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GROSS PROFIT FROM INSURANCE AND PENSION PLANS (Tables) | 12 Months Ended
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Dec. 31, 2024
Gross Profit From Insurance And Pension Plans |
Schedule of gross profit from insurance and pension plans |
Schedule of gross profit from insurance and pension plans |  |  |
| R$ thousands
Year ended December 31
2024 | 2023 | 2022
Revenue from PAA contracts | 49,545,938 | 44,618,387 | 38,351,543
Revenue from BBA contracts | 7,781,746 | 6,331,612 | 5,884,919
Revenue from VFA contracts | 1,925,320 | 302,828 | 8,880
Insurance Revenue | 59,253,004 | 51,252,827 | 44,245,342
Claims incurred | (39,763,947) | (38,789,671) | (33,858,844)
Acquisition costs | (5,974,953) | (3,515,668) | (3,361,916)
Administrative expenses | (3,273,232) | (3,606,269) | (3,000,573)
Onerous contracts | (1,334,682) | (70,204) | 28,461
Insurance contract expenses | (50,346,814) | (45,981,812) | (40,192,872)
Insurance result | 8,906,190 | 5,271,015 | 4,052,470
Reinsurance result | 36,070 | (35,304) | (20,144)
Gross profit from insurance and pension plans | 8,942,260 | 5,235,711 | 4,032,326

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