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OPERATING SEGMENTS (Tables)
 12 Months Ended
Dec. 31, 2024
Operating Segments  
Schedule of operating segments
                     
  On December 31, 2024 - R$ thousands    
Banking Insurance, pension and capitalization bonds Other Activities Eliminations Managerial Income Statement Proportionately consolidated (1) Consolidation adjustments (2) Adjustments (3) Consolidated in accordance with IFRS    
   
   
Revenue from financial intermediation 169,745,125 37,327,260 318,644 (408,624) 206,982,405 (1,550,303) (2,959,039) 10,746,673 213,219,736    
Expenses from financial intermediation (4) (98,810,413) (30,050,169) -   412,038 (128,448,544) 607,296 5,490,039 (21,927,944) (144,279,153)    
Financial margin 70,934,712 7,277,091 318,644 3,414 78,533,861 (943,007) 2,531,000 (11,181,271) 68,940,583    
Expected credit loss associated with credit risk (33,123,621) -   -   -   (33,123,621) -   -   5,597,688 (27,525,933)    
Gross income from financial intermediation 37,811,091 7,277,091 318,644 3,414 45,410,240 (943,007) 2,531,000 (5,583,583) 41,414,650    
Other income from insurance, pension plans and capitalization bonds -   11,520,350 -   27,238 11,547,588 -   -   (1,788,424) 9,759,164    
Fee and commission income and income from banking fees 36,213,830 1,923,437 81,549 (68,529) 38,150,287 (6,170,251) (2,325,142) (1,318,407) 28,336,487    
Personnel expenses (23,027,137) (2,451,779) (34,214) -   (25,513,130) 1,155,516 -   2,080,304 (22,277,310)    
Other administrative expenses (5) (21,498,490) (2,119,793) (37,087) 393,183 (23,262,187) 1,073,032 (276,322) (488,585) (22,954,062)    
Tax expenses (6,313,204) (1,391,406) (18,380) -   (7,722,990) 848,030 -   -   (6,874,960)    
Share of profit (loss) of associates and jointly controlled entities 121,511 243,403 843 -   365,757 1,164,800 -   1,028 1,531,585    
IR/CSI and Other income/expenses (13,425,161) (5,945,008) (164,642) (355,306) (19,890,117) 2,871,880 70,464 5,554,372 (11,393,401)    
Net Income for the year ended on December 31, 2024 9,882,440 9,056,295 146,713 -   19,085,448 -   -   (1,543,295) 17,542,153    
Total assets 1,811,529,557 451,777,909 2,712,775 (138,098,385) 2,127,921,856 (14,081,367) (60,714,873) 16,358,746 2,069,484,362    
Investments in associates and joint ventures 79,828,981 4,727,047 1,413 (79,218,884) 5,338,557 5,756,348 -   (65,893) 11,029,012    
Total liabilities 1,607,412,734 416,694,321 33,384 (58,879,501) 1,965,260,938 (14,081,367) (60,714,873) 10,077,172 1,900,541,870    
(1)Refers to: adjustments to exclude the effects of consolidation, originating from proportionally consolidated companies (Grupo Cielo, Grupo EloPar, Crediare, etc.);
(2)Consolidation adjustments originating from the “non-consolidation” of exclusive funds;
(3)Adjustments due to the differences of the accounting standards used in the management reports and in the financial statements of the Company that were prepared in accordance with IFRS. The main adjustments refer to the expected loss for financial assets, business models, effective interest rates, business combinations and insurance contracts;
(4)Includes, in the Consolidated Financial Statements, the balances referring to “Net gains / (losses) on financial assets and liabilities at fair value through profit or loss”, “Net gains / (losses) on financial assets at fair value through other comprehensive income” and “Net gains / (losses) from operations in foreign currency”; and
(5)Includes, in the Consolidated Financial Statements, the balances referring to depreciation and amortization.

 

                       
  On December 31, 2023 - R$ thousands    
Banking Insurance, pension and capitalization bonds Other Activities Eliminations Managerial Income Statement Proportionately consolidated (1) Consolidation adjustments (2) Adjustments (3) Consolidated in accordance with IFRS    
   
   
Revenue from financial intermediation 164,122,043 39,941,507 481,208 (670,653) 203,874,105 (2,864,178) (4,249,260) 27,697,126 224,457,793    
Expenses from financial intermediation (4) (97,495,630) (32,892,243) (18) 685,410 (129,702,481) 552,467 6,914,030 (34,140,071) (156,376,055)    
Financial margin 66,626,413 7,049,264 481,190 14,757 74,171,624 (2,311,711) 2,664,770 (6,442,945) 68,081,738    
Expected credit loss associated with credit risk (37,110,675) -   -   -   (37,110,675) -   -   4,993,651 (32,117,024)    
Gross income from financial intermediation 29,515,738 7,049,264 481,190 14,757 37,060,949 (2,311,711) 2,664,770 (1,449,294) 35,964,714    
Other income from insurance, pension plans and capitalization bonds -   9,800,620 -   32,469 9,833,089 -   -   (3,788,649) 6,044,440    
Fee and commission income and income from banking fees 34,269,254 1,164,685 4,899 (33,100) 35,405,738 (5,340,755) (1,879,319) (1,228,901) 26,956,763    
Personnel expenses (21,256,640) (2,651,786) (30,957) -   (23,939,383) 909,076 -   2,215,849 (20,814,458)    
Other administrative expenses (5) (20,866,134) (2,065,805) (15,531) 423,907 (22,523,563) 996,835 (618,004) (166,772) (22,311,504)    
Tax expenses (6,582,213) (1,436,686) (22,734) -   (8,041,633) 697,784 -   0 (7,343,849)    
Share of profit (loss) of associates and jointly controlled entities 151,414 421,723 -   -   573,137 1,527,554 -   990 2,101,681    
IR/CSI and Other income/expenses (9,198,676) (3,468,750) (141,073) (438,033) (13,246,532) 3,521,217 (167,447) 3,797,740 (6,095,022)    
Net Income for the year ended on December 31, 2023 6,032,743 8,813,265 275,794 -   15,121,802 -   -   (619,037) 14,502,765    
Total assets 1,661,529,233 409,370,722 3,277,809 (110,126,067) 1,964,051,697 (10,074,444) (38,502,618) 12,048,614 1,927,523,249    
Investments in associates and joint ventures 73,163,988 3,028,413 1,105 (72,298,485) 3,895,021 5,792,357 -   (70,538) 9,616,840    
Total liabilities 1,468,271,968 370,561,631 68,561 (37,827,582) 1,801,074,578 (10,074,444) (38,502,618) 8,011,609 1,760,509,125    
(1)Refers to: consolidation adjustments, originating from proportionally consolidated companies (Grupo Cielo, Grupo EloPar, Crediare, etc.);
(2)Consolidation adjustments originating from the “non-consolidation” of exclusive funds;
(3)Adjustments due to differences in accounting standards used in management reports and in the financial statements of the Company that were prepared in IFRS. The main adjustments refer to the expected loss of financial assets, business models, effective interest rates, business combinations and insurance contracts;
(4)Includes, in the Consolidated Financial Statements, the balances referring to “Net gains / (losses) on financial assets and liabilities at fair value through profit or loss”, “Net gains / (losses) on financial assets at fair value through other comprehensive income” and “Net gains / (losses) from operations in foreign currency”; and
(5)Includes, in the Consolidated Financial Statements, the balances referring to depreciation and amortization.
                       
  On December 31, 2022 - R$ thousands    
Banking Insurance, pension and capitalization bonds Other Activities Eliminations Managerial Income Statement Proportionately consolidated (1) Consolidation adjustments (2) Adjustments (3) Consolidated in accordance with IFRS    
   
   
Revenue from financial intermediation 151,198,428 36,250,128 400,777 (1,121,214) 186,728,119 (2,624,549) (2,167,017) 23,976,721 205,913,274    
Expenses from financial intermediation (4) (81,330,918) (29,163,334) (22) 1,121,214 (109,373,060) 484,249 4,765,294 (26,678,396) (130,801,913)    
Financial margin 69,867,510 7,086,794 400,755 -   77,355,059 (2,140,300) 2,598,277 (2,701,675) 75,111,361    
Expected credit loss associated with credit risk (31,525,873) -   -   -   (31,525,873) 43,142 -   7,715,896 (23,766,835)    
Gross income from financial intermediation 38,341,637 7,086,794 400,755 -   45,829,186 (2,097,158) 2,598,277 5,014,221 51,344,526    
Other income from insurance, pension plans and capitalization bonds -   7,425,337 -   35,507 7,460,844 -   -   (2,570,784) 4,890,060    
Fee and commission income and income from banking fees 33,802,362 1,701,005 7,274 (36,169) 35,474,472 (4,977,457) (1,976,003) (1,396,892) 27,124,120    
Personnel expenses (20,321,773) (2,377,250) (4,284) -   (22,703,307) 763,928 -   2,050,327 (19,889,052)    
Other administrative expenses (5) (20,949,621) (1,635,857) (7,895) 530,420 (22,062,953) 1,035,520 (594,059) (259,560) (21,881,052)    
Tax expenses (6,880,656) (1,188,335) (18,530) -   (8,087,521) 521,838 -   -   (7,565,683)    
Share of profit (loss) of associates and jointly controlled entities 107,424 125,038 -   -   232,462 1,170,081 -   (46,617) 1,355,926    
IR/CSI and Other income/expenses (10,144,532) (4,621,808) (114,913) (529,758) (15,411,011) 3,583,248 (28,215) (2,066,097) (13,922,075)    
Net Income for the year ended on December 31, 2022 13,954,841 6,514,924 262,407 -   20,732,172 -   -   724,598 21,456,770    
Total assets 1,571,006,747 371,322,607 3,871,114 (115,953,851) 1,830,246,617 (10,617,211) (40,304,939) 12,964,325 1,792,288,792    
Investments in associates and joint ventures 68,419,475 2,950,880 1,191 (67,811,381) 3,560,165 5,481,876 -   (71,528) 8,970,513    
Total liabilities 1,384,018,647 338,204,857 154,249 (48,142,468) 1,674,235,285 (10,617,211) (40,304,939) 8,964,820 1,632,277,955    
(1)Refers to: consolidation adjustments, originating from proportionally consolidated companies (Grupo Cielo, Grupo EloPar, Crediare, etc.);
(2)Consolidation adjustments originating from the “non-consolidation” of exclusive funds;
(3)Adjustments due to differences in accounting standards used in management reports and in the Group's financial statements that were prepared in IFRS. The main adjustments refer to the expected loss of financial assets, business models, effective interest rate, business combination and insurance contracts;
(4)Includes, in the Consolidated Financial Statements, the balances referring to “Net gains/(losses) on financial assets and liabilities at fair value through profit or loss”, “Net gains / (losses) on financial assets at fair value through other comprehensive income” and “Net gains/(losses) from operations in foreign currency”; and
(5)Includes, in the Consolidated Financial Statements, the balances referring to depreciation and amortization.