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Financial risk management (Tables) | 12 Months Ended
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Dec. 31, 2021
Disclosure of nature and extent of risks arising from financial instruments [abstract] |
Schedule of loans and advances to customers by credit risk rating grade | The following tables present the loans and advances to customers by credit risk rating grade where AA is the highest rating and HH the lowest. The Group considers customers with a rating of AA to C to be low risk and customers with a rating of D to HH to be high risk. ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 12/31/2021
Rating |  | Low Risk |  | High Risk |  | Total
Loans and advances to customers |  |  |  |  |  |
AA |  | 6,174,695 |  | — |  | 6,174,695
A |  | 8,879,596 |  | — |  | 8,879,596
B |  | 738,198 |  | — |  | 738,198
C |  | 769,900 |  | — |  | 769,900
D |  | — |  | 218,136 |  | 218,136
E |  | — |  | 100,651 |  | 100,651
F |  | — |  | 77,135 |  | 77,135
G |  | — |  | 82,443 |  | 82,443
H |  | — |  | 175,608 |  | 175,608
​ | ​ | ​ | ​ | ​ | ​ | ​
Total |  | 16,562,388 |  | 653,973 |  | 17,216,362
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 12/31/2020
Rating |  | Low Risk |  | High Risk |  | Total
Loans and advances to customers |  |  |  |  |  |
AA |  | 4,191,808 |  | — |  | 4,191,808
A |  | 3,795,674 |  | — |  | 3,795,674
B |  | 271,617 |  | — |  | 271,617
C |  | 271,500 |  | — |  | 271,500
D |  | — |  | 66,789 |  | 66,789
E |  | — |  | 43,607 |  | 43,607
F |  | — |  | 27,699 |  | 27,699
G |  | — |  | 26,325 |  | 26,325
H |  | — |  | 90,912 |  | 90,912
HH |  | — |  | 4,127 |  | 4,127
​ | ​ | ​ | ​ | ​ | ​ | ​
Total |  | 8,530,599 |  | 259,458 |  | 8,790,058
Schedule of loans and advances to customers by product and risk | The following tables present the loans and advances to customers by product and risk: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 12/31/2021
​ |  | Low Risk |  | High Risk |  | Total
Loans and advances to customers | ​ | ​ | ​ | ​ | ​ | ​
Payroll Card | ​ | 55,753 | ​ | 9,510 | ​ | 65,263
Credit Card |  | 4,335,866 |  | 462,452 |  | 4,798,318
Overdraft protection agreement |  | 2,663 |  | 10,199 |  | 12,862
Check Account |  | 1,255 |  | 31,979 |  | 33,234
Payroll loans and personal credit* |  | 3,315,747 |  | 152,177 |  | 3,467,924
Business loans |  | 2,962,937 |  | 54,221 |  | 3,017,158
Real Estate loans |  | 4,782,312 |  | 339,099 |  | 5,121,411
Rural loans |  | 700,192 |  | — |  | 700,192
​ |  | 16,156,725 |  | 1,059,637 |  | 17,216,362
Amounts due from financial institutions |  |  |  |  |  |
Amounts due from financial institutions |  | 2,051,862 |  | — |  | 2,051,862
​ |  | 2,051,862 |  | — |  | 2,051,862
​ | ​ | ​ | ​ | ​ | ​ | ​
Derivative financial instruments |  |  |  |  |  |
Swap |  | 66,545 |  | — |  | 66,545
​ |  | 66,545 |  | — |  | 66,545
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 12/31/2020
​ |  | Low Risk |  | High Risk |  | Total
​ | ​ | ​ | ​ | ​ | ​ | ​
Loans and advances to customers | ​ | ​ | ​ | ​ | ​ | ​
Payroll Card |  | 64,570 |  | 3,162 |  | 67,732
Credit Card |  | 1,793,872 |  | 110,770 |  | 1,904,643
Overdraft protection agreement |  | 20,193 |  | — |  | 20,193
Checking Account overdraft |  | 10,660 |  | 3,572 |  | 14,232
Payroll loans and personal credit* |  | 1,510,962 |  | 40,437 |  | 1,551,399
Business loans |  | 1,580,682 |  | 2,186 |  | 1,582,868
Real Estate loans |  | 3,372,023 |  | 99,331 |  | 3,471,354
Rural loans |  | 177,637 |  | — |  | 177,637
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 8,530,599 |  | 259,458 |  | 8,790,058
Amounts due from financial institutions |  |  |  |  |  |
Amounts due from financial institutions |  | 502,369 |  | — |  | 502,369
​ |  | 502,369 |  | — |  | 502,369
​ | ​ | ​ | ​ | ​ | ​ | ​
Derivative financial instruments |  |  |  |  |  |
Swap |  | (56,758) |  | — |  | (56,758)
​ |  | (56,758) |  | — |  | (56,758)
​
Schedule of Maximum exposure to credit risk | ​
​ | ​ | ​ | ​ | ​
​ |  | 12/31/2021 |  | 12/31/2020
Exposure to credit risk |  |  |  |
Balances of “Cash and cash equivalents” |  | 500,446 |  | 2,154,687
Amounts due from financial institutions |  | 2,051,862 |  | 502,369
Compulsory deposits at Banco Central do Brasil |  | 2,399,488 |  | 1,709,729
Derivative financial assets |  | 86,948 |  | 27,513
Loans and advances to customers |  | 17,216,362 |  | 8,790,058
Other financial assets |  | 12,757,687 |  | 5,812,622
Sub-total |  | 35,012,793 |  | 18,996,978
​ | ​ | ​ | ​ | ​
Financial guarantees provided |  | — |  | 127
Total exposure to credit risk |  | 35,012,793 |  | 18,997,105
Schedule of the credit exposure of real estate loans by loan-to-value (LTV) ratio | ​
​ | ​ | ​ | ​ | ​
​ |  | 12/31/2021 |  | 12/31/2020
​ | ​ | ​ | ​ | ​
Lower than 30 % |  | 582,421 |  | 467,960
31 – 50 % |  | 1,584,454 |  | 1,291,130
51 – 70 % |  | 2,116,015 |  | 1,314,740
71 – 90 % |  | 756,870 |  | 370,357
Higher than 90 % |  | 81,651 |  | 27,167
​ |  | 5,121,411 |  | 3,471,354
Schedule of Concentration of the portfolio of loans and advances to customers | The concentration of the portfolio of loans and advances by product is as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 12/31/2021 | ​ | 12/31/2020 |
​ | ​ | Balance | ​ | % | ​ | Balance | ​ | % |
Private Sector |  | ​ |  | ​ |  | ​ |  | ​ | ​
Payroll Card |  | 65,263 |  | 0.38 | % | 67,732 |  | 0.77 | %
Credit Card |  | 4,798,318 |  | 27.85 | % | 1,904,643 |  | 21.67 | %
Overdraft Protection Agreement |  | 12,862 |  | 0.07 | % | 20,193 |  | 0.23 | %
Check Account overdraft |  | 33,234 |  | 0.19 | % | 14,232 |  | 0.16 | %
Payroll loans and personal credit |  | 3,467,924 |  | 20.14 | % | 1,551,399 |  | 17.65 | %
Business loans |  | 3,017,158 |  | 17.52 | % | 1,582,868 |  | 18.01 | %
Real Estate loans |  | 5,121,411 |  | 29.75 | % | 3,471,354 |  | 39.49 | %
Rural loans |  | 700,192 |  | 4.07 | % | 177,637 |  | 2.02 | %
Total Portfolio |  | 17,216,362 |  | 100 | % | 8,790,058 |  | 100 | %
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 12/31/2021 | ​ | 12/31/2020 |
​ |  | ​ |  | % on Loans |  | ​ |  | % on Loans |
​ | ​ | ​ | ​ | and advances | ​ | ​ | ​ | and advances |
​ | ​ | Balance | ​ | to customers | ​ | Balance | ​ | to customers |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Largest debtor |  | 274,262 |  | 1.59 | % | 144,821 |  | 1.65 | %
Total of the 20 largest debtors |  | 2,034,977 |  | 11.82 | % | 2,145,985 |  | 24.41 | %
Total of the 50 largest debtors |  | 2,627,038 |  | 15.26 | % | 1,695,446 |  | 19.29 | %
Total of the 100 largest debtors |  | 3,138,861 |  | 18.23 | % | 2,157,462 |  | 24.54 | %
​
Schedule of loans and advances to customers by maturity | The breakdown of loans and advances to customers by maturity is as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 12/31/2021
​ |  | To fall due |  | Overdue |  | Total
Installments to fall due |  | ​ |  | ​ |  | ​
Overdue by fewer than 15 days and to fall due within 90 days |  | 2,849,136 |  | — |  | 2,849,136
To fall due between 91 and 360 days |  | 3,868,156 |  | — |  | 3,868,156
To fall due in more than 360 days |  | 8,732,081 |  | — |  | 8,732,081
Total to fall due |  | 15,449,373 |  | — |  | 15,449,373
​ | ​ | ​ | ​ | ​ | ​ | ​
Overdue installments |  |  |  |  |  |
Overdue by 15 days or more |  | — |  | 1,766,989 |  | 1,766,989
Total overdue |  | — |  | 1,766,989 |  | 1,766,989
​ | ​ | ​ | ​ | ​ | ​ | ​
Total Portfolio |  | 15,449,373 |  | 1,766,989 |  | 17,216,362
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 12/31/2020
​ |  | To fall due |  | Overdue |  | Total
Installments to fall due |  |  |  |  |  |
Overdue by fewer than 15 days and to fall due within 90 days |  | 2,593,572 |  | — |  | 2,593,572
To fall due between 91 and 360 days |  | 1,357,068 |  | — |  | 1,357,068
To fall due in more than 360 days |  | 4,637,604 |  | — |  | 4,637,604
Total to fall due |  | 8,588,244 |  | — |  | 8,588,244
​ | ​ | ​ | ​ | ​ | ​ | ​
Overdue installments |  |  |  |  |  |
Overdue by 15 days or more |  | — |  | 201,814 |  | 201,814
Total overdue |  | — |  | 201,814 |  | 201,814
​ | ​ | ​ | ​ | ​ | ​ | ​
Total Portfolio |  | 8,588,244 |  | 201,814 |  | 8,790,058
Schedule of interpretation of liquidity coverage ratio | ​
​ | ​ | ​ | ​
Interpretation of LCR with regard to minimum |  | Situation |
​ | ​ | ​ | ​
LCR below 3.00 times | ​ | Critical | ​
LCR above 2.99 and below 5.00 times | ​ | Satisfactory | ​
LCR above 4.99 and below 8.00 times | ​ | Comfortable | ​
LCR above 7.99 | ​ | Excess liquidity | ​
Schedule of the projected future realizable value of financial assets and liabilities by remaining contractual term | The table below presents the projected future realizable value of the Group’s financial assets and liabilities by contractual term: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 12/31/2021
​ |  | Explanatory |  | ​ |  | 3 months to 1 |  | ​ |  | ​
​ | ​ | note | ​ | Up to 3 months | ​ | year | ​ | Above 1 year | ​ | Total
Financial assets | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Cash and cash equivalents |  | 8 |  | 500,446 |  | — |  | — |  | 500,446
Compulsory deposits at Banco Central do Brasil |  | 10b |  | 2,399,488 |  | — |  | — |  | 2,399,488
Amounts due from financial institutions |  | 10 |  | 2,051,862 |  | — |  | — |  | 2,051,862
Securities |  | 12 |  | 474,509 |  | 203,451 |  | 12,079,727 |  | 12,757,687
Derivative Financial Instruments |  | 9 |  | 86,948 |  | — |  | — |  | 86,948
Loans and advances to customers |  | 11 |  | 4,616,124 |  | 3,868,156 |  | 8,732,082 |  | 17,216,362
Other assets |  | 17 |  | 687,336 |  | 28,012 |  | 77,387 |  | 792,735
Total financial assets |  | ​ |  | 10,816,713 |  | 4,099,619 |  | 20,889,196 |  | 35,805,528
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Financial liabilities |  |  |  |  |  |  |  |  |  |
Liabilities with financial institutions |  | 18 |  | 5,306,020 |  | 35,444 |  | — |  | 5,341,464
Liabilities with customers |  | 19 |  | 11,360,378 |  | 6,956,400 |  | 16,765 |  | 18,333,543
Securities issued |  | 20 |  | 112,591 |  | 3,349,639 |  | 109,863 |  | 3,572,093
Derivative financial instruments liabilities |  | 9 |  | — |  | 29,452 |  | 37,093 |  | 66,545
Borrowing and onlending |  | 21 |  | 99 |  | 1,087 |  | 23,886 |  | 25,071
Other liabilities |  | 24 |  | 374,327 |  | 134,744 |  | 108,277 |  | 617,349
Total financial liabilities |  | ​ |  | 17,153,415 |  | 10,506,766 |  | 295,884 |  | 27,956,065
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 12/31/2020
​ |  | Explanatory |  | Up to 3 |  | 3 months |  | Above 1 year |  | Total
​ | ​ | note | ​ | months | ​ | to 1 year | ​ | ​ | ​ | ​
Financial assets |  |  |  |  |  |  |  |  |  |
Cash and cash equivalents |  | 8 |  | 2,154,687 |  | — |  | — |  | 2,154,687
Compulsory deposits at Banco Central do Brasil |  | 10b |  | 502,369 |  | — |  | — |  | 502,369
Amounts due from financial institutions |  | 10 |  | 1,207,383 |  | 502,346 |  | — |  | 1,709,729
Securities |  | 12 |  | 196,927 |  | 161,356 |  | 5,454,339 |  | 5,812,622
Derivative Financial Instruments |  | 9 |  | 6,510 |  | 21,003 |  | — |  | 27,513
Loans and advances to customers |  | 11 |  | 2,795,385 |  | 1,357,068 |  | 4,637,605 |  | 8,790,058
Other assets |  | 17 |  | 409,465 |  | 27,373 |  | 81,844 |  | 518,681
Total financial assets |  | ​ | ​ | 7,272,726 |  | 2,069,146 |  | 10,173,788 |  | 19,515,660
Financial liabilities |  |  |  |  |  |  |  |  |  |
Liabilities with financial institutions |  | 18 |  | 1,706,681 |  | 50,232 |  | — |  | 1,756,913
Liabilities with customers |  | 19 |  | 7,550,562 |  | 607,077 |  | 4,278,993 |  | 12,436,632
Securities issued |  | 20 |  | 80,924 |  | 505,572 |  | 1,142,940 |  | 1,729,436
Derivative financial instruments liabilities |  | 9 |  | — |  | 20,767 |  | 35,991 |  | 56,758
Borrowing and onlending |  | 21 |  | 104 |  | 1,145 |  | 26,156 |  | 27,405
Other liabilities |  | 24 |  | 475,420 |  | — |  | — |  | 475,420
Total financial liabilities |  | ​ | ​ | (9,813,691) |  | (1,184,793) |  | (5,484,079) |  | (16,482,563)
Schedule of market risk of trading book and banking book | The market risk of Trading Book, considering the VaR model, is presented in the following table: ​
​ | ​ | ​ | ​ | ​
R$Thousand |  | 2021 |  | 2020
Risk Factor | ​ | 21 days - holding period
Price index coupons |  | 4,882 |  | 4,262
Pre fixed interest rate |  | 83 |  | 6,319
Foreign currency coupons |  | — |  | 365
Exchange rates |  | 80 |  | 2,014
Shares prices |  | 1,599 |  | 4,056
Others |  | — |  | 22,845
SubTotal |  | 6,645 |  | 39,861
Diversification effects (correlation) |  | 1,758 |  | 17,939
Value-at-Risk |  | 4,887 |  | 21,921
​ The market risk of Banking Book, calculated by the VaR model, is presented in the following table: ​
​ | ​ | ​ | ​ | ​
R$Thousand |  | 2021 |  | 2020
Risk Factor | ​ | 21 days - holding period
Price index coupons |  | 364,502 |  | 169,917
Pre fixed interest rate |  | 49,577 |  | 20,345
Interest rate coupons |  | 36,555 |  | 1,631
Share Price |  | 1,412 |  | 20,345
SubTotal |  | 452,045 |  | 191,893
Diversification effects (correlation) |  | 84,587 |  | 18,491
Value-at-Risk |  | 367,458 |  | 173,402
​
Schedule of sensitivity analysis | ​ Scenario II: Projects a possible variation of 25 percent in the rates of each risk factor. The numbers presented represent the largest loss per risk factor and do not consider correlation. Scenario III: Project a remote variation of 50 percent in the rates of each risk factor. The numbers presented represent the largest loss per risk factor and do not consider correlation. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Exposures | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 12/31/2021
Banking and Trading Portfolios | ​ | Scenarios
​ | ​ | ​ | ​ | variation rate | ​ | ​ | ​ | variation rate | ​ | ​ | ​ | variation rate | ​ | ​
Risk factors |  | Risk of variation in: |  | scenario I |  | scenario I |  | scenario II |  | scenario II |  | scenario III |  | scenario III
IPCA Coupon |  | Price index coupons |  | increase |  | (3,045) |  | increase |  | (378) |  | increase |  | (658,147)
IGP-M Coupon |  | Price index coupons |  | increase |  | (42) |  | increase |  | (6) |  | increase |  | (10,118)
Fixed |  | Fixed interest rates |  | decrease |  | (334) |  | decrease |  | (183) |  | decrease |  | (551,209)
TR Coupon |  | Interest rate coupons |  | increase |  | (813) |  | increase |  | (23) |  | increase |  | (226,744)
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Exposures | ​ | ​ | ​ |  | ​ |  | ​ |  | ​ |  | ​ |  | ​ | 12/31/2020
Banking and Trading Portfolios | ​ | Scenarios
​ | ​ | ​ | ​ | variation rate | ​ | ​ | ​ | variation rate | ​ | ​ | ​ | variation rate | ​ | ​
Risk factors |  | Risk of variation in: |  | scenario I |  | scenario I |  | scenario II |  | scenario II |  | scenario III |  | scenario III
IPCA Coupon | ​ | Price index coupons | ​ | increase | ​ | (3,267) | ​ | increase | ​ | (233) | ​ | increase | ​ | (44,207)
IGP-M Coupon |  | Price index coupons |  | increase |  | (83) |  | increase |  | (8) |  | increase |  | (15,804)
Fixed |  | Fixed interest rates |  | increase |  | (162) |  | increase |  | (30) |  | increase |  | (56,739)
TR Coupon |  | Interest rate coupons |  | increase |  | (34) |  | increase |  | (5) |  | increase |  | (9,801)
​

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- Definition The disclosure of a maturity analysis for financial assets held for managing liquidity risk. [Refer: Financial assets; Liquidity risk [member]] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph B11E -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_B11E&doctype=Appendix&subtype=B -URIDate 2021-03-24 + Details
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- Definition The disclosure of the sensitivity analysis for types of market risk to which the entity is exposed, showing how profit or loss and equity would have been affected by changes in the relevant risk variable that were reasonably possible at that date. [Refer: Market risk [member]] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph 40 -Subparagraph a -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_40_a&doctype=Standard -URIDate 2021-03-24 + Details
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