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Capital management and fair values of financial instruments (Tables) | 12 Months Ended
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Dec. 31, 2021
Capital management and fair values of financial instruments |
Summary of regulatory capital and capital maintenance requirement | ​
​ | ​ | ​ | ​ | ​ | ​
​ |  | 12/31/2021 |  | 12/31/2020 |
Reference Equity (RE) |  | 7,955,238 |  | 3,077,952 | ​
Reference Equity - Tier 1 (RE tier I) |  | 7,955,238 |  | 3,077,952 | ​
Common equity Tier 1 (CET1) |  | 7,955,238 |  | 3,077,952 | ​
Risk-Weighed Assets - RWA |  | 17,953,263 |  | 9,643,109 | ​
RWA for Credit Risk by Standardized Approach - RWACPAD |  | 16,198,394 |  | 8,064,303 | ​
RWA for Market Risk- RWAMPAD |  | 323,581 |  | 476,759 | ​
RWA fpr Operational Risk By Standardized Approach - RWAOPAD |  | 1,431,287 |  | 1,102,047 | ​
Capital Requirement |  |  |  |  | ​
Minimum Main Capital Required for RWA |  | 807,897 |  | 433,940 | ​
Minimum Required Reference Equity Level I for RWA |  | 1,077,196 |  | 578,587 | ​
Minimum Required Reference Equity for RWA |  | 1,436,261 |  | 771,449 | ​
Margin on Capital Requirements |  |  |  |  | ​
Margin on Required Main Capital |  | 7,147,341 |  | 2,644,013 | ​
Margin on Required Reference Equity Level I |  | 6,878,042 |  | 2,499,366 | ​
Common equity tier 1 capital index (CET1/RWA) |  | 44.3 | % | 31.9 | %
Tier 1 capital index (RED tierI / RWA) |  | 44.3 | % | 31.9 | %
Basel index (RE / RWA) |  | 44.3 | % | 31.9 | %
Summary of financial assets and liabilities according to the accounting classification | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Accounting value |  | Fair value
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Financial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Fair value | ​ | Fair value other | ​ | ​ | ​ | liabilities at | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | through | ​ | comprehensive | ​ | Amortized | ​ | amortized | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | profit or loss |  | income |  | cost |  | cost |  | Total |  | Level 1 |  | Level 2 |  | Level 3 |  | Total
On December 31, 2021; |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Financial assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash and cash equivalents |  | — |  | — |  | 500,446 |  | — |  | 500,446 |  | — |  | — |  | — |  | —
Amounts due from financial institutions |  | — |  | — |  | 2,051,862 |  | — |  | 2,051,862 |  | — |  | — |  | — |  | —
Loans and advances to customers |  | — |  | — |  | 17,216,362 |  | — |  | 17,216,362 |  | — |  | — |  | — |  | —
Securities |  | 778,417 |  | 11,137,938 |  | 841,332 |  | — |  | 12,757,687 |  | — |  | 11,914,753 |  | — |  | 11,914,753
Derivative financial instruments |  | 86,948 |  | — |  | — |  | — |  | 86,948 |  | — |  | 86,948 |  | — |  | 86,948
Other assets(*) |  | — |  | — |  | 792,735 |  | — |  | 792,735 |  | — |  | — |  | 77,387 |  | 77,387
Total financial assets |  | 865,365 |  | 11,137,938 |  | 21,402,736 |  | — |  | 33,406,040 |  | — |  | 12,001,701 |  | 77,387 |  | 12,079,088
Financial liabilities |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Liabilities with financial institutions |  | — |  | — |  | — |  | 5,341,464 |  | 5,341,464 |  | — |  | — |  | — |  | —
Liabilities with customers |  | — |  | — |  | — |  | 18,333,543 |  | 18,333,543 |  | — |  | — |  | — |  | —
Securities issued |  | — |  | — |  | — |  | 3,572,093 |  | 3,572,093 |  | — |  | — |  | — |  | —
Derivative financial instruments |  | 66,545 |  | — |  | — |  | — |  | 66,545 |  | — |  | 66,545 |  | — |  | 66,545
Borrowing and onlending |  | — |  | — |  | — |  | 25,071 |  | 25,071 |  | — |  | — |  | — |  | —
Other liabilities |  | — |  | — |  | — |  | 617,349 |  | 617,349 |  | — |  | — |  | — |  | —
Total financial liabilities |  | 66,545 |  | — |  | — |  | 27,889,520 |  | 27,956,065 |  | — |  | 66,545 |  | — |  | 66,545
(*) | The financial assets classified as “Level 3”, consists substantially of amounts relating to the variable portion of the sale of 40% of the subsidiary Inter Digital Corretora e Consultoria de Seguros Ltda. (“Inter Seguros”), to Wiz Soluções e Corretagem de Seguros S.A. (“Wiz”) on May 8, 2019. The purchase and sale contract includes cash consideration of R$ 45,000 and contingent consideration to be paid based on Inter Seguros’ EBITDA in 2021, 2022, 2023 and 2024.
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Accounting value |  | Fair value
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Financial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Fair value | ​ | Fair value other | ​ | ​ | ​ | liabilities at | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | through | ​ | comprehensive | ​ | Amortized | ​ | amortized | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | profit or loss |  | income |  | cost |  | cost |  | Total |  | Level 1 |  | Level 2 |  | Level 3 |  | Total
On December 31, 2020; | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Financial assets | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Cash and cash equivalents |  | — |  | — |  | 2,154,687 |  | — |  | 2,154,687 |  | — |  | — |  | — |  | —
Amounts due from financial institutions |  | — |  | — |  | 502,369 |  | — |  | 502,369 |  | — |  | — |  | — |  | —
Compulsory deposits at Banco Central do Brasil |  | — |  | — |  | 1,709,729 |  | — |  | 1,709,729 |  | — |  | — |  | — |  | —
Loans and advances to customers |  | — |  | — |  | 8,790,058 |  | — |  | 8,790,058 |  | — |  | — |  | — |  | —
Securities |  | 205,239 |  | 5,291,154 |  | 316,229 |  | — |  | 5,812,622 |  | — |  | 5,497,153 |  | — |  | 5,497,153
Derivative financial instruments |  | 27,513 |  | — |  | — |  | — |  | 27,513 |  | — |  | 27,513 |  | — |  | 27,513
Other assets (*) |  | — |  | — |  | 518,681 |  | — |  | 518,681 |  | — |  | — |  | 109,216 |  | 109,216
Total financial assets |  | 232,752 |  | 5,291,154 |  | 13,991,753 |  | — |  | 19,515,659 |  | — |  | 5,524,666 |  | 109,216 |  | 5,633,882
Financial liabilities | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Liabilities with financial institutions |  | — |  | — |  | — |  | 1,756,913 |  | 1,756,913 |  | — |  | — |  | — |  | —
Liabilities with customers |  | — |  | — |  | — |  | 12,436,632 |  | 12,436,632 |  | — |  | — |  | — |  | —
Securities issued |  | — |  | — |  | — |  | 1,729,436 |  | 1,729,436 |  | — |  | — |  | — |  | —
Derivative financial instruments |  | 56,758 |  | — |  | — |  | — |  | 56,758 |  | — |  | 56,758 |  | — |  | 56,758
Borrowing and onlending |  | — |  | — |  | — |  | 27,405 |  | 27,405 |  | — |  | — |  | — |  | —
Other liabilities |  | — |  | — |  | — |  | 475,420 |  | 475,420 |  | — |  | — |  | — |  | —
Total financial liabilities |  | 56,758 |  | — |  | — |  | 16,425,806 |  | 16,482,564 |  | — |  | 56,758 |  | — |  | 56,758
(*) | The financial assets classified as “Level 3”, consists substantially of amounts relating to the variable portion of the sale of 40% of the subsidiary Inter Digital Corretora e Consultoria de Seguros Ltda. (“Inter Seguros”), to Wiz Soluções e Corretagem de Seguros S.A. (“Wiz”) on May 8, 2019. The purchase and sale contract includes cash consideration of R$ 45,000 and contingent consideration to be paid based on Inter Seguros’ EBITDA in 2021, 2022, 2023 and 2024.
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