury caused by motor vehicle (DPVAT)			0				0				0.0				24				24				100.0				37				37				100.0
Extended warranty			0				0				0.0				—				—				0.0				112				112				100.0
Individuals
Group accident insurance			690				689				99.9				667				666				99.8				780				776				99.5
Individual accident			275				280				101.8				290				289				99.8				224				212				94.8
Credit life			881				879				99.8				623				621				99.7				570				570				100.0
Group life			934				937				100.3				1,001				990				98.9				1,278				1,234				96.5

Summary of Sensitivity Analysis Presented in Relation to Insurance Operations Demonstrate Impact on Cash Flows Market Value

		12/31/2018								12/31/2017
Class		Account balance				DV01				Account balance				DV01
Government securities
NTN-C			5,096				(2.70	)			4,936				(2.87	)
NTN-B			6,091				(7.17	)			5,343				(6.78	)
LTN			0				0				279				(0.09	)
Private securities
Indexed to IPCA			259				(0.06	)			336				(0.10	)
Indexed to PRE			10				0				31				—
Floating assets			4,085				0				5,132
Under agreements to resell			5,575				0				6,856

Summary of Liquidity Risk

Liabilities		Assets		12/31/2018												12/31/2017
				Liabilities amounts (1)				Liabilities DU (2)				Assets DU (2)				Liabilities amounts (1)				Liabilities DU (2)				Assets DU (2)
Insurance operations		Backing asset
Unearned premiums		LFT, repurchase agreements, NTN-B, CDB, LF and debentures			2,111				56.7				12.6				1,882				24.7				12.0
IBNR, PDR e PSL		LFT, repurchase agreements, NTN-B, CDB, LF and debentures			927				48.0				18.5				985				20.4				18.3
Other provisions		LFT, repurchase agreements, NTN-B, CDB, LF and debentures			562				99.2				32.3				565				70.6				26.2
Subtotal		Subtotal			3,600												3,432
Pension plan, VGBL and individual life operations
Related expenses		LFT, repurchase agreements, NTN-B, CDB, LF and debentures			98				128.4				75.9				95				116.8				78.9
Unearned premiums		LFT, repurchase agreements, NTN-B, CDB and debentures			13				0				11.0				16				—				9.7
Unsettled claims		LFT, repurchase agreements, NTN-B, CDB and debentures			43				0				11.0				37				—				9.8
IBNR		LFT, repurchase agreements, NTN-B, CDB and debentures			25				15.4				11.0				28				17.0				9.7
Redemptions and Other Unsettled Amounts		LFT, repurchase agreements, NTN-B, CDB and debentures			310				0				11.0				275				—				9.8
Mathematical reserve for benefits granted		LFT, repurchase agreements, LTN, NTN-B, NTN-C, NTN-F, CDB, LF and debentures			2,820				120.4				71.4				2,404				116.8				79.1
Mathematical reserve for benefits to be granted – PGBL/ VGBL		LFT, repurchase agreements, LTN, NTN-B, NTN-C, NTN-F, CDB, LF and debentures (3)			187,908				182.0				28.2				169,149				197.2				38.9
Mathematical reserve for benefits to be granted – traditional		LFT, repurchase agreements, NTN-B, NTN-C, debentures			4,815				209.0				91.7				4,454				—				95.1
Other provisions		LFT, repurchase agreements, NTN-B, NTN-C, CDB, LF and debentures			948				165.5				91.7				737				116.8				95.1
Financial surplus		LFT, repurchase agreements, NTN-B, NTN-C, CDB, LF and debentures			607				208.8				91.5				605				116.8				95.0
Subtotal		Subtotal			197,587												177,800
Total technical reserves		Total backing assets			201,187												181,232

(1) Gross amounts of Credit Rights, Escrow Deposits and Reinsurance.

(2) DU = Duration in months.

(3) Excluding PGBL / VGBL reserves allocated in variable income.

Summary of Risk Level of Financial Assets

The table below shows insurance financial assets, individually evaluated, classified by rating:

		12/31/2018
		Financial Assets at Amortized Cost
Internal rating		Interbank deposits and securities purchased under agreements to resell				Securities				Financial assets at fair value through profit or loss (*)				Total
																	Lower risk			8,247				28,969				179,771				216,987
Satisfactory			0				0				2				2
Higher Risk			0				0				0				0
Total			8,247				28,969				179,773				216,989
%			3.8				13.3				82.9				100.0

(*) Includes Derivatives in the amount of R$ 449 million.

		12/31/2017
		Financial Assets at Amortized Cost
Internal rating		Interbank deposits and securities purchased under agreements to resell				Securities				Financial assets at fair value through profit or loss (*)				Total
																	Lower risk			7,558				27,719				168,006				203,283
Satisfactory			—				—				4				4
Higher Risk			—				—				25				25
Total			7,558				27,719				168,035				203,312
%			3.5				13.9				82.6				100.0

(*) Includes Derivatives in the amount of R$ 194 million.

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