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v3.25.1

INSURANCE CONTRACTS (Details 4) - BRL (R$) R$ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023
IfrsStatementLineItems [Line Items] |  |
Opening balances on January 1, 2023 | R$ 344,792,222 |
Balance on December 31, 2023 | 378,792,820 | R$ 344,792,222
LIC [Member] |  |
IfrsStatementLineItems [Line Items] |  |
Opening balances on January 1, 2023 | 13,643,590 | 12,231,236
Costs of providing insurance | 40,834,556 | 39,491,813
Claims incurred and other insurance expenses* | 40,834,556 | 39,491,813
Liability adjustments for incurred claims | (13,349) | (189,243)
Financial expenses of insurance contracts | 988,659 | 989,912
Changes recognized in other comprehensive income | (365,657) | 161,064
Estimated cash flows | (39,705,838) | (39,041,192)
Claims and other insurance costs paid | (39,705,419) | (39,041,192)
Transfer of portfolio | (419) |
Balance on December 31, 2023 | 15,381,961 | 13,643,590
Estimates of present value of future cash flows [member] | LIC - BBA e VFA [Member] |  |
IfrsStatementLineItems [Line Items] |  |
Opening balances on January 1, 2023 | 1,302,912 | 2,043,558
Costs of providing insurance | 5,017,325 | 3,849,897
Claims incurred and other insurance expenses* | 5,017,325 | 3,849,897
Liability adjustments for incurred claims | 47,381 | (62,024)
Financial expenses of insurance contracts | 113,966 | 132,910
Changes recognized in other comprehensive income | (43,788) | 20,379
Estimated cash flows | (4,649,021) | (4,681,808)
Claims and other insurance costs paid | (4,649,021) | (4,681,808)
Transfer of portfolio |  |
Balance on December 31, 2023 | 1,788,775 | 1,302,912
Risk adjustment for non-financial risk [member] | LIC - BBA e VFA [Member] |  |
IfrsStatementLineItems [Line Items] |  |
Opening balances on January 1, 2023 | 71,947 | 52,341
Costs of providing insurance | (8,625) | 14,279
Claims incurred and other insurance expenses* | (8,625) | 14,279
Liability adjustments for incurred claims |  |
Financial expenses of insurance contracts | 6,708 | 4,024
Changes recognized in other comprehensive income | (4,591) | 1,303
Estimated cash flows |  |
Claims and other insurance costs paid |  |
Transfer of portfolio |  |
Balance on December 31, 2023 | 65,439 | 71,947
Risk adjustment for non-financial risk [member] | LIC - PAA [Member] |  |
IfrsStatementLineItems [Line Items] |  |
Opening balances on January 1, 2023 | 421,097 | 249,507
Costs of providing insurance | (5,557) | 144,237
Claims incurred and other insurance expenses* | (5,557) | 144,237
Liability adjustments for incurred claims |  |
Financial expenses of insurance contracts | 30,374 | 21,979
Changes recognized in other comprehensive income | (27,539) | 5,374
Estimated cash flows |  |
Claims and other insurance costs paid |  |
Transfer of portfolio |  |
Balance on December 31, 2023 | 418,375 | 421,097
Insurance contracts other than those to which premium allocation approach has been applied [member] | LIC - BBA e VFA [Member] |  |
IfrsStatementLineItems [Line Items] |  |
Opening balances on January 1, 2023 | 1,374,859 | 2,095,899
Costs of providing insurance | 5,008,700 | 3,864,176
Claims incurred and other insurance expenses* | 5,008,700 | 3,864,176
Liability adjustments for incurred claims | 47,381 | (62,024)
Financial expenses of insurance contracts | 120,674 | 136,934
Changes recognized in other comprehensive income | (48,379) | 21,682
Estimated cash flows | (4,649,021) | (4,681,808)
Claims and other insurance costs paid | (4,649,021) | (4,681,808)
Transfer of portfolio |  |
Balance on December 31, 2023 | 1,854,214 | 1,374,859
Insurance contracts other than those to which premium allocation approach has been applied [member] | LIC - PAA [Member] |  |
IfrsStatementLineItems [Line Items] |  |
Opening balances on January 1, 2023 | 12,268,731 | 10,135,337
Costs of providing insurance | 35,825,856 | 35,627,637
Claims incurred and other insurance expenses* | 35,825,856 | 35,627,637
Liability adjustments for incurred claims | (60,730) | (127,219)
Financial expenses of insurance contracts | 867,985 | 852,978
Changes recognized in other comprehensive income | (317,278) | 139,382
Estimated cash flows | (35,056,817) | (34,359,384)
Claims and other insurance costs paid | (35,056,398) | (34,359,384)
Transfer of portfolio | (419) |
Balance on December 31, 2023 | 13,527,747 | 12,268,731
Insurance contracts to which premium allocation approach has been applied [member] | LIC - PAA [Member] |  |
IfrsStatementLineItems [Line Items] |  |
Opening balances on January 1, 2023 | 11,847,634 | 9,885,830
Costs of providing insurance | 35,831,413 | 35,483,400
Claims incurred and other insurance expenses* | 35,831,413 | 35,483,400
Liability adjustments for incurred claims | (60,730) | (127,219)
Financial expenses of insurance contracts | 837,611 | 830,999
Changes recognized in other comprehensive income | (289,739) | 134,008
Estimated cash flows | (35,056,817) | (34,359,384)
Claims and other insurance costs paid | (35,056,398) | (34,359,384)
Transfer of portfolio | (419) |
Balance on December 31, 2023 | R$ 13,109,372 | R$ 11,847,634

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- Definition The increase (decrease) in insurance contracts liability (asset) resulting from insurance acquisition cash flows. Insurance acquisition cash flows are cash flows arising from the costs of selling, underwriting and starting a group of insurance contracts (issued or expected to be issued) that are directly attributable to the portfolio of insurance contracts to which the group belongs. Such cash flows include cash flows that are not directly attributable to individual contracts or groups of insurance contracts within the portfolio. [Refer: Insurance contracts liability (asset)] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2024-01-01 -Paragraph 105 -Subparagraph a -Clause ii -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2024-en-r&anchor=para_105_a_ii&doctype=Standard -URIDate 2024-03-27 + Details
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