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Interest and similar expenses
 12 Months Ended
Dec. 31, 2025
Notes and other explanatory information [abstract]  
Interest and similar expenses

 

32.Interest and similar expenses

Interest and similar expenses" in the consolidated income statement consist of interest accrued in the year on all financial liabilities with implicit or explicit return, including remuneration in kind, calculated using the effective interest method, regardless of the measurement of the fair value, cost adjustments as a result of hedge accounting and interest costs attributed to pension funds.

The breakdown of the main items of interest and similar charges accrued in 2025, 2024 and 2023 is as follows:

     
Thousand of Reais 2025 2024 2023
       
Deposits from credit institutions 6,899,809 8,905,425 9,828,381
Customer deposits 53,594,440 58,469,742 48,543,885
Marketable debt securities and subordinated liabilities:      
Marketable debt securities (note 18) 3,839,689 3,778,418 4,998,766
Debt Instruments Eligible to Compose Capital (note 19) 3,683,973 2,523,206 1,925,772
Pension Plans (note 21) 133,070 241,133 189,138
Other interest (1) 36,709,340 6,586,994 15,912,731
Total 104,860,321 80,504,918 81,398,673
(1) It is mainly composed of Interest Expenses from Repurchase Agreements and Expenses from Financial Bills and Other Private Securities.