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LOAN COMMITMENTS, FINANCIAL GUARANTEES AND SIMILAR INSTRUMENTS | 12 Months Ended
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Dec. 31, 2024
Loan Commitments Financial Guarantees And Similar Instruments |
LOAN COMMITMENTS, FINANCIAL GUARANTEES AND SIMILAR INSTRUMENTS |
| 24) | LOAN COMMITMENTS, FINANCIAL GUARANTEES AND SIMILAR INSTRUMENTS
The table below summarizes the total risk represented by loan commitments, financial guarantees and similar instruments:
Scheduler of loan commitments, financial guarantees and similar instruments |  |
| R$ thousands
On December 31, 2024 | On December 31, 2023
Commitments to extend credit (1) | 341,763,232 | 299,288,995
Financial guarantees (2) | 119,229,609 | 105,816,558
Letters of credit for imports | 897,221 | 439,463
Total | 461,890,062 | 405,545,016
(1) |  | Includes available lines of credit, limits for credit cards, personal loans, housing loans and overdrafts; and
(2) |  | Refers to guarantees mostly provided for Corporate customers.
Financial guarantees are conditional commitments for loans issued to ensure the performance of a customer in an obligation to a third party. There is usually the right of recourse against the customer to recover any amount paid under these guarantees. Moreover, we can retain cash or other highly liquid funds to counter-guarantee these commitments. The contracts are subject to the same credit evaluations as other loans and advances. Letters of credit are issued mainly to endorse public and private debt issue agreements including commercial paper, securities financing and similar transactions. The letters of credit are subject to customer credit evaluation by the Management. We issue letters of credit in connection with foreign trade transactions to guarantee the performance of a customer with a third party. These instruments are short-term commitments to pay the third-party beneficiary under certain contractual terms for the shipment of products. The contracts are subject to the same credit evaluation as other loans and advances.

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- Definition The disclosure of the reconciliation of changes in the loss allowance and explanation of changes in the gross carrying amount for financial instruments. Loss allowance is the allowance for expected credit losses on financial assets measured in accordance with paragraph 4.1.2 of IFRS 9, lease receivables and contract assets, the accumulated impairment amount for financial assets measured in accordance with paragraph 4.1.2A of IFRS 9 and the provision for expected credit losses on loan commitments and financial guarantee contracts. [Refer: Gross carrying amount [member]] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35H&doctype=Standard -URIDate 2024-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35I -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35I&doctype=Standard -URIDate 2024-03-27 + Details
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