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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
   
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
               
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
               
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
             
  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
     
  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
                 
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.