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Tangible assets
 12 Months Ended
Dec. 31, 2025
Disclosure Tangible Assets Abstract  
Tangible assets

 

12.Tangible assets

The Bank's tangible assets consist of fixed assets for its own use. The Bank does not hold any tangible assets as investment property nor are any assets leased under operating lease arrangements.

a) Breakdown

The detail, by class of asset, of the tangible assets in the consolidated balance sheets is as follows:

             
Thousand of Reais              
Cost Land and buildings Furniture, Equipment, and Vehicles Leased Fixed Assets Facilities Improvements to third party properties Fixed Assets in Progress Total
Balance on December 31, 2023 2,644,882 7,896,258 3,266,685 1,870,381 4,075,464 110,171 19,863,841
Additions 440 450,877 130,696 29,535 138,179 105,267 854,994
Write-off (47,160) (516,980) - (133,840) (650,968) (394) (1,349,342)
Cancellation of lease agreements - - (601,124) - - - (601,124)
Transfers - 82,214 - 7,169 20,306 (109,689) -
Balance on December 31, 2024 2,598,162 7,912,369 2,796,257 1,773,245 3,582,981 105,355 18,768,369
               
Additions - 307,624 361,295 33,709 80,028 138,705 921,361
Write-off (83,429) (1,736,033) (17,915) (121,931) (614,920) (171) (2,574,398)
Cancellation of lease agreements - - (1,324,249) - - - (1,324,249)
Transfers (4,421) 51,558 - 27,566 30,441 (105,143) -
Balance on December 31, 2025 2,510,312 6,535,519 1,815,388 1,712,588 3,078,529 138,746 15,791,082
               
Accumulated depreciation Land and buildings Furniture, Equipment, and Vehicles Leased Fixed Assets Facilities Improvements to third party properties Fixed Assets in Progress Total
Balance on December 31, 2023 (1,033,630) (5,386,398) (1,873,759) (1,427,031) (3,052,923) - (12,773,741)
Additions (84,982) (831,244) (390,712) (89,836) (189,503)   (1,586,277)
Write-off 39,899 429,930 527,577 115,207 504,441   1,617,054
Balance on December 31, 2024 (1,078,713) (5,787,712) (1,736,894) (1,401,660) (2,737,985) - (12,742,964)
               
Additions (69,933) (491,174) (294,817) (83,263) (147,848) - (1,087,034)
Write-off 23,460 1,553,784 933,570 100,465 476,303 - 3,087,582
Balance on December 31, 2025 (1,125,186) (4,725,102) (1,098,140) (1,384,458) (2,409,529) - (10,742,416)
               
Impairment losses:              
Balance on December 31, 2023 (4,537) - - - - - (4,537)
               
Impacts on results 1,034           1,034
Balance on December 31, 2024 (3,503) - - - -   (3,503)
               
Impacts on results 970 - - - -   970
Balance on December 31, 2025 (2,533) - - - -   (2,533)
               
Book Value              
Balance on December 31, 2024 1,515,947 2,124,655 1,059,363 371,585 844,996 105,354 6,021,900
Balance on December 31, 2025 1,382,593 1,810,417 717,247 328,130 669,000 138,746 5,046,133

 

Depreciation expenses were recorded under the “Depreciation and Amortization” line item in the income statement.

b) Impairment losses

For the period ended December 31, 2025, an impairment expense of R$20,001 (12/31/2024 – R$14,720) and loss due to obsolescence and discontinuation of fixed assets in the amount of R$268,868 (12/31/2024 - R$231,088)

c) Commitment to purchase tangible assets

As of December 31, 2025, the Bank had no contractual commitments for the acquisition of tangible assets.