XML 45 R49.htm IDEA: XBRL DOCUMENT
v3.20.1

Loan and lease operations portfolio (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2019
Text Block [Abstract] |
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:
Loans and finance lease by type |  | 12/31/2019 |  |  | 12/31/2018 |
Individuals |  |  | 240,490 |  |  |  | 212,564 |
Credit card |  |  | 91,676 |  |  |  | 78,255 |
Personal loan |  |  | 34,892 |  |  |  | 29,543 |
Payroll loans |  |  | 49,608 |  |  |  | 46,878 |
Vehicles |  |  | 18,968 |  |  |  | 15,920 |
Mortgage loans |  |  | 45,346 |  |  |  | 41,968 |
Corporate |  |  | 105,302 |  |  |  | 102,643 |
Micro / Small and medium companies |  |  | 86,220 |  |  |  | 68,812 |
Foreign loans - Latin America |  |  | 153,779 |  |  |  | 152,072 |
Total loans and finance lease operations |  |  | 585,791 |  |  |  | 536,091 |
Provision for Expected Loss (1) |  |  | (37,508 | ) |  |  | (33,509 | )
Total loans and finance lease operations, net of allowance for Expected Credit Loss |  |  | 548,283 |  |  |  | 502,582 |
(1) | Comprises Provision for Expected Credit Loss for Financial Guarantees Pledged R$ (837) (R$ (1,191) at 12/31/2018) and Commitments to be Released R$ (3,303) (R$ (2,601) at 12/31/2018).
By maturity |  | 12/31/2019 |  |  | 12/31/2018 |
Overdue as from 1 day |  |  | 21,263 |  |  |  | 19,563 |
Falling due up to 3 months |  |  | 165,028 |  |  |  | 144,812 |
Falling due from 3 months to 12 months |  |  | 149,388 |  |  |  | 127,805 |
Falling due after 1 year |  |  | 250,112 |  |  |  | 243,911 |
Total loans and finance lease operations |  |  | 585,791 |  |  |  | 536,091 |
By concentration |  | 12/31/2019 |  |  | 12/31/2018 |
Largest debtor |  |  | 5,389 |  |  |  | 5,193 |
10 largest debtors |  |  | 29,340 |  |  |  | 31,564 |
20 largest debtors |  |  | 44,712 |  |  |  | 47,433 |
50 largest debtors |  |  | 71,965 |  |  |  | 73,358 |
100 largest debtors |  |  | 97,695 |  |  |  | 98,675 |
Summary of Reconciliation of Gross Portfolio of Loan Operations and Lease Operations | Reconciliation of gross portfolio of loans and finance lease operations, segregated by stages:
Stage 1 |  | Balance at 12/31/2018 |  |  | Transfer to Stage 2 |  |  | Transfer to Stage 3 (*) |  |  | Cure from the Stage 2 |  |  | Cure from the Stage 3 |  |  | Derecognition |  |  | Acquisition / (Settlement) |  |  | Closing balance at 12/31/2019 |
Individuals |  |  | 177,488 |  |  |  | (19,661 | ) |  |  | (2,009 | ) |  |  | 8,680 |  |  |  | — |  |  |  | — |  |  |  | 35,409 |  |  |  | 199,907 |
Corporate |  |  | 90,716 |  |  |  | (854 | ) |  |  | (90 | ) |  |  | 886 |  |  |  | 13 |  |  |  | — |  |  |  | 5,152 |  |  |  | 95,823 |
Micro / Small and medium companies |  |  | 57,099 |  |  |  | (5,534 | ) |  |  | (770 | ) |  |  | 3,215 |  |  |  | 38 |  |  |  | — |  |  |  | 19,299 |  |  |  | 73,347 |
Foreign loans - Latin America |  |  | 134,323 |  |  |  | (12,022 | ) |  |  | (1,001 | ) |  |  | 5,029 |  |  |  | 74 |  |  |  | — |  |  |  | 6,409 |  |  |  | 132,812 |
Total |  |  | 459,626 |  |  |  | (38,071 | ) |  |  | (3,870 | ) |  |  | 17,810 |  |  |  | 125 |  |  |  | — |  |  |  | 66,269 |  |  |  | 501,889 |
Stage 2 |  | Balance at 12/31/2018 |  |  | Transfer to Stage 1 |  |  | Transfer to Stage 3 |  |  | Cure from the Stage 1 |  |  | Cure from the Stage 3 |  |  | Derecognition |  |  | Acquisition / (Settlement) |  |  | Closing balance at 12/31/2019 |
Individuals |  |  | 17,029 |  |  |  | (8,680 | ) |  |  | (7,579 | ) |  |  | 19,661 |  |  |  | 977 |  |  |  | — |  |  |  | (2,338 | ) |  |  | 19,070 |
Corporate |  |  | 2,222 |  |  |  | (886 | ) |  |  | (833 | ) |  |  | 854 |  |  |  | 6 |  |  |  | — |  |  |  | (407 | ) |  |  | 956 |
Micro / Small and medium companies |  |  | 5,875 |  |  |  | (3,215 | ) |  |  | (1,759 | ) |  |  | 5,534 |  |  |  | 477 |  |  |  | — |  |  |  | 268 |  |  |  | 7,180 |
Foreign loans - Latin America |  |  | 11,768 |  |  |  | (5,029 | ) |  |  | (3,335 | ) |  |  | 12,022 |  |  |  | 731 |  |  |  | — |  |  |  | (1,443 | ) |  |  | 14,714 |
Total |  |  | 36,894 |  |  |  | (17,810 | ) |  |  | (13,506 | ) |  |  | 38,071 |  |  |  | 2,191 |  |  |  | — |  |  |  | (3,920 | ) |  |  | 41,920 |
Stage 3 |  | Balance at 12/31/2018 |  |  | Transfer to Stage 1 |  |  | Transfer to Stage 2 |  |  | Cure from the Stage 1 |  |  | Cure from the Stage 2 |  |  | Derecognition |  |  | Acquisition / (Settlement) |  |  | Closing balance at 12/31/2019 |
Individuals |  |  | 18,047 |  |  |  | — |  |  |  | (977 | ) |  |  | 2,009 |  |  |  | 7,579 |  |  |  | (9,710 | ) |  |  | 4,565 |  |  |  | 21,513 |
Corporate |  |  | 9,705 |  |  |  | (13 | ) |  |  | (6 | ) |  |  | 90 |  |  |  | 833 |  |  |  | (884 | ) |  |  | (1,202 | ) |  |  | 8,523 |
Micro / Small and medium companies |  |  | 5,838 |  |  |  | (38 | ) |  |  | (477 | ) |  |  | 770 |  |  |  | 1,759 |  |  |  | (1,995 | ) |  |  | (164 | ) |  |  | 5,693 |
Foreign loans - Latin America |  |  | 5,981 |  |  |  | (74 | ) |  |  | (731 | ) |  |  | 1,001 |  |  |  | 3,335 |  |  |  | (1,710 | ) |  |  | (1,549 | ) |  |  | 6,253 |
Total |  |  | 39,571 |  |  |  | (125 | ) |  |  | (2,191 | ) |  |  | 3,870 |  |  |  | 13,506 |  |  |  | (14,299 | ) |  |  | 1,650 |  |  |  | 41,982 |
Consolidated 3 Stages |  | Balance at 12/31/2018 |  |  | Derecognition |  |  | Acquisition / (Settlement) |  |  | Closing balance at 12/31/2019 |
Individuals |  |  | 212,564 |  |  |  | (9,710 | ) |  |  | 37,636 |  |  |  | 240,490 |
Corporate |  |  | 102,643 |  |  |  | (884 | ) |  |  | 3,543 |  |  |  | 105,302 |
Micro / Small and medium companies |  |  | 68,812 |  |  |  | (1,995 | ) |  |  | 19,403 |  |  |  | 86,220 |
Foreign loans - Latin America |  |  | 152,072 |  |  |  | (1,710 | ) |  |  | 3,417 |  |  |  | 153,779 |
Total |  |  | 536,091 |  |  |  | (14,299 | ) |  |  | 63,999 |  |  |  | 585,791 |
(*) | In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part thereof have first gone through stage 2.
Reconciliation of gross portfolio of loan and Lease Operations, segregated by stages:
Stage 1 |  | 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 |  |  |  | — |  |  |  | — |  |  |  | 28,072 |  |  |  | 177,488 |
Corporate |  |  | 91,442 |  |  |  | (726 | ) |  |  | (137 | ) |  |  | 1,629 |  |  |  | 113 |  |  |  | — |  |  |  | (1,605 | ) |  |  | 90,716 |
Micro / Small and medium companies |  |  | 47,132 |  |  |  | (4,891 | ) |  |  | (742 | ) |  |  | 2,849 |  |  |  | 22 |  |  |  | — |  |  |  | 12,729 |  |  |  | 57,099 |
Foreign loans - Latin America |  |  | 117,448 |  |  |  | (10,913 | ) |  |  | (1,261 | ) |  |  | 9,691 |  |  |  | 132 |  |  |  | — |  |  |  | 19,226 |  |  |  | 134,323 |
Total |  |  | 417,386 |  |  |  | (32,377 | ) |  |  | (4,061 | ) |  |  | 19,989 |  |  |  | 267 |  |  |  | — |  |  |  | 58,422 |  |  |  | 459,626 |
Stage 2 |  | 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 |  |  |  | — |  |  |  | 748 |  |  |  | 17,029 |
Corporate |  |  | 3,833 |  |  |  | (1,629 | ) |  |  | (1,032 | ) |  |  | 726 |  |  |  | 1,347 |  |  |  | — |  |  |  | (1,023 | ) |  |  | 2,222 |
Micro / Small and medium companies |  |  | 6,001 |  |  |  | (2,849 | ) |  |  | (1,610 | ) |  |  | 4,891 |  |  |  | 505 |  |  |  | — |  |  |  | (1,063 | ) |  |  | 5,875 |
Foreign loans - Latin America |  |  | 13,028 |  |  |  | (9,691 | ) |  |  | (3,025 | ) |  |  | 10,913 |  |  |  | 1,002 |  |  |  | — |  |  |  | (459 | ) |  |  | 11,768 |
Total |  |  | 35,894 |  |  |  | (19,989 | ) |  |  | (13,463 | ) |  |  | 32,377 |  |  |  | 3,872 |  |  |  | — |  |  |  | (1,797 | ) |  |  | 36,894 |
Stage 3 |  | 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 |  |  |  | — |  |  |  | (1,018 | ) |  |  | 1,921 |  |  |  | 7,796 |  |  |  | (8,520 | ) |  |  | (1,121 | ) |  |  | 18,047 |
Corporate |  |  | 12,372 |  |  |  | (113 | ) |  |  | (1,347 | ) |  |  | 137 |  |  |  | 1,032 |  |  |  | (1,172 | ) |  |  | (1,204 | ) |  |  | 9,705 |
Micro / Small and medium companies |  |  | 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 |  | Balance at 12/31/2017 |  |  | Derecognition |  |  | Acquisition / (Settlement) |  |  | Closing balance at 12/31/2018 |
Individuals |  |  | 193,385 |  |  |  | (8,520 | ) |  |  | 27,699 |  |  |  | 212,564 |
Corporate |  |  | 107,647 |  |  |  | (1,172 | ) |  |  | (3,832 | ) |  |  | 102,643 |
Micro / Small and medium companies |  |  | 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 |
(*) | In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part thereof have first gone through stage 2.
Summary of Reconciliation of Expected Loan Losses for Loan Operations and Lease Operations | Reconciliation of expected credit loss of loans and finance lease operations, segregated by stages:
Stage 1 |  | Balance at 12/31/2018 |  |  | Transfer to Stage 2 |  |  | Transfer to Stage 3 (1) |  |  | Cure from the Stage 2 |  |  | Cure from the Stage 3 |  |  | Derecognition |  |  | (Net increase) / Reversal |  |  | Closing balance at 12/31/2019 |
Individuals |  |  | (3,892 | ) |  |  | 846 |  |  |  | 282 |  |  |  | (264 | ) |  |  | — |  |  |  | — |  |  |  | (2,187 | ) |  |  | (5,215 | )
Corporate |  |  | (531 | ) |  |  | 59 |  |  |  | 2 |  |  |  | (170 | ) |  |  | — |  |  |  | — |  |  |  | 123 |  |  |  | (517 | )
Micro / Small and medium companies |  |  | (1,112 | ) |  |  | 225 |  |  |  | 71 |  |  |  | (136 | ) |  |  | (10 | ) |  |  | — |  |  |  | (119 | ) |  |  | (1,081 | )
Foreign loans - Latin America |  |  | (1,396 | ) |  |  | 258 |  |  |  | 18 |  |  |  | (160 | ) |  |  | (40 | ) |  |  | — |  |  |  | (33 | ) |  |  | (1,353 | )
Total |  |  | (6,931 | ) |  |  | 1,388 |  |  |  | 373 |  |  |  | (730 | ) |  |  | (50 | ) |  |  | — |  |  |  | (2,216 | ) |  |  | (8,166 | )
Stage 2 |  | Balance at 12/31/2018 |  |  | 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 12/31/2019 |
Individuals |  |  | (2,116 | ) |  |  | 264 |  |  |  | 3,117 |  |  |  | (846 | ) |  |  | (155 | ) |  |  | — |  |  |  | (3,075 | ) |  |  | (2,811 | )
Corporate |  |  | (595 | ) |  |  | 170 |  |  |  | 269 |  |  |  | (59 | ) |  |  | — |  |  |  | — |  |  |  | 109 |  |  |  | (106 | )
Micro / Small and medium companies |  |  | (557 | ) |  |  | 136 |  |  |  | 490 |  |  |  | (225 | ) |  |  | (143 | ) |  |  | — |  |  |  | (576 | ) |  |  | (875 | )
Foreign loans - Latin America |  |  | (1,183 | ) |  |  | 160 |  |  |  | 562 |  |  |  | (258 | ) |  |  | (268 | ) |  |  | — |  |  |  | (1,778 | ) |  |  | (2,765 | )
Total |  |  | (4,451 | ) |  |  | 730 |  |  |  | 4,438 |  |  |  | (1,388 | ) |  |  | (566 | ) |  |  | — |  |  |  | (5,320 | ) |  |  | (6,557 | )
Stage 3 |  | Balance at 12/31/2018 |  |  | Transfer to Stage 1 |  |  | Transfer to Stage 2 |  |  | Transfer to Stage 1 |  |  | Transfer to Stage 2 |  |  | Derecognition |  |  | (Net increase) / Reversal |  |  | Closing balance at 12/31/2019 |
Individuals |  |  | (8,417 | ) |  |  | — |  |  |  | 155 |  |  |  | (282 | ) |  |  | (3,117 | ) |  |  | 9,710 |  |  |  | (9,476 | ) |  |  | (11,427 | )
Corporate |  |  | (8,241 | ) |  |  | — |  |  |  | — |  |  |  | (2 | ) |  |  | (269 | ) |  |  | 884 |  |  |  | 1,260 |  |  |  | (6,368 | )
Micro / Small and medium companies |  |  | (2,863 | ) |  |  | 10 |  |  |  | 143 |  |  |  | (71 | ) |  |  | (490 | ) |  |  | 1,995 |  |  |  | (1,211 | ) |  |  | (2,487 | )
Foreign loans - Latin America |  |  | (2,606 | ) |  |  | 40 |  |  |  | 268 |  |  |  | (18 | ) |  |  | (562 | ) |  |  | 1,710 |  |  |  | (1,335 | ) |  |  | (2,503 | )
Total |  |  | (22,127 | ) |  |  | 50 |  |  |  | 566 |  |  |  | (373 | ) |  |  | (4,438 | ) |  |  | 14,299 |  |  |  | (10,762 | ) |  |  | (22,785 | )
Consolidated 3 Stages |  | Balance at 12/31/2018 |  |  | Derecognition |  |  | (Net increase) / Reversal (2) |  |  | Closing balance at 12/31/2019 (3) |
Individuals |  |  | (14,425 | ) |  |  | 9,710 |  |  |  | (14,738 | ) |  |  | (19,453 | )
Corporate |  |  | (9,367 | ) |  |  | 884 |  |  |  | 1,492 |  |  |  | (6,991 | )
Micro / Small and medium companies |  |  | (4,532 | ) |  |  | 1,995 |  |  |  | (1,906 | ) |  |  | (4,443 | )
Foreign loans - Latin America |  |  | (5,185 | ) |  |  | 1,710 |  |  |  | (3,146 | ) |  |  | (6,621 | )
Total |  |  | (33,509 | ) |  |  | 14,299 |  |  |  | (18,298 | ) |  |  | (37,508 | )
(1) | In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part thereof have first gone through stage 2.
(2) | Change in macroeconomic scenarios used gave rise, in the fourth quarter, to a reversal of the provision for Expected Loss in the amount of R$ 8.
(3) | Comprises Expected Loan Losses for Financial Guarantees Pledged R$ (837) (R$ (1,191) at 12/31/2018) and Commitments to be Released R$ (3,303)(R$ (2,601) at 12/31/2018).
Reconciliation of expected credit loss of loans and finance lease operations, segregated by stages:
Stage 1 |  | Balance at 12/31/2017 |  |  | Transfer to Stage 2 |  |  | Transfer to Stage 3 (1) |  |  | 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 | ) |  |  | — |  |  |  | — |  |  |  | (691 | ) |  |  | (3,892 | )
Corporate |  |  | (451 | ) |  |  | 7 |  |  |  | 1 |  |  |  | (259 | ) |  |  | (85 | ) |  |  | — |  |  |  | 256 |  |  |  | (531 | )
Micro / Small and medium companies |  |  | (1,149 | ) |  |  | 213 |  |  |  | 75 |  |  |  | (177 | ) |  |  | (4 | ) |  |  | — |  |  |  | (70 | ) |  |  | (1,112 | )
Foreign loans - Latin America |  |  | (1,013 | ) |  |  | 142 |  |  |  | 20 |  |  |  | (659 | ) |  |  | (45 | ) |  |  | — |  |  |  | 159 |  |  |  | (1,396 | )
Total |  |  | (6,447 | ) |  |  | 1,070 |  |  |  | 409 |  |  |  | (1,483 | ) |  |  | (134 | ) |  |  | — |  |  |  | (346 | ) |  |  | (6,931 | )
Stage 2 |  | Balance at 12/31/2017 |  |  | 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 12/31/2018 |
Individuals |  |  | (2,209 | ) |  |  | 388 |  |  |  | 3,258 |  |  |  | (708 | ) |  |  | (145 | ) |  |  | — |  |  |  | (2,700 | ) |  |  | (2,116 | )
Corporate |  |  | (1,174 | ) |  |  | 259 |  |  |  | 193 |  |  |  | (7 | ) |  |  | (147 | ) |  |  | — |  |  |  | 281 |  |  |  | (595 | )
Micro / Small and medium companies |  |  | (701 | ) |  |  | 177 |  |  |  | 430 |  |  |  | (213 | ) |  |  | (195 | ) |  |  | — |  |  |  | (55 | ) |  |  | (557 | )
Foreign loans - Latin America |  |  | (1,223 | ) |  |  | 659 |  |  |  | 406 |  |  |  | (142 | ) |  |  | (405 | ) |  |  | — |  |  |  | (478 | ) |  |  | (1,183 | )
Total |  |  | (5,307 | ) |  |  | 1,483 |  |  |  | 4,287 |  |  |  | (1,070 | ) |  |  | (892 | ) |  |  | — |  |  |  | (2,952 | ) |  |  | (4,451 | )
Stage 3 |  | Balance at 12/31/2017 |  |  | 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 12/31/2018 |
Individuals |  |  | (8,787 | ) |  |  | — |  |  |  | 145 |  |  |  | (313 | ) |  |  | (3,258 | ) |  |  | 8,520 |  |  |  | (4,724 | ) |  |  | (8,417 | )
Corporate |  |  | (9,827 | ) |  |  | 85 |  |  |  | 147 |  |  |  | (1 | ) |  |  | (193 | ) |  |  | 1,172 |  |  |  | 376 |  |  |  | (8,241 | )
Micro / Small and medium companies |  |  | (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 |  | Balance at 12/31/2017 |  |  | Derecognition |  |  | (Net increase) / Reversal |  |  | Closing balance at 12/31/2018 (2) |
Individuals |  |  | (14,830 | ) |  |  | 8,520 |  |  |  | (8,115 | ) |  |  | (14,425 | )
Corporate |  |  | (11,452 | ) |  |  | 1,172 |  |  |  | 913 |  |  |  | (9,367 | )
Micro / Small and medium companies |  |  | (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) | In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part thereof have first gone through stage 2;
(2) | Comprises expected loan losses 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).
Summary of Analysis of Present Value of Minimum Future Payments Receivable From Finance Leases by Maturity | Finance leases are composed of vehicles, machines, equipment and real estate in Brazil and abroad. The analysis of portfolio maturities is presented below:
|  | 12/31/2019 |
|  | Payments receivable |  |  | Future financial income |  |  | Present value |
Current |  |  | 1,899 |  |  |  | (421 | ) |  |  | 1,478 |
Up to 1 year |  |  | 1,899 |  |  |  | (421 | ) |  |  | 1,478 |
Non-current |  |  | 8,613 |  |  |  | (2,640 | ) |  |  | 5,973 |
From 1 to 2 years |  |  | 1,535 |  |  |  | (439 | ) |  |  | 1,096 |
From 2 to 3 years |  |  | 1,223 |  |  |  | (368 | ) |  |  | 855 |
From 3 to 4 years |  |  | 982 |  |  |  | (310 | ) |  |  | 672 |
From 4 to 5 years |  |  | 1,001 |  |  |  | (287 | ) |  |  | 714 |
Over 5 years |  |  | 3,872 |  |  |  | (1,236 | ) |  |  | 2,636 |
Total |  |  | 10,512 |  |  |  | (3,061 | ) |  |  | 7,451 |
Total at 12/31/2018 |  |  | 10,525 |  |  |  | (2,973 | ) |  |  | 7,552 |
Summary of finance lease income | Financial lease revenues are composed of:
|  | 01/01 to 12/31/2019 |
Financial Income |  |  | 612 |
Variable payments |  |  | 39 |
Total |  |  | 651 |
Summary Securitization or Transfer of Financial Assets |
|  | 12/31/2019 |  |  | 12/31/2018 |
|  | 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 |  |  | 1,305 |  |  |  | 1,352 |  |  |  | 1,303 |  |  |  | 1,349 |  |  |  | 1,941 |  |  |  | 1,925 |  |  |  | 1,939 |  |  |  | 1,920 |
Working capital |  |  | 1,211 |  |  |  | 1,213 |  |  |  | 1,207 |  |  |  | 1,208 |  |  |  | 2,140 |  |  |  | 2,140 |  |  |  | 2,128 |  |  |  | 2,128 |
Other |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | 4 |  |  |  | 4 |
Total |  |  | 2,516 |  |  |  | 2,565 |  |  |  | 2,511 |  |  |  | 2,558 |  |  |  | 4,081 |  |  |  | 4,065 |  |  |  | 4,071 |  |  |  | 4,052 |
(*) | Under Interbank Market funds.

X
- Definition The disclosure of a maturity analysis of finance lease payments receivable. Finance lease is a lease that transfers substantially all the risks and rewards incidental to ownership of an underlying asset. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 16 -IssueDate 2019-01-01 -Paragraph 94 -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=16&code=ifrs-tx-2019-en-r&anchor=para_94&doctype=Standard -URIDate 2019-03-27 + Details
Name: | ifrs-full_DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableExplanatory
Namespace Prefix: | ifrs-full_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition The disclosure of transfers of financial assets. [Refer: Financial assets] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2019-01-01 -Section Transfers of financial assets -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2019-en-r&doctype=Standard&dita_xref=IFRS07_g42A-42S_TI -URIDate 2019-03-27 + Details
Name: | ifrs-full_DisclosureOfTransfersOfFinancialAssetsExplanatory
Namespace Prefix: | ifrs-full_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Disclosure of finance lease income. + References No definition available. + Details
Name: | itub_DisclosureOfDetailedInformationAboutFinanceLeaseIncomeExplanatoryTextBlock
Namespace Prefix: | itub_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Disclosure of detailed information about loan and lease operation portfolios. + References No definition available. + Details
Name: | itub_DisclosureOfDetailedInformationAboutLoanAndLeaseOperationPortfoliosExplanatory
Namespace Prefix: | itub_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Disclosure of gross portfolio of loan operations and lease operations. + References No definition available. + Details
Name: | itub_DisclosureOfGrossPortfolioOfLoanOperationsAndLeaseOperationsExplanatory
Namespace Prefix: | itub_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Disclosure of reconciliation of expected loan losses for loan operations and lease operations explanatory. + References No definition available. + Details
Name: | itub_DisclosureOfReconciliationOfExpectedLoanLossesForLoanOperationsAndLeaseOperationsExplanatory
Namespace Prefix: | itub_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | itub_TextblockAbstract
Namespace Prefix: | itub_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration