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Consolidated Statement of Income - BRL (R$)
R$ in Millions
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Profit or loss [abstract]      
Operating Revenues R$ 168,050 R$ 154,971 R$ 142,279
Interest and similar income 242,258 222,385 189,165
Interest and similar expenses (167,278) (158,250) (116,747)
Income of Financial Assets and Liabilities at Fair Value through Profit or Loss 32,011 29,145 13,325
Foreign exchange results and exchange variations in foreign transactions (3,143) 4,432 1,280
Commissions and Banking Fees 47,071 45,731 44,566
Income from Insurance Contracts and Private Pension 6,982 6,613 5,407
Income from Insurance Contracts and Private Pension, net of Reinsurance 6,536 6,132 5,328
Financial Income from Insurance Contracts and Private Pension, net of Reinsurance (23,679) (28,585) (21,873)
Income from Financial Assets related to Insurance Contracts and Private Pension 24,125 29,066 21,952
Other income 10,149 4,915 5,283
Expected Loss from Financial Assets (32,311) (30,445) (27,737)
Expected Loss with Loan and Lease Operations (29,468) (31,563) (28,150)
Expected Loss with Other Financial Asset, net (2,843) 1,118 413
Operating Revenues Net of Expected Losses from Financial Assets 135,739 124,526 114,542
Other operating income / (expenses) (88,183) (84,826) (77,848)
General and administrative expenses (79,416) (75,759) (68,930)
Tax expenses (9,814) (9,987) (9,590)
Share of profit or (loss) in associates and joint ventures 1,047 920 672
Income / (loss) before income tax and social contribution 47,556 39,700 36,694
Current income tax and social contribution (9,433) (8,685) (6,595)
Deferred income tax and social contribution 4,005 2,862 143
Net income / (loss) 42,128 33,877 30,242
Net income attributable to owners of the parent company 41,085 33,105 29,207
Net income / (loss) attributable to non-controlling interests R$ 1,043 R$ 772 R$ 1,035