LOANS AND LEASES (Tables)

12 Months Ended

Dec. 31, 2010

Loans and Leases (Tables) [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

Schedule of loans by type of loan

	12/31/2010		12/31/2009
Commercial		141,708		113,223
Industrial and other		132,670		104,505
Import financing		2,342		1,895
Export financing		6,696		6,823
Real estate loans		16,271		10,939
Leases, mainly vehicles		37,704		47,230
Public sector		1,138		1,611
Individuals		95,923		67,601
Overdraft		4,204		4,119
Consumer Finance operations, including vehicles		54,658		32,701
Credit card		37,061		30,781
Agricultural		5,425		5,132
TOTAL		298,169		245,736

Impaired Financing Receivables [Table Text Block]

Impaired loans by types of financial receivables

			12/31/2010
	Recorded Amount		Unpaid principal balance		Related Allowance for loan losses		Average book value		Recognized interest revenue
Corporate		884		871		454		1,371		50
Total		884		871		454		1,371		50

Loans Past Due Age Analysis [Table Text Block]

Age analysis of the past due loans

	12/31/2010
	Current and past due Up to 30 days		Past due  from 31 to 60 days		Past due  from 61 to 90 days (*)		Past due  over 90 days		Total past due over 30 days		Total
Individuals		115,540		3,347		1,624		7,978		12,949		128,489
Credit Card		32,705		401		372		2,719		3,492		36,197
Personal Loans		21,045		525		336		2,112		2,973		24,018
Vehicles		54,044		2,331		872		3,007		6,210		60,254
Mortgage Loans		7,746		90		44		140		274		8,020
Corporate		76,363		55		44		122		221		76,584
Small and Medium Businesses		73,171		1,114		710		4,619		6,443		79,614
Foreign Loans Latin America		13,385		31		15		51		97		13,482
Total		278,459		4,547		2,393		12,770		19,710		298,169

(*) Loans in non-accrual status. There are no loans more than 60 days overdue that are in accrual status

Measurement Of Levels Of Risk By Pd and Indicators Of Credit Quality [Table Text Block]

Correlation between the levels of risk as measured by the PD

Internal Rating	PD
Strong	Lower than 4.44%
Satisfactory	From 4.44% up to 25.95%
Higher Risk	Higher than 25.95%

Financing Receivable Credit Quality Indicators [Table Text Block]

Segregation of loans by class of finance receivables based on the credit quality indicators

	12/31/2010
	Strong			Satisfactory			Higher Risk			Impaired			TOTAL
Individuals		66,639			43,116			10,270			8,464			128,489
Credit Card		16,157			14,153			3,144			2,743			36,197
Personal Loans		10,530			7,026			4,221			2,241			24,018
Vehicles		32,423			21,666			2,850			3,315			60,254
Mortgage Loans		7,529			271			55			165			8,020
Corporate		73,051			2,505			143			885			76,584
Small and Medium Businesses		47,918			17,029			9,811			4,856			79,614
Foreign Loans Latin America		13,431			-			-			51			13,482
Total		201,039			62,650			20,224			14,256			298,169
%		67.4	%		21.0	%		6.8	%		4.8	%		100.0	%

Ratio Of Performing and Nonperforming Loans To Total Loans [Table Text Block]

Ratio of performing and non-performing loans to total loans

	12/31/2010
	Performing		Non Performing		% NPL			Total
Individuals		118,886		9,603		7.5	%		128,489
Credit Card		33,105		3,092		8.5	%		36,197
Personal Loans		21,570		2,448		10.2	%		24,018
Vehicles		56,375		3,879		6.4	%		60,254
Mortgage Loans		7,836		184		2.3	%		8,020
Corporate		76,418		166		0.2	%		76,584
Small and Medium Businesses		74,285		5,329		6.7	%		79,614
Foreign Loans Latin America		13,416		66		0.5	%		13,482
Total		283,005		15,164		5.1	%		298,169

Credit Impaired Loans Purchased Under Business Combination [Table Text Block]

Credit Impaired Loans purchased under a Business combination

	February 18, 2009
Contractually required payments (including interest)		4,116
Less:  non-accretable difference		(2,882	)
Cash flow expected to be collected representing undiscounted principal and interest at acquisition		1,234
Less: Accretable yield		(144	)
Fair value of loans acquired		1,090

Accretable Yield Activity On Credit Impaired Loans [Table Text Block]

Accretable yield activitiy on Credit impaired loans

Balance as of January 1, 2009	-
Acquisition of Unibanco	144
Accretion into interest income	(80	)
Balance as of December 31, 2009	64
Balance as of January 1, 2010	64
Accretion into interest income	(64	)
Balance as of December 31, 2010	-