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INSURANCE CONTRACTS (Details 3) - 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
Insurance contracts other than those to which premium allocation approach has been applied [member]    
IfrsStatementLineItems [Line Items]    
Opening balances on January 1, 2023 331,148,632 292,524,729
Changes related to current period (Insurance revenue) (59,253,004) (51,252,827)
Total retrospective method contracts (2,353,052) (2,169,092)
Fair value method contracts (5,658,911) (3,852,591)
Issuance of contracts after transition (Other contracts) (1,652,256) (881,612)
Experience adjustments (42,847) 12,764
Appropriation relating to contracts premium allocation approach (49,545,938) (44,362,296)
Technical changes related to future periods 1,225,658 3,740,401
Changes in estimates that adjust the contract service margin (507,098) (25,709)
Changes in estimates that do not adjust the contract service margin (ORA) (3,550,695) 1,710,476
Experience adjustments 1,623,257 693,687
Contracts initially recognized in the period 3,660,194 1,361,947
Insurance expenses 5,424,807 3,585,872
Constitution of onerous contracts 1,334,682 70,204
Commission Expense 4,090,125 3,515,668
Financial expenses 29,152,854 32,896,145
Financial expenses of insurance contracts 29,152,854 32,896,145
Cash flows 55,711,912 49,654,313
Premiums received 101,836,940 91,705,947
Investment component (41,788,964) (38,534,315)
Insurance acquisition costs cash flow (4,336,064) (3,517,319)
Balance on December 31, 2023 363,410,859 331,148,632
Insurance contracts other than those to which premium allocation approach has been applied [member] | BBAVFA [Member]    
IfrsStatementLineItems [Line Items]    
Opening balances on January 1, 2023 327,891,751 288,542,803
Changes related to current period (Insurance revenue) (9,707,066) (6,890,595)
Total retrospective method contracts (2,353,052) (2,169,156)
Fair value method contracts (5,658,911) (3,852,591)
Issuance of contracts after transition (Other contracts) (1,652,256) (881,612)
Experience adjustments (42,847) 12,764
Appropriation relating to contracts premium allocation approach
Technical changes related to future periods 1,843,681 6,225,483
Changes in estimates that adjust the contract service margin (507,098) (25,709)
Changes in estimates that do not adjust the contract service margin (ORA) (3,550,695) 1,710,476
Experience adjustments 1,623,257 693,687
Contracts initially recognized in the period 4,278,217 3,847,029
Insurance expenses 1,558,844 186,116
Constitution of onerous contracts 1,334,682 69,302
Commission Expense 224,162 116,814
Financial expenses 29,152,854 32,896,145
Financial expenses of insurance contracts 29,152,854 32,896,145
Cash flows 9,257,678 6,931,799
Premiums received 51,516,743 45,717,933
Investment component (41,788,964) (38,534,315)
Insurance acquisition costs cash flow (470,101) (251,819)
Balance on December 31, 2023 359,997,742 327,891,751
Insurance contracts other than those to which premium allocation approach has been applied [member] | PPA [Member]    
IfrsStatementLineItems [Line Items]    
Opening balances on January 1, 2023 3,256,881 3,981,926
Changes related to current period (Insurance revenue) (49,545,938) (44,362,232)
Total retrospective method contracts 64
Fair value method contracts
Issuance of contracts after transition (Other contracts)
Experience adjustments
Appropriation relating to contracts premium allocation approach (49,545,938) (44,362,296)
Technical changes related to future periods (618,023) (2,485,082)
Changes in estimates that adjust the contract service margin
Changes in estimates that do not adjust the contract service margin (ORA)
Experience adjustments
Contracts initially recognized in the period (618,023) (2,485,082)
Insurance expenses 3,865,963 3,399,756
Constitution of onerous contracts 902
Commission Expense 3,865,963 3,398,854
Financial expenses
Financial expenses of insurance contracts
Cash flows 46,454,234 42,722,514
Premiums received 50,320,197 45,988,014
Investment component
Insurance acquisition costs cash flow (3,865,963) (3,265,500)
Balance on December 31, 2023 3,413,117 3,256,881
Net liabilities or assets for remaining coverage excluding loss component [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | BEL [Member]    
IfrsStatementLineItems [Line Items]    
Opening balances on January 1, 2023 295,007,749 258,267,184
Changes related to current period (Insurance revenue) (5,297,914) (3,601,931)
Total retrospective method contracts (596,582) (647,949)
Fair value method contracts (3,979,828) (2,683,054)
Issuance of contracts after transition (Other contracts) (678,657) (283,692)
Experience adjustments (42,847) 12,764
Appropriation relating to contracts premium allocation approach
Technical changes related to future periods (1,221,520) 1,288,676
Changes in estimates that adjust the contract service margin 4,826,038 4,153,449
Changes in estimates that do not adjust the contract service margin (ORA) (3,443,788) 1,665,457
Experience adjustments 3,219
Contracts initially recognized in the period (2,606,989) (4,530,230)
Insurance expenses 224,162 116,814
Constitution of onerous contracts
Commission Expense 224,162 116,814
Financial expenses 28,159,122 32,005,207
Financial expenses of insurance contracts 28,159,122 32,005,207
Cash flows 9,257,678 6,931,799
Premiums received 51,516,743 45,717,933
Investment component (41,788,964) (38,534,315)
Insurance acquisition costs cash flow (470,101) (251,819)
Balance on December 31, 2023 326,129,277 295,007,749
Net liabilities or assets for remaining coverage excluding loss component [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | RA [Member]    
IfrsStatementLineItems [Line Items]    
Opening balances on January 1, 2023 1,832,047 1,892,919
Changes related to current period (Insurance revenue) (168,464) (171,746)
Total retrospective method contracts (30,954) (42,010)
Fair value method contracts (114,747) (124,431)
Issuance of contracts after transition (Other contracts) (22,763) (5,305)
Experience adjustments
Appropriation relating to contracts premium allocation approach
Technical changes related to future periods (71,048) (41,170)
Changes in estimates that adjust the contract service margin (128,048) (274,166)
Changes in estimates that do not adjust the contract service margin (ORA) (106,907) 44,725
Experience adjustments
Contracts initially recognized in the period 163,907 188,271
Insurance expenses
Constitution of onerous contracts
Commission Expense
Financial expenses 121,126 152,044
Financial expenses of insurance contracts 121,126 152,044
Cash flows
Premiums received
Investment component
Insurance acquisition costs cash flow
Balance on December 31, 2023 1,713,661 1,832,047
Net liabilities or assets for remaining coverage excluding loss component [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | CSM [Member]    
IfrsStatementLineItems [Line Items]    
Opening balances on January 1, 2023 24,414,758 22,162,317
Changes related to current period (Insurance revenue) (4,240,688) (3,116,918)
Total retrospective method contracts (1,725,516) (1,479,197)
Fair value method contracts (1,564,336) (1,045,106)
Issuance of contracts after transition (Other contracts) (950,836) (592,615)
Experience adjustments
Appropriation relating to contracts premium allocation approach
Technical changes related to future periods 3,648,437 4,632,552
Changes in estimates that adjust the contract service margin (4,692,900) (3,904,992)
Changes in estimates that do not adjust the contract service margin (ORA)
Experience adjustments 1,620,038 348,556
Contracts initially recognized in the period 6,721,299 8,188,988
Insurance expenses
Constitution of onerous contracts
Commission Expense
Financial expenses 872,606 736,807
Financial expenses of insurance contracts 872,606 736,807
Cash flows
Premiums received
Investment component
Insurance acquisition costs cash flow
Balance on December 31, 2023 24,695,113 24,414,758
Loss component [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | BEL [Member]    
IfrsStatementLineItems [Line Items]    
Opening balances on January 1, 2023 6,637,197 6,220,383
Changes related to current period (Insurance revenue)
Total retrospective method contracts
Fair value method contracts
Issuance of contracts after transition (Other contracts)
Experience adjustments
Appropriation relating to contracts premium allocation approach
Technical changes related to future periods (512,188) 345,425
Changes in estimates that adjust the contract service margin (512,188)
Changes in estimates that do not adjust the contract service margin (ORA) 294
Experience adjustments 345,131
Contracts initially recognized in the period
Insurance expenses 1,334,682 69,302
Constitution of onerous contracts 1,334,682 69,302
Commission Expense
Financial expenses 2,087
Financial expenses of insurance contracts 2,087
Cash flows
Premiums received
Investment component
Insurance acquisition costs cash flow
Balance on December 31, 2023 R$ 7,459,691 R$ 6,637,197