| Schedule of income statements and other significant data |
| Schedule of income statements and other significant data |
|
|
|
| Thousand of Reais |
2025 |
| Income Statement |
Commercial Banking |
Global Wholesale Banking |
Total |
| NET INTEREST INCOME |
53,125,730 |
4,508,588 |
57,634,318 |
| Equity instrument income |
7,579 |
77,949 |
85,528 |
| Income from companies accounted for by the equity method |
373,830 |
84,483 |
458,313 |
| Net fee and commission income |
15,396,640 |
2,098,816 |
17,495,456 |
| Gains (losses) on financial assets and liabilities (net) and Exchange differences (net) (1) |
(4,206,481) |
4,337,744 |
131,263 |
| Other operating expense (net) |
(703,532) |
(104,789) |
(808,321) |
| TOTAL INCOME |
63,993,766 |
11,002,791 |
74,996,557 |
| Personnel expenses |
(10,568,513) |
(1,130,833) |
(11,699,346) |
| Other administrative expenses |
(8,208,448) |
(1,030,644) |
(9,239,092) |
| Depreciation and amortization |
(2,466,865) |
(158,918) |
(2,625,783) |
| Provisions (net) |
(4,894,082) |
(84,596) |
(4,978,678) |
| Impairment losses on financial assets (net) |
(28,817,676) |
(722,186) |
(29,539,862) |
| Impairment losses on non-financial assets (net) |
(312,712) |
(84,234) |
(396,946) |
| Other non-financial gains (losses) |
212,144 |
- |
212,144 |
| OPERATING PROFIT BEFORE TAX (1) |
8,937,614 |
7,791,380 |
16,728,994 |
| Currency Hedge(1) |
(363,712) |
- |
(363,712) |
| ADJUSTED OPERATING INCOME BEFORE TAX (1) |
8,573,902 |
7,791,380 |
16,365,282 |
| |
|
|
|
| Thousand of Reais |
2024 |
| Income Statement |
Commercial Banking |
Global Wholesale Banking |
Total |
| NET INTEREST INCOME |
51,563,173 |
5,115,387 |
56,678,560 |
| Equity instrument income |
5,109 |
78,538 |
83,647 |
| Income from companies accounted for by the equity method |
259,321 |
53,665 |
312,986 |
| Net fee and commission income |
14,943,536 |
2,261,673 |
17,205,209 |
| Gains (losses) on financial assets and liabilities (net) and Exchange differences (net) (1) |
(1,487,662) |
1,616,667 |
129,005 |
| Other operating expense (net) |
(479,848) |
(172,273) |
(652,121) |
| TOTAL INCOME |
64,803,629 |
8,953,657 |
73,757,286 |
| Personnel expenses |
(10,534,033) |
(1,063,963) |
(11,597,996) |
| Other administrative expenses |
(7,835,919) |
(982,589) |
(8,818,508) |
| Depreciation and amortization |
(2,599,134) |
(131,884) |
(2,731,018) |
| Provisions (net) |
(4,582,750) |
(12,488) |
(4,595,238) |
| Impairment losses on financial assets (net) |
(28,450,756) |
(33,274) |
(28,484,030) |
| Impairment losses on non-financial assets (net) |
(252,550) |
63 |
(252,487) |
| Other non-financial gains (losses) |
1,912,219 |
- |
1,912,219 |
| OPERATING PROFIT BEFORE TAX (1) |
12,460,706 |
6,729,522 |
19,190,228 |
| Currency Hedge(1) |
664,616 |
- |
664,616 |
| ADJUSTED OPERATING INCOME BEFORE TAX (1) |
13,125,322 |
6,729,522 |
19,854,844 |
| |
|
|
|
| Thousand of Reais |
2023 |
| Income Statement |
Commercial Banking |
Global Wholesale Banking |
Total |
| NET INTEREST INCOME |
44,651,967 |
2,232,067 |
46,884,034 |
| Equity instrument income |
3,514 |
18,665 |
22,179 |
| Income from companies accounted for by the equity method |
184,889 |
54,347 |
239,236 |
| Net fee and commission income |
13,269,837 |
2,370,128 |
15,639,965 |
| Gains (losses) on financial assets and liabilities (net) and Exchange differences (net) (1) |
(1,125,430) |
4,920,116 |
3,794,686 |
| Other operating expense (net) |
(595,993) |
(119,797) |
(715,790) |
| TOTAL INCOME |
56,388,784 |
9,475,526 |
65,864,310 |
| Personnel expenses |
(9,753,972) |
(1,059,954) |
(10,813,926) |
| Other administrative expenses |
(7,866,949) |
(881,766) |
(8,748,715) |
| Depreciation and amortization |
(2,621,353) |
(119,597) |
(2,740,950) |
| Provisions (net) |
(4,404,408) |
(20,004) |
(4,424,412) |
| Impairment losses on financial assets (net) |
(26,582,759) |
(1,425,327) |
(28,008,086) |
| Impairment losses on non-financial assets (net) |
(250,044) |
(129) |
(250,173) |
| Other non-financial gains (losses) |
1,043,603 |
- |
1,043,603 |
| OPERATING PROFIT BEFORE TAX (1) |
5,952,902 |
5,968,749 |
11,921,651 |
| Currency Hedge(1) |
(163,165) |
- |
(163,165) |
| ADJUSTED OPERATING INCOME BEFORE TAX (1) |
5,789,737 |
5,968,749 |
11,758,486 |
| (1) |
Includes, within the Commercial Bank, the foreign exchange hedge of the dollar investment (a strategy to mitigate the tax effects and
exchange rate fluctuations of offshore investments on net income), with its result recorded in 'Gains (losses) on financial assets and
liabilities,' fully offset in the Tax line. |
|