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Operating segments (Tables)

12 Months Ended

Dec. 31, 2021

Disclosure of operating segments [abstract]

Schedule of segment information

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​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	12/31/2021
​	​	​	​	​	​	​	​	​	​	​	​	​	​	Total of	​	​	​	Adjustments	​	​
​	​	​	​	​	​	Insurance	​	​	​	Asset	​	​	​	reportable	​	​	​	and	​	​
​	​	Banking	​	Securities	​	Brokerage	​	Marketplace	​	Management	​	Services	​	segments	​	Other	​	Eliminations	​	Consolidated
Interest income calculated using the effective interest method		1,398,269		875		—		—		—		—		1,399,144		43,447		(7,163)		1,435,428
Interest expenses		(539,913)		(8,012)		—		—		—		(29)		(547,954)		—		4,712		(543,242)
Net interest income		858,356		(7,137)		—		—		—		(29)		851,190		43,447		(2,451)		892,186
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Revenues from services and commissions		238,957		45,490		51,670		180,528		14,460		13,518		544,623		(2,054)		—		542,569
Expenses from services and commissions		(100,297)		—		—		—		—		—		(100,297)		—		—		(100,297)
Net result from services and commissions		138,660		45,490		51,670		180,528		14,460		13,518		444,326		(2,054)		—		442,272
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Income from securities		766,196		12,716		5,427		371		140		75		784,925		15,308		(54,620)		745,613
Net gains / (losses) on derivatives		(56,006)		—		—		—		—		—		(56,006)		7,676		—		(48,330)
Other revenues		348,927		21,914		53		2,862		8,270		736		382,762		15		(192,694)		190,082
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Revenues		2,056,133		72,983		57,150		183,761		22,870		14,300		2,407,197		64,392		(249,765)		2,221,823
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Impairment losses on financial assets		(448,802)		—		—		—		—		—		(448,802)		29		(146,808)		(595,581)
Personnel expenses		(405,312)		(7,983)		(6,615)		(9,804)		(2,334)		(11,280)		(443,328)		—		—		(443,328)
Depreciation and amortization		(101,758)		(567)		(338)		(2,637)		(64)		(354)		(105,718)		—		11,467		(94,251)
Other administrative expenses		(1,200,323)		(29,921)		25,354		(26,802)		(3,783)		(8,616)		(1,244,091)		(12,615)		(54,255)		(1,310,961)
Income from equity interests in affiliates		(8,764)		—		—		—		—		—		(8,764)		—		—		(8,764)
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Profit / (loss) before taxes		(108,826)		34,512		75,551		144,518		16,689		(5,950)		156,494		51,806		(439,360)		(231,062)
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Current income tax and social contribution		—		(12,372)		(10,791)		(25,970)		(1,581)		(271)		(50,985)		(1,456)		—		(52,441)
Deferred income tax and social contribution		143,440		(918)		—		—		—		2,071		144,593		—		83,841		228,434
Profit for the period		34,614		21,222		64,760		118,548		15,108		(4,149)		250,102		50,350		(355,519)		(55,068)
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Total assets		36,433,641		368,211		124,670		232,470		11,178		25,006		37,195,176		6,224,913		(6,793,752)		36,626,337
Total liabilities		27,945,001		317,646		69,890		90,756		3,097		2,386		28,428,776		16,266		(268,488)		28,176,554
Total shareholders' equity		8,488,640		50,565		54,780		141,714		8,081		22,620		8,766,400		6,208,647		(6,525,263)		8,449,784

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​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	12/31/2020
​		​		​		​		​		​		​		Total of		​		Adjustments		​
​	​	​	​	​	​	Insurance	​	​	​	Asset	​	​	​	reportable	​	​	​	and	​	​
​	​	Banking	​	Securities	​	Brokerage	​	Marketplace	​	Management	​	Services	​	segments	​	Other	​	Eliminations	​	Consolidated
Interest income calculated using the effective interest method		912,455		1		546		—		—		—		913,002		31,506		(1,700)		942,808
Interest expenses		(154,088)		—		—		—		(53)		—		(154,141)		(28,949)		(1,245)		(184,335)
​		758,367		1		546		—		(53)		—		758,861		2,557		(2,945)		758,473
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Revenues from services and commissions		154,985		21,894		34,072		33,574		12,972		—		257,497		(352)		—		257,145
Expenses from services and commissions		(71,611)		—		—		—		—		—		(71,611)		—		—		(71,611)
Net result from services and commissions		83,374		21,894		34,072		33,574		12,972		—		185,886		(352)		—		185,534
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Income from securities		9,760		1,044		—		82		94		—		10,980		1,080		—		12,060
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Net gains / (losses) on derivatives		(54,418)		—		—		—		—		—		(54,418)		—		—		(54,418)
Other revenues		150,770		—		—		—		—		—		150,770		—		(40,888)		109,882
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Revenues		947,853		22,939		34,618		33,656		13,013		—		1,052,079		3,285		(40,888)		1,011,531
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​		—		—		—		—		—		—		—		—		109,216		109,216
Impairment losses on financial assets		(174,551)		—		—		—		—		—		(174,551)		—		(39,137)		(213,688)
Personnel expenses		(213,633)		(3,727)		(5,517)		(4,168)		(2,051)		—		(229,096)		—		—		(229,096)
Depreciation and amortization		(41,860)		(257)		(131)		—		(93)		—		(42,341)		—		(1,318)		(43,659)
Other administrative expenses		(614,688)		(22,712)		5,072		(5,975)		(5,703)		—		(644,006)		(1,724)		4,403		(641,327)
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Profit / (loss) before taxes		(96,879)		(3,757)		34,042		23,513		5,166		—		(37,915)		1,561		29,331		(7,023)
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Current income tax and social contribution		—		—		(4,808)		(6,958)		(1,400)		—		(13,166)		—		—		(13,166)
Deferred income tax and social contribution		66,329		1,503		—		—		—		—		67,832		—		(16,957)		50,875
Profit for the period		(30,550)		(2,254)		29,234		16,555		3,766		—		16,751		1,561		12,374		30,686
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Total assets		19,743,678		75,899		81,289		69,382		9,982		—		19,980,230		425,360		(483,977)		19,921,613
Total liabilities		16,440,990		46,596		45,771		47,957		2,419		—		16,583,733		65,491		(51,826)		16,597,398
Total shareholders´ equity		3,302,688		29,303		35,517		21,426		7,563		—		3,396,497		420,794		(493,076)		3,324,215

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​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	12/31/2019
​	​	​	​	​	​	​	​	​	​	​	​	​	​	Total of	​	​	​	Adjustments	​	​
​	​	​	​	​	​	Insurance	​	​	​	Asset	​	​	​	reportable	​	​	​	and	​	​
​	​	Banking	​	Securities	​	Brokerage	​	Marketplace	​	management	​	Services	​	segments	​	Other	​	Eliminations	​	Consolidated
Revenues from interest		775,501		2		205		15		278		—		776,001		170		(656)		775,515
Interest expenses		(248,359)		—		—		—		—		—		(248,359)		(4,889)		(3,469)		(256,717)
Net interest income		527,142		2		205		15		278		—		527,642		(4,718)		(4,125)		518,798
Revenues from services and commissions		94,116		17,471		18,870		—		—		—		130,457		—		—		130,457
Expenses from services and commissions		(59,367)		—		—		—		—		—		(59,367)		—		2,740		(56,627)
Net result from services and commissions		34,749		17,471		18,870		—		—		—		71,090		—		2,740		73,830
Revenues from securities		51,856		2,039		—		—		—		—		53,895		10,690		(2,067)		62,518
Income from derivative financial instruments		4,235		—		—		—		—		—		4,235		—		—		4,235
Other revenues		113,317		—		—		—		—		—		113,317		389		(60,863)		52,843
Revenues		731,299		19,512		19,075		15		278		—		770,179		6,361		(62,930)		712,224
Result from impairment losses on financial assets		(107,065)		—		—		—		—		—		(107,065)		—		(31,505)		(138,570)
Personnel expenses	​	(162,192)		(2,153)		(4,441)		—		(412)		—		(169,198)	​	—	​	—	​	(169,198)
Depreciation and amortization		(13,841)		(144)		(67)		—		(1)		—		(14,053)		—		(3,410)		(17,463)
Other expenses		(373,846)		(6,126)		(733)		(211)		(75)		—		(380,991)		(956)		(4,362)		(386,309)
Income before taxes		74,355		11,089		13,834		(196)		(210)		—		98,872		5,405		(103,592)		684
Current income tax and social contribution		—		(3,552)		(2,307)		—		—		—		(5,859)		—		—		(5,859)
Deferred income tax and social contribution		4,525		(341)		—		66		71		—		4,321		—		31,224		35,545
Profit for the period		78,880		7,196		11,527		(130)		(139)		—		97,334		5,405		(72,368)		30,370
Total Assets		10,062,373		43,317		11,094		4,884		4,980		—		10,126,648		56,198		(105,760)		10,077,086
Total Liabilities		7,861,356		11,725		4,813		14		118		—		7,878,026		792		36,330		7,915,148
Total shareholders’ equity		2,201,017		31,592		6,281		4,870		4,862		—		2,248,622		55,406		(142,090)		2,161,938

Reconciliation of the management income by segment with the consolidated results

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​	​	​	​	​	​	​
Profit for the period		12/31/2021		12/31/2020		12/31/2019
Total of reportable segments		250,103		16,751		97,334
Others		50,348		1,561		5,405
Adjustments and Eliminations		(355,519)		12,374		(72,368)
Total consolidated profit for the period		(55,068)		30,686		30,370
​	​	​	​	​	​	​
Assets
Total of reportable segments		37,195,176		19,980,230		—
Others		6,224,913		425,360		—
Adjustments and Eliminations		(6,793,752)		(483,977)		—
Total consolidated assets		36,626,337		19,921,613		—
​	​	​	​	​	​	​
liabilities
Total of reportable segments		28,428,776		16,583,733		—
Others		16,266		65,491		—
Adjustments and Eliminations		(268,488)		(51,826)		—
Total consolidated liabilities		28,176,554		16,597,398		—
​	​	​	​	​	​	​
Shareholders’ equity
Total of reportable segments		8,766,400		3,396,497		—
Others		6,208,647		420,794		—
Adjustments and Eliminations		(6,525,263)		(493,076)		—
Total consolidated shareholders´ equity		8,449,784		3,324,215		—

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- Definition

The disclosure of reconciliation of the management income by segment with the consolidated results.

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- Definition

The disclosure of operating segments. [Refer: Operating segments [member]]

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Name IFRS
-Number 8
-IssueDate 2021-01-01
-Paragraph 23
-URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=8&code=ifrs-tx-2021-en-r&anchor=para_23&doctype=Standard
-URIDate 2021-03-24

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