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Loans and advances to customers (Tables)

12 Months Ended

Dec. 31, 2021

Loans and advances to customers.

Summary of balance of loans and advances to customers


		12/31/2021
		Gross		Provision for		Carrying
		balance		expected loss		amount

Payroll Card		65,263		(6,756)		58,507
Multiple Card		4,798,318		(417,740)		4,380,578
Overdraft Protection Agreement		12,862		(9,745)		3,117
Checking account overdraft		33,234		(29,467)		3,767
Payroll loans and personal credit		3,467,924		(95,539)		3,372,385
Business loans		3,017,158		(16,018)		3,001,140
Real Estate Loans		5,121,411		(79,991)		5,041,420
Rural Credit		700,912		(25,676)		674,516
Total		17,216,362		(680,932)		16,535,429


		12/31/2020
		Gross		Provision for		Carrying
		balance		expected loss		amount

Payroll Card		67,732		(5,890)		61,842
Multiple Card		1,904,642		(163,993)		1,740,649
Overdraft Protection Agreement		20,193		(645)		19,548
Checking account overdraft		14,230		(455)		13,775

Payroll loans and personal credit		1,551,399		(38,900)		1,512,499
Business loans		1,582,869		(5,803)		1,577,066
Real Estate Loans		3,471,356		(60,994)		3,410,362
Rural Credit		177,637		(5,675)		171,962
Total		8,790,058		(282,355)		8,507,703

Summary of changes in expected losses by stage


		Opening																Ending
		Balance on		Transfer to		Transfer to		Transfer from		Transfer from				Write-off for		Constitution		balance on
Stage 1		01/01/2021		Stage 2		Stage 3		Stage 2		Stage 3		Payments		loss		(Reversal)		12/31/2021
Payroll Card		2,911		(307)		(172)		1		14		(238)		(23)		638		2,824
Multiple Card		103,694		(1,422)		(5,519)		277		208		(30,638)		(326)		136,207		202,481
Overdraft protection agreement		645		(13)		(178)		—		—		(286)		(150)		777		795
Check Account		334		(1)		—		—		2		(6)		(6)		(59)		264
Personal Credit		16,306		(531)		(758)		176		171		(8,801)		(138)		47,036		53,461
Business loans		5,679		(108)		(205)		—		—		(972)		—		8,192		12,586
Real estate credit		34,897		(3,945)		(1,706)		3,660		1,676		(7,955)		(8)		22,950		49,569
Rural Credit		5,675		—		—		—		—		(5,052)		—		25,053		25,676
		170,141		(6,327)		(8,538)		4,114		2,071		(53,948)		(651)		240,794		347,656


		Opening																Ending
		Balance on		Transfer to		Transfer to		Transfer from		Transfer from				Write-off for		Constitution		balance on
Stage 2		01/01/2021		Stage 1		Stage 3		Stage 1		Stage 3		Payments		loss		(Reversal)		12/31/2021
Payroll Card		36		(1)		—		307		—		(3)		(32)		141		448
Multiple Card		4,909		(277)		(100)		1,422		10		(4,299)		(218)		27,654		29,101
Overdraft protection agreement		—		—		—		13		—		—		—		407		420
Check Account		6		—		—		1		1		—		(6)		146		148
Personal Credit		4,390		(176)		(761)		531		33		(2,187)		(445)		8,693		10,078
Business loans		4		—		—		108		—		(3)		(1)		216		324
Real estate credit		10,848		(3,660)		(1,183)		3,945		1,295		(3,012)		(92)		5,220		13,361
Rural Credit		—		—		—		—		—		—		—		—		—
		20,195		(4,114)		(2,044)		6,327		1,339		(9,504)		(794)		42,477		53,882


		Opening																Ending
		Balance on		Transfer to		Transfer to		Transfer from		Transfer from				Write-off for		Constitution		balance on
Stage 3		01/01/2021		Stage 1		Stage 2		Stage 1		Stage 2		Payments		loss		(Reversal)		12/31/2021
Payroll Card		2,943		(14)		—		172		—		(91)		(2,830)		3,302		3,482
Multiple Card		55,389		(208)		(10)		5,519		100		(53,709)		(1,390)		180,466		186,157
Overdraft protection agreement		—		—		—		178		—		—		—		8,354		8,532
Check Account		114		(2)		(1)		1		—		(13)		(92)		29,046		29,053
Personal Credit		18,205		(171)		(33)		757		761		(6,523)		(9,962)		28,964		31,998
Business loans		241		—		—		205		—		—		(240)		2,904		3,110
Real estate credit		15,127		(1,676)		(1,295)		1,706		1,183		(7,494)		(2,375)		11,886		17,062
Rural Credit		—		—		—		—		—		—		—		—		—
		92,018		(2,071)		(1,339)		8,538		2,044		(67,830)		(16,889)		264,922		279,393


		Opening		Completed						Ending
		Balance on		contracts -		Write-off for		Constitution		balance on
Consolidated		01/01/2021		Payments		loss		(Reversal)		12/31/2021
Payroll Card		5,890		(332)		(2,885)		4,081		6,754
Multiple Card		163,993		(88,646)		(1,934)		344,327		417,740
Overdraft protection agreement		645		(286)		(150)		9,538		9,747
Check Account		455		(19)		(104)		29,134		29,466
Personal Credit		38,900		(17,511)		(10,545)		84,692		95,536
Business loans		5,924		(975)		(241)		11,312		16,020
Real estate credit		60,872		(18,461)		(2,475)		40,056		79,992
Rural Credit		5,675		(5,052)		—		25,053		25,676
		282,355		(131,282)		(18,334)		548,193		680,932


		Opening																Ending
		Balance on		Transfer to		Transfer to		Transfer from		Transfer from				Write-off for		Constitution		balance on
Stage 1		01/01/2020		Stage 2		Stage 3		Stage 2		Stage 3		Payments		loss		(Reversal)		12/31/2020
Payroll Card		448		(2)		(16)		—		5		(34)		(2)		2,513		2,911
Multiple Card		57,462		(566)		(6,284)		2,195		6,174		(8,929)		(2,797)		56,439		103,694
Overdraft protection agreement		9		—		—		46		85		—		—		505		645
Check Account		47		—		(12)		10		159		—		(33)		164		334
Personal Credit		9,654		(192)		(341)		41		166		(4,616)		(66)		11,659		16,306
Business loans		2,450		(1)		(7)		—		—		(1,875)		(43)		5,154		5,679
Real estate credit		14,735		(1,786)		(513)		8,258		2,810		(3,201)		(33)		14,628		34,897
Rural Credit		—		—		—		—		—		—		—		5,675		5,675
		84,805		(2,546)		(7,174)		10,550		9,399		(18,655)		(2,973)		96,736		170,141


		Opening																Ending
		Balance on		Transfer to		Transfer to		Transfer from		Transfer from				Write-off for		Constitution		balance on
Stage 2		01/01/2020		Stage 1		Stage 3		Stage 1		Stage 3		Payments		loss		(Reversal)		12/31/2020
Payroll Card		26		—		—		2		—		(4)		(21)		34		36
Multiple Card		10,297		(2,195)		(283)		566		—		(2,229)		(5,578)		4,331		4,909
Overdraft protection agreement		46		(46)		—		—		—		—		—		—		—
Check Account		296		(10)		(30)		—		20		—		(254)		(15)		6
Personal Credit		1,169		(41)		(195)		192		62		(353)		(377)		3,933		4,390
Business loans		191		—		(0)		1		—		(111)		(50)		(27)		4
Real estate credit		20,417		(8,258)		(1,774)		1,786		1,163		(4,611)		(439)		2,564		10,848
Rural Credit		—		—		—		—		—		—		—		—		—
		32,443		(10,550)		(2,283)		2,546		1,245		(7,308)		(6,718)		10,820		20,195


		Opening																Ending
		Balance on		Transfer to		Transfer to		Transfer from		Transfer from				Write-off for		Constitution		balance on
Stage 3		01/01/2020		Stage 1		Stage 2		Stage 1		Stage 2		Payments		loss		(Reversal)		12/31/2020
Payroll Card		1,911		(5)		—		16		—		(218)		(1,683)		2,922		2,943
Multiple Card		53,050		(6,174)		—		6,284		283		(9,950)		(36,921)		48,816		55,389
Overdraft protection agreement		85		(85)		—		—		—		—		—		—		—
Check Account		3,712		(159)		(20)		12		30		—		(3,049)		(413)		114
Personal Credit		19,591		(166)		(62)		341		195		(2,431)		(14,944)		15,680		18,205
Business loans		3,316		—		—		7		—		(820)		(2,493)		231		241
Real estate credit		16,651		(2,810)		(1,163)		513		1,774		(7,307)		(3,642)		11,112		15,127
Rural Credit		—		—		—		—		—		—		—		—		—
		98,316		(9,399)		(1,245)		7,174		2,283		(20,726)		(62,732)		78,348		92,018


		Opening		Completed						Ending
		Balance on		contracts -		Write-off for		Constitution		balance on
Consolidated		01/01/2020		Payments		loss		(Reversal)		12/31/2020
Payroll Card		2,385		(256)		(1,707)		5,468		5,890
Multiple Card		120,808		(21,107)		(45,295)		109,587		163,993
Overdraft protection agreement		140		-		-		505		645
Check Account		4,055		-		(3,336)		(264)		455
Personal Credit		30,415		(7,401)		(15,386)		31,273		38,900
Business loans		5,957		(2,806)		(2,586)		5,358		5,924
Real estate credit		51,803		(15,119)		(4,114)		28,303		60,872
Rural Credit		—		—		—		5,675		5,675
		215,563		(46,689)		(72,423)		185,904		282,355

Summary of change in gross value of loans and advances to customers by stage

c.	Analysis of the change in the gross value of loans and advances to customers by stage


		Opening														New loans		End
		balance on		Transfer to		Transfer to		Transfer from		Transfer from				Write-off for		and interest		balance on
Stage 1		01/01/2021		Stage 2		Stage 3		Stage 2		Stage 3		Settlements		loss		accrued		12/31/2021
Payroll Card		64,113		(5,129)		(3,113)		10		16		(8,601)		(348)		8,807		55,755
Credit Card		1,773,870		(19,334)		(76,206)		831		416		(390,827)		(2,307)		3,049,423		4,335,866
Overdraft protection agreement		20,193		(406)		(5,580)		—		—		(8,942)		(4,695)		2,165		2,735
Check Account		10,457		(19)		(40)		—		53		(186)		(189)		(8,894)		1,182
Payroll loans and personal credit		1,478,905		(26,975)		(46,888)		925		360		(883,231)		(2,912)		2,795,564		3,315,748
Business loans		1,579,384		(3,190)		(20,918)		—		—		(968,510)		(22)		2,376,190		2,962,934
Real estate loan		3,186,942		(136,470)		(64,869)		63,128		11,007		(719,768)		(202)		2,442,543		4,782,311
Rural loans		177,637		—		—		—		—		(158,117)		—		680,671		700,191
Total		8,291,501		(191,523)		(217,614)		64,894		11,852		(3,138,182)		(10,675)		11,346,469		16,156,722


		Opening														New loans		End
		balance on		Transfer to		Transfer to		Transfer from		Transfer from				Write-off for		and interest		balance on
Stage 2		01/01/2021		Stage 1		Stage 3		Stage 1		Stage 3		Settlements		loss		accrued		12/31/2021
Payroll Card		457		(10)		—		5,129		—		(39)		(407)		640		5,770
Credit Card		20,002		(831)		(287)		19,334		20		(17,735)		(1,102)		71,246		90,647
Overdraft protection agreement		—		—		—		406		1		—		—		949		1,356
Check Account		203		—		(7)		19		18		(5)		(192)		636		672
Payroll loans and personal credit		32,058		(925)		(6,342)		26,975		78		(14,236)		(4,382)		44,999		78,225
Business loans		1,298		—		—		3,190		—		(1,235)		(61)		1,731		4,923
Real estate loan		185,080		(63,128)		(20,080)		136,470		8,505		(50,792)		(1,676)		30,438		224,817
Total		239,098		(64,894)		(26,716)		191,523		8,622		(84,042)		(7,820)		150,639		406,410


		Opening														New loans		End
		balance on		Transfer to		Transfer to		Transfer from		Transfer from				Write-off for		and interest		balance on
Stage 3		01/01/2021		Stage 1		Stage 2		Stage 1		Stage 2		Settlements		loss		accrued		12/31/2021
Payroll Card		3,162		(16)		—		3,113		—		(98)		(3,040)		619		3,740
Credit Card		110,768		(416)		(20)		76,206		287		(107,413)		(2,778)		295,169		371,803
Overdraft protection agreement		—		—		(1)		5,580		—		—		—		3,261		8,840
Check Account		3,572		(53)		(18)		40		7		(414)		(2,878)		31,054		31,310
Payroll loans and personal credit		40,437		(360)		(78)		46,888		6,342		(13,814)		(22,641)		17,179		73,953
Business loans		2,187		—		—		20,918		—		—		(2,186)		28,382		49,301
Real estate loan		99,333		(11,007)		(8,505)		64,869		20,080		(49,212)		(15,598)		14,323		114,283
Total		259,459		(11,852)		(8,622)		217,614		26,716		(170,951)		(49,121)		389,987		653,230


		Opening		Completed				New loans		End
		balance on		contracts -		Write-off for		and interest		balance on
Consolidated		01/01/2021		Settlements		loss		accrued		12/31/2021
Payroll Card		67,732		(8,738)		(3,795)		10,066		65,265
Credit Card		1,904,640		(515,975)		(6,187)		3,415,838		4,798,316
Overdraft protection agreement		20,193		(8,942)		(4,695)		6,375		12,931
Check Account		14,231		(605)		(3,259)		22,796		33,163
Payroll loans and personal credit		1,551,399		(911,281)		(29,935)		2,857,742		3,467,925
Business loans		1,582,869		(969,745)		(2,269)		2,406,303		3,017,158
Real estate loan		3,471,356		(819,772)		(17,476)		2,487,304		5,121,412
Rural loans		177,637		(158,117)		—		680,671		700,191
Total		8,790,057		(3,393,175)		(67,616)		11,887,095		17,216,362


		Opening														New loans		End
		balance on		Transfer to		Transfer to		Transfer from		Transfer from				Write-off for		and interest		balance on
Stage 1		01/01/2020		Stage 2		Stage 3		Stage 2		Stage 3		Settlements		loss		accrued		12/31/2020
Payroll Card		77,089		(444)		(2,433)		40		10		(6,590)		(212)		(3,347)		64,113
Multiple Card		683,629		(4,201)		(42,212)		5,113		8,508		(162,026)		(9,234)		1,294,294		1,773,870
Overdraft protection agreement		1,434		—		—		816		200		—		—		17,742		20,193
Check Account		6,566		—		(1,536)		324		452		—		(4,892)		9,543		10,457
Personal Credit		875,451		(14,721)		(19,221)		913		263		(540,865)		(2,450)		1,179,535		1,478,905
Business loans		435,982		(109)		(1,637)		—		—		(349,762)		(735)		1,495,645		1,579,384
Real estate credit		2,146,634		(89,342)		(47,101)		114,130		20,051		(441,402)		(1,951)		1,485,924		3,186,942
Rural Credit		—		—		—		—		—		—		—		177,637		177,637
		4,226,785		(108,816)		(114,141)		121,336		29,484		(1,500,646)		(19,475)		5,656,973		8,291,501


		Opening														New loans		End
		balance on		Transfer to		Transfer to		Transfer from		Transfer from				Write-off for		and interest		balance on
Stage 2		01/01/2020		Stage 1		Stage 3		Stage 1		Stage 3		Settlements		loss		accrued		12/31/2020
Payroll Card		821		(40)		(5)		444		1		(96)		(680)		13		457
Multiple Card		26,814		(5,113)		(623)		4,201		—		(5,949)		(15,108)		15,781		20,002
Overdraft protection agreement		816		(816)		—		—		—		—		—		—		—
Check Account		5,147		(324)		(784)		—		39		—		(4,008)		132		203
Personal Credit		17,739		(913)		(2,468)		14,721		93		(6,808)		(4,159)		13,851		32,058
Business loans		3,026		—		(1)		109		—		(2,219)		(499)		882		1,298
Real estate credit		276,208		(114,130)		(26,501)		89,342		7,740		(63,011)		(5,901)		21,334		185,080
Rural Credit		—		—		—		—		—		—		—		—		—
		330,572		(121,336)		(30,382)		108,816		7,873		(78,083)		(30,354)		51,992		239,098


		Opening														New loans		End
		balance on		Transfer to		Transfer to		Transfer from		Transfer from				Write-off for		and interest		balance on
Stage 3		01/01/2020		Stage 1		Stage 2		Stage 1		Stage 2		Settlements		loss		accrued		12/31/2020
Payroll Card		2,499		(10)		(1)		2,433		5		(271)		(2,211)		717		3,162
Multiple Card		73,101		(8,508)		—		42,212		623		(13,709)		(50,878)		67,927		110,768
Overdraft protection agreement		200		(200)		—		—		—		—		—		—		—
Check Account		7,892		(452)		(39)		1,536		784		—		(6,283)		135		3,572
Personal Credit		28,685		(263)		(93)		19,221		2,468		(3,950)		(21,357)		15,725		40,437
Business loans		4,417		—		—		1,637		1		(1,750)		(2,660)		542		2,187
Real estate credit		103,236		(20,051)		(7,740)		47,101		26,501		(43,440)		(19,979)		13,704		99,333
Rural Credit		—		—		—		—		—		—		—		—		—
		220,030		(29,484)		(7,873)		114,141		30,382		(63,120)		(103,368)		98,750		259,459


		Opening		Completed				New loans		End
		balance on		contracts -		Write-off for		and interest		balance on
Consolidated		01/01/2020		Settlements		loss		accrued		12/31/2020
Payroll Card		80,410		(6,957)		(3,103)		(2,616)		67,733
Multiple Card		783,544		(181,685)		(75,218)		1,378,001		1,904,642
Overdraft protection agreement		2,451		—		—		17,742		20,193
Check Account		19,605		—		(15,183)		9,810		14,231
Personal Credit		921,875		(551,622)		(27,966)		1,209,111		1,551,399
Business loans		443,425		(353,731)		(3,894)		1,497,069		1,582,869
Real estate credit		2,526,078		(547,854)		(27,833)		1,520,962		3,471,354
Rural Credit		—		—		—		177,637		177,637
		4,777,388		(1,641,849)		(153,197)		5,807,715		8,790,058