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Loan operations | 12 Months Ended
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Dec. 31, 2023
Disclosure of financial assets [abstract] |
Loan Operations | Loan operations Following are the breakdown of the carrying amount of loan operations by class, sector of debtor, maturity and concentration:
Loans by type |  | 2023 |  | 2022
Pledged asset loan |  | 24,845,243 |  |  | 20,198,764 |
Retail |  | 12,366,330 |  |  | 10,932,086 |
Companies |  | 7,054,507 |  |  | 5,311,675 |
Credit card |  | 5,424,406 |  |  | 3,955,003 |
Non-pledged loan |  | 4,036,646 |  |  | 2,061,774 |
Retail |  | 764,712 |  |  | 309,468 |
Companies |  | 959,898 |  |  | 546,678 |
Credit card |  | 2,312,036 |  |  | 1,205,628 |
Total loans operations |  | 28,881,889 |  |  | 22,260,538 |
Expected Credit Loss (Note 14) |  | (329,954) |  |  | (49,377) |
Total loans operations, net of Expected Loss |  | 28,551,935 |  |  | 22,211,161 |
By maturity |  | 2023 |  | 2022
Overdue by 1 day or more |  | 329,707 |  |  | — |
Due in 3 months or less |  | 6,739,145 |  |  | 2,496,982
Due after 3 months through 12 months |  | 5,056,321 |  |  | 7,211,321 |
Due after 12 months |  | 16,756,716 |  |  | 12,552,235 |
Total Loans operations |  | 28,881,889 |  |  | 22,260,538
By concentration | 2023 |  | 2022
Largest debtor | 855,607 |  |  | 814,284 |
10 largest debtors | 2,921,734 |  |  | 2,458,714 |
20 largest debtors | 4,058,250 |  |  | 3,241,494 |
50 largest debtors | 5,579,073 |  |  | 4,484,877 |
100 largest debtors | 6,949,906 |  |  | 5,615,708 |
XP Inc offers loan products through Banco XP to its customers. The majority of the loan products offered are collateralized by customers’ investments on XP platform and credit products strictly related to investments in structured notes, in which the borrower is able to operate leveraged, retaining the structured note itself as guarantee for the loan. The reconciliation of gross carrying amount and the expected credit losses in loan operations, segregated by stage according with IFRS 9 is demonstrated in Note 14.

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