| Tangible assets |
The Bank's tangible assets consist of fixed assets
for its own use. The Bank does not hold any tangible assets as investment property nor are any assets leased under operating lease arrangements.
a) Breakdown
The detail, by class of asset, of the tangible assets
in the consolidated balance sheets is as follows:
| Schedule of tangible assets |
|
|
|
|
|
|
|
| Thousand of Reais |
|
|
|
|
|
|
|
| Cost |
Land and buildings |
Furniture, Equipment, and Vehicles |
Leased Fixed Assets |
Facilities |
Improvements to third party properties |
Fixed Assets in Progress |
Total |
| Balance on December 31, 2023 |
2,644,882 |
7,896,258 |
3,266,685 |
1,870,381 |
4,075,464 |
110,171 |
19,863,841 |
| Additions |
440 |
450,877 |
130,696 |
29,535 |
138,179 |
105,267 |
854,994 |
| Write-off |
(47,160) |
(516,980) |
- |
(133,840) |
(650,968) |
(394) |
(1,349,342) |
| Cancellation of lease agreements |
- |
- |
(601,124) |
- |
- |
- |
(601,124) |
| Transfers |
- |
82,214 |
- |
7,169 |
20,306 |
(109,689) |
- |
| Balance on December 31, 2024 |
2,598,162 |
7,912,369 |
2,796,257 |
1,773,245 |
3,582,981 |
105,355 |
18,768,369 |
| |
|
|
|
|
|
|
|
| Additions |
- |
307,624 |
361,295 |
33,709 |
80,028 |
138,705 |
921,361 |
| Write-off |
(83,429) |
(1,736,033) |
(17,915) |
(121,931) |
(614,920) |
(171) |
(2,574,398) |
| Cancellation of lease agreements |
- |
- |
(1,324,249) |
- |
- |
- |
(1,324,249) |
| Transfers |
(4,421) |
51,558 |
- |
27,566 |
30,441 |
(105,143) |
- |
| Balance on December 31, 2025 |
2,510,312 |
6,535,519 |
1,815,388 |
1,712,588 |
3,078,529 |
138,746 |
15,791,082 |
| |
|
|
|
|
|
|
|
| Accumulated depreciation |
Land and buildings |
Furniture, Equipment, and Vehicles |
Leased Fixed Assets |
Facilities |
Improvements to third party properties |
Fixed Assets in Progress |
Total |
| Balance on December 31, 2023 |
(1,033,630) |
(5,386,398) |
(1,873,759) |
(1,427,031) |
(3,052,923) |
- |
(12,773,741) |
| Additions |
(84,982) |
(831,244) |
(390,712) |
(89,836) |
(189,503) |
|
(1,586,277) |
| Write-off |
39,899 |
429,930 |
527,577 |
115,207 |
504,441 |
|
1,617,054 |
| Balance on December 31, 2024 |
(1,078,713) |
(5,787,712) |
(1,736,894) |
(1,401,660) |
(2,737,985) |
- |
(12,742,964) |
| |
|
|
|
|
|
|
|
| Additions |
(69,933) |
(491,174) |
(294,817) |
(83,263) |
(147,848) |
- |
(1,087,034) |
| Write-off |
23,460 |
1,553,784 |
933,570 |
100,465 |
476,303 |
- |
3,087,582 |
| Balance on December 31, 2025 |
(1,125,186) |
(4,725,102) |
(1,098,140) |
(1,384,458) |
(2,409,529) |
- |
(10,742,416) |
| |
|
|
|
|
|
|
|
| Impairment losses: |
|
|
|
|
|
|
|
| Balance on December 31, 2023 |
(4,537) |
- |
- |
- |
- |
- |
(4,537) |
| |
|
|
|
|
|
|
|
| Impacts on results |
1,034 |
|
|
|
|
|
1,034 |
| Balance on December 31, 2024 |
(3,503) |
- |
- |
- |
- |
|
(3,503) |
| |
|
|
|
|
|
|
|
| Impacts on results |
970 |
- |
- |
- |
- |
|
970 |
| Balance on December 31, 2025 |
(2,533) |
- |
- |
- |
- |
|
(2,533) |
| |
|
|
|
|
|
|
|
| Book Value |
|
|
|
|
|
|
|
| Balance on December 31, 2024 |
1,515,947 |
2,124,655 |
1,059,363 |
371,585 |
844,996 |
105,354 |
6,021,900 |
| Balance on December 31, 2025 |
1,382,593 |
1,810,417 |
717,247 |
328,130 |
669,000 |
138,746 |
5,046,133 |
Depreciation expenses were recorded under the “Depreciation
and Amortization” line item in the income statement.
b) Impairment losses
For the period ended December 31, 2025, an impairment
expense of R$20,001 (12/31/2024 – R$14,720) and loss due to obsolescence and discontinuation of fixed assets in the amount of R$268,868
(12/31/2024 - R$231,088)
c) Commitment to purchase tangible assets
As of December 31, 2025, the Bank had no contractual
commitments for the acquisition of tangible assets.
|