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Consolidated income statements - BRL (R$)
R$ in Thousands
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Profit or loss      
Interest income calculated using the effective interest method R$ 1,435,428 R$ 942,808 R$ 775,515
Interest expenses (543,242) (184,335) (256,717)
Net interest income 892,186 758,473 518,798
Revenues from services and commissions 542,569 257,145 130,457
Expenses from services and commissions (100,297) (71,611) (56,627)
Net result from services and commissions 442,272 185,534 73,830
Income from securities 745,613 12,060 62,518
Net gains / (losses) from derivatives (48,330) (54,418) 4,235
Other revenues 190,082 109,882 52,843
Revenues 2,221,823 1,011,531 712,224
Other income   109,216  
Impairment losses on financial assets (595,581) (213,688) (138,570)
Personal expense (443,328) (229,096) (169,198)
Depreciation and amortization (94,251) (43,659) (17,463)
Other administrative expenses (1,310,961) (641,327) (386,309)
Total Other Expenses (net of other revenues) (2,444,121) (1,018,554) (711,540)
Income from equity interests in affiliates (8,764)    
Profit / (loss) before income tax (231,062) (7,023) 684
Current income tax and social contribution (52,441) (13,166) (5,859)
Deferred income tax and social contribution 228,434 50,875 35,545
Income tax benefit 175,993 37,709 29,686
Profit / (loss) for the year (55,068) 30,686 30,370
Profit attributable to:      
Owners of the Company (72,663) 17,911 27,683
Non-controlling interest R$ 17,597 R$ 12,775 R$ 2,687
Earnings per share (in Brazilian Reais - BRL)      
Basic earnings per share R$ (0.0143) R$ 0.0043 R$ 0.0050
Diluted earnings per share R$ (0.0143) R$ 0.0043 R$ 0.0050