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Loan and lease operations (Tables)
 12 Months Ended
Dec. 31, 2021
Text Block [Abstract]  
Summary of Composition of Carrying Amount of Loan Operations and Lease Operations by Type, Sector of Debtor, Maturity and Concentration
Below is the composition of the carrying amount of loan operations and lease operations by type, sector of debtor, maturity and concentration:
 
Loans and lease operations by type
   
12/31/2021
     
12/31/2020
  
Individuals
   
 
332,536
 
   
 
255,483
 
Credit card
      112,809        87,073  
Personal loan
      42,235        35,346  
Payroll loans
      63,416        55,508  
Vehicles
      29,621        23,290  
Mortgage loans
      84,455        54,266  
Corporate
   
 
135,034
 
   
 
134,521
 
Micro / small and medium companies
   
 
149,970
 
   
 
121,955
 
Foreign loans - Latin America
   
 
205,050
 
   
 
202,145
 
    
 
 
     
 
 
  
Total loans and lease operations
   
 
822,590
 
   
 
714,104
 
    
 
 
     
 
 
  
Provision for Expected Loss
(1)
      (44,316 )       (48,322 ) 
    
 
 
     
 
 
  
Total loans and lease operations, net of Expected Credit Loss
   
 
778,274
 
   
 
665,782
 
    
 
 
     
 
 
  
 
(1)
Comprises Expected Credit Loss for Financial Guarantees Pledged R$ (767) (R$ (907) at 12/31/2020) and Loan commitments R$ (4,433) (R$ (3,485) at 12/31/2020).
 
By maturity
   
12/31/2021
     
12/31/2020
  
Overdue as from 1 day
      20,960        18,683  
Falling due up to 3 months
      211,329        172,497  
Falling due from 3 months to 12 months
      205,119        181,033  
Falling due after 1 year
      385,182        341,891  
    
 
 
     
 
 
  
Total loans and lease operations
   
 
  822,590
 
   
 
714,104
 
    
 
 
     
 
 
  
 
By concentration
   
12/31/2021
     
12/31/2020
  
Largest debtor
      6,414        7,243  
10 largest debtors
      33,694        37,863  
20 largest debtors
      49,541        54,812  
50 largest debtors
      79,403        83,438  
100 largest debtors
      111,116        112,333  
Summary of Reconciliation of Gross Portfolio of Loan Operations and Lease Operations
Reconciliation of gross portfolio of loans and lease operations, segregated by stages:
 
Stage 1
  
Balance at
12/31/2020
    
Transfer to
Stage 2
    
Transfer to
Stage 3
(1)
   
  Cure from  
Stage 2
    
Cure from
Stage 3
    
Derecognition
    
Acquisition /
(Settlement)
    
Closing balance
12/31/2021
  
Individuals
     199,158       (30,578 )      (1,663 )      12,788       —         —         90,666       270,371  
Corporate
     123,665       (865 )      (109 )      1,338       43       —         4,447       128,519  
Micro / Small and medium companies
     96,784       (14,019 )      (960 )      9,630       146       —         32,974       124,555  
Foreign loans - Latin America
     167,601       (8,527 )      (929 )      5,794       468       —         14,312       178,719  
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Total
  
 
587,208
 
  
 
(53,989
) 
  
 
(3,661
) 
  
 
29,550
 
  
 
657
 
  
 
—  
 
  
 
142,399
 
  
 
702,164
 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
                 
Stage 2
  
Balance at
12/31/2020
    
Cure to

Stage 1
    
Transfer to

Stage 3
    
Transfer from
Stage 1
    
Cure from

Stage 3
    
Derecognition
    
Acquisition /
(Settlement)
    
Closing balance
12/31/2021
  
Individuals
     30,793       (12,788 )      (7,207 )      30,578       1,141       —         (4,349 )      38,168  
Corporate
     2,793       (1,338 )      (182 )      865       20       —         (558 )      1,600  
Micro / Small and medium companies
     15,965       (9,630 )      (2,867 )      14,019       742       —         (1,480 )      16,749  
Foreign loans - Latin America
     16,692       (5,794 )      (3,630 )      8,527       959       —         (3,365 )      13,389  
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Total
  
 
66,243
 
  
 
(29,550
) 
  
 
(13,886
) 
  
 
53,989
 
  
 
2,862
 
  
 
—  
 
  
 
(9,752
) 
  
 
69,906
 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
                 
Stage 3
  
Balance at
12/31/2020
    
Cure to

Stage 1
    
Cure to

Stage 2
    
Transfer from

Stage 1
    
Transfer from
Stage 2
    
Derecognition
    
Acquisition /
(Settlement)
    
Closing balance

12/31/2021
  
Individuals
     25,532       —         (1,141 )      1,663       7,207       (10,309 )      1,045       23,997  
Corporate
     8,063       (43 )      (20 )      109       182       (310 )      (3,066 )      4,915  
Micro / Small and medium companies
     9,206       (146 )      (742 )      960       2,867       (2,354 )      (1,125 )      8,666  
Foreign loans - Latin America
     17,852       (468 )      (959 )      929       3,630       (5,034 )      (3,008 )      12,942  
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Total
  
 
60,653
 
  
 
(657
) 
  
 
(2,862
) 
  
 
3,661
 
  
 
13,886
 
  
 
(18,007
) 
  
 
(6,154
) 
  
 
50,520
 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
 
Consolidated 3 Stages
   
Balance at

12/31/2020
     
Derecognition
     
Acquisition /
(Settlement)
     
Closing balance
12/31/2021
  
Individuals
      255,483        (10,309 )       87,362        332,536  
Corporate
      134,521        (310 )       823        135,034  
Micro / Small and medium companies
      121,955        (2,354 )       30,369        149,970  
Foreign loans - Latin America
      202,145        (5,034 )       7,939        205,050  
    
 
 
     
 
 
     
 
 
     
 
 
  
Total
(2)
  
 
714,104
 
   
 
(18,007
) 
   
 
126,493
 
   
 
822,590
 
    
 
 
     
 
 
     
 
 
     
 
 
  
 
(1)
In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part thereof have first gone through stage 2.
(2)
Comprises R$ 29,875 pegged to Libor.
Reconciliation of gross portfolio of loan and lease operations, segregated by stages:
 
Stage 1
  
Balance at

12/31/2019
    
Transfer to

Stage 2
    
Transfer to

Stage 3
(1)
   
Cure from

Stage 2
    
Cure from

Stage 3
    
Derecognition
    
Acquisition /

(Settlement)
    
Closing balance

12/31/2020
  
Individuals
     199,907       (32,363 )      (1,779 )      10,186       38       —         23,169       199,158  
Corporate
     91,448       (2,822 )      (82 )      996       299       —         33,826       123,665  
Micro / Small and medium companies
     77,722       (14,370 )      (1,501 )      4,827       875       —         29,231       96,784  
Foreign loans - Latin America
     132,812       (12,793 )      (2,456 )      3,229       47       —         46,762       167,601  
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Total
  
 
501,889
 
  
 
(62,348
) 
  
 
(5,818
) 
  
 
19,238
 
  
 
1,259
 
  
 
—  
 
  
 
132,988
 
  
 
587,208
 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
 
Stage 2
  
Balance at

12/31/2019
    
Cure to

Stage 1
    
Transfer to

Stage 3
    
Transfer from

Stage 1
    
Cure from

Stage 3
    
Derecognition
    
Acquisition /

(Settlement)
    
Closing balance

12/31/2020
  
Individuals
     19,070       (10,186 )      (7,158 )      32,363       964       —         (4,260 )      30,793  
Corporate
     911       (996 )      (370 )      2,822       51       —         375       2,793  
Micro / Small and medium companies
     7,225       (4,827 )      (2,193 )      14,370       483       —         907       15,965  
Foreign loans - Latin America
     14,714       (3,229 )      (11,998 )      12,793       834       —         3,578       16,692  
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Total
  
 
41,920
 
  
 
(19,238
) 
  
 
(21,719
) 
  
 
62,348
 
  
 
2,332
 
  
 
—  
 
  
 
600
 
  
 
66,243
 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
 
Stage 3
  
Balance at

12/31/2019
    
Cure to

Stage 1
    
Cure to

Stage 2
    
Transfer from

Stage 1
    
Transfer from

Stage 2
    
Derecognition
    
Acquisition /

(Settlement)
    
Closing balance

12/31/2020
  
Individuals
     21,513       (38 )      (964 )      1,779       7,158       (11,764 )      7,848       25,532  
Corporate
     8,430       (299 )      (51 )      82       370       570       (1,039 )      8,063  
Micro / Small and medium companies
     5,786       (875 )      (483 )      1,501       2,193       (1,836 )      2,920       9,206  
Foreign loans - Latin America
     6,253       (47 )      (834 )      2,456       11,998       (608 )      (1,366 )      17,852  
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Total
  
 
41,982
 
  
 
(1,259
) 
  
 
(2,332
) 
  
 
5,818
 
  
 
21,719
 
  
 
(13,638
) 
  
 
8,363
 
  
 
60,653
 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
 
Consolidated 3 Stages
   
Balance at

12/31/2019
     
Derecognition
     
Acquisition /

(Settlement)
     
Closing balance

12/31/2020
  
Individuals
      240,490        (11,764 )       26,757        255,483  
Corporate
      100,789        570        33,162        134,521  
Micro / Small and medium companies
      90,733        (1,836 )       33,058        121,955  
Foreign loans - Latin America
      153,779        (608 )       48,974        202,145  
    
 
 
     
 
 
     
 
 
     
 
 
  
Total
(2)
  
 
585,791
 
   
 
(13,638
) 
   
 
141,951
 
   
 
714,104
 
    
 
 
     
 
 
     
 
 
     
 
 
  
 
(1)
In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part thereof have first gone through stage 2.
(2)
Comprises R$ 40,454 pegged to Libor.
Summary of Reconciliation of Expected Loan Losses for Loan Operations and Lease Operations
Reconciliation of expected credit loss of loans and lease operations, segregated by stages:
 
                                                                                                                                                                                                                         
Stage 1
  
Balance at

12/31/2020
    
Transfer to

Stage 2
    
Transfer to

Stage 3
(1)
   
Cure from

Stage 2
    
Cure from

Stage 3
    
Derecognition
    
(Increase) /

Reversal
    
Closing balance
12/31/2021
  
Individuals
  
 
(5,403
) 
  
 
1,435
 
  
 
203
 
  
 
(579
) 
  
 
—  
 
  
 
—  
 
  
 
(2,507
) 
  
 
(6,851
) 
Corporate
  
 
(740
) 
  
 
36
 
  
 
8
 
  
 
(132
) 
  
 
(2
) 
  
 
—  
 
  
 
417
 
  
 
(413
) 
Micro / Small and medium companies
  
 
(1,273
) 
  
 
592
 
  
 
64
 
  
 
(464
) 
  
 
(51
) 
  
 
—  
 
  
 
(680
) 
  
 
(1,812
) 
Foreign loans - Latin America
  
 
(2,389
) 
  
 
226
 
  
 
12
 
  
 
(179
) 
  
 
(46
) 
  
 
—  
 
  
 
3
 
  
 
(2,373
) 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Total
  
 
(9,805
) 
  
 
2,289
 
  
 
287
 
  
 
(1,354
) 
  
 
(99
) 
  
 
—  
  
  
 
(2,767
) 
  
 
(11,449
) 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
 
                                                                                                                                                                                                                         
Stage 2
  
Balance at

12/31/2020
    
Cure to

Stage 1
    
Transfer to

Stage 3
    
Transfer from

Stage 1
    
Cure from

Stage 3
    
Derecognition
    
(Increase) /

Reversal
    
Closing balance

12/31/2021
  
Individuals
  
 
(3,255
) 
  
 
579
 
  
 
2,639
 
  
 
(1,435
) 
  
 
(79
) 
  
 
—  
 
  
 
(2,950
) 
  
 
(4,501
) 
Corporate
  
 
(1,261
) 
  
 
132
 
  
 
32
 
  
 
(36
) 
  
 
(6
) 
  
 
—  
 
  
 
274
 
  
 
(865
) 
Micro / Small and medium companies
  
 
(1,337
) 
  
 
464
 
  
 
685
 
  
 
(592
) 
  
 
(112
) 
  
 
—  
 
  
 
(664
) 
  
 
(1,556
) 
Foreign loans - Latin America
  
 
(2,029
) 
  
 
179
 
  
 
867
 
  
 
(226
) 
  
 
(284
) 
  
 
—  
 
  
 
140
 
  
 
(1,353
) 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Total
  
 
(7,882
) 
  
 
1,354
 
  
 
4,223
 
  
 
(2,289
) 
  
 
(481
) 
  
 
—  
  
  
 
(3,200
) 
  
 
(8,275
) 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
 
                                                                                                                                                                                                                         
Stage 3
  
Balance at

12/31/2020
    
Cure to

Stagee 1
    
Cure to

Stag 2
    
Transfer from

Stage 1
    
Transfer from

Stage 2
    
Derecognition
    
(Increase) /
Reversal
    
Closing balance

12/31/2021
  
Individuals
  
 
(12,472
) 
  
 
—  
 
  
 
79
 
  
 
(203
) 
  
 
(2,639
) 
  
 
10,309
 
  
 
(7,942
) 
  
 
(12,868
) 
Corporate
  
 
(5,952
) 
  
 
2
 
  
 
6
 
  
 
(8
) 
  
 
(32
) 
  
 
310
 
  
 
2,145
 
  
 
(3,529
) 
Micro / Small and medium companies
  
 
(3,759
) 
  
 
51
 
  
 
112
 
  
 
(64
) 
  
 
(685
) 
  
 
2,354
 
  
 
(2,032
) 
  
 
(4,023
) 
Foreign loans - Latin America
  
 
(8,452
) 
  
 
46
 
  
 
284
 
  
 
(12
) 
  
 
(867
) 
  
 
5,034
 
  
 
(205
) 
  
 
(4,172
) 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Total
  
 
(30,635
) 
  
 
99
 
  
 
481
 
  
 
(287
) 
  
 
(4,223
) 
  
 
18,007
  
  
 
(8,034
) 
  
 
(24,592
) 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
 
Consolidated 3 Stages
   
Balance at

12/31/2020
     
Derecognition
     
(Increase) /

Reversal
     
Closing balance at
12/31/2021 
(2)
  
Individuals
      (21,130 )       10,309        (13,399 )       (24,220 ) 
Corporate
      (7,953 )       310        2,836        (4,807 ) 
Micro / Small and medium companies
      (6,369 )       2,354        (3,376 )       (7,391 ) 
Foreign loans - Latin America
      (12,870 )       5,034        (62 )       (7,898 ) 
    
 
 
     
 
 
     
 
 
     
 
 
  
Total
   
 
(48,322
) 
   
 
18,007
 
   
 
(14,001
) 
   
 
(44,316
) 
    
 
 
     
 
 
     
 
 
     
 
 
  
 
(1)
In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part thereof have first gone through stage 2.
(2)
Comprises Expected Credit Loss for Financial Guarantees R$ (767) (R$ (907) at 12/31/2020) and Loan Commitments R$ (4,433) (R$ (3,485) at 12/31/2020).
Reconciliation of expected credit loss of loans and lease operations, segregated by stages:
 
                                                                                                                                                                                                                         
Stage 1
  
Balance at

12/31/2019
    
Transfer to

Stage 2
    
Transfer to

Stage 3
(1)
   
Cure from

Stage 2
    
   Cure from   

Stage 3
    
Derecognition
    
(Increase) /
Reversal
    
Closing balance

12/31/2020
  
Individuals
  
 
(5,215
) 
  
 
1,541
 
  
 
197
 
  
 
(525
) 
  
 
—  
 
  
 
—  
 
  
 
(1,401
) 
  
 
(5,403
) 
Corporate
  
 
(506
) 
  
 
205
 
  
 
3
 
  
 
(180
) 
  
 
(17
) 
  
 
—  
 
  
 
(245
) 
  
 
(740
) 
Micro / Small and medium companies
  
 
(1,092
) 
  
 
698
 
  
 
90
 
  
 
(306
) 
  
 
(41
) 
  
 
—  
 
  
 
(622
) 
  
 
(1,273
) 
Foreign loans - Latin America
  
 
(1,353
) 
  
 
275
 
  
 
513
 
  
 
(104
) 
  
 
(12
) 
  
 
—  
 
  
 
(1,708
) 
  
 
(2,389
) 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Total
  
 
(8,166
) 
  
 
2,719
 
  
 
803
 
  
 
(1,115
) 
  
 
(70
) 
  
 
—  
  
  
 
(3,976
) 
  
 
(9,805
) 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
 
                                                                                                                                                                                                                         
Stage 2
  
Balance at

12/31/2019
    
Cure to

Stage 1
    
Transfer to

Stage 3
    
Transfer from

Stage 1
    
   Cure from   

Stage 3
    
Derecognition
    
(Increase) /
Reversal
    
Closing balance

12/31/2020
  
Individuals
  
 
(2,811
) 
  
 
525
 
  
 
2,872
 
  
 
(1,541
) 
  
 
(69
) 
  
 
—  
 
  
 
(2,231
) 
  
 
(3,255
) 
Corporate
  
 
(91
) 
  
 
180
 
  
 
63
 
  
 
(205
) 
  
 
(9
) 
  
 
—  
 
  
 
(1,199
) 
  
 
(1,261
) 
Micro / Small and medium companies
  
 
(890
) 
  
 
306
 
  
 
550
 
  
 
(698
) 
  
 
(92
) 
  
 
—  
 
  
 
(513
) 
  
 
(1,337
) 
Foreign loans - Latin America
  
 
(2,765
) 
  
 
104
 
  
 
2,084
 
  
 
(275
) 
  
 
(218
) 
  
 
—  
 
  
 
(959
) 
  
 
(2,029
) 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Total
  
 
(6,557
) 
  
 
1,115
 
  
 
5,569
 
  
 
(2,719
) 
  
 
(388
) 
  
 
—  
  
  
 
  (4,902
) 
  
 
  (7,882
) 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
 
                                                                                                                                                                                                                         
Stage 3
  
Balance at

12/31/2019
    
Cure to

Stage 1
    
Cure to

Stage 2
    
Transfer from

Stage 1
    
Transfer from

Stage 2
    
Derecognition
    
(Increase) /
Reversal
    
Closing balance
12/31/2020
  
Individuals
  
 
(11,427
) 
  
 
—  
 
  
 
69
 
  
 
(197
) 
  
 
(2,872
) 
  
 
11,764
 
  
 
(9,809
) 
  
 
(12,472
) 
Corporate
  
 
(6,288
) 
  
 
17
 
  
 
9
 
  
 
(3
) 
  
 
(63
) 
  
 
(570
) 
  
 
946
 
  
 
(5,952
) 
Micro / Small and medium companies
  
 
(2,567
) 
  
 
41
 
  
 
92
 
  
 
(90
) 
  
 
(550
) 
  
 
1,836
 
  
 
(2,521
) 
  
 
(3,759
) 
Foreign loans - Latin America
  
 
(2,503
) 
  
 
12
 
  
 
218
 
  
 
(513
) 
  
 
(2,084
) 
  
 
608
 
  
 
(4,190
) 
  
 
(8,452
) 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
Total
  
 
(22,785
) 
  
 
70
 
  
 
388
 
  
 
(803
) 
  
 
(5,569
) 
  
 
13,638
 
  
 
(15,574
) 
  
 
(30,635
) 
   
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
    
 
 
  
 
Consolidated 3 Stages
   
Balance at

12/31/2019
     
Derecognition
     
(Increase) /

Reversal 
(2)
     
Closing balance at
12/31/2020
(3)
  
Individuals
      (19,453 )       11,764        (13,441 )       (21,130 ) 
Corporate
      (6,885 )       (570 )       (498 )       (7,953 ) 
Micro / Small and medium companies
      (4,549 )       1,836        (3,656 )       (6,369 ) 
Foreign loans - Latin America
      (6,621 )       608        (6,857 )       (12,870 ) 
    
 
 
     
 
 
     
 
 
     
 
 
  
Total
   
 
(37,508
) 
   
 
13,638
 
   
 
(24,452
) 
   
 
(48,322
) 
    
 
 
     
 
 
     
 
 
     
 
 
  
 
(1)
In the movement of transfer of operations from stage 1 to stage 3 over the period, a representative part thereof have first gone through stage 2.
(2)
The increase in the Expected Credit Loss is related to the change in the macroeconomic scenario as from the second half of March 2020 and that impacted our provisioning model for expected loss (Note 33a).
(3)
Comprises expected credit loss for Financial Guarantees R$ (907) (R$ (837) at 12/31/2019) and Loan Commitments R$ (3,485) (R$ (3,303) at 12/31/2019).
Summary of Analysis of Present Value of Minimum Future Payments Receivable From Finance Leases by Maturity
Finance leases aire composed of vehicles, machines, equipment and real estate in Brazil and abroad. The analysis of portfolio maturities is presented below:
 
    
12/31/2021
     
12/31/2020
  
    
Payments

receivable
     
Future financial

income
    
Present

value
     
Payments

receivable
     
Future financial

income
    
Present

value
  
Current
   
 
2,365
 
   
 
(351
) 
  
 
2,014
 
   
 
2,277
 
   
 
(597
) 
  
 
1,680
 
Up to 1 year
      2,365        (351 )      2,014        2,277        (597 )      1,680  
Non-current
   
 
9,342
 
   
 
(2,743
) 
  
 
6,599
 
   
 
10,553
 
   
 
(2,956
) 
  
 
7,597
 
From 1 to 2 years
      1,727        (456 )      1,271        1,809        (472 )      1,337  
From 2 to 3 years
      1,394        (369 )      1,025        1,424        (398 )      1,026  
From 3 to 4 years
      1,042        (296 )      746        1,153        (337 )      816  
From 4 to 5 years
      834        (251 )      583        930        (289 )      641  
Over 5 years
      4,345        (1,371 )      2,974        5,237        (1,460 )      3,777  
    
 
 
     
 
 
    
 
 
     
 
 
     
 
 
    
 
 
  
Total
   
 
11,707
 
   
 
(3,094
) 
  
 
8,613
 
   
 
12,830
 
   
 
(3,553
) 
  
 
9,277
 
    
 
 
     
 
 
    
 
 
     
 
 
     
 
 
    
 
 
  
Summary of finance lease income
Financial lease revenues are composed of:
 
    
01/01 to

12/31/2021
     
01/01 to

12/31/2020
     
01/01 to

12/31/2019
  
Financial Income
      742        645        612  
Variable payments
      10        40        39  
    
 
 
     
 
 
     
 
 
  
Total
   
 
752
 
   
 
685
 
   
 
651
 
    
 
 
     
 
 
     
 
 
  
Summary Securitization or Transfer of Financial Assets
 
    
12/31/2021
     
12/31/2020
  
    
Assets
     
Liabilities
(*)
    
Assets
     
Liabilities
(*)
 
Nature of operation
   
Book

value
     
Fair value
     
Book

value
     
Fair value
     
Book

value
     
Fair value
     
Book

value
     
Fair value
  
Mortgage loan
      235        235        235        234        349        366        347        362  
Working capital
      800        800        795        795        1,297        1,299        1,310        1,312  
    
 
 
     
 
 
     
 
 
     
 
 
     
 
 
     
 
 
     
 
 
     
 
 
  
Total
   
 
1,035
 
   
 
1,035
 
   
 
1,030
 
   
 
1,029
 
   
 
1,646
 
   
 
1,665
 
   
 
1,657
 
   
 
1,674
 
    
 
 
     
 
 
     
 
 
     
 
 
     
 
 
     
 
 
     
 
 
     
 
 
  
 
(*)
Under Other liabilities.