XML 149 R101.htm IDEA: XBRL DOCUMENT v3.22.1
Loans and advances to customers (Details - Analysis of changes in expected losses by stage) - BRL (R$)
R$ in Thousands
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Disclosure of detailed information about financial instruments [line items]    
Opening Balance R$ 19,515,659  
Ending balance 33,406,040 R$ 19,515,659
Business loans    
Disclosure of detailed information about financial instruments [line items]    
Ending balance 3,017,158  
Real Estate loans    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance 3,471,354  
Ending balance 5,121,411 3,471,354
Loans and advances to customers    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance 8,790,058  
Ending balance 17,216,362 8,790,058
Loans and advances to customers | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (282,355) (215,563)
Payments (131,282) (46,689)
Write-off for loss 18,334 72,423
Constitution (Reversal) 548,193 185,904
Ending balance (680,932) (282,355)
Loans and advances to customers | Stage 1 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (170,141) (84,805)
Transfer to Stage 2 (6,327) (2,546)
Transfer to Stage 3 (8,538) (7,174)
Transfer from Stage 2 4,114 10,550
Transfer from Stage 3 2,071 9,399
Payments (53,948) (18,655)
Write-off for loss 651 2,973
Constitution (Reversal) 240,794 96,736
Ending balance (347,656) (170,141)
Loans and advances to customers | Stage 2 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (20,195) (32,443)
Transfer to Stage 1 (4,114) (10,550)
Transfer to Stage 3 (2,044) (2,283)
Transfer from Stage 1 6,327 2,546
Transfer from Stage 3 1,339 1,245
Payments (9,504) (7,308)
Write-off for loss 794 6,718
Constitution (Reversal) 42,477 10,820
Ending balance (53,882) (20,195)
Loans and advances to customers | Stage 2 | Credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (92,018) (98,316)
Transfer to Stage 1 (2,071) (9,399)
Transfer to Stage 2 (1,339) (1,245)
Transfer from Stage 1 8,538 7,174
Transfer from Stage 2 2,044 2,283
Payments (67,830) (20,726)
Write-off for loss 16,889 62,732
Constitution (Reversal) 264,922 78,348
Ending balance (279,393) (92,018)
Loans and advances to customers | Payroll Card    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance 67,732  
Ending balance 65,263 67,732
Loans and advances to customers | Payroll Card | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (5,890) (2,385)
Payments (332) (256)
Write-off for loss 2,885 1,707
Constitution (Reversal) 4,081 5,468
Ending balance (6,754) (5,890)
Loans and advances to customers | Payroll Card | Stage 1 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (2,911) (448)
Transfer to Stage 2 (307) (2)
Transfer to Stage 3 (172) (16)
Transfer from Stage 2 1  
Transfer from Stage 3 14 5
Payments (238) (34)
Write-off for loss 23 2
Constitution (Reversal) 638 2,513
Ending balance (2,824) (2,911)
Loans and advances to customers | Payroll Card | Stage 2 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (36) (26)
Transfer to Stage 1 (1)  
Transfer from Stage 1 307 2
Payments (3) (4)
Write-off for loss 32 21
Constitution (Reversal) 141 34
Ending balance (448) (36)
Loans and advances to customers | Payroll Card | Stage 2 | Credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (2,943) (1,911)
Transfer to Stage 1 (14) (5)
Transfer from Stage 1 172 16
Payments (91) (218)
Write-off for loss 2,830 1,683
Constitution (Reversal) 3,302 2,922
Ending balance (3,482) (2,943)
Loans and advances to customers | Multiple Card    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance 1,904,642  
Ending balance 4,798,318 1,904,642
Loans and advances to customers | Multiple Card | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (163,993) (120,808)
Payments (88,646) (21,107)
Write-off for loss 1,934 45,295
Constitution (Reversal) 344,327 109,587
Ending balance (417,740) (163,993)
Loans and advances to customers | Multiple Card | Stage 1 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (103,694) (57,462)
Transfer to Stage 2 (1,422) (566)
Transfer to Stage 3 (5,519) (6,284)
Transfer from Stage 2 277 2,195
Transfer from Stage 3 208 6,174
Payments (30,638) (8,929)
Write-off for loss 326 2,797
Constitution (Reversal) 136,207 56,439
Ending balance (202,481) (103,694)
Loans and advances to customers | Multiple Card | Stage 2 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (4,909) (10,297)
Transfer to Stage 1 (277) (2,195)
Transfer to Stage 3 (100) (283)
Transfer from Stage 1 1,422 566
Transfer from Stage 3 10  
Payments (4,299) (2,229)
Write-off for loss 218 5,578
Constitution (Reversal) 27,654 4,331
Ending balance (29,101) (4,909)
Loans and advances to customers | Multiple Card | Stage 2 | Credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (55,389) (53,050)
Transfer to Stage 1 (208) (6,174)
Transfer to Stage 2 (10)  
Transfer from Stage 1 5,519 6,284
Transfer from Stage 2 100 283
Payments (53,709) (9,950)
Write-off for loss 1,390 36,921
Constitution (Reversal) 180,466 48,816
Ending balance (186,157) (55,389)
Loans and advances to customers | Overdraft protection agreement    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance 20,193  
Ending balance 12,862 20,193
Loans and advances to customers | Overdraft protection agreement | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (645) (140)
Payments (286)  
Write-off for loss 150  
Constitution (Reversal) 9,538 505
Ending balance (9,747) (645)
Loans and advances to customers | Overdraft protection agreement | Stage 1 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (645) (9)
Transfer to Stage 2 (13)  
Transfer to Stage 3 (178)  
Transfer from Stage 2   46
Transfer from Stage 3   85
Payments (286)  
Write-off for loss 150  
Constitution (Reversal) 777 505
Ending balance (795) (645)
Loans and advances to customers | Overdraft protection agreement | Stage 2 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance   (46)
Transfer to Stage 1   (46)
Transfer from Stage 1 13  
Constitution (Reversal) 407  
Ending balance (420)  
Loans and advances to customers | Overdraft protection agreement | Stage 2 | Credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance   (85)
Transfer to Stage 1   (85)
Transfer from Stage 1 178  
Constitution (Reversal) 8,354  
Ending balance (8,532)  
Loans and advances to customers | Checking Account    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance 14,232  
Ending balance 33,234 14,232
Loans and advances to customers | Checking Account | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (455) (4,055)
Payments (19)  
Write-off for loss 104 3,336
Constitution (Reversal) 29,134 (264)
Ending balance (29,466) (455)
Loans and advances to customers | Checking Account | Stage 1 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (334) (47)
Transfer to Stage 2 (1)  
Transfer to Stage 3   (12)
Transfer from Stage 2   10
Transfer from Stage 3 2 159
Payments (6)  
Write-off for loss 6 33
Constitution (Reversal) (59) 164
Ending balance (264) (334)
Loans and advances to customers | Checking Account | Stage 2 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (6) (296)
Transfer to Stage 1   (10)
Transfer to Stage 3   (30)
Transfer from Stage 1 1  
Transfer from Stage 3 1 20
Write-off for loss 6 254
Constitution (Reversal) 146 (15)
Ending balance (148) (6)
Loans and advances to customers | Checking Account | Stage 2 | Credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (114) (3,712)
Transfer to Stage 1 (2) (159)
Transfer to Stage 2 (1) (20)
Transfer from Stage 1 1 12
Transfer from Stage 2   30
Payments (13)  
Write-off for loss 92 3,049
Constitution (Reversal) 29,046 (413)
Ending balance (29,053) (114)
Loans and advances to customers | Payroll loans and personal credit    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance 1,551,399  
Ending balance 3,467,924 1,551,399
Loans and advances to customers | Payroll loans and personal credit | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (38,900) (30,415)
Payments (17,511) (7,401)
Write-off for loss 10,545 15,386
Constitution (Reversal) 84,692 31,273
Ending balance (95,536) (38,900)
Loans and advances to customers | Payroll loans and personal credit | Stage 1 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (16,306) (9,654)
Transfer to Stage 2 (531) (192)
Transfer to Stage 3 (758) (341)
Transfer from Stage 2 176 41
Transfer from Stage 3 171 166
Payments (8,801) (4,616)
Write-off for loss 138 66
Constitution (Reversal) 47,036 11,659
Ending balance (53,461) (16,306)
Loans and advances to customers | Payroll loans and personal credit | Stage 2 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (4,390) (1,169)
Transfer to Stage 1 (176) (41)
Transfer to Stage 3 (761) (195)
Transfer from Stage 1 531 192
Transfer from Stage 3 33 62
Payments (2,187) (353)
Write-off for loss 445 377
Constitution (Reversal) 8,693 3,933
Ending balance (10,078) (4,390)
Loans and advances to customers | Payroll loans and personal credit | Stage 2 | Credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (18,205) (19,591)
Transfer to Stage 1 (171) (166)
Transfer to Stage 2 (33) (62)
Transfer from Stage 1 757 341
Transfer from Stage 2 761 195
Payments (6,523) (2,431)
Write-off for loss 9,962 14,944
Constitution (Reversal) 28,964 15,680
Ending balance (31,998) (18,205)
Loans and advances to customers | Business loans    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance 1,582,868  
Ending balance 3,017,158 1,582,868
Loans and advances to customers | Business loans | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (5,924) (5,957)
Payments (975) (2,806)
Write-off for loss 241 2,586
Constitution (Reversal) 11,312 5,358
Ending balance (16,020) (5,924)
Loans and advances to customers | Business loans | Stage 1 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (5,679) (2,450)
Transfer to Stage 2 (108) (1)
Transfer to Stage 3 (205) (7)
Payments (972) (1,875)
Write-off for loss   43
Constitution (Reversal) 8,192 5,154
Ending balance (12,586) (5,679)
Loans and advances to customers | Business loans | Stage 2 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (4) (191)
Transfer to Stage 3   0
Transfer from Stage 1 108 1
Payments (3) (111)
Write-off for loss 1 50
Constitution (Reversal) 216 (27)
Ending balance (324) (4)
Loans and advances to customers | Business loans | Stage 2 | Credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (241) (3,316)
Transfer from Stage 1 205 7
Payments   (820)
Write-off for loss 240 2,493
Constitution (Reversal) 2,904 231
Ending balance (3,110) (241)
Loans and advances to customers | Real Estate loans    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance 3,471,354  
Ending balance 5,121,411 3,471,354
Loans and advances to customers | Real Estate loans | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (60,872) (51,803)
Payments (18,461) (15,119)
Write-off for loss 2,475 4,114
Constitution (Reversal) 40,056 28,303
Ending balance (79,992) (60,872)
Loans and advances to customers | Real Estate loans | Stage 1 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (34,897) (14,735)
Transfer to Stage 2 (3,945) (1,786)
Transfer to Stage 3 (1,706) (513)
Transfer from Stage 2 3,660 8,258
Transfer from Stage 3 1,676 2,810
Payments (7,955) (3,201)
Write-off for loss 8 33
Constitution (Reversal) 22,950 14,628
Ending balance (49,569) (34,897)
Loans and advances to customers | Real Estate loans | Stage 2 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (10,848) (20,417)
Transfer to Stage 1 (3,660) (8,258)
Transfer to Stage 3 (1,183) (1,774)
Transfer from Stage 1 3,945 1,786
Transfer from Stage 3 1,295 1,163
Payments (3,012) (4,611)
Write-off for loss 92 439
Constitution (Reversal) 5,220 2,564
Ending balance (13,361) (10,848)
Loans and advances to customers | Real Estate loans | Stage 2 | Credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (15,127) (16,651)
Transfer to Stage 1 (1,676) (2,810)
Transfer to Stage 2 (1,295) (1,163)
Transfer from Stage 1 1,706 513
Transfer from Stage 2 1,183 1,774
Payments (7,494) (7,307)
Write-off for loss 2,375 3,642
Constitution (Reversal) 11,886 11,112
Ending balance (17,062) (15,127)
Loans and advances to customers | Rural loans    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance 177,637  
Ending balance 700,192 177,637
Loans and advances to customers | Rural loans | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (5,675)  
Payments (5,052)  
Constitution (Reversal) 25,053 5,675
Ending balance (25,676) (5,675)
Loans and advances to customers | Rural loans | Stage 1 | Not credit impaired | Provision for expected loss    
Disclosure of detailed information about financial instruments [line items]    
Opening Balance (5,675)  
Payments (5,052)  
Constitution (Reversal) 25,053 5,675
Ending balance R$ (25,676) R$ (5,675)