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v3.23.1

Loan and lease operations (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2022
Operations |
Summary of Composition of Carrying Amount of Loan Operations and Lease Operations by Type, Sector of Debtor, Maturity and Concentration |
Summary of Composition of Carrying Amount of Loan Operations and Lease Operations by Type, Sector of Debtor, Maturity and Concentration |  |
Loans and lease operations by type | 12/31/2022 | 12/31/2021
Individuals | 400,103 | 332,536
Credit card | 135,855 | 112,809
Personal loan | 53,945 | 42,235
Payroll loans | 73,633 | 63,416
Vehicles | 31,606 | 29,621
Mortgage loans | 105,064 | 84,455
Corporate | 139,268 | 135,034
Micro / small and medium companies | 164,896 | 149,970
Foreign loans - Latin America | 205,155 | 205,050
Total loans and lease operations | 909,422 | 822,590
Provision for Expected Loss (1) | (52,324) | (44,316)
Total loans and lease operations, net of Expected Credit Loss | 857,098 | 778,274
1) Comprises Expected Credit Loss for Financial Guarantees Pledged R$ (810) (R$ (767) at 12/31/2021) and Loan Commitments R$ (2,874) (R$ (4,433) at 12/31/2021).
By maturity | 12/31/2022 | 12/31/2021
Overdue as from 1 day | 30,656 | 20,960
Falling due up to 3 months | 247,233 | 211,329
Falling due from 3 months to 12 months | 228,942 | 205,119
Falling due after 1 year | 402,591 | 385,182
Total loans and lease operations | 909,422 | 822,590
By concentration | 12/31/2022 | 12/31/2021
Largest debtor | 5,916 | 6,414
10 largest debtors | 33,265 | 33,694
20 largest debtors | 50,714 | 49,541
50 largest debtors | 85,427 | 79,403
100 largest debtors | 118,015 | 111,116
Summary of Reconciliation of Gross Portfolio of Loan Operations and Lease Operations |
Summary of Reconciliation of Gross Portfolio of Loan Operations and Lease Operations |  |  |  |  |  |  |  |
01/01/2022 |  |  |  |  |  |  |  |
Stage 1 | Balance at | Transfer to Stage 2 (3) | Transfer to Stage 3 (1) | Cure from Stage 2 (3) | Cure from Stage 3 | Derecognition | Acquisition / (Settlement) | Closing balance
12/31/2021 | 12/31/2022
Individuals | 270,371 | (65,771) | (2,966) | 29,153 | 61 | - | 74,362 | 305,210
Corporate | 128,519 | (626) | (2,360) | 1,098 | 137 | - | 6,437 | 133,205
Micro / Small and medium companies | 124,555 | (18,158) | (1,600) | 16,215 | 170 | - | 21,439 | 142,621
Foreign loans - Latin America | 178,719 | (7,720) | (1,014) | 2,426 | 19 | - | 10,086 | 182,516
Total | 702,164 | (92,275) | (7,940) | 48,892 | 387 | - | 112,324 | 763,552
Stage 2 | Balance at | Cure to Stage 1 (3) | Transfer to Stage 3 | Transfer from Stage 1 (3) | Cure from Stage 3 | Derecognition | Acquisition / (Settlement) | Closing balance
12/31/2021 | 12/31/2022
Individuals | 38,168 | (29,153) | (13,041) | 65,771 | 1,392 | - | (3,498) | 59,639
Corporate | 1,600 | (1,098) | (173) | 626 | 19 | - | (73) | 901
Micro / Small and medium companies | 16,749 | (16,215) | (4,310) | 18,158 | 1,167 | - | (3,250) | 12,299
Foreign loans - Latin America | 13,389 | (2,426) | (3,388) | 7,720 | 831 | - | (2,263) | 13,863
Total | 69,906 | (48,892) | (20,912) | 92,275 | 3,409 | - | (9,084) | 86,702
Stage 3 | Balance at | Cure to Stage 1 | Cure to Stage 2 | Transfer from Stage 1 | Transfer from Stage 2 | Derecognition | Acquisition / (Settlement) | Closing balance
12/31/2021 | 12/31/2022
Individuals | 23,997 | (61) | (1,392) | 2,966 | 13,041 | (13,876) | 10,579 | 35,254
Corporate | 4,915 | (137) | (19) | 2,360 | 173 | (822) | (1,308) | 5,162
Micro / Small and medium companies | 8,666 | (170) | (1,167) | 1,600 | 4,310 | (3,661) | 398 | 9,976
Foreign loans - Latin America | 12,942 | (19) | (831) | 1,014 | 3,388 | (1,783) | (5,935) | 8,776
Total | 50,520 | (387) | (3,409) | 7,940 | 20,912 | (20,142) | 3,734 | 59,168
Consolidated 3 Stages |  |  |  |  | Balance at | Derecognition | Acquisition / (Settlement) | Closing balance
|  |  |  | 12/31/2021 | 12/31/2022
Individuals |  |  |  |  | 332,536 | (13,876) | 81,443 | 400,103
Corporate |  |  |  |  | 135,034 | (822) | 5,056 | 139,268
Micro / Small and medium companies |  |  |  |  | 149,970 | (3,661) | 18,587 | 164,896
Foreign loans - Latin America |  |  |  |  | 205,050 | (1,783) | 1,888 | 205,155
Total (2) |  |  |  |  | 822,590 | (20,142) | 106,974 | 909,422
1) In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part there of have first gone through stage 2.
2) Comprises R$ 14,052 pegged to Libor.
3) The change in the period of the parameter used to estimate the significant increase/reduction in credit risk caused an effect on the transfer from stage 1 to stage 2 in the amount of R$ 26,005 and in the transfer from stage 2 to 1 in the amount if R$ 27,155.
Reconciliation of gross portfolio of loans and lease operations, segregated by stages:
01/01/2021 |  |  |  |  |  |  |  |
Stage 1 | Balance at | Transfer to Stage 2 | Transfer to Stage 3 (1) | Cure from Stage 2 | Cure from Stage 3 | Derecognition | Acquisition / (Settlement) | Closing balance
12/31/2020 | 12/31/2021
Individuals | 199,158 | (30,578) | (1,663) | 12,788 | - | - | 90,666 | 270,371
Corporate | 123,665 | (865) | (109) | 1,338 | 43 | - | 4,447 | 128,519
Micro / Small and medium companies | 96,784 | (14,019) | (960) | 9,630 | 146 | - | 32,974 | 124,555
Foreign loans - Latin America | 167,601 | (8,527) | (929) | 5,794 | 468 | - | 14,312 | 178,719
Total | 587,208 | (53,989) | (3,661) | 29,550 | 657 | - | 142,399 | 702,164
Stage 2 | Balance at | Cure to Stage 1 | Transfer to Stage 3 | Transfer from Stage 1 | Cure from Stage 3 | Derecognition | Acquisition / (Settlement) | Closing balance
12/31/2020 | 12/31/2021
Individuals | 30,793 | (12,788) | (7,207) | 30,578 | 1,141 | - | (4,349) | 38,168
Corporate | 2,793 | (1,338) | (182) | 865 | 20 | - | (558) | 1,600
Micro / Small and medium companies | 15,965 | (9,630) | (2,867) | 14,019 | 742 | - | (1,480) | 16,749
Foreign loans - Latin America | 16,692 | (5,794) | (3,630) | 8,527 | 959 | - | (3,365) | 13,389
Total | 66,243 | (29,550) | (13,886) | 53,989 | 2,862 | - | (9,752) | 69,906
Stage 3 | Balance at | Cure to Stage 1 | Cure to Stage 2 | Transfer from Stage 1 | Transfer from Stage 2 | Derecognition | Acquisition / (Settlement) | Closing balance
12/31/2020 | 12/31/2021
Individuals | 25,532 | - | (1,141) | 1,663 | 7,207 | (10,309) | 1,045 | 23,997
Corporate | 8,063 | (43) | (20) | 109 | 182 | (310) | (3,066) | 4,915
Micro / Small and medium companies | 9,206 | (146) | (742) | 960 | 2,867 | (2,354) | (1,125) | 8,666
Foreign loans - Latin America | 17,852 | (468) | (959) | 929 | 3,630 | (5,034) | (3,008) | 12,942
Total | 60,653 | (657) | (2,862) | 3,661 | 13,886 | (18,007) | (6,154) | 50,520
Consolidated 3 Stages |  |  |  |  | Balance at | Derecognition | Acquisition / (Settlement) | Closing balance
|  |  |  | 12/31/2020 | 12/31/2021
Individuals |  |  |  |  | 255,483 | (10,309) | 87,362 | 332,536
Corporate |  |  |  |  | 134,521 | (310) | 823 | 135,034
Micro / Small and medium companies |  |  |  |  | 121,955 | (2,354) | 30,369 | 149,970
Foreign loans - Latin America |  |  |  |  | 202,145 | (5,034) | 7,939 | 205,050
Total (2) |  |  |  |  | 714,104 | (18,007) | 126,493 | 822,590
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 R$ 29,875 pegged to Libor.
Summary of Reconciliation of Expected Loan Losses for Loan Operations and Lease Operations |
Summary of Reconciliation of Expected Loan Losses for Loan Operations and Lease Operations |  |  |  |  |  |  |  |
01/01/2022 |  |  |  |  |  |  |  |
Stage 1 | Balance at | Transfer to Stage 2 (3) | Transfer to Stage 3 (1) | Cure from Stage 2 (3) | Cure from Stage 3 | Derecognition | (Increase) / Reversal | Closing balance
12/31/2021 | 12/31/2022
Individuals | (6,851) | 2,045 | 222 | (1,445) | (3) | - | 618 | (5,414)
Corporate | (413) | 6 | 1 | (127) | (3) | - | 56 | (480)
Micro / Small and medium companies | (1,812) | 767 | 98 | (806) | (33) | - | 355 | (1,431)
Foreign loans - Latin America | (2,373) | 179 | 18 | (91) | (5) | - | (67) | (2,339)
Total | (11,449) | 2,997 | 339 | (2,469) | (44) | - | 962 | (9,664)
Stage 2 | Balance at | Cure to Stage 1 (3) | Transfer to Stage 3 | Transfer from Stage 1 (3) | Cure from Stage 3 | Derecognition | (Increase) / Reversal | Closing balance
12/31/2021 | 12/31/2022
Individuals | (4,501) | 1,445 | 4,648 | (2,045) | (122) | - | (5,072) | (5,647)
Corporate | (865) | 127 | 31 | (6) | (9) | - | 219 | (503)
Micro / Small and medium companies | (1,556) | 806 | 1,055 | (767) | (201) | - | (1,564) | (2,227)
Foreign loans - Latin America | (1,353) | 91 | 592 | (179) | (219) | - | (478) | (1,546)
Total | (8,275) | 2,469 | 6,326 | (2,997) | (551) | - | (6,895) | (9,923)
Stage 3 | Balance at | Cure to Stage 1 | Cure to Stage 2 | Transfer from Stage 1 | Transfer from Stage 2 | Derecognition | (Increase) / Reversal | Closing balance
12/31/2021 | 12/31/2022
Individuals | (12,868) | 3 | 122 | (222) | (4,648) | 13,876 | (15,483) | (19,220)
Corporate | (3,529) | 3 | 9 | (1) | (31) | 822 | (1,743) | (4,470)
Micro / Small and medium companies | (4,023) | 33 | 201 | (98) | (1,055) | 3,661 | (4,651) | (5,932)
Foreign loans - Latin America | (4,172) | 5 | 219 | (18) | (592) | 1,783 | (340) | (3,115)
Total | (24,592) | 44 | 551 | (339) | (6,326) | 20,142 | (22,217) | (32,737)
Consolidated 3 Stages |  |  |  |  | Balance at | Derecognition | (Increase) / Reversal | Closing balance
|  |  |  | 12/31/2021 | 12/31/2022 (2)
Individuals |  |  |  |  | (24,220) | 13,876 | (19,937) | (30,281)
Corporate |  |  |  |  | (4,807) | 822 | (1,468) | (5,453)
Micro / Small and medium companies |  |  |  |  | (7,391) | 3,661 | (5,860) | (9,590)
Foreign loans - Latin America |  |  |  |  | (7,898) | 1,783 | (885) | (7,000)
Total |  |  |  |  | (44,316) | 20,142 | (28,150) | (52,324)
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 Credit Loss for Financial Guarantees R$ (810) (R$ (767) at 12/31/2021) and Loan Commitments R$ (2,874) (R$ (4,433) at 12/31/2021).
3) Reflects the expected credit loss arising from the change in the period of the parameter used to estimate the significant increase/decrease in credit risk.
Reconciliation of expected credit loss of loans and lease operations, segregated by stages:
01/01/2021 |  |  |  |  |  |  |  |
Stage 1 | Balance at | Transfer to Stage 2 | Transfer to Stage 3 (1) | Cure from Stage 2 | Cure from Stage 3 | Derecognition | (Increase) / Reversal | Closing balance
12/31/2020 | 12/31/2021
Individuals | (5,403) | 1,435 | 203 | (579) | - | - | (2,507) | (6,851)
Corporate | (740) | 36 | 8 | (132) | (2) | - | 417 | (413)
Micro / Small and medium companies | (1,273) | 592 | 64 | (464) | (51) | - | (680) | (1,812)
Foreign loans - Latin America | (2,389) | 226 | 12 | (179) | (46) | - | 3 | (2,373)
Total | (9,805) | 2,289 | 287 | (1,354) | (99) | - | (2,767) | (11,449)
Stage 2 | Balance at | Cure to Stage 1 | Transfer to Stage 3 | Transfer from Stage 1 | Cure from Stage 3 | Derecognition | (Increase) / Reversal | Closing balance
12/31/2020 | 12/31/2021
Individuals | (3,255) | 579 | 2,639 | (1,435) | (79) | - | (2,950) | (4,501)
Corporate | (1,261) | 132 | 32 | (36) | (6) | - | 274 | (865)
Micro / Small and medium companies | (1,337) | 464 | 685 | (592) | (112) | - | (664) | (1,556)
Foreign loans - Latin America | (2,029) | 179 | 867 | (226) | (284) | - | 140 | (1,353)
Total | (7,882) | 1,354 | 4,223 | (2,289) | (481) | - | (3,200) | (8,275)
Stage 3 | Balance at | Cure to Stage 1 | Cure to Stage 2 | Transfer from Stage 1 | Transfer from Stage 2 | Derecognition | (Increase) / Reversal | Closing balance
12/31/2020 | 12/31/2021
Individuals | (12,472) | - | 79 | (203) | (2,639) | 10,309 | (7,942) | (12,868)
Corporate | (5,952) | 2 | 6 | (8) | (32) | 310 | 2,145 | (3,529)
Micro / Small and medium companies | (3,759) | 51 | 112 | (64) | (685) | 2,354 | (2,032) | (4,023)
Foreign loans - Latin America | (8,452) | 46 | 284 | (12) | (867) | 5,034 | (205) | (4,172)
Total | (30,635) | 99 | 481 | (287) | (4,223) | 18,007 | (8,034) | (24,592)
Consolidated 3 Stages |  |  |  |  | Balance at | Derecognition | (Increase) / Reversal | Closing balance
|  |  |  | 12/31/2020 | 12/31/2021 (2)
Individuals |  |  |  |  | (21,130) | 10,309 | (13,399) | (24,220)
Corporate |  |  |  |  | (7,953) | 310 | 2,836 | (4,807)
Micro / Small and medium companies |  |  |  |  | (6,369) | 2,354 | (3,376) | (7,391)
Foreign loans - Latin America |  |  |  |  | (12,870) | 5,034 | (62) | (7,898)
Total |  |  |  |  | (48,322) | 18,007 | (14,001) | (44,316)
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 Credit Loss for Financial Guarantees R$ (767) (R$ (907) at 12/31/2020) and Loan Commitments R$ (4,433) (R$ (3,485) at 12/31/2020).
Summary of Analysis of Present Value of Minimum Future Payments Receivable From Finance Leases by Maturity |
Summary of Analysis of Present Value of Minimum Future Payments Receivable From Finance Leases by Maturity |  |  |  |  |  |  |
| 12/31/2022 |  | 12/31/2021
| Payments receivable | Future financial income | Present value |  | Payments receivable | Future financial income | Present value
Current | 2,273 | (617) | 1,656 |  | 2,365 | (351) | 2,014
Up to 1 year | 2,273 | (617) | 1,656 |  | 2,365 | (351) | 2,014
Non-current | 9,087 | (2,894) | 6,193 |  | 9,342 | (2,743) | 6,599
From 1 to 2 years | 1,888 | (596) | 1,292 |  | 1,727 | (456) | 1,271
From 2 to 3 years | 1,455 | (449) | 1,006 |  | 1,394 | (369) | 1,025
From 3 to 4 years | 1,026 | (339) | 687 |  | 1,042 | (296) | 746
From 4 to 5 years | 814 | (271) | 543 |  | 834 | (251) | 583
Over 5 years | 3,904 | (1,239) | 2,665 |  | 4,345 | (1,371) | 2,974
Total | 11,360 | (3,511) | 7,849 |  | 11,707 | (3,094) | 8,613
Summary of finance lease income |
Summary of finance lease income |  |  |
| 01/01 to 12/31/2022 | 01/01 to 12/31/2021 | 01/01 to 12/31/2020
Financial income | 901 | 742 | 645
Variable payments | 7 | 10 | 40
Total | 908 | 752 | 685
Summary Securitization or Transfer of Financial Assets |
Summary Securitization or Transfer of Financial Assets |  |  |  |  |  |  |  |  |
Nature of operation | 12/31/2022 |  | 12/31/2021
Assets | Liabilities (1) |  | Assets | Liabilities (1)
Book value | Fair value | Book value | Fair value |  | Book value | Fair value | Book value | Fair value
Mortgage loan | 170 | 168 | 170 | 168 |  | 235 | 235 | 235 | 234
Working capital | 602 | 602 | 602 | 602 |  | 800 | 800 | 795 | 795
Total | 772 | 770 | 772 | 770 |  | 1,035 | 1,035 | 1,030 | 1,029
1) Under Other liabilities.

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