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Consolidated statements of cash flows - BRL (R$)
R$ in Thousands
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Operating activities      
Profit for the year R$ (55,068) R$ 30,686 R$ 30,370
Adjustments to profit      
- Depreciation and amortization 58,336 43,659 17,460
- Result of equity interests in affiliates 8,764    
- Impairment losses on financial assets (595,581) 213,688 138,570
- Expenses with provisions 19,002 15,280 8,413
- Deferred income tax and social contribution 228,434 (50,875) (35,545)
- Current income tax and social contribution (52,441) 13,166 5,859
- Provisions for loss of assets (43,618) (4,401) 4,295
- Result of foreign exchange variation 30 (1,006) (397)
- Share-based payment expenses     103
Compulsory deposits at Banco Central do Brasil (689,759) (1,317,449) (302,162)
Loans and advances to customers, net of provision for expected loss (7,432,145) (4,146,866) (1,540,879)
Amounts due from financial institutions (1,549,493) (246,272) (104,544)
Securities (573,349) 260,916 (466,144)
Derivative financial assets (59,435) (27,513)  
Non-current assets held-for-sale 33,754 6,104 (57,258)
Other assets (790,072) (356,182) (56,434)
Liabilities with financial institutions 3,584,551 604,421 415,068
Liabilities with customers 5,896,911 7,722,193 2,704,501
Securities issued 1,842,657 9,856 (44,356)
Derivative financial liabilities 9,787 35,817 19,945
Borrowing and onlending (2,334) (2,395) (2,188)
Other tax liabilities 149,605 13,090 7,664
Provisions 10,209 (13,698) (9,335)
Other liabilities 141,929 192,852 64,238
Cash flows from (used in) operations 140,673 2,995,072 797,244
Income Tax paid (49,029) (14,187) (5,634)
Net cash from operating activities 91,644 2,980,885 791,610
Cash flow from investing activities      
Acquisition of subsidiaries, net of cash acquired (93,782) (24,905)  
Acquisition of property and equipment (32,249) (17,250) (11,391)
Proceeds from sale of property and equipment 602 7,223  
Acquisition of intangible assets (255,731) (135,619) (62,043)
Net cash used in investing activities (7,175,779) (5,048,977) (445,544)
Cash flow from financing activities      
Capital increase   1,148,836 1,220,101
Option purchase - share-based payments     299
Repurchase of treasury shares   (153,109)  
Sale of treasury shares (29,322) 117,497 432
Paid dividends and interest on equity (19,680) (37,868) (43,571)
Resources from non-controlling interest, including capital increase 5,478,926 31,629 45,000
Net cash from financing activities 5,429,924 1,106,985 1,222,261
Net (decrease) increase in cash and cash equivalents (1,654,212) (961,108) 1,568,327
Cash and cash equivalents at january 1 2,154,687 3,114,789 1,546,065
Effect of the exchange rate variation on cash and cash equivalents (30) 1,006 397
Cash and cash equivalents at December 31, 2021 500,446 2,154,687 3,114,789
Amortized cost      
Cash flow from investing activities      
Acquisition of financial assets (920,123) (135,389) (261,171)
Proceeds from sale of financial assets 393,417 81,213  
Fair value through other comprehensive income - FVOCI      
Cash flow from investing activities      
Acquisition of financial assets (27,780,867) (4,899,868) (281,967)
Proceeds from sale of financial assets R$ 21,512,954 R$ 75,618 R$ 171,028