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Expected Credit Losses on Financial Assets and Reconciliation of carrying amount (Details) - BRL (R$) R$ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2023 | Dec. 31, 2022
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | R$ 177,681,987 |
Financial assets at end of period | 229,197,214 | R$ 177,681,987
Stage 1 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 77,959,473 | 56,939,843
Acquisition / (Settlements) | 22,763,620 | 21,715,936
Business Combination | 1,284,947 |
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets | (2,295,553) | (1,186,760)
Stage 1 to Stage 3 | (198,592) | (12,373)
Stage 2 to Stage 1 | 711,412 | 502,822
Stage 3 To Stage 1 | 44 | 5
Decrease through write-off, financial assets | (6,975) |
Financial assets at end of period | 100,218,376 | 77,959,473
Stage 2 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 1,328,709 | 746,402
Acquisition / (Settlements) | (86,385) | (94,996)
Business Combination | 3,042 |
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets | 2,295,553 | 1,186,760
Stage 2 to Stage 1 | (711,412) | (502,823)
Stage 2 to Stage 3 | (33,246) | (6,642)
Stage 3 to Stage 2 | 142 | 8
Decrease through write-off, financial assets | (10,202) |
Financial assets at end of period | 2,786,201 | 1,328,709
Stage 3 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 19,319 | 3,499
Acquisition / (Settlements) | (11,034) | (3,182)
Business Combination | 18,083 |
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets |  | 12,373
Stage 1 to Stage 3 | 198,592 |
Stage 2 to Stage 1 |  | (5)
Stage 2 to Stage 3 | 33,246 | (8)
Stage 3 To Stage 1 | (44) |
Stage 3 to Stage 2 | (142) | 6,642
Decrease through write-off, financial assets | (20,890) |
Financial assets at end of period | 237,130 | 19,319
Consolidated Stages |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 79,307,501 | 57,689,744
Acquisition / (Settlements) | 22,666,202 | 21,617,757
Business Combination | 1,306,072 |
Decrease through write-off, financial assets | 38,068 |
Financial assets at end of period | 103,241,707 | 79,307,501
Total on-balance exposures | Stage 1 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 73,200,175 | 55,631,857
Acquisition / (Settlements) | 19,093,545 | 18,076,043
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets | (1,800,466) | (945,055)
Stage 1 to Stage 3 | (193,066) | (12,373)
Stage 2 to Stage 1 | 518,241 | 449,698
Stage 3 To Stage 1 | 27 | 5
Decrease through write-off, financial assets | 6,975 |
Financial assets at end of period | 91,894,479 | 73,200,175
Total on-balance exposures | Stage 2 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 1,073,170 | 686,994
Acquisition / (Settlements) | (111,875) | (102,544)
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets | 1,800,466 | 945,055
Stage 2 to Stage 1 | (518,241) | (449,698)
Stage 2 to Stage 3 | (33,238) | (6,642)
Stage 3 to Stage 2 | 117 | 5
Decrease through write-off, financial assets | 10,202 |
Financial assets at end of period | 2,202,931 | 1,073,170
Total on-balance exposures | Stage 3 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 19,319 | 3,494
Acquisition / (Settlements) | (11,003) | (3,180)
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets |  | 12,373
Stage 1 to Stage 3 | 193,066 |
Stage 2 to Stage 1 |  | (5)
Stage 2 to Stage 3 | 33,238 | (5)
Stage 3 To Stage 1 | (27) |
Stage 3 to Stage 2 | (117) | 6,642
Decrease through write-off, financial assets | 20,890 |
Financial assets at end of period | 231,590 | 19,319
Total on-balance exposures | Consolidated Stages |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 74,292,664 | 56,322,345
Acquisition / (Settlements) | 18,970,668 | 17,970,319
Business Combination | 1,103,736 |
Decrease through write-off, financial assets | 38,068 |
Financial assets at end of period | 94,329,000 | 74,292,664
Total on-balance exposures | Loans and credit card operations | Stage 1 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Business Combination | 1,082,998 |
Total on-balance exposures | Loans and credit card operations | Stage 2 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Business Combination | 2,734 |
Total on-balance exposures | Loans and credit card operations | Stage 3 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Business Combination | 18,004 |
Financial assets at fair value through other comprehensive income | Securities | Stage 1 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 35,150,599 | 32,339,904
Acquisition / (Settlements) | 8,543,238 | 2,810,695
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets | 0 | 0
Stage 1 to Stage 3 | 0 | 0
Stage 2 to Stage 1 | 0 | 0
Stage 3 To Stage 1 | 0 | 0
Financial assets at end of period | 43,693,837 | 35,150,599
Financial assets at fair value through other comprehensive income | Securities | Consolidated Stages |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 35,150,599 | 32,339,904
Acquisition / (Settlements) | 8,543,238 | 2,810,695
Business Combination | 0 |
Decrease through write-off, financial assets | 0 |
Financial assets at end of period | 43,693,837 | 35,150,599
Financial assets amortized cost | Securities | Stage 1 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 9,275,027 | 2,241,304
Acquisition / (Settlements) | (2,413,534) | 7,033,723
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets | 0 | 0
Stage 1 to Stage 3 | 0 | 0
Stage 2 to Stage 1 | 0 | 0
Stage 3 To Stage 1 | 0 | 0
Financial assets at end of period | 6,861,493 | 9,275,027
Financial assets amortized cost | Securities | Consolidated Stages |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 9,275,027 | 2,241,304
Acquisition / (Settlements) | (2,413,534) | 7,033,723
Business Combination | 0 |
Decrease through write-off, financial assets | 0 |
Financial assets at end of period | 6,861,493 | 9,275,027
Financial assets amortized cost | Securities purchased under agreements to resell | Stage 1 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 7,606,501 | 8,897,100
Acquisition / (Settlements) | 7,285,280 | (1,290,599)
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets | 0 | 0
Stage 1 to Stage 3 | 0 | 0
Stage 2 to Stage 1 | 0 | 0
Stage 3 To Stage 1 | 0 | 0
Financial assets at end of period | 14,891,781 | 7,606,501
Financial assets amortized cost | Securities purchased under agreements to resell | Consolidated Stages |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 7,606,501 | 8,897,100
Acquisition / (Settlements) | 7,285,280 | (1,290,599)
Business Combination | 0 |
Decrease through write-off, financial assets | 0 |
Financial assets at end of period | 14,891,781 | 7,606,501
Financial assets amortized cost | Loans and credit card operations | Stage 1 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 21,168,048 | 12,153,549
Acquisition / (Settlements) | 5,678,561 | 9,522,224
Business Combination | 1,082,998 |
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets | (1,800,466) | (945,055)
Stage 1 to Stage 3 | (193,066) | (12,373)
Stage 2 to Stage 1 | 518,241 | 449,698
Stage 3 To Stage 1 | 27 | 5
Decrease through write-off, financial assets | 6,975 |
Financial assets at end of period | 26,447,368 | 21,168,048
Financial assets amortized cost | Loans and credit card operations | Stage 2 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 1,073,170 | 686,994
Acquisition / (Settlements) | (111,875) | (102,544)
Business Combination | 2,734 |
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets | 1,800,466 | 945,055
Stage 2 to Stage 1 | (518,241) | (449,698)
Stage 2 to Stage 3 | (33,238) | (6,642)
Stage 3 to Stage 2 | 117 | 5
Decrease through write-off, financial assets | 10,202 |
Financial assets at end of period | 2,202,931 | 1,073,170
Financial assets amortized cost | Loans and credit card operations | Stage 3 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 19,319 | 3,494
Acquisition / (Settlements) | (11,003) | (3,180)
Business Combination | 18,004 |
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets |  | 12,373
Stage 1 to Stage 3 | 193,066 |
Stage 2 to Stage 1 |  | (5)
Stage 2 to Stage 3 | 33,238 | (5)
Stage 3 To Stage 1 | (27) |
Stage 3 to Stage 2 | (117) | 6,642
Decrease through write-off, financial assets | 20,890 |
Financial assets at end of period | 231,590 | 19,319
Financial assets amortized cost | Loans and credit card operations | Consolidated Stages |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 22,260,537 | 12,844,037
Acquisition / (Settlements) | 5,555,684 | 9,416,500
Business Combination | 1,103,736 |
Decrease through write-off, financial assets | 38,068 |
Financial assets at end of period | 28,881,889 | 22,260,537
Off-balance exposures (credit card limits) | Stage 1 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 4,759,298 | 1,307,986
Acquisition / (Settlements) | 3,670,075 | 3,639,893
Business Combination | 201,949 |
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets | (495,087) | (241,705)
Stage 1 to Stage 3 | (5,526) | 0
Stage 2 to Stage 1 | 193,171 | 53,124
Stage 2 to Stage 3 |  | 0
Stage 3 To Stage 1 | 17 |
Decrease through write-off, financial assets | 0 |
Financial assets at end of period | 8,323,897 | 4,759,298
Off-balance exposures (credit card limits) | Stage 2 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 255,539 | 59,408
Acquisition / (Settlements) | 25,490 | 7,548
Business Combination | 308 |
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets | 495,087 | 241,705
Stage 2 to Stage 1 | (193,171) | (53,125)
Stage 2 to Stage 3 | (8) | 0
Stage 3 to Stage 2 | 25 | 3
Decrease through write-off, financial assets | 0 |
Financial assets at end of period | 583,270 | 255,539
Off-balance exposures (credit card limits) | Stage 3 |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 0 | 5
Acquisition / (Settlements) | (31) | (2)
Business Combination | 79 |
Increase (Decrease) Through Transfers From Stage 1 To Stage 2 Financial Assets |  | 0
Stage 1 to Stage 3 | 5,526 |
Stage 2 to Stage 1 |  | 0
Stage 2 to Stage 3 | 8 | (3)
Stage 3 To Stage 1 | (17) |
Stage 3 to Stage 2 | (25) | 0
Decrease through write-off, financial assets | 0 |
Financial assets at end of period | 5,540 | 0
Off-balance exposures (credit card limits) | Consolidated Stages |  |
Disclosure of financial assets that are either past due or impaired [line items] |  |
Financial assets at beginning of period | 5,014,837 | 1,367,399
Acquisition / (Settlements) | 3,695,534 | 3,647,438
Business Combination | 202,336 |
Decrease through write-off, financial assets | 0 |
Financial assets at end of period | R$ 8,912,707 | R$ 5,014,837

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