XML 127 R79.htm IDEA: XBRL DOCUMENT v3.22.1
Operating segments (Details)
R$ in Thousands
4 Months Ended 8 Months Ended 12 Months Ended
May 06, 2021
BRL (R$)
Dec. 31, 2021
BRL (R$)
Dec. 31, 2021
BRL (R$)
Dec. 31, 2020
BRL (R$)
Dec. 31, 2019
BRL (R$)
May 07, 2021
BRL (R$)
Dec. 31, 2018
BRL (R$)
Disclosure of operating segments [line items]              
Number of reportable segments     6        
Interest income calculated using the effective interest method     R$ 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    
Income from securities     745,613 12,060 62,518    
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 Administration expenses     (219,618) (20,133) (23,023)    
Income from equity interests in affiliates     (8,764)        
Profit / (loss) before income tax     (231,062) (7,023) 684    
Profit / (loss) for the year R$ (40,437) R$ (14,629) (55,068) 30,686 30,370    
Total assets   36,626,337 36,626,337 19,921,613      
Total liabilities   28,176,554 28,176,554 16,597,398      
Total shareholders equity R$ 3,127,985 8,449,784 8,449,784 3,324,215 2,161,938 R$ 3,127,985 R$ 932,188
Total of reportable segments              
Disclosure of operating segments [line items]              
Interest income calculated using the effective interest method     1,399,144 913,002 776,001    
Interest expenses     547,954 (154,141) 248,359    
Net interest income     851,190 758,861 527,642    
Revenues from services and commissions     544,623 257,497 130,457    
Expenses from services and commissions     (100,297) (71,611) (59,367)    
Net result from services and commissions     444,326 185,886 71,090    
Income from securities     784,925 10,980 53,895    
Net gains / (losses) on derivatives     (56,006) (54,418) 4,235    
Other revenues     382,762 150,770 113,317    
Revenues     2,407,197 1,052,079 770,179    
Impairment losses on financial assets     (448,802) (174,551) (107,065)    
Personal expense     (443,328) (229,096) (169,198)    
Depreciation and amortization     105,718 (42,341) 14,053    
Other Administration expenses     (1,244,091) (644,006) (380,991)    
Income from equity interests in affiliates     (8,764)        
Profit / (loss) before income tax     156,494 (37,915) 98,872    
Current income tax and social contribution     (50,985) (13,166) (5,859)    
Deferred income tax and social contribution     144,593 67,832 4,321    
Profit / (loss) for the year     250,103 16,751 97,334    
Total assets   37,195,176 37,195,176 19,980,230 10,126,648    
Total liabilities   28,428,776 28,428,776 16,583,733 7,878,026    
Total shareholders equity   8,766,400 8,766,400 3,396,497 2,248,622    
Banking segment              
Disclosure of operating segments [line items]              
Interest income calculated using the effective interest method     1,398,269 912,455 775,501    
Interest expenses     539,913 (154,088) 248,359    
Net interest income     858,356 758,367 527,142    
Revenues from services and commissions     238,957 154,985 94,116    
Expenses from services and commissions     (100,297) (71,611) (59,367)    
Net result from services and commissions     138,660 83,374 34,749    
Income from securities     766,196 9,760 51,856    
Net gains / (losses) on derivatives     (56,006) (54,418) 4,235    
Other revenues     348,927 150,770 113,317    
Revenues     2,056,133 947,853 731,299    
Impairment losses on financial assets     (448,802) (174,551) (107,065)    
Personal expense     (405,312) (213,633) (162,192)    
Depreciation and amortization     101,758 (41,860) 13,841    
Other Administration expenses     (1,200,323) (614,688) (373,846)    
Income from equity interests in affiliates     (8,764)        
Profit / (loss) before income tax     (108,826) (96,879) 74,355    
Deferred income tax and social contribution     143,440 66,329 4,525    
Profit / (loss) for the year     34,614 (30,550) 78,880    
Total assets   36,433,641 36,433,641 19,743,678 10,062,373    
Total liabilities   27,945,001 27,945,001 16,440,990 7,861,356    
Total shareholders equity   8,488,640 8,488,640 3,302,688 2,201,017    
Securities segment              
Disclosure of operating segments [line items]              
Interest income calculated using the effective interest method     875 1 2    
Interest expenses     8,012        
Net interest income     (7,137) 1 2    
Revenues from services and commissions     45,490 21,894 17,471    
Net result from services and commissions     45,490 21,894 17,471    
Income from securities     12,716 1,044 2,039    
Other revenues     21,914        
Revenues     72,983 22,939 19,512    
Personal expense     (7,983) (3,727) (2,153)    
Depreciation and amortization     567 (257) 144    
Other Administration expenses     (29,921) (22,712) (6,126)    
Profit / (loss) before income tax     34,512 (3,757) 11,089    
Current income tax and social contribution     (12,372)   (3,552)    
Deferred income tax and social contribution     (918) 1,503 (341)    
Profit / (loss) for the year     21,222 (2,254) 7,196    
Total assets   368,211 368,211 75,899 43,317    
Total liabilities   317,646 317,646 46,596 11,725    
Total shareholders equity   50,565 50,565 29,303 31,592    
Insurance brokerage segment              
Disclosure of operating segments [line items]              
Interest income calculated using the effective interest method       546 205    
Net interest income       546 205    
Revenues from services and commissions     51,670 34,072 18,870    
Net result from services and commissions     51,670 34,072 18,870    
Income from securities     5,427        
Other revenues     53        
Revenues     57,150 34,618 19,075    
Personal expense     (6,615) (5,517) (4,441)    
Depreciation and amortization     338 (131) 67    
Other Administration expenses     (25,354) (5,072) (733)    
Profit / (loss) before income tax     75,551 34,042 13,834    
Current income tax and social contribution     (10,791) (4,808) (2,307)    
Profit / (loss) for the year     64,760 29,234 11,527    
Total assets   124,670 124,670 81,289 11,094    
Total liabilities   69,890 69,890 45,771 4,813    
Total shareholders equity   54,780 54,780 35,517 6,281    
Marketplace Segment              
Disclosure of operating segments [line items]              
Interest income calculated using the effective interest method         15    
Net interest income         15    
Revenues from services and commissions     180,528 33,574      
Net result from services and commissions     180,528 33,574      
Income from securities     371 82      
Other revenues     2,862        
Revenues     183,761 33,656 15    
Personal expense     (9,804) (4,168)      
Depreciation and amortization     2,637        
Other Administration expenses     (26,802) (5,975) (211)    
Profit / (loss) before income tax     144,518 23,513 (196)    
Current income tax and social contribution     (25,970) (6,958)      
Deferred income tax and social contribution         66    
Profit / (loss) for the year     118,548 16,555 (130)    
Total assets   232,470 232,470 69,382 4,884    
Total liabilities   90,756 90,756 47,957 14    
Total shareholders equity   141,714 141,714 21,426 4,870    
Asset management segment              
Disclosure of operating segments [line items]              
Interest income calculated using the effective interest method         278    
Interest expenses       (53)      
Net interest income       (53) 278    
Revenues from services and commissions     14,460 12,972      
Net result from services and commissions     14,460 12,972      
Income from securities     140 94      
Other revenues     8,270        
Revenues     22,870 13,013 278    
Personal expense     (2,334) (2,051) (412)    
Depreciation and amortization     64 (93) 1    
Other Administration expenses     (3,783) (5,703) (75)    
Profit / (loss) before income tax     16,689 5,166 (210)    
Current income tax and social contribution     (1,581) (1,400)      
Deferred income tax and social contribution         71    
Profit / (loss) for the year     15,108 3,766 (139)    
Total assets   11,178 11,178 9,982 4,980    
Total liabilities   3,097 3,097 2,419 118    
Total shareholders equity   8,081 8,081 7,563 4,862    
Services segment              
Disclosure of operating segments [line items]              
Interest expenses     29        
Net interest income     (29)        
Revenues from services and commissions     13,518        
Net result from services and commissions     13,518        
Income from securities     75        
Other revenues     736        
Revenues     14,300        
Personal expense     (11,280)        
Depreciation and amortization     354        
Other Administration expenses     (8,616)        
Profit / (loss) before income tax     (5,950)        
Current income tax and social contribution     (271)        
Deferred income tax and social contribution     2,071        
Profit / (loss) for the year     (4,149)        
Total assets   25,006 25,006        
Total liabilities   2,386 2,386        
Total shareholders equity   22,620 22,620        
Operating segments [member]              
Disclosure of operating segments [line items]              
Interest income calculated using the effective interest method     1,435,428 942,808 775,515    
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) on 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 Administration expenses     (1,310,961) (641,327) (386,309)    
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    
Profit / (loss) for the year     (55,068) 30,686 30,370    
Total assets   36,626,337 36,626,337 19,921,613 10,077,086    
Total liabilities   28,176,554 28,176,554 16,597,398 7,915,148    
Total shareholders equity   8,449,784 8,449,784 3,324,215 2,161,938    
Adjustments and Eliminations              
Disclosure of operating segments [line items]              
Interest income calculated using the effective interest method     (7,163) (1,700) (656)    
Interest expenses     (4,712) (1,245) (3,469)    
Net interest income     (2,451) (2,945) (4,125)    
Expenses from services and commissions         2,740    
Net result from services and commissions         2,740    
Income from securities     (54,620)   (2,067)    
Other revenues     (192,694) (40,888) (60,863)    
Revenues     (249,765) (40,888) (62,930)    
Other income       (109,216)      
Impairment losses on financial assets     (146,808) (39,137) (31,505)    
Depreciation and amortization     (11,467) (1,318) (3,410)    
Other Administration expenses     54,255 4,403 4,362    
Profit / (loss) before income tax     (439,360) 29,331 (103,592)    
Deferred income tax and social contribution     83,841 (16,957) 31,224    
Profit / (loss) for the year     (355,519) 12,374 (72,368)    
Total assets   (6,793,752) (6,793,752) (483,977) (105,760)    
Total liabilities   (268,488) (268,488) (51,826) (36,330)    
Total shareholders equity   (6,525,263) (6,525,263) (493,076) (142,090)    
Other [Member]              
Disclosure of operating segments [line items]              
Interest income calculated using the effective interest method     43,447 31,506 170    
Interest expenses       (28,949) 4,889    
Net interest income     43,447 2,557 (4,718)    
Revenues from services and commissions     (2,054) (352)      
Net result from services and commissions     (2,054) (352)      
Income from securities     15,308 1,080 10,690    
Net gains / (losses) on derivatives     7,676        
Other revenues     15   389    
Revenues     64,392 3,285 6,361    
Impairment losses on financial assets     29        
Other Administration expenses     (12,615) (1,724) (956)    
Profit / (loss) before income tax     51,806 1,561 5,405    
Current income tax and social contribution     (1,456)        
Profit / (loss) for the year     50,350 1,561 5,405    
Total assets   6,224,913 6,224,913 425,360 56,198    
Total liabilities   16,266 16,266 65,491 792    
Total shareholders equity   R$ 6,208,647 R$ 6,208,647 R$ 420,794 R$ 55,406