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Risk management (Details 3) - BRL (R$)
R$ in Thousands
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2016
Internal Risk Model [Abstract]      
Credit risk exposure - customers (Thousand of Reais) R$ 364,193,664 R$ 330,474,249 R$ 301,702,586
Loans and advances to customers, gross (note 9) 321,933,190 287,829,213 268,437,556
Contingent Liabilities - Guarantees and other sureties (note 44.a) R$ 42,260,474 R$ 42,645,036 R$ 33,265,030
Non-performing loans ratio (%) - unaudited 6.98% 6.65% 7.04%
Impairment coverage ratio (%) - unaudited 102.42% 95.39% 96.31%
Specific credit loss provisions, net of RAWO (*) (Thousand of Reais) - unaudited [1] R$ 22,969,315 R$ 18,261,638 R$ 18,191,126
Cost of credit (% of risk) - unaudited 3.90% 3.98% 4.52%
[1] RAWO = Recoveries of Assets Derecognized.