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v3.25.4

Loans and advances to customers (Tables) | 12 Months Ended
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Dec. 31, 2025
Notes and other explanatory information [abstract] |
Schedule of classification, of the balances of loans and advances to customers |
Schedule of classification, of the balances of loans and advances to customers |  |
Thousand of Reais | 2025 | 2024
Classification: |  |
Financial assets measured at fair value through profit or loss | 6,413,587 | 4,911,803
Financial assets measured at amortized cost | 558,134,969 | 561,178,111
Comprising: |  |
Loans and advances to customers at amortized cost | 595,626,402 | 594,776,041
Allowance for loan losses due to impairment | (37,491,433) | (33,597,930)
Loans and advances to customers, net | 564,548,556 | 566,089,914
Loans and advances to customers, gross | 602,039,989 | 599,687,844
Thousand of Reais | 2025 | 2024
Type: |  |
Loan operations (1) | 582,482,877 | 573,391,121
Leasing operations | 3,601,894 | 3,343,208
Other receivables (2) | 15,955,218 | 22,953,515
Total | 602,039,989 | 599,687,844
(1) Includes loans, financings, and other forms of credit with credit characteristics. (2) These operations primarily relate to Foreign Exchange Transactions and Other Receivables with credit granting characteristics.
Schedule of gross of impairment losses |
Schedule of gross of impairment losses |  |
Thousand of Reais | 2025 | 2024
Loan borrower sector: |  |
Commercial, and industrial | 246,928,344 | 241,177,143
Real Estate Credit - Construction | 70,157,866 | 64,820,223
Loans to Individuals | 281,358,799 | 290,347,270
Leasing | 3,594,980 | 3,343,208
Total | 602,039,989 | 599,687,844
Schedule of interest rate formula |
Schedule of interest rate formula |  |
Thousand of Reais | 2025 | 2024
Interest Rate Formula: |  |
Fixed interest rate | 422,138,647 | 427,753,814
Floating interest rate | 179,901,342 | 171,934,030
Total | 602,039,989 | 599,687,844
Schedule of debt sector by maturity |
Schedule of debt sector by maturity |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  | 2025
Borrower Segment by Maturity | Less than 1 year | % of total | Between 1 and 5 years | % of total | More than 5 years | % of total |  | Total |  | % of total
Commercial and Industrial | 162,251,019 | 50.41% | 78,660,984 | 39.14% | 6,016,340 | 7.60% |  | 246,928,343 |  | 41.02%
Real Estate Credit | 6,004,680 | 1.87% | 13,062,231 | 6.50% | 51,090,956 | 64.54% |  | 70,157,867 |  | 11.65%
Loans to Individuals | 152,094,746 | 47.25% | 107,265,821 | 53.37% | 21,998,232 | 27.79% |  | 281,358,799 |  | 46.73%
Leasing | 1,531,276 | 0.48% | 2,010,021 | 1.00% | 53,683 | 0.07% |  | 3,594,980 |  | 0.60%
Loans and advances to customers, gross | 321,881,721 | 100.00% | 200,999,057 | 100.00% | 79,159,211 | 100.00% |  | 602,039,989 |  | 100.00%
|  |  |  |  |  |  |  |  |  | 2024
Borrower Segment by Maturity | Less than 1 year | % of total | Between 1 and 5 years | % of total | More than 5 years | % of total |  | Total |  | % of total
Commercial and Industrial | 161,568,313 | 50.37% | 75,022,533 | 37.55% | 4,586,297 | 5.79% |  | 241,177,143 |  | 40.22%
Real Estate Credit | 5,426,403 | 1.69% | 12,241,469 | 6.13% | 47,152,351 | 59.58% |  | 64,820,223 |  | 10.81%
Loans to Individuals | 152,201,789 | 47.45% | 110,761,071 | 55.44% | 27,384,410 | 34.60% |  | 290,347,270 |  | 48.42%
Leasing | 1,577,662 | 0.49% | 1,743,417 | 0.87% | 22,129 | 0.03% |  | 3,343,208 |  | 0.56%
Loans and advances to customers, gross | 320,774,167 | 100.00% | 199,768,490 | 100.00% | 79,145,187 | 100.00% |  | 599,687,844 |  | 100.00%
Schedule of maturity |
Schedule of maturity |  |
Thousand of Reais | 2025 | 2024
By Maturity |  |
Under 1 year | 321,881,721 | 320,774,167
From 1 and 5 years | 200,999,058 | 199,768,490
Over 5 years | 79,159,210 | 79,145,187
Loans and advances to customers, gross | 602,039,989 | 599,687,844
By Internal risk classification |  |
Low | 411,269,061 | 443,671,010
Medium-low | 135,638,317 | 105,285,608
Medium | 18,147,181 | 16,421,302
Medium - high | 11,600,825 | 11,575,874
High | 25,384,605 | 22,734,050
Loans and advances to customers, gross | 602,039,989 | 599,687,844
Schedule of provisions for impairment losses |
Schedule of provisions for impairment losses |  |  |  |
Thousand of Reais |  |  |  | 2025
| Stage 1 | Stage 2 | Stage 3 |
| Expected loan losses in 12 months | Expected loan losses over the useful life not subject to impairment | Expected loan losses over the useful life subject to impairment | Total
Balance at the beginning of the fiscal year | 4,183,653 | 5,424,192 | 26,061,062 | 35,668,907
Impairment losses recognized in profit or loss | 527,869 | 4,717,689 | 22,246,808 | 27,492,366
Transfers between stages | 646,591 | 3,857,430 | 18,838,120 | 23,342,141
Changes during the period | (118,722) | 860,259 | 3,408,688 | 4,150,225
Comprising: |  |  |  |
Commercial and Industrial | 1,532,673 | 26,131 | 5,999,012 | 7,557,816
Real Estate Credit - Construction | (195,394) | 28,444 | 456,924 | 289,974
Loans to Individuals | (811,317) | 4,657,792 | 15,785,122 | 19,631,597
Leasing | 1,907 | 5,322 | 5,751 | 12,980
Changes by Stage | (805,984) | (3,047,008) | 3,852,992 | -
Write-off of impaired balances recognized in loss provisions | - | - | (22,502,647) | (22,502,647)
Comprising: |  |  |  |
Commercial and Industrial | - | - | (4,949,687) | (4,949,687)
Real Estate Credit - Construction | - | - | (120,837) | (120,837)
Loans to Individuals | - | - | (17,428,285) | (17,428,285)
Leasing | - | - | (3,838) | (3,838)
Foreign Exchange Fluctuation | 12,867 | 6,431 | 16,255 | 35,553
Balance at the end of the fiscal year | 3,881,814 | 7,082,727 | 29,729,641 | 40,694,182
Comprising: |  |  |  |
Loans and advances to Customers | 3,610,101 | 6,685,874 | 27,195,458 | 37,491,433
Loans and other receivables from credit institutions (Note 5) | 926 | - | - | 926
Provision for debt instruments (Note 6) | 270,787 | 396,853 | 2,534,183 | 3,201,823
Recoveries of previously written-off loans | - | - | 1,415,408 | 1,415,409
Comprising: |  |  |  |
Commercial and Industrial | - | - | 520,446 | 520,446
Real Estate Credit - Construction | - | - | 90,756 | 90,756
Loans to Individuals | - | - | 801,882 | 801,882
Leasing | - | - | 2,325 | 2,325
Discount Granted | - | - | (3,462,905) | (3,462,905)
Thousand of Reais |  |  |  | 2024
| Stage 1 | Stage 2 | Stage 3 |
| Expected loan losses in 12 months | Expected loan losses over the useful life not subject to impairment | Expected loan losses over the useful life subject to impairment | Total
Balance at the beginning of the fiscal year | 3,551,060 | 5,809,160 | 25,791,851 | 35,152,071
Impairment losses recognized in profit or loss | 3,596,815 | 4,407,546 | 17,969,153 | 25,973,514
Transfers between stages | (1,090,735) | 2,055,390 | 17,064,748 | 18,029,403
Changes during the period | 4,687,550 | 2,352,156 | 904,405 | 7,944,111
Comprising: |  |  |  |
Commercial and Industrial | 325,319 | 810,188 | 4,894,190 | 6,029,697
Real Estate Credit - Construction | (153,110) | 135,523 | 265,825 | 248,238
Loans to Individuals | 3,423,858 | 3,460,624 | 12,796,319 | 19,680,801
Leasing | 747 | 1,210 | 12,821 | 14,778
Changes by Stage | (2,941,647) | (4,780,338) | 7,721,985 | -
Write-off of impaired balances recognized in loss provisions | - | - | (25,401,779) | (25,401,779)
Comprising: |  |  |  |
Commercial and Industrial | - | - | (7,447,925) | (7,447,925)
Real Estate Credit - Construction | - | - | (76,697) | (76,697)
Loans to Individuals | - | - | (17,875,232) | (17,875,232)
Leasing | - | - | (1,925) | (1,925)
Foreign Exchange Fluctuation | (22,575) | (12,176) | (20,148) | (54,899)
Balance at the end of the fiscal year | 4,183,653 | 5,424,192 | 26,061,062 | 35,668,907
Comprising: |  |  |  |
Loans and advances to Customers | 4,047,725 | 5,369,369 | 24,180,836 | 33,597,930
Loans and other receivables from credit institutions (Note 5) | 1,421 | - | - | 1,421
Provision for debt instruments (Note 6) | 134,507 | 54,823 | 1,880,226 | 2,069,556
Recoveries of previously written-off loans | - | - | 993,906 | 993,906
Comprising: |  |  |  |
Commercial and Industrial | - | - | 49,838 | 49,838
Real Estate Credit - Construction | - | - | 396,276 | 396,276
Loans to Individuals | - | - | 542,986 | 542,986
Leasing | - | - | 4,806 | 4,806
Discount Granted | - | - | (3,504,422) | (3,504,422)
Thousand of Reais | 2025 | 2024
Balance at the beginning of the fiscal year | 35,668,907 | 35,152,071
Impairment losses recognized in profit or loss | 27,492,366 | 25,973,514
Comprising: |  |
Commercial and Industrial | 7,557,815 | 6,029,697
Real Estate Credit - Construction | 289,974 | 248,238
Loans to Individuals | 19,631,597 | 19,680,801
Leasing | 12,980 | 14,778
Write-off of impaired balances recognized in loss provisions | (22,502,647) | (25,401,779)
Comprising: |  |
Commercial and Industrial | (4,949,687) | (7,447,925)
Real Estate Credit - Construction | (120,837) | (76,697)
Loans to Individuals | (17,428,285) | (17,875,232)
Leasing | (3,838) | (1,925)
Foreign Exchange Fluctuation | 35,553 | (54,899)
Balance at the end of the fiscal year | 40,694,182 | 35,668,907
Comprising: |  |
Loans and advances to Customers | 37,491,433 | 33,597,930
Loans and other receivables from credit institutions (Note 5) | 926 | 1,421
Provision for debt instruments (Note 6) | 3,201,823 | 2,069,556
Recoveries of previously written-off loans | 1,415,409 | 993,906
Comprising: |  |
Commercial and Industrial | 520,446 | 396,276
Real Estate Credit - Construction | 90,756 | 49,838
Loans to Individuals | 801,882 | 542,986
Leasing | 2,325 | 4,806
Schedule of provisions for impairment losses |
Schedule of provisions for impairment losses |  |
Thousand of Reais | 2025 | 2024
Commercial and industrial | 13,121,033 | 10,512,903
Real estate - Construction | 759,020 | 589,884
Installment loans to individuals | 26,784,341 | 24,545,476
Lease financing | 29,788 | 20,644
Total | 40,694,182 | 35,668,907
Schedule of loans and advances to customers |
Schedule of loans and advances to customers |  |  |
Thousand of Reais | 2025 | 2024 | 2023
Balance at the start of the period | 42,242,354 | 39,886,905 | 39,223,835
Net Additions | 30,132,275 | 30,069,416 | 30,393,982
Written-off Assets | (23,474,917) | (27,713,967) | (29,730,912)
Balance at the end of the fiscal year | 48,899,712 | 42,242,354 | 39,886,905
Schedule of non-recoverable financial assets |
Schedule of non-recoverable financial assets |  |
Thousand of Reais | 2025 | 2024
With balances not yet due or maturing within 3 Months | 26,313,437 | 23,183,630
With outstanding balances of: |  |
3 to 6 Months | 7,290,728 | 5,591,700
6 to 12 Months | 10,988,860 | 9,564,597
12 to 18 Months | 2,843,758 | 2,018,442
18 to 24 Months | 667,280 | 750,668
More than 24 Months | 795,649 | 1,133,317
Total | 48,899,712 | 42,242,354
Thousand of Reais | 2025 | 2024
By borrower segment: |  |
Commercial and Industrial | 17,291,310 | 13,175,496
Real Estate Credit - Construction | 1,808,673 | 1,736,049
Loans to Individuals | 29,779,108 | 27,283,775
Leasing | 20,621 | 47,034
Total | 48,899,712 | 42,242,354
Schedule of loan past due for less than 90 days but not classified as impaired |
Schedule of loan past due for less than 90 days but not classified as impaired |  |  |  |
Thousand of Reais | 2025 | % of total loans overdue for less than 90 days | 2024 | % of total loans overdue for less than 90 days
Commercial, Financial and Industrial | 7,238,755 | 24.71% | 7,439,903 | 25.97%
Real Estate Credit - Construction | 6,693,601 | 22.85% | 6,046,747 | 21.11%
Installment Loans to Individuals | 15,331,081 | 52.34% | 15,123,824 | 52.79%
Financial Leasing | 30,247 | 0.10% | 37,325 | 0.13%
Total (1) | 29,293,684 | 100.00% | 28,647,799 | 100.00%
(1) | Refers exclusively to loans between 1 and 90 days.
Schedule of gross investment in lease transactions |
Schedule of gross investment in lease transactions |  |
Thousand of Reais | 2025 | 2024
Overdue | 17,221 | 8,581
Due: |  |
Within 1 year | 224,459 | 1,456,825
In 1 to 5 years | 3,052,723 | 2,294,813
In over 5 years | 306,293 | 26,684
Total | 3,600,696 | 3,786,903

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