Schedule of Discount Rates

The discount rates were obtained based on incremental borrowing rate, as follows:

Incremental borrowing rate	Annual rate (%)	Monthly rate (%)
Contracts entered – 2023 (1)
Up to seven years	6.82	0.55
Eight to nine years	6.90	0.56
Ten to twelve years	6.99	0.57
Thirteen to twenty-two years	7.19	0.58

Contracts entered – 2024 (1)
Up to five years	6.78	0.55
Six to eleven years	6.68	0.56
Sixteen to thirty years	6.73	0.57

(1)	Monthly the Company calculates the addition to the rate to be applied to the new contracts. For the purposes of publication, these are presented at the average rates used.

Schedule of Lease Liabilities

The changes in the lease liabilities are as follows:


Balances at December 31, 2022		354
Addition		55
Lease liability received in the business combination		3
Accrued interest		38
Payment of principal portion of lease liability		(67)
Payment of interest		(5)
Disposals (contracts terminated)		(13)
Remeasurement (2)		68
Balances at December 31, 2023		433
Addition		39
Accrued interest (1)		28
Payment of principal portion of lease liability		(72)
Payment of interest		(6)
Disposals (contracts terminated)		(11)
Remeasurement (2)		18
Balances at December 31, 2024		429
Current liabilities		79
Non-current liabilities		350

(1)	Financial expenses recognized in the Statement of income are net of incorporation of the credits for PIS/Pasep and Cofins taxes on payments of rentals, in the amounts of R$1 in 2024 (R$2 on December 31, 2023).
(2)	The Company identified events that give rise to restatement and modifications of their principal contracts; the leasing liability was remeasured with an adjustment to the asset of Right of Use.

Schedule of Maturity of Lease Contracts

The cash flows of the leasing contracts are, in their majority, updated by the IPCA inflation index, annually. Below is an analysis of maturity of lease contracts:


2025		78
2026		88
2027		65
2028		28
2029		25
2030 at 2048		376
Undiscounted values		660
Embedded interest		(231)
Lease liabilities		429