v3.25.4
Other disclosures (Tables)
 12 Months Ended
Dec. 31, 2025
Other Disclosures  
Schedule maximum potential amount of future payments
   
Thousand of Reais 2025 2024
Maximum potential amount of future payments    
Contingent liabilities    
Guarantees and other sureties 55,292,666 60,657,334
Financial guarantees  21,812,379 33,246,872
Performance guarantees 3,145,657 1,903,656
Financial letters of credit 30,317,862 25,485,782
Other 16,768 21,024
Other contingent exposures 3,624,677 3,730,419
Documentary Credits 3,624,677 3,730,419
Total Contingent Liabilities 58,917,343 64,387,753
     
Commitments    
Loan commitments drawable by third parties (1) 235,479,099 205,309,683
Total Commitments 235,479,099 205,309,683
     
Total  294,396,442 269,697,436
(1) Includes approved and unutilized limits for overdrafts, credit cards, and other similar facilities.
Schedule of funds managed by Banco Santander not recognized on its balance sheet
   
Thousand of Reais 2025 2024
Funds under investment management (1) - 134,133
Administered Funds 227,012,763 242,717,969
Total 227,012,763 242,852,102
(1) In 2025, the management of the funds was transferred to Santander Brasil Gestão de Recursos Ltda.
Schedule of residual maturity
             
              2025
 

On

Demand

Up to

3 Months

3 to

12 Months

1 to

3 Years

3 to

5 Years

After 5

Years

 Total
Assets:              
Cash  20,232,729 - - - - - 20,232,729
Debt instruments 997,982 27,898,675 63,721,953 64,924,884 46,781,813 75,283,554 279,608,861
Equity instruments 4,954,756 - - - - - 4,954,756
Loans and amounts due from credit institutions 375,187 26,274,530 7,004,532 2,182,758 110,916 - 35,947,923
Loans and advances to customer 103,367,757 130,196,993 119,102,830 113,987,986 41,465,669 56,427,321 564,548,556
Derivatives - 47,239,976 4,662,446 6,628,902 - 7,276,374 65,807,698
Balances with the Brazilian Central Bank 90,684,085 84,421,117 6,644,050 - - - 181,749,252
Total 220,612,496 316,031,291 201,135,811 187,724,530 88,358,398 138,987,249 1,152,849,775
               
Liabilities:              
Financial liabilities at amortized cost:              
Deposits from credit institutions (1) 3,727,499 91,572,827 50,164,339 1,402,856 - - 146,867,521
Customer deposits (1) 93,212,490 261,558,684 126,932,829 80,556,538 30,233,704 834,551 593,328,796
Marketable debt securities (1) - 4,841,702 18,656,164 40,033,889 70,206,415 26,187,386 159,925,556
Debt Instruments Eligible to Compose Capital - - - - - 28,113,937 28,113,937
Other financial liabilities 3,310,946 4,638,196 192,372 59,158,320 91,622 22,546 67,414,002
Short positions - 22,581,504 10,117,743 1,376,194 - 15,304,618 49,380,059
Derivatives - 42,240,588 4,653,740 4,654,737 - 8,462,926 60,011,991
Total 100,250,935 427,433,501 210,717,187 187,182,534 100,531,741 78,925,964 1,105,041,862
 Difference (assets less liabilities) 120,361,561 (111,402,210) (9,581,376) 541,996 (12,173,343) 60,061,285 47,807,913
 
               
              2024
  On
Demand		 Up to
3 Months		 3 to
12 Months		 1 to
3 Years		 3 to
5 Years		 After 5
Years		 Total
Assets:              
Cash  15,131,969 21,952,285 - - - - 37,084,254
Debt instruments 110,385 28,818,116 43,426,801 80,644,990 56,763,284 74,409,608 284,173,184
Equity instruments 2,117,553 571,818 198,961 100,124 - - 2,988,456
Loans and amounts due from credit institutions 41,763 6,746,688 4,400,946 12,206,990 6,157,811 623,429 30,177,627
Loans and advances to customer 38,842,391 149,527,493 112,549,440 147,550,348 68,790,302 48,829,940 566,089,914
Derivatives 22,753 17,117,638 588,359 18,411,051 1,701,330 2,365,168 40,206,299
Balances with the Brazilian Central Bank 167,800,211 - - - - - 167,800,211
Total 224,067,025 224,734,038 161,164,507 258,913,503 133,412,727 126,228,145 1,128,519,945
               
Liabilities:              
Financial liabilities at amortized cost:              
Deposits from credit institutions (1) 3,388,235 72,720,534 66,515,869 12,938,966 2,038,443 963,435 158,565,482
Customer deposits (1) 227,425,242 184,353,360 87,235,595 46,521,772 59,474,729 57,465 605,068,163
Marketable debt securities (1) - 23,042,497 3,980,720 42,216,454 55,260,981 15,177,476 139,678,128
Debt Instruments Eligible to Compose Capital - - - - - 23,137,784 23,137,784
Other financial liabilities 1,121,506 20,529,202 7,482,333 37,652,435 12,377,824 13,879 79,177,179
Short positions - 972,415 2,728,931 5,637,952 11,872,654 18,184,714 39,396,666
Derivatives - 4,506,806 5,611,956 12,539,932 1,652,110 15,099,470 39,410,274
Total 231,934,983 306,124,814 173,555,404 157,507,511 142,676,741 72,634,223 1,084,433,676
Difference (assets less liabilities) (7,867,958) (81,390,776) (12,390,897) 101,405,992 (9,264,014) 53,593,922 44,086,269

 

(1) Includes liabilities that may be subject to early settlement, comprising: demand and time deposits, repurchase agreements with clients, Real Estate Credit Notes (LCI), and Agribusiness Credit Notes (LCA).
Schedule of main foreign currency balances
   
Equivalent Value in Thousand of Reais 2025 2024
  Assets Liabilities Assets Liabilities
         
Cash  14,780,432 - 22,500,450 -
Financial ssets/liabilities measured at fair value through profit or loss held for trading 9,671,662 7,981,591 14,413,853 12,658,267
Financial assets/liabilities measured at amortized cost 93,642,915 157,559,409 105,973,276 174,910,624
Total 118,095,009 165,541,000 142,887,579 187,568,891
Schedule of future minimum payments of non-cancellable operating leases
   
  2025 2024
Up to 1 Year 366,739 469,244
Between 1 to 5 Years 912,695 1,004,390
More than 5 Years 63,578 139,324
Total 1,343,012 1,612,958