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Loans and advances to customers (Tables)
 12 Months Ended
Dec. 31, 2025
Notes and other explanatory information [abstract]  
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
   
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
   
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
                   
                    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
   
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
       
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
   
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
     
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
   
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
       
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
   
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