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Risk Management (Details 31) - Prudential - BRL (R$)
R$ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Calculation basis - Capital Adequacy Ratio    
Tier I capital R$ 80,084,744 R$ 78,762,886
Common Equity 75,079,777 73,747,016
Shareholders' equity 110,457,476 100,442,413
Minority / Other 68,072 60,615
Prudential adjustments [1] (35,445,771) (26,756,012)
Additional Capital 5,004,967 5,015,870
Tier II capital 24,588,090 22,363,950
Subordinated debts (Resolution No. 4.192/13) 16,947,024 9,803,498
Subordinated debts (prior to Resolution No. 4.192/13) 7,641,066 12,560,452
Reference Equity (a) 104,672,834 101,126,836
Credit risk 554,928,771 589,977,243
Market risk [2] 8,908,205 15,767,767
Operational risk 47,605,162 50,443,507
Risk-weighted assets - RWA (b) 611,442,138 656,188,517
Banking Book's Interest Rate Risk 3,527,467 4,142,339
Margin (Capital Buffer) [3] R$ 34,226,583 R$ 28,084,702
Basel ratio (a/b) 17.10% 15.40%
Tier I capital 13.10% 12.00%
- Common equity 12.30% 11.20%
- Additional Capital 0.80% 0.80%
[1] As per January 2017, the factor applied to prudential adjustments went from 60% to 80%, according to the timeline for application of deductions of prudential adjustments, defined in Article11 of CMN Resolution no 4,192/13; and
[2] For purposes of calculation of the market risk, the capital requirement will be the lower between the internal model and 80% of the standard model, pursuant to Circular Letter No. 3.646/13 of Central Bank of Brazil; and
[3] Margin = Minimum (PR – PRE; PR Level I - RWA * 6%; PR Principal - RWA * 4.5%) - Additional Principal Capital.