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Consolidated Statement of Income - BRL (R$)
R$ in Millions
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Profit or loss [abstract]      
Operating Revenues R$ 144,857 R$ 126,374 R$ 100,199
Interest and similar income 190,273 129,253 114,369
Interest and similar expenses (138,515) (69,305) (73,558)
Income of Financial Assets and Liabilities at Fair Value through Profit or Loss 34,173 16,678 6,553
Foreign exchange results and exchange variations in foreign transactions 1,280 (1,417) 2,689
Commissions and Banking Fees 46,378 42,324 38,557
Income from insurance and private pension operations before claim and selling expenses 5,938 5,354 4,488
Revenues from insurance premiums and private pensions 18,122 15,023 14,804
Change in provision for insurance and private pension (12,184) (9,669) (10,316)
Other income 5,330 3,487 7,101
Expected Loss from Financial Assets and Claims (29,287) (14,379) (25,980)
Expected Loss with Loan and Lease Operations (28,150) (14,001) (24,452)
Expected Loss with Other Financial Asset, net 413 1,222 (174)
(Expenses) / Recovery of claims (1,550) (1,600) (1,354)
Operating Revenues Net of Expected Losses from Financial Assets and Claims 115,570 111,995 74,219
Other operating income / (expenses) (78,037) (69,764) (68,989)
General and administrative expenses (69,164) (62,549) (64,207)
Tax expenses (9,545) (8,379) (6,181)
Share of profit or (loss) in associates and joint ventures 672 1,164 1,399
Income / (loss) before income tax and social contribution 37,533 42,231 5,230
Current income tax and social contribution (6,595) (6,661) (8,655)
Deferred income tax and social contribution (201) (7,186) 18,489
Net income / (loss) 30,737 28,384 15,064
Net income attributable to owners of the parent company 29,702 26,760 18,896
Net income / (loss) attributable to non-controlling interests R$ 1,035 R$ 1,624 R$ (3,832)