Risk and Capital Management (Tables)

12 Months Ended

Dec. 31, 2021

Text Block [Abstract]

Disclosure Of Financial Assets At Amortised Cost And At Fair Value Through Other Comprehensive Income And The Impact On Expected Credit Loss In Various Scenarios

The table below shows the amount of financial assets at amortized cost and at fair value through other comprehensive income, expected loss and the impacts on the calculation of expected credit loss in the adoption of 100% of each scenario:

12/31/2021											12/31/2020
				Reduction/(Increase) of												Reduction/(Increase) of
Financial Assets (1)	Expected Loss (2)			Expected Loss							Financial Assets (1)		Expected Loss (2)			Expected Loss
				Pessimistic scenario			Base scenario		Optimistic scenario							Pessimistic scenario			Base scenario		Optimistic scenario
1,078,891		(46,348	)		(340	)		163		1,788		951,343		(51,480	)		(830	)		491		1,416

(1) Composed of Loan operations, lease operations and securities.

(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).

Summary of Credit Risk Exposure

	12/31/2021									12/31/2020
	Brazil			Abroad			Total			Brazil			Abroad			Total
Financial Assets		1,325,332			485,649			1,810,981			1,294,428			466,835			1,761,263
At Amortized Cost		920,576			350,614			1,271,190			861,485			324,255			1,185,740
Interbank deposits		17,795			52,147			69,942			17,775			37,910			55,685
Securities purchased under agreements to resell		159,974			9,744			169,718			237,528			2,415			239,943
Voluntary investments with the Central Bank of Brazil		5,800			—			5,800			—			—			—
Securities		125,875			21,871			147,746			103,146			26,658			129,804
Loan and lease operations		562,646			259,944			822,590			468,461			245,643			714,104
Other financial assets		81,398			15,075			96,473			67,425			25,830			93,255
(-) Provision for Expected Loss		(32,912	)		(8,167	)		(41,079	)		(32,850	)		(14,201	)		(47,051	)
At Fair Value Through Other Comprehensive Income		44,648			60,974			105,622			48,992			60,950			109,942
Securities		44,648			60,974			105,622			48,992			60,950			109,942
At Fair Value Through Profit or Loss		360,108			74,061			434,169			383,951			81,630			465,581
Securities		343,339			21,628			364,967			365,718			23,353			389,071
Derivatives		16,612			52,433			69,045			18,227			58,277			76,504
Other financial assets		157			—			157			6			—			6
Financial liabilities – provision for expected loss		4,543			657			5,200			3,655			737			4,392
Loan Commitments		4,115			318			4,433			3,135			350			3,485
Financial Guarantees		428			339			767			520			387			907
Off balance sheet		446,267			73,431			519,698			372,542			58,773			431,315
Financial guarantees		62,548			20,362			82,910			51,830			17,103			68,933
Letters of credit to be released		45,773			—			45,773			41,477			—			41,477
Loan commitments		337,946			53,069			391,015			279,235			41,670			320,905
Mortgage loans		10,709			—			10,709			6,357			—			6,357
Overdraft accounts		147,878			—			147,878			126,302			—			126,302
Credit cards		176,384			3,840			180,224			144,386			3,859			148,245
Other pre-approved limits		2,975			49,229			52,204			2,190			37,811			40,001
Total		1,767,056			558,423			2,325,479			1,663,315			524,871			2,188,186

Summary of Maximum Exposure of Financial Assets Segregated by Business Sector

Loan and lease operations

	12/31/2021		%		12/31/2020		%
Industry and commerce		190,491		23.1		163,784		22.9
Services		173,332		21.1		172,322		24.1
Other sectors		37,652		4.6		37,565		5.3
Individuals		421,115		51.2		340,433		47.7
Total		822,590		100.0		714,104		100.0

Other financial assets (*)

	12/31/2021		%		12/31/2020		%
Public sector		580,619		62.2		713,705		71.2
Services		150,831		16.2		79,788		8.0
Other sectors		83,521		9.0		67,636		6.8
Financial		117,869		12.6		139,820		14.0
Total		932,840		100.0		1,000,949		100.0

(*) Includes Financial Assets at Fair Value through Profit and Loss, Financial Assets at Fair Value through Other Comprehensive Income and Financial Assets at Amortized Cost, except for Loan and Lease Operations and Other Financial Assets.

Summary of Breakdown of Indicators of Credit Quality

12/31/2021
	Stage 1								Stage 2								Stage 3								Total Consolidated of 3 stages
	Loan Operations		Loan commitments		Financial Guarantees		Total		Loan Operations		Loan commitments		Financial Guarantees		Total		Loan Operations		Loan commitments		Financial Guarantees		Total		Loan Operations		Loan commitments		Financial Guarantees		Total
Individuals		270,371		220,961		944		492,276		38,168		20,723		—		58,891		23,997		686		—		24,683		332,536		242,370		944		575,850
Corporate		128,519		23,882		52,429		204,830		1,600		200		535		2,335		4,915		23		2,478		7,416		135,034		24,105		55,442		214,581
Micro/Small and medium companies		124,555		71,158		7,605		203,318		16,749		4,823		130		21,702		8,666		222		141		9,029		149,970		76,203		7,876		234,049
Foreign loans - Latin America		178,719		46,629		17,776		243,124		13,389		1,621		713		15,723		12,942		87		159		13,188		205,050		48,337		18,648		272,035
Total		702,164		362,630		78,754		1,143,548		69,906		27,367		1,378		98,651		50,520		1,018		2,778		54,316		822,590		391,015		82,910		1,296,515
%		61.4		31.7		6.9		100.0		70.9		27.7		1.4		100.0		93.0		1.9		5.1		100.0		63.4		30.2		6.4		100.0

	12/31/2020
	Stage 1								Stage 2								Stage 3								Total Consolidated of 3 stages
	Loan Operations		Loan commitments		Financial Guarantees		Total		Loan Operations		Loan commitments		Financial Guarantees		Total		Loan Operations		Loan commitments		Financial Guarantees		Total		Loan Operations		Loan commitments		Financial Guarantees		Total
Individuals		199,158		190,273		854		390,285		30,793		19,387		—		50,180		25,532		987		—		26,519		255,483		210,647		854		466,984
Corporate		123,665		17,670		43,602		184,937		2,793		16		595		3,404		8,063		93		2,516		10,672		134,521		17,779		46,713		199,013
Micro/Small and medium companies		96,784		50,813		5,434		153,031		15,965		3,884		440		20,289		9,206		307		131		9,644		121,955		55,004		6,005		182,964
Foreign loans - Latin America		167,601		35,960		14,498		218,059		16,692		1,414		676		18,782		17,852		101		187		18,140		202,145		37,475		15,361		254,981
Total		587,208		294,716		64,388		946,312		66,243		24,701		1,711		92,655		60,653		1,488		2,834		64,975		714,104		320,905		68,933		1,103,942
%		62.1		31.1		6.8		100.0		71.5		26.7		1.8		100.0		93.3		2.3		4.4		100.0		64.7		29.1		6.2		100.0

Summary of Internal Rating

	12/31/2021								12/31/2020
Internal Rating	Stage 1		Stage 2		Stage 3		Total loan operations		Stage 1		Stage 2		Stage 3		Total loan operations
Low		662,839		42,028		—		704,867		501,463		13,172		—		514,635
Medium		38,980		19,239		—		58,219		84,193		37,249		—		121,442
High		345		8,639		—		8,984		1,552		15,822		—		17,374
Credit-Impaired		—		—		50,520		50,520		—		—		60,653		60,653
Total		702,164		69,906		50,520		822,590		587,208		66,243		60,653		714,104
%		85.4		8.5		6.1		100.0		82.2		9.3		8.5		100.0

Maximum Exposure of Other Financial Assets by Type and Classification of Credit Risk

Other financial assets

	12/31/2021
			Stage 1				Stage 2				Stage 3
	Fair Value		Cost		Fair Value		Cost		Fair Value		Cost		Fair Value
Investment funds		20,139		4,906		4,914		15,224		15,225		—		—
Government securities		423,085		426,959		423,085		—		—		—		—
Brazilian government		362,449		365,947		362,449		—		—		—		—
Other Public		—		36		—		—		—		—		—
Abroad		60,636		60,976		60,636		—		—		—		—
Argentina		1,335		1,310		1,335		—		—		—		—
United States		7,189		7,226		7,189		—		—		—		—
Mexico		12,413		12,424		12,413		—		—		—		—
Spain		6,131		6,132		6,131		—		—		—		—
Korea		5,604		5,604		5,604		—		—		—		—
Chile		21,399		21,552		21,399		—		—		—		—
Paraguay		1,469		1,526		1,469		—		—		—		—
Uruguay		1,258		1,256		1,258		—		—		—		—
Colombia		3,830		3,938		3,830		—		—		—		—
Peru		8		8		8		—		—		—		—
Corporate securities		173,163		169,489		167,457		3,391		2,789		4,993		2,917
Rural product note		12,744		12,474		12,597		146		121		38		26
Real estate receivables certificates		4,999		5,063		4,999		—		—		—		—
Bank deposit certificate		390		392		390		—		—		—		—
Debentures		103,659		99,438		98,867		2,383		1,923		4,704		2,869
Eurobonds and other		10,206		10,236		10,194		12		12		—		—
Financial bills		10,168		10,185		10,168		—		—		—		—
Promissory and commercial notes		8,901		8,874		8,901		—		—		—		—
Other		22,096		22,827		21,341		850		733		251		22
Total		616,387		601,354		595,456		18,615		18,014		4,993		2,917

	12/31/2020
			Stage 1				Stage 2				Stage 3
	Fair Value		Cost		Fair Value		Cost		Fair Value		Cost		Fair Value
Investment funds		14,204		3,232		2,997		10,943		10,943		1,232		264
Government securities		483,791		479,477		483,791		—		—		—		—
Brazilian government		422,098		417,782		422,098		—		—		—		—
Other Public		—		36		—		—		—		—		—
Abroad		61,693		61,659		61,693		—		—		—		—
Argentina		1,498		1,480		1,498		—		—		—		—
United States		5,835		5,847		5,835		—		—		—		—
Mexico		10,222		10,227		10,222		—		—		—		—
Italy		130		133		130		—		—		—		—
Spain		4,844		4,847		4,844		—		—		—		—
Korea		3,947		3,951		3,947		—		—		—		—
Chile		23,195		23,183		23,195		—		—		—		—
Paraguay		2,950		3,011		2,950		—		—		—		—
Uruguay		978		964		978		—		—		—		—
Colombia		8,089		8,012		8,089		—		—		—		—
Peru		5		4		5		—		—		—		—
Corporate securities		127,757		122,695		122,326		3,485		2,738		5,873		2,693
Rural product note		5,823		5,717		5,723		38		36		115		64
Real estate receivables certificates		5,342		5,290		5,268		77		73		—		1
Bank deposit certificate		1,066		1,064		1,066		—		—		—		—
Debentures		62,723		57,963		58,365		2,402		1,779		5,462		2,579
Eurobonds and other		7,604		7,445		7,604		—		—		—		—
Financial bills		15,783		15,784		15,783		—		—		—		—
Promissory and commercial notes		7,629		7,611		7,629		—		—		—		—
Other		21,787		21,821		20,888		968		850		296		49
Total		625,752		605,404		609,114		14,428		13,681		7,105		2,957

Summary of Financial Assets Individually Evaluated Classified by Rating

Other Financial Assets—Internal Classification by Level of Risk

	12/31/2021
	Financial Assets - At Amortized Cost
Internal rating	Interbank deposits and securities purchased under agreements to resell		Securities		Financial assets at fair value through profit or loss (*)		Financial Assets at fair value through other comprehensive income		Total
Low		245,442		142,416		430,729		105,622		924,209
Medium		—		4,399		3,219		—		7,618
High		18		931		64		—		1,013
Total		245,460		147,746		434,012		105,622		932,840
%		26.4		15.8		46.5		11.3		100.0

(*) Includes Derivatives in the amount of R$ 69,045 at 12/31/2021.

	12/31/2020
	Financial Assets -Amortized Cost
Internal rating	Interbank deposits and securities purchased under agreements to resell		Securities		Financial assets at fair value through profit or loss (*)		Financial Assets at fair value through other comprehensive income		Total
Low		295,334		123,553		463,168		109,942		991,997
Medium		—		4,396		2,192		—		6,588
High		294		1,855		215		—		2,364
Total		295,628		129,804		465,575		109,942		1,000,949
%		29.5		13.0		46.5		11.0		100.0

(*) Includes Derivatives in the amount of R$ 76,504 at 12/31/2020.

Summary of Collateral for Loans and Financial Lease Operations

Collateral for loans and lease operations

	12/31/2021								12/31/2020
	Over-collateralized assets				Under-collateralized assets				Over-collateralized assets				Under-collateralized assets
	Carrying value of the assets		Fair value of collateral		Carrying value of the assets		Fair value of collateral		Carrying value of the assets		Fair value of collateral		Carrying value of the assets		Fair value of collateral
Individuals		113,194		282,131		1,014		907		80,907		202,819		1,746		1,621
Personal (1)		2,436		8,338		639		583		1,960		6,759		737		698
Vehicles (2)		26,941		68,275		368		318		21,595		44,673		999		918
Mortgage loans (3)		83,817		205,518		7		6		57,352		151,387		10		5
Micro, small and medium companies and corporates (4)		170,334		634,871		32,436		26,933		151,129		444,696		31,582		27,011
Foreign loans – Latin America (4)		168,968		330,020		9,782		4,152		161,987		309,489		15,381		9,050
Total		452,496		1,247,022		43,232		31,992		394,023		957,004		48,709		37,682

(1) In general requires financial collaterals.

(2) Vehicles themselves are pledged as collateral, as well as assets leased in lease operations.

(3) Properties themselves are pledged as collateral.

(4) Any collateral set forth in the credit policy of ITAÚ UNIBANCO HOLDING (chattel mortgage, surety/joint debtor, mortgage and others).

Of total loan and lease operations, R$ 326,862 (R$ 271,372 at 12/31/2020) represented unsecured loans.

Summary of VaR Total - Historical Simulation

	VaR Total (Historical Simulation) (in millions of Reais)
	12/31/2021 (*)									12/31/2020 (*)
	Average		Maximum		Minimum		Var Total			Average		Minimum		Minimum		Var Total
VaR by Risk Factor Group
Interest rates		937		425		1,411		1,257			614		292		1,961		431
Currencies		18		10		37		13			20		9		71		24
Shares		42		17		98		24			23		9		49		30
Commodities		4		1		8		4			2		1		4		1
Effect of diversification		—		—		—		(602	)		—		—		—		(263	)
Total risk		441		198		707		696			282		166		763		223

(*) VaR by Group of Risk Factors considers information from foreign units.

Summary of Position of Accounts Subject to Interest Rate Risk

The table below shows the accounting position of financial assets and liabilities exposed to interest rate risk, distributed by maturity (remaining contractual terms). This table is not used directly to manage interest rate risks; it is mostly used to permit the assessment of mismatching between accounts and products associated thereto and to identify possible risk concentration.

	12/31/2021																	12/31/2020
	0-30 days			31-180 days			181-365 days			1-5 years			Over 5 years			Total		0-30 days			31-180 days			181-365 days			1-5 years			Over 5 years			Total
Financial assets		463,079			294,051			193,279			642,495			253,300			1,846,204		478,065			335,803			185,587			568,219			227,397			1,795,071
At amortized cost		401,056			258,580			152,270			345,538			148,969			1,306,413		406,497			251,388			121,432			314,949			125,282			1,219,548
Compulsory deposits in the Central Bank of Brazil		92,580			—			—			—			—			92,580		83,133			—			—			—			—			83,133
Interbank deposits		51,138			7,050			5,861			5,669			216			69,934		34,998			5,410			8,178			6,864			187			55,637
Securities purchased under agreements to resell		142,405			26,532			—			403			371			169,711		196,053			43,625			170			10			77			239,935
Voluntary investments with the Central Bank of Brazil		5,800			—			—			—			—			5,800		—			—			—			—			—			—
Securities		4,427			12,884			27,858			69,965			30,664			145,798		9,325			16,907			11,440			55,070			33,997			126,739
Loan and lease operations		104,706			212,114			118,551			269,501			117,718			822,590		82,988			185,446			101,644			253,005			91,021			714,104
At fair value through other comprehensive income		10,420			9,286			6,722			63,256			15,938			105,622		13,357			12,557			6,958			54,452			22,618			109,942
At fair value through profit and loss		51,603			26,185			34,287			233,701			88,393			434,169		58,211			71,858			57,197			198,818			79,497			465,581
Securities		36,111			13,872			28,532			212,911			73,541			364,967		40,577			63,455			48,092			178,565			58,382			389,071
Derivatives		15,492			12,292			5,632			20,777			14,852			69,045		17,634			8,403			9,099			20,253			21,115			76,504
Other financial assets		—			21			123			13			—			157		—			—			6			—			—			6
Financial liabilities		660,751			127,205			107,515			361,399			228,857			1,485,727		624,542			141,647			122,233			452,797			118,616			1,459,835
At amortized cost		653,598			110,994			99,753			340,944			216,959			1,422,248		607,741			134,640			109,560			426,488			101,753			1,380,182
Deposits		402,930			52,259			38,563			220,822			135,798			850,372		370,604			80,456			59,955			277,055			20,940			809,010
Securities sold under repurchase agreements		239,843			2,627			725			5,659			3,994			252,848		220,219			3,001			1,962			23,811			24,371			273,364
Interbank market funds		9,976			46,610			41,520			69,043			9,996			177,145		9,542			48,407			36,972			56,482			4,632			156,035
Institutional market funds		439			9,045			18,422			43,559			67,171			138,636		6,950			2,247			10,142			67,159			51,810			138,308
Premium bonds plans		410			453			523			1,861			—			3,247		426			529			529			1,981			—			3,465
At fair value through profit and loss		7,153			16,211			7,762			20,455			11,898			63,479		16,801			7,007			12,673			26,309			16,863			79,653
Derivatives		7,153			16,174			7,625			20,404			11,848			63,204		16,791			7,002			12,672			26,252			16,788			79,505
Structured notes		—			—			16			48			50			114		10			—			1			57			75			143
Other financial liabilities		—			37			121			3			—			161		—			5			—			—			—			5
Difference assets / liabilities (*)		(197,672	)		166,846			85,764			281,096			24,443			360,477		(146,477	)		194,156			63,354			115,422			108,781			335,236
Cumulative difference		(197,672	)		(30,826	)		54,938			336,034			360,477					(146,477	)		47,679			111,033			226,455			335,236
Ratio of cumulative difference to total interest-bearing assets		(10.7	)%		(1.7	)%		3.0	%		18.2	%		19.5	%				(8.2	)%		2.7	%		6.2	%		12.6	%		18.7	%

(*) The difference arises from the mismatch between the maturities of all remunerated assets and liabilities, at the respective period-end date, considering the contractually agreed terms.

Summary of Funding from Customers

Funding from customers	12/31/2021						12/31/2020
	0-30 days		Total		%		0-30 days		Total		%
Deposits		402,930		850,372				370,604		809,010
Demand deposits		158,116		158,116		14.8		134,805		134,805		13.2
Savings deposits		190,601		190,601		17.9		179,470		179,470		17.5
Time deposits		52,563		497,051		46.5		55,778		491,234		48.0
Other		1,650		4,604		0.4		551		3,501		0.4
Funds from acceptances and issuance of securities (1)		2,310		143,138		13.4		1,978		136,638		13.4
Funds from own issue (2)		—		21		—		218		1,985		0.2
Subordinated debt		—		75,036		7.0		6,657		74,916		7.3
Total		405,240		1,068,567		100.0		379,457		1,022,549		100.0

(1) Includes mortgage notes, guaranteed real estate credit bills, agribusiness, financial recorded in interbank markets funds and Obligations on the issue of debentures, Securities abroad and strutured operations certificates recorded in Institutional Markets Funds.

(2) Refer to deposits received under securities repurchase agreements with securities from own issue.

Summary of Liquidity Indicators

The table below shows the indicators used by ITAÚ UNIBANCO HOLDING in the management of liquidity risk:

Liquidity indicators	12/31/2021		12/31/2020
	%		%
Net assets (1) / customers funds within 30 days (2)		56.5		85.2
Net assets (1) / total customers funds (3)		21.4		31.6
Net assets (1) / total financial assets (4)		16.2		23.4

(1) Net assets (present value): Cash, Securities purchased under agreements to resell – Funded position and Government securities—available. Detailed in the table Non discounted future flows – Financial assets.

(2) Funding from customers table (Total funding from customers 0-30 days).

(3) Funding from customers table (Total funding from customers).

(4) Detailed in the table Non discounted future flows – Financial assets, total present value regards R$ 1,411,089 (R$ 1,381,769 at 12/31/2020).

Summary of Assets and Liabilities According to Their Remaining Contractual Maturities, Considering Their Undiscounted Flows

Assets and liabilities according to their remaining contractual maturities, considering their undiscounted flows, are presented below:

Undiscounted future flows, except for derivatives which are fair value	12/31/2021										12/31/2020
Financial assets (1)	0 - 30		31 - 365		366 -720		Over 720 days		Total		0 - 30		31 -365		366 - 720		Over 720 days		Total
Cash		44,512		—		—		—		44,512		46,224		—		—		—		46,224
Interbank investments		195,260		32,238		4,535		1,670		233,703		234,755		43,276		6,273		1,092		285,396
Securities purchased under agreements to resell – Collateral held (2)		32,435		—		—		—		32,435		44,743		—		—		—		44,743
Securities purchased under agreements to resell – Collateral repledge		105,875		19,355		—		—		125,230		150,474		31,561		—		—		182,035
Interbank deposits (4)		56,950		12,883		4,535		1,670		76,038		39,538		11,715		6,273		1,092		58,618
Securities		158,915		30,191		45,156		223,244		457,506		239,964		16,348		17,144		101,908		375,364
Government securities—available		145,989		453		483		6,737		153,662		226,615		393		379		5,779		233,166
Government securities—under repurchase commitments		1,337		13,446		27,132		35,575		77,490		93		3,905		6,749		15,132		25,879
Corporate securities—available		11,247		13,349		12,062		133,385		170,043		13,256		11,113		8,352		51,927		84,648
Corporate securities—under repurchase commitments		342		2,943		5,479		47,547		56,311		—		937		1,664		29,070		31,671
Derivative financial instruments – Net position		15,492		17,924		8,826		26,803		69,045		17,634		17,502		6,478		34,890		76,504
Swaps		1,820		3,803		7,341		25,050		38,014		4,064		2,952		5,117		33,886		46,019
Options		10,599		9,216		683		754		21,252		10,103		8,783		992		540		20,418
Forwards		1,595		1,513		3		—		3,111		1,323		757		5		—		2,085
Other derivatives		1,478		3,392		799		999		6,668		2,144		5,010		364		464		7,982
Loan and lease operations (3)		77,663		282,913		135,840		315,004		811,420		60,896		236,173		114,523		317,492		729,084
Other financial assets		—		144		5		8		157		—		6		—		—		6
Total financial assets		491,842		363,410		194,362		566,729		1,616,343		599,473		313,305		144,418		455,382		1,512,578

(1) The assets portfolio does not take into consideration the balance of compulsory deposits in Central Bank, amounting to R$ 104,592 (R$ 90,059 at 12/31/2020), which release of funds is linked to the maturity of the liability portfolios. The amounts of PGBL and VGBL are not considered in the assets portfolio because they are covered in Note 26.

(2) Net of R$ 9,266 (R$ 11,119 at 12/31/2020) which securities are linked to guarantee transactions at B3 S.A.- Brasil, Bolsa, Balcão and in the BACEN.

(3) Net of payment to merchants of R$ 92,011 (R$ 71,820 at 12/31/2020) and the amount of Liabilities from transactions related to credit assignments R$ 1,004 (R$ 1,623 at 12/31/2020).

(4) Includes R$ 40,221 (R$ 32,477 at 12/31/2020) related to Compulsory Deposits with Central Banks of other countries.

Undiscounted future flows, except for derivatives which are fair value	12/31/2021															12/31/2020
Financial liabilities	0 - 30			31 - 365			366 -720			Over 720 days			Total			0 - 30			31 - 365			366 - 720			Over 720 days			Total
Deposits		397,416			96,669			95,397			350,792			940,274			369,957			145,085			36,258			344,261			895,561
Demand deposits		158,116			—			—			—			158,116			134,805			—			—			—			134,805
Savings deposits		190,601			—			—			—			190,601			179,470			—			—			—			179,470
Time deposit		46,938			94,040			95,149			350,791			586,918			53,978			143,446			36,182			343,974			577,580
Interbank deposits		933			2,629			248			1			3,811			1,633			1,639			76			287			3,635
Other deposits		828			—			—			—			828			71			—			—			—			71
Compulsory deposits		(44,124	)		(12,461	)		(11,797	)		(36,210	)		(104,592	)		(36,337	)		(16,874	)		(4,412	)		(32,436	)		(90,059	)
Demand deposits		(12,012	)		—			—			—			(12,012	)		(6,926	)		—			—			—			(6,926	)
Savings deposits		(25,807	)		—			—			—			(25,807	)		(22,672	)		—			—			—			(22,672	)
Time deposit		(6,305	)		(12,461	)		(11,797	)		(36,210	)		(66,773	)		(6,739	)		(16,874	)		(4,412	)		(32,436	)		(60,461	)
Securities sold under repurchase agreements (1)		265,184			5,615			7,020			5,943			283,762			260,846			5,024			5,183			22,591			293,644
Government securities		191,281			1,261			3,885			5,687			202,114			182,848			2,070			2,414			22,564			209,896
Corporate securities		26,141			3,621			2,775			18			32,555			22,056			2,954			2,769			27			27,806
Foreign		47,762			733			360			238			49,093			55,942			—			—			—			55,942
Funds from acceptances and issuance of securities (2)		2,986			35,346			30,927			83,967			153,226			2,391			40,463			35,189			68,573			146,616
Loans and obligations (3)		9,875			71,278			9,491			12,868			103,512			11,891			64,735			6,239			6,388			89,253
Subordinated debt (4)		55			27,857			16,282			48,969			93,163			6,797			8,428			28,994			45,762			89,981
Derivative financial instruments – Net position		7,153			23,799			8,596			23,656			63,204			16,791			19,674			6,895			36,145			79,505
Swaps		1,562			3,970			6,944			22,170			34,646			7,344			3,612			5,573			35,260			51,789
Options		4,086			16,896			786			779			22,547			6,355			12,381			998			528			20,262
Forwards		762			—			—			—			762			892			13			—			—			905
Other derivatives		743			2,933			866			707			5,249			2,200			3,668			324			357			6,549
Other financial liabilities		—			158			—			3			161			—			5			—			—			5
Total financial liabilities		638,545			248,261			155,916			489,988			1,532,710			632,336			266,540			114,346			491,284			1,504,506

(1) Includes own and third parties’ portfolios.

(2) Includes mortgage notes, Guaranteed real estate notes, agribusiness, financial recorded in interbank market funds and Obligations on issue of debentures, Securities abroad and Structured Transactions certificates recorded in institutional markets funds.

(3) Recorded in funds from interbank markets.

(4) Recorded in funds from institutional markets.

Summary of Off Balance Commitments

	12/31/2021										12/31/2020
Off balance commitments	0 – 30		31 – 365		366 – 720		Over 720 days		Total		0 – 30		31 – 365		366 – 720		Over 720 days		Total
Financial Guarantees		3,742		28,530		11,046		39,592		82,910		2,859		24,491		6,428		35,155		68,933
Commitments to be released		151,235		35,605		18,541		185,634		391,015		128,792		27,144		11,776		153,193		320,905
Letters of credit to be released		45,773		—		—		—		45,773		41,477		—		—		—		41,477
Contractual commitments—Fixed and Intangible assets (Notes 13 and 14)		—		3		—		—		3		—		36		—		—		36
Total		200,750		64,138		29,587		225,226		519,701		173,128		51,671		18,204		188,348		431,351

Summary of Composition Of Capital Adequcy

	12/31/2021			12/31/2020
Available capital (amounts)
Common Equity Tier 1		130,716			119,960
Tier 1		149,912			137,157
Total capital (PR)		169,797			151,244
Risk-weighted assets (amounts)
Total risk-weighted assets (RWA)		1,153,841			1,042,207
Risk-based capital ratios as a percentage of RWA
Common Equity Tier 1 ratio (%)		11.3	%		11.5	%
Tier 1 ratio (%)		13.0	%		13.2	%
Total capital ratio (%)		14.7	%		14.5	%
Additional CET1 buffer requirements as a percentage of RWA
Capital conservation buffer requirement (%) (*)		2.00	%		1.25	%
Countercyclical buffer requirement (%)		0.0	%		0.0	%
Bank G-SIB and/or D-SIB additional requirements (%)		1.0	%		1.0	%
Total of bank CET1 specific buffer requirements (%)		3.00	%		2.25	%

(*) For purposes of calculating the Conservation capital buffer, BACEN Resolution 4,783 establishes, for defined periods, percentages to be applied to the RWA value with a gradual increase until April/22, when it reaches 2.5%.