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v3.25.1

Loan and lease operations (Tables) | 12 Months Ended
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Dec. 31, 2024
Loan And Lease Operations |
Schedule of composition of carrying amount of loan operations and lease operations by type, sector of debtor, maturity and concentration |
Schedule 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 | 12/31/2024 | 12/31/2023
Individuals | 445,574 | 416,616
Credit card | 143,048 | 136,317
Personal loan | 66,104 | 60,992
Payroll loans | 74,524 | 73,472
Vehicles | 36,637 | 33,324
Mortgage loans | 125,261 | 112,511
Corporate | 160,840 | 136,461
Micro / small and medium companies | 194,192 | 169,110
Foreign loans - Latin America | 224,887 | 188,403
Total loans and lease operations | 1,025,493 | 910,590
Provision for Expected Loss | (49,024) | (50,863)
Total loans and lease operations, net of Expected Credit Loss | 976,469 | 859,727
By maturity | 12/31/2024 | 12/31/2023
Overdue as from 1 day | 23,496 | 27,531
Falling due up to 3 months | 273,729 | 241,247
Falling due from 3 months to 12 months | 262,710 | 236,555
Falling due after 1 year | 465,558 | 405,257
Total loans and lease operations | 1,025,493 | 910,590
By concentration | 12/31/2024 | 12/31/2023
Largest debtor | 6,658 | 5,378
10 largest debtors | 44,294 | 34,637
20 largest debtors | 66,407 | 54,100
50 largest debtors | 106,980 | 87,446
100 largest debtors | 148,748 | 121,866
Schedule of reconciliation of gross portfolio of loans |
Schedule of reconciliation of gross portfolio of loans |  |  |  |  |  |  |  |
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
12/31/2023 | 12/31/2024
Individuals | 317,335 | (53,024) | (1,189) | 35,139 | 243 | - | 49,245 | 347,749
Corporate | 130,916 | (938) | (19) | 475 | 42 | - | 27,497 | 157,973
Micro / Small and medium companies | 145,422 | (11,902) | (1,715) | 4,864 | 170 | - | 35,027 | 171,866
Foreign loans - Latin America | 166,981 | (8,863) | (884) | 3,378 | 22 | - | 38,431 | 199,065
Total | 760,654 | (74,727) | (3,807) | 43,856 | 477 | - | 150,200 | 876,653
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
12/31/2023 | 12/31/2024
Individuals | 63,579 | (35,139) | (14,153) | 53,024 | 1,307 | - | (2,150) | 66,468
Corporate | 956 | (475) | (564) | 938 | 11 | - | 149 | 1,015
Micro / Small and medium companies | 13,087 | (4,864) | (5,410) | 11,902 | 527 | - | (3,020) | 12,222
Foreign loans - Latin America | 12,077 | (3,378) | (4,601) | 8,863 | 475 | - | 568 | 14,004
Total | 89,699 | (43,856) | (24,728) | 74,727 | 2,320 | - | (4,453) | 93,709
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
12/31/2023 | 12/31/2024
Individuals | 35,702 | (243) | (1,307) | 1,189 | 14,153 | (24,156) | 6,019 | 31,357
Corporate | 4,589 | (42) | (11) | 19 | 564 | (160) | (3,107) | 1,852
Micro / Small and medium companies | 10,601 | (170) | (527) | 1,715 | 5,410 | (5,435) | (1,490) | 10,104
Foreign loans - Latin America | 9,345 | (22) | (475) | 884 | 4,601 | (1,556) | (959) | 11,818
Total | 60,237 | (477) | (2,320) | 3,807 | 24,728 | (31,307) | 463 | 55,131
Consolidated 3 Stages |  | Balance at | Derecognition (2) | Acquisition / (Settlement) | Closing balance
| 12/31/2023 | 12/31/2024
Individuals |  | 416,616 | (24,156) | 53,114 | 445,574
Corporate |  | 136,461 | (160) | 24,539 | 160,840
Micro / Small and medium companies |  | 169,110 | (5,435) | 30,517 | 194,192
Foreign loans - Latin America |  | 188,403 | (1,556) | 38,040 | 224,887
Total |  | 910,590 | (31,307) | 146,210 | 1,025,493
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) | Includes updating the estimate regarding the write-off of operations.
Reconciliation of gross portfolio of loans and lease operations, segregated by stages:
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
12/31/2022 | 12/31/2023
Individuals | 305,210 | (58,899) | (2,256) | 37,760 | 186 | - | 35,334 | 317,335
Corporate | 133,205 | (1,040) | (31) | 421 | 118 | - | (1,757) | 130,916
Micro / Small and medium companies | 142,621 | (14,081) | (1,328) | 5,786 | 422 | - | 12,002 | 145,422
Foreign loans - Latin America | 182,516 | (8,899) | (903) | 4,281 | 14 | - | (10,028) | 166,981
Total | 763,552 | (82,919) | (4,518) | 48,248 | 740 | - | 35,551 | 760,654
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
12/31/2022 | 12/31/2023
Individuals | 59,639 | (37,760) | (14,261) | 58,899 | 1,299 | - | (4,237) | 63,579
Corporate | 901 | (421) | (297) | 1,040 | 13 | - | (280) | 956
Micro / Small and medium companies | 12,299 | (5,786) | (5,376) | 14,081 | 682 | - | (2,813) | 13,087
Foreign loans - Latin America | 13,863 | (4,281) | (4,222) | 8,899 | 339 | - | (2,521) | 12,077
Total | 86,702 | (48,248) | (24,156) | 82,919 | 2,333 | - | (9,851) | 89,699
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
12/31/2022 | 12/31/2023
Individuals | 35,254 | (186) | (1,299) | 2,256 | 14,261 | (25,133) | 10,549 | 35,702
Corporate | 5,162 | (118) | (13) | 31 | 297 | (138) | (632) | 4,589
Micro / Small and medium companies | 9,976 | (422) | (682) | 1,328 | 5,376 | (4,930) | (45) | 10,601
Foreign loans - Latin America | 8,776 | (14) | (339) | 903 | 4,222 | (2,823) | (1,380) | 9,345
Total | 59,168 | (740) | (2,333) | 4,518 | 24,156 | (33,024) | 8,492 | 60,237
Consolidated 3 Stages |  | Balance at | Derecognition | Acquisition / (Settlement) | Closing balance
| 12/31/2022 | 12/31/2023
Individuals |  | 400,103 | (25,133) | 41,646 | 416,616
Corporate |  | 139,268 | (138) | (2,669) | 136,461
Micro / Small and medium companies |  | 164,896 | (4,930) | 9,144 | 169,110
Foreign loans - Latin America |  | 205,155 | (2,823) | (13,929) | 188,403
Total |  | 909,422 | (33,024) | 34,192 | 910,590
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.
Schedule of Reconciliation of Expected Loan Losses for Loan Operations and Lease Operations |
Schedule of Reconciliation of Expected Loan Losses for Loan Operations and Lease Operations |  |  |  |  |  |  |  |
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
12/31/2023 | 12/31/2024
Individuals | (4,923) | 1,131 | 18 | (1,809) | (7) | - | (707) | (6,297)
Corporate | (780) | 14 | - | (18) | (13) | - | 114 | (683)
Micro / Small and medium companies | (1,148) | 203 | 28 | (310) | (33) | - | (49) | (1,309)
Foreign loans - Latin America | (1,892) | 223 | 19 | (129) | (3) | - | (870) | (2,652)
Total | (8,743) | 1,571 | 65 | (2,266) | (56) | - | (1,512) | (10,941)
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
12/31/2023 | 12/31/2024
Individuals | (6,127) | 1,809 | 4,769 | (1,131) | (153) | - | (5,049) | (5,882)
Corporate | (697) | 18 | 63 | (14) | (5) | - | 202 | (433)
Micro / Small and medium companies | (1,864) | 310 | 1,410 | (203) | (129) | - | (1,184) | (1,660)
Foreign loans - Latin America | (1,497) | 129 | 928 | (223) | (124) | - | (841) | (1,628)
Total | (10,185) | 2,266 | 7,170 | (1,571) | (411) | - | (6,872) | (9,603)
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
12/31/2023 | 12/31/2024
Individuals | (18,001) | 7 | 153 | (18) | (4,769) | 24,156 | (19,258) | (17,730)
Corporate | (5,213) | 13 | 5 | - | (63) | 160 | 3,014 | (2,084)
Micro / Small and medium companies | (5,496) | 33 | 129 | (28) | (1,410) | 5,435 | (3,557) | (4,894)
Foreign loans - Latin America | (3,225) | 3 | 124 | (19) | (928) | 1,556 | (1,283) | (3,772)
Total | (31,935) | 56 | 411 | (65) | (7,170) | 31,307 | (21,084) | (28,480)
Consolidated 3 Stages |  | Balance at | Derecognition | (Increase) / Reversal | Closing balance
| 12/31/2023 | 12/31/2024
Individuals |  | (29,051) | 24,156 | (25,014) | (29,909)
Corporate |  | (6,690) | 160 | 3,330 | (3,200)
Micro / Small and medium companies |  | (8,508) | 5,435 | (4,790) | (7,863)
Foreign loans - Latin America |  | (6,614) | 1,556 | (2,994) | (8,052)
Total |  | (50,863) | 31,307 | (29,468) | (49,024)
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.
Reconciliation of expected credit loss of loans and lease operations, segregated by stages:
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
12/31/2022 | 12/31/2023
Individuals | (5,414) | 1,111 | 49 | (1,381) | (8) | - | 720 | (4,923)
Corporate | (480) | 16 | 1 | (40) | (4) | - | (273) | (780)
Micro / Small and medium companies | (1,431) | 251 | 22 | (418) | (110) | - | 538 | (1,148)
Foreign loans - Latin America | (2,339) | 201 | 21 | (155) | (2) | - | 382 | (1,892)
Total | (9,664) | 1,579 | 93 | (1,994) | (124) | - | 1,367 | (8,743)
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
12/31/2022 | 12/31/2023
Individuals | (5,647) | 1,381 | 4,719 | (1,111) | (128) | - | (5,341) | (6,127)
Corporate | (503) | 40 | 46 | (16) | (4) | - | (260) | (697)
Micro / Small and medium companies | (2,227) | 418 | 1,312 | (251) | (133) | - | (983) | (1,864)
Foreign loans - Latin America | (1,546) | 155 | 851 | (201) | (110) | - | (646) | (1,497)
Total | (9,923) | 1,994 | 6,928 | (1,579) | (375) | - | (7,230) | (10,185)
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
12/31/2022 | 12/31/2023
Individuals | (19,220) | 8 | 128 | (49) | (4,719) | 25,133 | (19,282) | (18,001)
Corporate | (4,470) | 4 | 4 | (1) | (46) | 138 | (842) | (5,213)
Micro / Small and medium companies | (5,932) | 110 | 133 | (22) | (1,312) | 4,930 | (3,403) | (5,496)
Foreign loans - Latin America | (3,115) | 2 | 110 | (21) | (851) | 2,823 | (2,173) | (3,225)
Total | (32,737) | 124 | 375 | (93) | (6,928) | 33,024 | (25,700) | (31,935)
Consolidated 3 Stages |  | Balance at | Derecognition | (Increase) / Reversal | Closing balance
| 12/31/2022 | 12/31/2023
Individuals |  | (30,281) | 25,133 | (23,903) | (29,051)
Corporate |  | (5,453) | 138 | (1,375) | (6,690)
Micro / Small and medium companies |  | (9,590) | 4,930 | (3,848) | (8,508)
Foreign loans - Latin America |  | (7,000) | 2,823 | (2,437) | (6,614)
Total |  | (52,324) | 33,024 | (31,563) | (50,863)
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.
Schedule of analysis of present value of minimum future payments receivable from finance leases by maturity |
Schedule of analysis of present value of minimum future payments receivable from finance leases by maturity |  |  |  |  |  |  |
| 12/31/2024 |  | 12/31/2023
| Payments receivable | Future financial income | Present value |  | Payments receivable | Future financial income | Present value
Current | 2,505 | (462) | 2,043 |  | 2,208 | (482) | 1,726
Up to 1 year | 2,505 | (462) | 2,043 |  | 2,208 | (482) | 1,726
Non-current | 8,987 | (2,687) | 6,300 |  | 8,690 | (2,739) | 5,951
From 1 to 2 years | 1,918 | (507) | 1,411 |  | 1,584 | (434) | 1,150
From 2 to 3 years | 1,481 | (392) | 1,089 |  | 1,338 | (416) | 922
From 3 to 4 years | 1,024 | (309) | 715 |  | 1,022 | (333) | 689
From 4 to 5 years | 960 | (256) | 704 |  | 770 | (275) | 495
Over 5 years | 3,604 | (1,223) | 2,381 |  | 3,976 | (1,281) | 2,695
Total | 11,492 | (3,149) | 8,343 |  | 10,898 | (3,221) | 7,677
Schedule of finance lease income |
Schedule of finance lease income |  |  |
| 01/01 to 12/31/2024 | 01/01 to 12/31/2023 | 01/01 to 12/31/2022
Financial income | 811 | 884 | 901
Variable payments | 11 | 7 | 7
Total | 822 | 891 | 908
Schedule securitization or transfer of financial assets |
Schedule securitization or transfer of financial assets |  |  |  |  |  |  |  |  |
Nature of operation | 12/31/2024 |  | 12/31/2023
Assets | Liabilities (1) |  | Assets | Liabilities (1)
Book value | Fair value | Book value | Fair value |  | Book value | Fair value | Book value | Fair value
Mortgage loan | 115 | 112 | 115 | 111 |  | 139 | 140 | 139 | 139
Working capital | 397 | 397 | 397 | 397 |  | 502 | 502 | 502 | 502
Total | 512 | 509 | 512 | 508 |  | 641 | 642 | 641 | 641
1) | Under Other liabilities.

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