Loans and advances to customers (Tables)
|
12 Months Ended |
Dec. 31, 2025 |
|---|
| Notes and other explanatory information [abstract] |
|
| Schedule of classification, of the balances of loans and advances to customers |
| Schedule of classification, of the balances of loans and
advances to customers |
|
|
| Thousand of Reais |
2025 |
2024 |
| Classification: |
|
|
| Financial assets measured at fair value through profit or loss |
6,413,587 |
4,911,803 |
| Financial assets measured at amortized cost |
558,134,969 |
561,178,111 |
| Comprising: |
|
|
| Loans and advances to customers at amortized cost |
595,626,402 |
594,776,041 |
| Allowance for loan losses due to impairment |
(37,491,433) |
(33,597,930) |
| Loans and advances to customers, net |
564,548,556 |
566,089,914 |
| Loans and advances to customers, gross |
602,039,989 |
599,687,844 |
| |
|
|
| Thousand of Reais |
2025 |
2024 |
| Type: |
|
|
| Loan operations (1) |
582,482,877 |
573,391,121 |
| Leasing operations |
3,601,894 |
3,343,208 |
| Other receivables (2) |
15,955,218 |
22,953,515 |
| Total |
602,039,989 |
599,687,844 |
(1) Includes loans, financings, and other forms of credit
with credit characteristics.
(2) These
operations primarily relate to Foreign Exchange Transactions and Other Receivables with credit granting characteristics.
|
| Schedule of gross of impairment losses |
| Schedule of gross of impairment losses |
|
|
| Thousand of Reais |
2025 |
2024 |
| Loan borrower sector: |
|
|
| Commercial, and industrial |
246,928,344 |
241,177,143 |
| Real Estate Credit - Construction |
70,157,866 |
64,820,223 |
| Loans to Individuals |
281,358,799 |
290,347,270 |
| Leasing |
3,594,980 |
3,343,208 |
| Total |
602,039,989 |
599,687,844 |
|
| Schedule of interest rate formula |
| Schedule of interest rate formula |
|
|
| Thousand of Reais |
2025 |
2024 |
| Interest Rate Formula: |
|
|
| Fixed interest rate |
422,138,647 |
427,753,814 |
| Floating interest rate |
179,901,342 |
171,934,030 |
| Total |
602,039,989 |
599,687,844 |
|
| Schedule of debt sector by maturity |
| Schedule of debt sector by maturity |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
2025 |
| Borrower Segment by Maturity |
Less than 1 year |
% of total |
Between 1 and 5 years |
% of total |
More than 5 years |
% of total |
|
Total |
|
% of total |
| |
|
|
|
|
|
|
|
|
|
|
| Commercial and Industrial |
162,251,019 |
50.41% |
78,660,984 |
39.14% |
6,016,340 |
7.60% |
|
246,928,343 |
|
41.02% |
| Real Estate Credit |
6,004,680 |
1.87% |
13,062,231 |
6.50% |
51,090,956 |
64.54% |
|
70,157,867 |
|
11.65% |
| Loans to Individuals |
152,094,746 |
47.25% |
107,265,821 |
53.37% |
21,998,232 |
27.79% |
|
281,358,799 |
|
46.73% |
| Leasing |
1,531,276 |
0.48% |
2,010,021 |
1.00% |
53,683 |
0.07% |
|
3,594,980 |
|
0.60% |
| Loans and advances to customers, gross |
321,881,721 |
100.00% |
200,999,057 |
100.00% |
79,159,211 |
100.00% |
|
602,039,989 |
|
100.00% |
| |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
2024 |
| Borrower Segment by Maturity |
Less than 1 year |
% of total |
Between 1 and 5 years |
% of total |
More than 5 years |
% of total |
|
Total |
|
% of total |
| |
|
|
|
|
|
|
|
|
|
|
| Commercial and Industrial |
161,568,313 |
50.37% |
75,022,533 |
37.55% |
4,586,297 |
5.79% |
|
241,177,143 |
|
40.22% |
| Real Estate Credit |
5,426,403 |
1.69% |
12,241,469 |
6.13% |
47,152,351 |
59.58% |
|
64,820,223 |
|
10.81% |
| Loans to Individuals |
152,201,789 |
47.45% |
110,761,071 |
55.44% |
27,384,410 |
34.60% |
|
290,347,270 |
|
48.42% |
| Leasing |
1,577,662 |
0.49% |
1,743,417 |
0.87% |
22,129 |
0.03% |
|
3,343,208 |
|
0.56% |
| Loans and advances to customers, gross |
320,774,167 |
100.00% |
199,768,490 |
100.00% |
79,145,187 |
100.00% |
|
599,687,844 |
|
100.00% |
| |
|
|
|
|
|
|
|
|
|
|
|
| Schedule of maturity |
| Schedule of maturity |
|
|
| Thousand of Reais |
2025 |
2024 |
| |
|
|
| By Maturity |
|
|
| Under 1 year |
321,881,721 |
320,774,167 |
| From 1 and 5 years |
200,999,058 |
199,768,490 |
| Over 5 years |
79,159,210 |
79,145,187 |
| Loans and advances to customers, gross |
602,039,989 |
599,687,844 |
| |
|
|
| By Internal risk classification |
|
|
| Low |
411,269,061 |
443,671,010 |
| Medium-low |
135,638,317 |
105,285,608 |
| Medium |
18,147,181 |
16,421,302 |
| Medium - high |
11,600,825 |
11,575,874 |
| High |
25,384,605 |
22,734,050 |
| Loans and advances to customers, gross |
602,039,989 |
599,687,844 |
|
| Schedule of provisions for impairment losses |
| Schedule of provisions for impairment losses |
|
|
|
|
| Thousand of Reais |
|
|
|
2025 |
| |
Stage 1 |
Stage 2 |
Stage 3 |
|
| |
Expected loan losses in 12 months |
Expected loan losses over the useful life not subject to impairment |
Expected loan losses over the useful life subject to impairment |
Total |
| Balance at the beginning of the fiscal year |
4,183,653 |
5,424,192 |
26,061,062 |
35,668,907 |
| Impairment losses recognized in profit or loss |
527,869 |
4,717,689 |
22,246,808 |
27,492,366 |
| Transfers between stages |
646,591 |
3,857,430 |
18,838,120 |
23,342,141 |
| Changes during the period |
(118,722) |
860,259 |
3,408,688 |
4,150,225 |
| Comprising: |
|
|
|
|
| Commercial and Industrial |
1,532,673 |
26,131 |
5,999,012 |
7,557,816 |
| Real Estate Credit - Construction |
(195,394) |
28,444 |
456,924 |
289,974 |
| Loans to Individuals |
(811,317) |
4,657,792 |
15,785,122 |
19,631,597 |
| Leasing |
1,907 |
5,322 |
5,751 |
12,980 |
| Changes by Stage |
(805,984) |
(3,047,008) |
3,852,992 |
- |
| Write-off of impaired balances recognized in loss provisions |
- |
- |
(22,502,647) |
(22,502,647) |
| Comprising: |
|
|
|
|
| Commercial and Industrial |
- |
- |
(4,949,687) |
(4,949,687) |
| Real Estate Credit - Construction |
- |
- |
(120,837) |
(120,837) |
| Loans to Individuals |
- |
- |
(17,428,285) |
(17,428,285) |
| Leasing |
- |
- |
(3,838) |
(3,838) |
| Foreign Exchange Fluctuation |
12,867 |
6,431 |
16,255 |
35,553 |
| Balance at the end of the fiscal year |
3,881,814 |
7,082,727 |
29,729,641 |
40,694,182 |
| Comprising: |
|
|
|
|
| Loans and advances to Customers |
3,610,101 |
6,685,874 |
27,195,458 |
37,491,433 |
| Loans and other receivables from credit institutions (Note 5) |
926 |
- |
- |
926 |
| Provision for debt instruments (Note 6) |
270,787 |
396,853 |
2,534,183 |
3,201,823 |
| Recoveries of previously written-off loans |
- |
- |
1,415,408 |
1,415,409 |
| Comprising: |
|
|
|
|
| Commercial and Industrial |
- |
- |
520,446 |
520,446 |
| Real Estate Credit - Construction |
- |
- |
90,756 |
90,756 |
| Loans to Individuals |
- |
- |
801,882 |
801,882 |
| Leasing |
- |
- |
2,325 |
2,325 |
| Discount Granted |
- |
- |
(3,462,905) |
(3,462,905) |
| |
|
|
|
|
| Thousand of Reais |
|
|
|
2024 |
| |
Stage 1 |
Stage 2 |
Stage 3 |
|
| |
Expected loan losses in 12 months |
Expected loan losses over the useful life not subject to impairment |
Expected loan losses over the useful life subject to impairment |
Total |
| Balance at the beginning of the fiscal year |
3,551,060 |
5,809,160 |
25,791,851 |
35,152,071 |
| Impairment losses recognized in profit or loss |
3,596,815 |
4,407,546 |
17,969,153 |
25,973,514 |
| Transfers between stages |
(1,090,735) |
2,055,390 |
17,064,748 |
18,029,403 |
| Changes during the period |
4,687,550 |
2,352,156 |
904,405 |
7,944,111 |
| Comprising: |
|
|
|
|
| Commercial and Industrial |
325,319 |
810,188 |
4,894,190 |
6,029,697 |
| Real Estate Credit - Construction |
(153,110) |
135,523 |
265,825 |
248,238 |
| Loans to Individuals |
3,423,858 |
3,460,624 |
12,796,319 |
19,680,801 |
| Leasing |
747 |
1,210 |
12,821 |
14,778 |
| Changes by Stage |
(2,941,647) |
(4,780,338) |
7,721,985 |
- |
| Write-off of impaired balances recognized in loss provisions |
- |
- |
(25,401,779) |
(25,401,779) |
| Comprising: |
|
|
|
|
| Commercial and Industrial |
- |
- |
(7,447,925) |
(7,447,925) |
| Real Estate Credit - Construction |
- |
- |
(76,697) |
(76,697) |
| Loans to Individuals |
- |
- |
(17,875,232) |
(17,875,232) |
| Leasing |
- |
- |
(1,925) |
(1,925) |
| Foreign Exchange Fluctuation |
(22,575) |
(12,176) |
(20,148) |
(54,899) |
| Balance at the end of the fiscal year |
4,183,653 |
5,424,192 |
26,061,062 |
35,668,907 |
| Comprising: |
|
|
|
|
| Loans and advances to Customers |
4,047,725 |
5,369,369 |
24,180,836 |
33,597,930 |
| Loans and other receivables from credit institutions (Note 5) |
1,421 |
- |
- |
1,421 |
| Provision for debt instruments (Note 6) |
134,507 |
54,823 |
1,880,226 |
2,069,556 |
| Recoveries of previously written-off loans |
- |
- |
993,906 |
993,906 |
| Comprising: |
|
|
|
|
| Commercial and Industrial |
- |
- |
49,838 |
49,838 |
| Real Estate Credit - Construction |
- |
- |
396,276 |
396,276 |
| Loans to Individuals |
- |
- |
542,986 |
542,986 |
| Leasing |
- |
- |
4,806 |
4,806 |
| Discount Granted |
- |
- |
(3,504,422) |
(3,504,422) |
| |
|
|
| Thousand of Reais |
2025 |
2024 |
| Balance at the beginning of the fiscal year |
35,668,907 |
35,152,071 |
| Impairment losses recognized in profit or loss |
27,492,366 |
25,973,514 |
| Comprising: |
|
|
| Commercial and Industrial |
7,557,815 |
6,029,697 |
| Real Estate Credit - Construction |
289,974 |
248,238 |
| Loans to Individuals |
19,631,597 |
19,680,801 |
| Leasing |
12,980 |
14,778 |
| Write-off of impaired balances recognized in loss provisions |
(22,502,647) |
(25,401,779) |
| Comprising: |
|
|
| Commercial and Industrial |
(4,949,687) |
(7,447,925) |
| Real Estate Credit - Construction |
(120,837) |
(76,697) |
| Loans to Individuals |
(17,428,285) |
(17,875,232) |
| Leasing |
(3,838) |
(1,925) |
| Foreign Exchange Fluctuation |
35,553 |
(54,899) |
| Balance at the end of the fiscal year |
40,694,182 |
35,668,907 |
| Comprising: |
|
|
| Loans and advances to Customers |
37,491,433 |
33,597,930 |
| Loans and other receivables from credit institutions (Note 5) |
926 |
1,421 |
| Provision for debt instruments (Note 6) |
3,201,823 |
2,069,556 |
| Recoveries of previously written-off loans |
1,415,409 |
993,906 |
| Comprising: |
|
|
| Commercial and Industrial |
520,446 |
396,276 |
| Real Estate Credit - Construction |
90,756 |
49,838 |
| Loans to Individuals |
801,882 |
542,986 |
| Leasing |
2,325 |
4,806 |
|
| Schedule of provisions for impairment losses |
| Schedule of provisions for impairment losses
|
|
|
| Thousand of Reais |
2025 |
2024 |
| Commercial and industrial |
13,121,033 |
10,512,903 |
| Real estate - Construction |
759,020 |
589,884 |
| Installment loans to individuals |
26,784,341 |
24,545,476 |
| Lease financing |
29,788 |
20,644 |
| Total |
40,694,182 |
35,668,907 |
|
| Schedule of loans and advances to customers |
| Schedule of loans and advances to customers |
|
|
|
| Thousand of Reais |
2025 |
2024 |
2023 |
| Balance at the start of the period |
42,242,354 |
39,886,905 |
39,223,835 |
| Net Additions |
30,132,275 |
30,069,416 |
30,393,982 |
| Written-off Assets |
(23,474,917) |
(27,713,967) |
(29,730,912) |
| Balance at the end of the fiscal year |
48,899,712 |
42,242,354 |
39,886,905 |
|
| Schedule of non-recoverable financial assets |
| Schedule
of non-recoverable financial assets |
|
|
| Thousand of Reais |
2025 |
2024 |
| With balances not yet due or maturing within 3 Months |
26,313,437 |
23,183,630 |
| With outstanding balances of: |
|
|
| 3 to 6 Months |
7,290,728 |
5,591,700 |
| 6 to 12 Months |
10,988,860 |
9,564,597 |
| 12 to 18 Months |
2,843,758 |
2,018,442 |
| 18 to 24 Months |
667,280 |
750,668 |
| More than 24 Months |
795,649 |
1,133,317 |
| Total |
48,899,712 |
42,242,354 |
| Thousand of Reais |
2025 |
2024 |
| By borrower segment: |
|
|
| Commercial and Industrial |
17,291,310 |
13,175,496 |
| Real Estate Credit - Construction |
1,808,673 |
1,736,049 |
| Loans to Individuals |
29,779,108 |
27,283,775 |
| Leasing |
20,621 |
47,034 |
| Total |
48,899,712 |
42,242,354 |
|
| Schedule of loan past due for less than 90 days but not classified as impaired |
| Schedule of loan past due for less than 90 days but not classified as impaired |
|
|
|
|
| Thousand of Reais |
2025 |
% of total loans overdue for less than 90 days |
2024 |
% of total loans overdue for less than 90 days |
| Commercial, Financial and Industrial |
7,238,755 |
24.71% |
7,439,903 |
25.97% |
| Real Estate Credit - Construction |
6,693,601 |
22.85% |
6,046,747 |
21.11% |
| Installment Loans to Individuals |
15,331,081 |
52.34% |
15,123,824 |
52.79% |
| Financial Leasing |
30,247 |
0.10% |
37,325 |
0.13% |
| Total (1) |
29,293,684 |
100.00% |
28,647,799 |
100.00% |
| (1) |
Refers exclusively to loans between 1 and 90 days. |
|
| Schedule of gross investment in lease transactions |
| Schedule of gross investment in lease transactions |
|
|
| Thousand of Reais |
2025 |
2024 |
| Overdue |
17,221 |
8,581 |
| Due: |
|
|
| Within 1 year |
224,459 |
1,456,825 |
| In 1 to 5 years |
3,052,723 |
2,294,813 |
| In over 5 years |
306,293 |
26,684 |
| Total |
3,600,696 |
3,786,903 |
|