Banco Pan S A : Quarterly Reporting Document

Sumário

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Séries Históricas - 2T15

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Balance

Income

Historical Series - 3Q22

KPI's

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Balanço Patrimonial

BALANCE SHEETS (R$ thousand)	2022	2021	2020	2019	2018	2017
Sep	Jun	Mar	Dec	Sep	Jun	Mar	Dec	Sep	Jun	Mar	Dec	Sep	Jun	Mar	Dec	Sep	Jun	Mar	Dec	Sep	Jun	Mar
ATIVO CIRCULANTE E REALIZÁVEL A LONGO PRAZO	32,583,135	31,331,417	30,004,794	28,312,010	27,029,906	27,538,799	26,493,449	25,631,736	25,650,584	26,755,786	26,992,735	27,352,807
Cash and cash equivalents	13,118	8,593	9,061	3,943	2,955	7,872	3,542	4,854	4,418	4,784	3,303	4,220	4,217	3,810	6,947	19,714	7,578	8,346	4,971	10,748	26,419	15,503	24,378
Financial instruments	48,372,757	47,931,982	45,476,933	42,699,462	38,797,077	37,704,078	33,884,469	33,562,758	30,071,996	28,433,861	28,728,123	28,015,678	27,271,950	25,964,785	24,280,652	22,938,977	23,252,661	22,144,846	21,246,090	21,125,705	22,049,181	22,225,908	22,519,999
Interbank investments	1,597,740	100,866	247,504	11,735	874,041	123,050	50	1,251,938	1,464,996	881,998	750,000	1,242,794	59,998	317,024	279,004	3,897	1,681,153	1,078,241	677,202	1,032,983	1,094,117	217,265	150,040
Investments in the open market	1,330,789	11,730	74,084	5,710	873,990	123,000	-	1,251,889	1,464,996	881,998	750,000	1,229,999	59,998	310,050	275,045	-	1,675,275	1,072,457	603,571	1,017,242	946,259	- 0	24,199
Investments in the interbank deposits	266,342	88,890	173,368	5,974	-	-	-	-	-	-	-	12,795	-	6,974	3,959	3,897	5,878	5,784	73,631	15,741	147,858	217,253	124,514
Investments in savings deposits	609	246	52	51	51	50	50	49	-	-	-	-	-	-	-	-	-	-	-	-	-	12	1,327
Marketable securities and derivative financial instruments	9,005,292	10,392,954	7,769,139	6,306,937	3,836,108	3,778,434	3,675,832	2,945,552	2,538,736	2,412,140	2,691,551	2,375,755	2,411,976	1,852,161	1,762,706	2,213,664	1,897,531	1,953,907	1,793,356	1,886,508	2,145,368	2,537,904	2,522,402
Own portfolio	5,420,216	7,072,654	5,450,436	4,865,283	3,638,441	2,105,486	2,704,941	1,455,548	2,299,865	2,140,802	1,382,048	972,231	1,010,064	964,569	1,003,725	1,444,548	1,010,523	534,342	500,338	534,275	702,860	731,855	915,807
Subject to guarantees	99,348	201,066	154,383	226,330	190,652	201,048	166,179	194,073	140,996	203,697	233,353	288,041	238,844	241,480	240,357	220,781	205,102	203,475	170,189	109,432	130,197	421,204	312,459
Subject to repurchase agreements	3,485,728	3,119,234	2,164,320	1,215,324	7,015	1,471,900	804,712	1,295,931	97,875	67,641	249,510	297,944	254,113	394,368	202,496	269,177	263,183	891,285	561,646	1,071,434	1,178,448	1,099,743	1,149,387
Derivative financial instruments	-	-	-	-	-	-	-	-	-	-	826,640	288,103	386,026	251,744	316,128	279,158	418,723	324,805	154,796	171,367	133,863	184,330	144,749
Linked to Central Bank of Brazil	-	-	-	-	-	-	-	-	-	-	-	529,436	522,929	- 0	- 0	- 0	- 0	- 0	406,387	- 0	- 0	100,772	- 0
Interbank accounts	3,325,303	3,508,504	3,215,455	2,828,435	1,867,075	1,538,914	32,038	9,047	21,623	35,425	10,090	127,540	307,452	401,997	23,461	4,493	33,471	43,108	43,181	26,484	48,676	41,397	46,445
Payments and receipts pending settlement	33,783	40,242	36,929	-	37,028	43,272	23,952	- 0	17,214	14,620	7,914	-	35,854	26,168	19,806	- 0	16,518	17,197	16,480	- 0	21,015	18,378	25,948
Credits - Deposits at the BACEN	3,288,811	3,465,672	3,174,941	2,825,583	1,827,568	1,492,928	5,554	5,507	539	509	399	101,569	266,634	372,159	499	549	799	799	799	1,299	1,299	1,299	1,299
Local correspondents	2,709	2,590	3,585	2,852	2,479	2,714	2,532	3,540	3,870	20,296	1,777	25,971	4,964	3,670	3,156	3,944	16,154	25,112	25,902	25,185	26,362	21,720	19,198
Loan operations	33,813,367	33,319,264	33,470,851	32,337,283	30,811,857	30,183,788	28,026,905	27,212,153	23,544,871	22,807,867	23,132,788	21,799,357	21,952,847	20,983,894	20,150,763	19,042,197	18,085,305	17,763,672	17,614,075	17,217,356	17,363,573	17,938,559	18,559,721
Loan operations	33,510,273	32,832,573	33,276,700	31,811,074	30,342,714	29,897,544	28,061,079	27,466,468	24,104,009	23,584,624	23,851,366	22,485,395	22,417,330	21,481,968	20,653,016	19,459,162	18,544,180	18,235,736	18,033,483	17,521,919	17,735,057	18,360,064	18,994,853
Securities and credits receivable	2,385,393	2,586,864	2,425,523	2,520,955	2,272,963	2,134,744	1,790,226	1,644,175	1,325,595	1,138,667	1,099,264	1,142,697	1,028,954	922,007	853,061	914,688	839,586	852,570	875,274	916,819	857,507	831,619	868,687
(1,597,776)	(Provisions for expected losses associated to the credit risk)	(2,082,299)	(2,100,173)	(2,231,372)	(1,994,746)	(1,803,820)	(1,848,500)	(1,824,400)	(1,898,490)	(1,884,733)	(1,915,424)	(1,817,842)	(1,828,735)	(1,493,437)	(1,420,081)	(1,355,314)	(1,331,653)	(1,298,461)	(1,324,634)	(1,294,682)	(1,221,382)	(1,228,991)	(1,253,124)	(1,303,819)
Other financial assets	631,055	610,394	773,984	1,215,072	1,407,996	2,079,892	2,149,644	2,144,068	2,501,770	2,296,431	2,143,694	2,470,232	2,539,677	2,409,709	2,064,718	1,674,726	1,555,201	1,305,918	1,118,276	962,374	1,397,447	1,490,783	1,241,391
Taxes	3,979,145	3,808,555	3,893,352	4,170,920	4,251,201	4,151,143	3,923,100	4,095,561	3,964,090	3,951,026	3,704,171	3,839,695	3,300,711	3,227,382	3,182,661	3,218,569	3,267,106	3,300,912	3,343,802	3,401,495	3,468,753	3,489,656	3,521,407
Current	511,041	309,790	336,363	634,756	579,383	422,492	326,719	596,917	494,669	394,045	310,294	437,727	342,669	299,812	272,450	285,564	265,826	253,642	244,161	250,160	244,158	246,106	242,685
Deferred	3,468,104	3,498,765	3,556,989	3,536,164	3,671,818	3,728,651	3,596,381	3,498,644	3,469,421	3,556,981	3,393,877	3,401,968	2,958,042	2,927,570	2,910,212	2,933,005	3,001,280	3,047,270	3,099,641	3,151,336	3,224,595	3,243,550	3,278,722
Other assets	660,308	535,295	492,593	465,805	452,789	378,083	387,008	353,213	346,857	364,884	296,113	351,504	349,664	388,653	401,367	399,516	505,013	560,306	566,561	607,729	669,405	679,490	671,675
Other values and assets	398,993	423,676	398,446	323,761	338,022	322,024	374,653	374,658	361,901	354,109	361,023	372,038	404,876	420,164	440,383	453,130	506,441	479,040	470,313	504,907	542,028	582,178	615,346
Other values ​​and assets	269,405	261,856	249,993	215,361	214,774	238,181	295,795	322,900	327,401	356,772	365,742	373,676	367,752	390,380	393,573	403,834	446,172	413,138	407,011	410,837	391,135	400,148	387,796
(Provision for losses)	(46,196)	(44,961)	(52,194)	(52,077)	(54,265)	(69,047)	(72,165)	(57,661)	(63,152)	(84,452)	(86,565)	(86,219)	(47,343)	(50,936)	(50,943)	(54,925)	(58,207)	(60,355)	(63,595)	(68,244)	(48,914)	(54,817)	(47,996)
Prepaid expenses	175,784	206,781	200,647	160,477	177,513	152,890	151,023	109,419	97,652	81,789	81,846	84,581	84,467	80,720	97,753	104,221	118,476	126,257	126,897	162,314	199,807	236,847	275,546
Investments	22,403	21,181	21,253	20,941	15,654	13,224	13,088	12,625	12,625	1,473	1,473	1,144	1,144	1,144	1,144	1,144	379	379	379	379	45,995	45,731	46,137
Other investments	6,072	4,944	4,944	4,944	15,654	13,224	13,088	12,625	12,625	1,473	1,473	1,144	1,144	1,144	1,144	1,144	379	379	379	379	379	379	379
Participations in subsidiaries	16,331	16,237	16,309	15,997	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	45,616	45,352	45,758
Property and equipment in use	148,848	160,794	138,999	102,223	49,097	26,692	25,263	23,360	25,026	27,297	28,433	28,628	31,053	23,654	23,713	24,093	25,997	26,299	26,270	27,690	30,941	33,379	36,225
Other property and equipment in use	216,639	217,023	183,699	134,469	79,760	81,005	87,078	82,320	85,154	84,589	83,015	80,456	84,970	74,729	72,626	70,991	71,649	69,823	69,984	69,249	71,773	71,721	72,495
(Accumulated depreciation)	(67,791)	(56,229)	(44,700)	(32,246)	(30,663)	(54,313)	(61,815)	(58,960)	(60,128)	(57,292)	(54,582)	(51,828)	(53,917)	(51,075)	(48,913)	(46,898)	(45,652)	(43,524)	(43,714)	(41,559)	(40,832)	(38,342)	(36,270)
Intangible assets	1,251,908	1,281,185	1,307,622	116,507	87,136	79,261	90,947	96,919	152,434	166,392	176,015	185,224	184,610	180,150	177,080	175,288	171,280	159,178	153,573	155,671	160,637	168,147	177,644
Intangible assets	1,581,119	1,807,621	1,776,287	546,925	568,271	540,143	534,113	518,619	516,786	510,787	500,950	490,955	487,851	469,384	454,851	442,804	429,035	406,977	390,321	381,430	376,852	372,827	370,349
(Accumulated depreciation)	(329,211)	(526,436)	(468,665)	(430,418)	(481,135)	(460,882)	(443,166)	(421,700)	(364,352)	(344,395)	(324,935)	(305,731)	(303,241)	(289,234)	(277,771)	(267,516)	(257,755)	(247,799)	(236,748)	(225,759)	(216,215)	(204,680)	(192,705)
TOTAL ASSETS	54,847,480	54,171,261	51,738,259	47,903,562	43,993,931	42,682,377	38,702,070	38,523,948	34,939,347	33,303,826	33,298,654	32,798,131	31,548,224	30,209,742	28,513,947	27,230,431	27,736,455	26,679,305	25,811,958	25,834,324	26,993,359	27,239,992	27,612,813
Financial instruments	43,450,072	43,312,744	40,897,955	38,419,034	34,764,233	33,695,415	30,309,072	29,823,754	26,737,743	25,245,518	25,959,441	25,069,661	24,456,270	24,025,204	22,589,499	21,419,674	21,952,470	20,973,347	20,135,779	20,529,812	21,268,611	21,571,187	22,086,771
Deposits	24,456,002	24,984,660	24,876,135	24,034,791	21,846,075	19,406,912	22,151,695	21,566,403	20,784,348	19,857,041	20,294,992	19,759,979	19,172,527	18,455,075	17,952,080	16,611,244	16,706,532	15,170,151	14,293,330	13,655,553	14,824,712	15,478,878	15,757,881
Demand deposits	399,470	355,863	317,639	328,165	254,470	169,694	98,812	76,056	55,828	37,686	28,156	26,574	15,216	20,994	15,576	17,319	21,710	21,562	27,779	25,439	37,330	43,939	55,297
Interbank deposits	2,775,428	2,642,599	3,336,515	3,446,520	3,411,051	3,533,888	7,767,737	8,747,715	8,522,037	8,541,211	9,296,702	8,365,928	7,130,328	6,610,027	7,621,278	7,463,438	8,312,092	8,162,977	8,049,159	8,730,148	10,407,097	11,981,281	12,405,512
Time deposits	21,281,104	21,986,198	21,221,981	20,260,106	18,180,554	15,703,330	14,285,146	12,742,632	12,206,483	11,278,144	10,970,134	11,367,477	12,026,983	11,824,054	10,315,226	9,130,487	8,372,730	6,985,612	6,216,392	4,899,966	4,380,285	3,453,658	3,297,072
Funds obtained in the open market	3,403,720	3,053,669	2,124,553	1,186,562	2,200	1,440,703	762,703	1,307,042	92,695	60,802	243,393	295,805	251,524	700,802	195,052	260,187	257,342	896,168	1,060,507	1,591,487	1,689,483	1,103,852	1,154,420
Own portfolio	3,403,720	3,053,669	2,124,553	1,186,562	2,200	1,440,703	762,703	1,307,042	92,695	60,802	243,393	295,805	251,524	390,752	195,052	260,187	256,340	889,415	563,657	1,074,431	1,180,503	1,103,852	1,154,420
Third-party portfolio	-	-	-	-	-	-	-	-	-	-	-	- 0	- 0	310,050	- 0	- 0	1,002	6,000	496,578	517,056	508,799	- 0	- 0
Free-movement portfolio	-	-	-	-	-	-	-	-	-	-	-	- 0	- 0	- 0	- 0	- 0	- 0	753	272	- 0	181	- 0	- 0
Funds from acceptance and issuance of securities	11,885,240	11,374,767	10,150,881	9,380,408	10,080,720	10,223,429	5,699,987	5,346,049	4,584,295	4,213,619	1,880,605	1,868,324	1,871,633	1,875,991	1,191,567	1,249,961	1,384,255	1,455,558	1,710,599	2,249,555	2,354,097	2,494,998	2,775,111
Funds from real estate securities, mortgages, letters of credit and similar	11,885,240	11,374,767	10,150,881	9,380,408	10,080,720	10,223,429	5,699,987	5,346,049	4,584,295	4,213,619	1,880,605	1,868,324	1,871,633	1,875,991	1,191,567	1,249,961	1,384,255	1,455,558	1,710,599	2,249,555	2,354,097	2,494,998	2,775,111
Interbank accounts	2,445,995	2,629,192	2,405,055	2,462,545	2,297,144	2,043,406	1,597,661	1,491,821	1,147,580	960,532	860,684	933,731	824,548	771,210	733,906	728,628	888,644	780,211	915,666	851,219	160,038	235,732	103,036
Receipts and payments pending settlement	2,301,988	2,506,225	2,334,627	2,383,754	2,136,010	1,851,433	1,492,661	1,380,060	1,056,472	833,726	802,014	796,912	684,023	620,434	596,697	615,912	593,121	593,017	610,247	654,035	- 0	- 0	- 0
Local correspondents	144,007	122,967	70,428	78,791	161,133	191,973	105,000	111,761	91,108	126,806	58,670	136,819	140,525	150,776	137,209	112,716	295,523	187,194	305,419	197,184	160,038	235,732	103,036
Borrowings	805,173	774,614	714,705	822,538	- 0	- 0	-	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Derivative financial instruments	96,160	93,325	178,937	39,488	- 0	- 0	- 0	- 0	- 0	4,044	29,596	124,979	100,514	123,258	118,564	175,121	126,003	151,574	235,676	202,643	254,262	168,823	207,449
Others financial liabilities	357,782	402,517	447,689	492,702	538,095	580,965	97,026	112,439	128,825	149,480	2,650,171	2,086,843	2,235,524	2,098,868	2,398,330	2,394,533	2,589,694	2,519,685	1,920,001	1,979,355	1,986,019	2,088,904	2,088,874
Provisions	388,471	394,277	418,745	419,363	446,463	497,994	493,078	513,622	588,182	596,798	592,440	591,125	599,314	594,624	573,703	608,867	648,991	676,692	684,925	699,659	501,481	477,514	438,266
Tax obligations	299,590	170,631	186,489	561,761	571,122	548,149	327,128	536,768	462,908	460,969	180,957	441,713	289,902	194,722	148,923	139,480	144,774	124,313	127,371	131,801	127,662	131,914	148,475
Current	234,211	88,569	80,498	451,271	456,011	462,338	241,413	451,148	377,384	375,540	95,624	343,059	176,193	82,460	63,521	54,208	59,923	39,550	42,690	47,119	46,476	48,154	62,508
Deferred	65,379	82,062	105,991	110,490	115,111	85,811	85,715	85,620	85,524	85,429	85,333	98,654	113,709	112,262	85,402	85,272	84,851	84,763	84,681	84,682	81,187	83,760	85,966
Others liabilities	2,917,302	2,574,615	2,563,317	2,704,552	2,535,925	2,382,264	2,138,646	2,332,336	1,929,096	1,887,799	1,543,916	1,769,464	1,371,922	1,168,636	1,047,741	966,491	943,038	888,575	873,673	917,228	1,573,193	1,599,167	1,521,405
Social and statutory	282,707	195,646	148,080	371,683	303,312	215,884	114,615	325,131	237,523	164,662	90,868	266,277	176,178	112,726	125,248	136,232	153,624	131,655	98,706	162,530	121,392	68,486	55,651
Sundry	2,634,595	2,378,969	2,415,237	2,332,869	2,232,613	2,166,380	2,024,031	2,007,205	1,691,573	1,723,137	1,453,048	1,503,187	1,195,744	1,055,910	922,493	830,259	789,414	756,920	774,967	754,698	1,451,801	1,530,681	1,465,754
Equity attributable to controlling stockholders	7,791,628	7,718,812	7,671,689	5,798,633	5,676,188	5,558,555	5,434,146	5,317,468	5,221,418	5,112,742	5,021,900	4,926,168	4,830,816	4,226,556	4,154,081	4,095,919	4,047,182	4,016,378	3,990,210	3,555,824	3,522,412	3,460,210	3,417,896
Share capital:
Domiciled in the country	5,532,871	5,519,312	5,364,187	3,699,805	3,661,861	3,686,920	3,641,119	3,606,057	3,668,646	3,818,305	3,695,090	3,261,355	3,261,355	3,327,994	3,344,764	3,290,152	3,286,726	3,284,536	3,069,437	3,065,825	3,065,712	3,058,809	3,056,417
Domiciled abroad	395,449	409,008	564,133	475,417	513,361	488,302	534,103	569,165	506,576	356,917	480,132	392,055	392,055	325,416	308,646	363,258	366,684	368,874	391,295	394,907	395,020	401,923	404,315
Capital increase	-	-	-	-	-	-	-	-	-	-	-	521,812	521,813	- 0	- 0	- 0	- 0	- 0	400,000	- 0	- 0	- 0	- 0
Capital reserve	207,322	207,322	207,322	207,322	207,322	207,322	207,322	207,322	207,322	207,322	207,322	207,322	207,322	207,322	207,322	207,322	207,322	207,322	- 0	- 0	- 0	- 0	- 0
Revenue reserve	1,436,523	1,436,523	1,436,523	1,436,523	958,655	958,655	958,655	958,655	557,982	557,982	557,982	557,982	243,295	243,295	243,295	243,295	108,495	108,495	108,495	108,495	- 0	- 0	- 0
Other comprehensive results	(17,894)	(18,552)	(19,498)	(20,434)	(20,642)	(21,767)	(22,898)	(23,731)	(14,161)	(19,229)	(22,466)	(14,358)	(7,117)	(7,646)	(8,458)	(8,108)	(12,084)	(12,979)	(13,447)	(13,403)	(13,441)	(12,674)	(12,194)
(Treasury shares)	(88,901)	(56,725)	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Retained earnings	326,258	221,924	119,022	- 0	355,631	239,123	115,845	- 0	295,053	191,445	103,840	-	212,093	130,175	58,512	-	90,039	60,130	34,430	-	75,121	12,152	(30,642)
Non-controlling interests	417	182	64	219	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Total equity	7,792,045	7,718,994	7,671,753	5,798,852	5,676,188	5,558,555	5,434,146	5,317,468	5,221,418	5,112,742	5,021,900	4,926,168	4,830,816	4,226,556	4,154,081	4,095,919	4,047,182	4,016,378	3,990,210	3,555,824	3,522,412	3,460,210	3,417,896
TOTAL LIABILITIES AND EQUITY	54,847,480	54,171,261	51,738,259	47,903,562	43,993,931	42,682,377	38,702,070	38,523,948	34,939,347	33,303,826	33,298,654	32,798,131	31,548,224	30,209,742	28,513,947	27,230,431	27,736,455	26,679,305	25,811,958	25,834,324	26,993,359	27,239,992	27,612,813

INDEX

/xl/drawings/drawing2.xml#Sum%C3%A1rio!A1

Demonstração do Resultado

STATEMENTS OF INCOME (R$ thousand)	2022	2021	2020	2019	2018	2017
3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q
Income from financial intermediation	3,694,903	3,879,291	2,986,692	3,021,885	2,796,434	2,741,015	1,929,597	2,628,207	2,076,728	2,488,638	2,403,902	2,208,538	2,167,131	2,034,057	1,781,233	1,646,554	1,844,641	1,913,221	1,694,957	1,765,317	1,721,141	2,218,673	2,075,217
Income from loan operations	3,657,836	3,183,344	2,685,224	2,693,541	2,409,884	2,626,702	1,607,807	2,665,072	2,026,918	2,597,860	1,993,743	2,265,445	2,054,400	2,097,414	1,706,919	1,827,168	1,720,612	1,612,961	1,741,037	1,668,601	1,885,049	2,090,032	2,135,669
Result from leasing operations	7	- 0	5	14	15	11	25	9	29	8	10	21	545	176	100	22	57	158	22	184	172	229	362
Result from operations with marketable securities	47,729	342,141	245,501	156,151	109,858	74,776	77,047	68,184	37,861	15,963	39,620	41,718	33,367	40,732	37,767	19,025	62,780	50,767	50,687	59,413	65,214	69,178	93,353
Result from derivative financial instruments	(115,617)	257,962	(17,904)	128,052	256,117	36,795	244,159	(105,196)	11,608	(125,572)	369,599	(101,403)	72,265	(108,240)	35,992	(198,701)	57,329	239,989	(98,590)	29,612	(224,551)	44,790	(155,500)
Result from foreign exchange operations	424	674	29	480	778	45	559	138	312	379	769	302	226	3,975	455	(2,624)	3,863	9,346	1,801	7,507	(4,743)	14,444	1,333
Result from compulsory investments	104,524	95,170	73,837	43,647	19,782	2,686	- 0	- 0	- 0	- 0	161	2,455	6,328	-	-	1,664
Expenses on financial intermediation	(2,368,061)	(2,567,337)	(1,782,805)	(1,806,241)	(1,602,173)	(1,418,710)	(788,644)	(1,373,540)	(1,084,361)	(1,658,438)	(1,544,703)	(1,625,580)	(1,394,167)	(1,317,321)	(1,236,190)	(1,081,768)	(1,267,030)	(1,317,361)	(1,076,207)	(1,145,894)	(1,123,774)	(1,561,784)	(1,409,872)
Result from market funding operations	(1,173,977)	(1,320,896)	(1,042,067)	(889,564)	(493,040)	(521,168)	(239,433)	(461,755)	(313,691)	(444,442)	(1,009,655)	(449,968)	(682,648)	(553,962)	(538,538)	(441,280)	(544,764)	(623,027)	(410,239)	(511,835)	(505,197)	(701,899)	(684,661)
Provisions for expected losses associated with credit risk	(551,374)	(564,577)	(595,299)	(532,361)	(554,144)	(387,803)	(314,458)	(329,251)	(366,027)	(414,468)	(321,967)	(639,683)	(305,555)	(341,472)	(275,788)	(277,136)	(259,660)	(309,745)	(293,864)	(269,380)	(276,240)	(246,206)	(327,986)
Expenses on commissions on credit assignment	(111,010)	(133,856)	(53,398)	(131,290)	(190,742)	(191,398)	(175,951)	(184,671)	(90,733)	(153,964)	(101,567)	(137,832)	(74,327)	(95,836)	(63,311)	(79,029)	(71,915)	(54,153)	(81,314)	(51,255)	(60,948)	(142,894)	(192,580)
Expenses with assigned credit (until December 2018) *	(121,682)	(27,286)	(114,830)	(92,511)	(108,177)	(61,257)	(58,802)	(62,415)	(94,719)	(96,190)	(111,514)	(155,037)	(175,279)	(231,559)	(291,172)	(284,323)	(390,691)	(330,436)	(290,790)	(310,614)	(289,308)	(462,124)	(206,688)
Expenses with assigned credit (after December 2018) *	(379,430)	(451,008)	(85,021)	(196,185)	(256,070)	(257,084)	-	(335,448)	(219,191)	(549,374)	-	(243,060)	(156,358)	(94,492)	(67,381)	-	-	-	-	-	-	-	-
Borrowings and onlendings operations	(30,588)	(69,714)	107,810	35,670	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	(2,810)	7,919	(8,661)	2,043
Gross result from financial intermediation	1,326,842	1,311,954	1,203,887	1,215,644	1,194,261	1,322,305	1,140,953	1,254,667	992,367	830,200	859,199	582,958	772,964	716,736	545,043	564,786	577,611	595,860	618,750	619,423	597,367	656,889	665,345
Other operating income (expenses)	(1,122,591)	(1,110,592)	(959,085)	(954,389)	(931,763)	(1,054,161)	(851,809)	(1,005,343)	(753,925)	(641,373)	(647,832)	(697,276)	(582,750)	(536,876)	(410,467)	(418,681)	(468,357)	(493,224)	(498,469)	(647,318)	(576,268)	(567,217)	(647,230)
Income from services rendered	271,494	236,017	200,698	208,621	207,230	160,307	167,251	165,656	118,187	89,302	109,111	114,849	104,299	99,338	99,168	103,374	95,169	89,682	89,333	98,383	91,631	89,368	123,854
Personnel expenses	(238,969)	(223,707)	(218,345)	(225,979)	(205,009)	(179,028)	(175,351)	(154,511)	(146,030)	(133,186)	(140,425)	(144,219)	(131,162)	(113,844)	(112,470)	(108,006)	(106,744)	(104,516)	(101,446)	(116,366)	(101,102)	(113,341)	(132,763)
Other administrative expenses	(865,680)	(888,297)	(727,526)	(772,077)	(825,291)	(843,264)	(695,810)	(837,608)	(568,563)	(458,441)	(513,092)	(504,939)	(467,690)	(440,519)	(380,200)	(361,151)	(364,566)	(371,792)	(385,203)	(362,276)	(407,645)	(408,053)	(460,211)
Tax expenses	(131,910)	(113,101)	(81,894)	(99,443)	(99,762)	(98,400)	(87,160)	(105,107)	(66,520)	(72,267)	(53,651)	(74,028)	(59,991)	(43,100)	(45,656)	(44,683)	(42,020)	(40,246)	(45,363)	(42,505)	(43,868)	(63,905)	(69,722)
Expenses with provisions	(68,111)	(54,911)	(58,456)	(58,270)	(8,452)	(66,969)	(47,480)	(42,783)	(64,081)	(49,336)	(40,364)	(51,710)	(57,731)	(76,804)	(13,961)	(76,272)	(84,909)	(74,206)	(49,935)	(270,917)	(96,232)	(89,662)	(57,587)
Other operating income (expenses)	(89,510)	(66,520)	(73,874)	(7,241)	(479)	(26,807)	(13,259)	(30,990)	(26,918)	(17,445)	(9,411)	(37,229)	29,525	38,053	42,652	68,058	34,713	7,855	(5,855)	46,363	(19,316)	18,782	(47,950)
Equity in the results of subsidiaries	95	(73)	312	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	264	(406)	(2,851)
Operating result	204,251	201,362	244,802	261,255	262,498	268,144	289,144	249,324	238,442	188,827	211,367	(114,318)	190,214	179,860	134,576	146,105	109,254	102,636	120,281	(27,895)	21,099	89,672	18,115
Non-operating results	(739)	7,720	3,787	14,852	17,122	5,086	(8,383)	11,816	20,876	18,211	(1,166)	(9,053)	(2,396)	(15,375)	(7,365)	(10,165)	(6,461)	(1,864)	(2,920)	156,273	1,234	(8,961)	3,757
Profit before taxation	203,512	209,082	248,589	276,107	279,620	273,230	280,761	261,140	259,318	207,038	210,201	(123,371)	187,818	164,485	127,211	135,940	102,793	100,772	117,361	128,378	22,333	80,711	21,872
Taxes on income	(31,907)	(39,947)	(53,248)	(85,659)	(88,254)	(70,745)	(90,484)	(90,199)	(89,140)	(63,146)	(39,643)	290,941	(53,267)	(46,778)	(31,104)	(62,315)	(53,667)	(58,559)	(60,810)	(73,504)	88,936	(37,917)	(18,203)
Income tax	(2,065)	9,205	2,747	61,865	(18,015)	(112,363)	(104,008)	(63,765)	(2,641)	(129,375)	(8,997)	(90,634)	(52,330)	(40,513)	(5,153)	3,133	(4,754)	(4,192)	(5,508)	(25,029)	28,867	(18,451)	13,234
Social contribution	267	8,519	2,992	(11,696)	(14,077)	(91,241)	(84,696)	(51,838)	(1,392)	(104,346)	(2,441)	(59,033)	(31,731)	(24,004)	(2,875)	1,109	(3,377)	(2,221)	(3,572)	1,266	1,053	(871)	(2,005)
Deferred tax	(30,109)	(57,671)	(58,987)	(135,828)	(56,162)	132,859	98,220	25,404	(85,107)	170,575	(28,205)	440,608	30,794	17,739	(23,076)	(66,557)	(45,536)	(52,146)	(51,730)	(49,741)	59,016	(18,595)	(29,432)
Non-controlling interests	(235)	(118)	155	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net profit	171,370	169,017	195,496	190,448	191,366	202,485	190,277	170,941	170,178	143,892	170,558	167,570	134,551	117,707	96,107	73,625	49,126	42,213	56,551	54,874	111,269	42,794	3,669
* The Company performs the servicing of the portfolio assigned without co-obligation to controllers and, in case of prepayment, there is an incidence of early settlement expense (Expenses with assigned credit operations). For assignments of credit realized until December 2018, the expenses are recognized in the statement of income, as the prepayment occurs, for the assigned realized after 2019, the expenses are recognized when the assignment occurs.

INDEX

/xl/drawings/drawing3.xml#Sum%C3%A1rio!A1

Despesas Administrativas

OTHER ADMINISTRATIVE EXPENSES (R$ thousand)	2022	2021	2020	2019	2018	2017
3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q
Commissions paid to correspondent banks	273,949	307,094	205,263	232,339	290,138	344,126	276,859	405,706	227,397	171,388	215,277	175,825	168,298	197,357	152,655	151,553	148,147	149,904	184,386	151,025	175,978	185,755	234,079
Third-party services	191,798	196,482	158,029	174,698	155,912	136,908	124,321	125,819	113,589	102,515	95,134	105,741	112,586	97,643	92,886	74,884	78,767	79,221	67,601	69,029	83,639	77,034	70,118
Data processing	95,658	96,981	92,858	95,821	93,089	89,557	75,172	61,860	73,524	67,784	70,749	64,595	62,460	50,707	45,199	43,536	44,392	44,041	43,375	41,081	46,002	40,841	44,588
Financial system services	79,521	79,496	75,151	82,037	79,681	68,242	61,000	54,956	49,064	39,620	44,421	63,210	36,780	32,761	32,091	31,390	30,834	33,610	32,859	37,949	37,375	40,024	46,353
Advertising, promotions and publicity	79,714	78,874	82,247	73,781	76,581	95,763	37,815	57,035	31,445	9,826	20,566	29,670	20,584	4,726	10,265	10,331	7,904	7,511	7,217	5,117	5,845	6,374	6,024
Rentals (*)	62,482	44,175	36,382	31,518	35,919	30,609	31,333	25,502	20,272	17,702	17,935	15,771	14,558	13,076	12,246	10,532	10,344	10,167	10,012	11,734	11,441	10,580	11,532
Depreciation and amortization	34,272	33,675	28,045	21,350	21,157	16,969	18,172	57,837	16,926	15,938	15,771	13,036	11,009	11,610	6,366	6,037	6,121	7,203	7,283	7,482	7,837	8,347	8,713
Communication	18,789	18,618	21,202	26,577	28,049	23,001	32,598	21,875	16,759	16,082	13,658	12,411	11,691	11,455	11,581	11,911	12,234	11,987	11,200	10,561	11,144	11,321	11,299
Expenses for search and seizure of assets	7,629	9,139	3,841	2,540	3,255	3,486	3,052	3,375	5,906	5,267	5,797	7,009	8,069	8,562	6,714	6,949	8,768	8,255	6,094	6,946	11,370	12,650	8,567
Maintenance and conservation of property	2,084	2,694	2,182	3,218	3,875	3,153	3,547	1,159	1,491	1,406	1,994	1,635	1,770	1,665	1,179	1,381	1,119	1,154	1,507	1,294	1,193	1,200	1,289
Transportation	1,503	1,391	1,858	2,705	1,293	1,006	483	560	889	748	1,390	1,461	1,743	1,377	1,247	1,422	1,264	1,209	1,099	1,142	1,384	1,554	1,553
Fees and emoluments	910	759	934	877	1,006	1,081	902	710	689	631	859	878	1,166	1,671	909	1,249	2,125	1,402	1,219	2,084	2,375	1,943	2,347
Travels	1,646	2,096	887	767	362	172	317	276	40	245	1,165	2,621	1,648	1,566	944	1,158	1,135	427	603	1,021	1,209	355	1,612
Others	15,725	16,823	18,647	23,849	34,974	29,191	30,239	20,938	10,572	9,289	8,376	11,076	15,328	6,343	5,918	8,818	11,412	15,702	10,748	15,812	10,853	10,075	12,138
Total	865,680	888,297	727,526	772,077	825,291	843,264	695,810	837,608	568,563	458,441	513,092	504,939	467,690	440,519	380,200	361,151	364,566	371,792	385,203	362,276	407,645	408,053	460,211
(*) includes rentals of real estate and other property belonging to third parties.

INDEX

/xl/drawings/drawing4.xml#Sum%C3%A1rio!A1

Despesas de Pessoal

PERSONNEL EXPENSES (R$ thousand)	2022	2021	2020	2019	2018	2017
3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q
Salaries	155,665	138,923	137,876	146,268	133,882	116,643	113,003	96,964	95,847	84,836	90,400	89,739	83,418	68,399	66,814	65,068	65,014	67,239	64,370	69,399	64,492	69,984	80,635
Social charges	41,554	42,498	41,753	40,176	36,633	30,131	29,409	26,570	25,298	22,784	24,247	24,342	22,440	20,929	20,267	19,917	19,624	18,822	17,775	19,758	18,282	22,633	26,806
Benefits	29,877	29,870	28,546	30,669	24,952	23,600	24,589	22,248	18,124	20,274	21,509	22,053	18,285	16,607	17,682	16,503	16,028	15,160	15,023	16,179	15,294	16,767	18,770
Fees	9,696	9,910	7,850	6,189	6,103	6,204	6,379	5,469	5,647	3,698	2,086	5,735	5,913	6,168	6,339	5,234	5,348	2,668	3,634	9,889	2,263	3,198	5,910
Others	2,177	2,506	2,320	2,677	3,439	2,450	1,971	3,260	1,114	1,594	2,183	2,350	1,106	1,741	1,368	1,284	730	627	644	1,141	771	759	642
Total	238,969	223,707	218,345	225,979	205,009	179,028	175,351	154,511	146,030	133,186	140,425	144,219	131,162	113,844	112,470	108,006	106,744	104,516	101,446	116,366	101,102	113,341	132,763

INDEX

/xl/drawings/drawing5.xml#Sum%C3%A1rio!A1

Receitas e Despesas

OTHER OPERATING INCOME AND EXPENSES (R$ thousand)	2022	2021	2020	2019	2018	2017
3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q
Recovery of charges and expenses	83,398	76,949	20,252	61,545	56,538	51,983	32,127	33,068	36,298	27,629	32,330	52,773	59,218	72,508	65,820	66,446	64,873	43,862	32,647	33,957	37,863	43,595	21,858
Indexation / foreign exchange	19,925	12,397	9,371	6,549	7,064	7,115	8,534	9,324	3,075	3,566	8,242	7,677	15,525	9,436	6,841	24,891	8,642	108	(1,180)	45,802	(5,034)	(11,194)	(11,779)
Discounts granted	(74,175)	(46,277)	(52,508)	(33,617)	(26,554)	(33,007)	(22,965)	(38,846)	(25,924)	(24,258)	(24,108)	(60,219)	(22,280)	(12,636)	(7,372)	(15,300)	(11,587)	(9,173)	(8,306)	(2,979)	(6,260)	(4,252)	(13,326)
Loss on loan/financing operations and frauds	(56,878)	(64,598)	(25,615)	(21,507)	(17,925)	(19,071)	(16,250)	(12,720)	(15,433)	(11,046)	(11,104)	(13,495)	(16,815)	(14,388)	(11,941)	(17,727)	(13,313)	(13,195)	(9,959)	(13,820)	(14,795)	(15,948)	(13,921)
Liens	(7,930)	(6,669)	(6,887)	(7,049)	(7,588)	(9,961)	(11,240)	(11,790)	(8,816)	(5,122)	(7,496)	(7,568)	(6,620)	(5,856)	(5,880)	(5,525)	(5,069)	(4,389)	(4,556)	(3,938)	(3,907)	(4,227)	(6,643)
Amortization of goodwill	(32,017)	(36,191)	(7,242)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)	(6,263)
Others	(21,833)	(2,131)	(11,245)	(6,899)	(5,751)	(17,603)	2,798	(3,763)	(9,855)	(1,951)	(1,012)	(10,134)	6,761	(4,749)	1,447	21,535	(2,570)	(3,095)	(8,238)	(6,396)	(20,920)	17,071	(17,877)	- 0
Total	(89,510)	(66,520)	(73,874)	(7,241)	(479)	(26,807)	(13,259)	(30,990)	(26,918)	(17,445)	(9,411)	(37,229)	29,525	38,053	42,652	68,058	34,713	7,855	(5,855)	46,363	(19,316)	18,782	(47,950)	-

INDEX

/xl/drawings/drawing6.xml#Sum%C3%A1rio!A1

Rendas Op. Créd. e Arrend. Merc

INCOME FROM CREDIT AND LEASING OPERATIONS (R$ thousand)	2022	2021	2020	2019	2018	2017
3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q
Profit on credit assignments	1,043,114	929,426	458,465	409,230	632,972	655,380	312,378	875,237	638,225	1,013,234	276,714	675,708	435,215	387,714	273,981	275,945	350,085	350,708	470,060	478,338	566,869	834,006	792,740
Assignment performance bonus	23,826	57,883	40,116	67,595	76,192	87,894	123,142	127,512	160,038	138,981	181,901	250,495	251,406	232,898	230,355	215,097	178,605	200,138	142,426	84,343	98,999	86,259	92,308
Payroll-deductible loan	448,636	492,679	399,927	488,705	584,505	647,630	597,756	610,600	544,196	533,464	546,112	559,098	564,083	563,537	515,343	487,140	460,053	448,268	416,748	423,943	458,854	474,392	482,603
Personal Loan - FGTS	198,963	248,872	269,364	163,296	26,103	33	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Vehicles	960,512	898,581	857,619	836,696	793,031	732,245	658,172	578,345	524,258	506,145	519,385	502,254	485,206	465,264	444,103	431,652	411,974	398,704	386,242	385,953	379,629	392,880	311,952
Credit cards (credit card and payroll-deductible card)	448,200	413,501	423,129	404,614	344,418	313,708	266,858	235,985	220,904	241,602	237,002	218,559	206,821	192,924	182,715	181,001	180,807	181,566	176,695	173,079	171,178	175,686	171,598
Recovery of credits written off as losses	63,050	98,117	89,183	123,981	175,694	102,924	81,851	82,473	66,158	48,643	89,262	58,824	57,819	71,132	52,568	70,241	72,091	54,143	49,127	74,225	86,346	53,510	57,878
Companies	- 0	- 0	- 0	- 0	36,503	41,776	39,311	37,478	33,675	34,109	35,451	35,654	40,399	40,626	39,779	33,996	49,469	70,899	61,876	71,315	80,657	116,408	114,063
Personal Loan	68,452	73,267	77,675	68,174	45,676	37,528	27,385	13,226	2,588	104	9	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Real estate	8,066	12,660	11,231	10,316	16,871	20,318	11,591	30,295	19,753	14,638	18,172	14,022	13,015	22,369	14,157	24,063	28,788	24,309	28,168	27,211	22,198	26,500	37,771
Others	40,175	37,792	35,781	37,918	2,130	1,525	840	421	209	76	25	4	2	3	43	50	247	79	145	291	525	(26,168)	28,461	0
Adjustment to market value - Retail Portfolio	354,849	(79,434)	22,739	83,030	(324,196)	(14,248)	(511,452)	73,509	(183,057)	66,872	89,720	(49,152)	979	121,123	(46,025)	108,005	(11,450)	(115,695)	9,572	(49,913)	19,966	(43,212)	46,657
Total	3,657,843	3,183,344	2,685,229	2,693,555	2,409,899	2,626,713	1,607,832	2,665,081	2,026,947	2,597,868	1,993,753	2,265,466	2,054,945	2,097,590	1,707,019	1,827,190	1,720,669	1,613,119	1,741,059	1,668,785	1,885,221	2,090,261	2,136,031
Credit cards (credit card and payroll-deductible card)	448,200	413,501	423,129	404,614	344,418	313,708	266,858	235,985	220,904	241,602	237,002
Payroll-deductible card	208,682	231,597	224,509	219,585	170,445	143,289	102,565	163,149	166,514	162,089	166,588
Credit card	239,518	181,904	198,620	185,029	173,973	170,419	164,293	72,836	54,390	79,513	70,414

INDEX

/xl/drawings/drawing7.xml#Sum%C3%A1rio!A1

Títulos Valores Mobiliários

MARKETABLE SECURITIES (R$ thousand)	2022	2021	2020	2019	2018	2017
Sep	Jun	Mar	Dec	Sep	Jun	Mar	Dec	Sep	Jun	Mar	Dec	Sep	Jun	Mar	Dec	Sep	Jun	Mar	Dec	Sep	Jun	Mar
Own portfolio:
National Treasury Notes (NTN)	5,118,311	6,465,984	4,803,142	4,223,359	2,968,611	1,376,976	1,805,032	686,952	1,297,396	1,057,339	621,101	550,051	553,313	443,163	460,158	391,264	169,330	139,075	82,025	70,673	84,212	27,443	157,135
Financial Treasury Bills (LFT)	88,852	390,947	349,755	423,691	445,699	503,208	676,020	544,907	764,457	852,020	531,080	177,520	206,335	277,966	308,414	621,156	551,834	161,014	128,188	87,598	158,309	87,816	193,344
Mortgage-backed securities (CRI)	211,576	213,055	214,807	218,233	223,803	224,973	223,558	223,355	237,676	231,104	229,527	244,318	249,460	242,494	234,216	230,908	247,090	232,852	266,773	268,823	266,092	271,670	259,752
Bank Deposit Certificates (CDB)	1,477	2,136	80,966	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	428	421	416	409	403	600	2,519	2,462
Shares in Investment Funds	- 0	532	1,716	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	21	23
Social Development Fund (FDS)	- 0	- 0	- 0	- 0	328	329	331	334	336	339	340	342	342	342	342	342	342	342	342	342	342	340	338
National Treasury Bills (LTN)	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	614	604	595	200,450	41,506	643	22,601	106,436	193,305	342,046	302,753
Others	- 0	- 0	50	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Subtotal	5,420,216	7,072,654	5,450,436	4,865,283	3,638,441	2,105,486	2,704,941	1,455,548	2,299,865	2,140,802	1,382,048	972,231	1,010,064	964,569	1,003,725	1,444,548	1,010,523	534,342	500,338	534,275	702,860	731,855	915,807
Subject to guarantees:
Financial Treasury Bills (LFT)	22,387	126,136	151,929	222,803	188,772	199,990	165,060	193,389	140,075	201,774	233,235	287,937	238,645	241,311	240,261	218,395	202,546	201,004	167,863	107,226	75,057	291,829	166,132
Bank Deposit Certificates (CDB)	76,911	74,861	2,435	3,527	1,880	1,058	1,119	684	921	1,923	118	104	199	169	96	2,386	2,556	2,471	2,326	2,206	3,743	14,080	14,297
National Treasury Notes (NTN)	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	79,030	68,980
Mortgage-backed securities (CRI)	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	31,079	34,235	57,943
Quotas in fixed income funds	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	20,318	2,030	5,107
Others	50	69	19	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0
Subtotal	99,348	201,066	154,383	226,330	190,652	201,048	166,179	194,073	140,996	203,697	233,353	288,041	238,844	241,480	240,357	220,781	205,102	203,475	170,189	109,432	130,197	421,204	312,459
Subject to repurchase agreements:
National Treasury Notes (NTN)	3,482,011	3,115,570	2,159,871	1,210,775	2,292	1,316,853	799,430	1,137,705	90,070	59,067	143,723	190,818	146,660	184,263	92,810	156,770	4,595	131,937	183,433	193,399	187,574	153,750	30,234
Financial Treasury Bills (LFT)	3,717	3,664	4,449	4,549	4,723	155,047	5,282	158,226	7,805	8,574	105,787	107,126	107,453	210,105	109,686	112,407	105,780	571,619	176,836	686,262	560,287	305,595	466,986
National Treasury Bills (LTN)	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	152,808	187,729	201,377	191,773	430,587	640,398	652,167
Subtotal	3,485,728	3,119,234	2,164,320	1,215,324	7,015	1,471,900	804,712	1,295,931	97,875	67,641	249,510	297,944	254,113	394,368	202,496	269,177	263,183	891,285	561,646	1,071,434	1,178,448	1,099,743	1,149,387
Linked to BACEN:
Financial Treasury Bills (LFT)	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	529,436	522,929	- 0	- 0	- 0	- 0	- 0	406,387	- 0	- 0	100,772	- 0
Subtotal	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	529,436	522,929	- 0	- 0	- 0	- 0	- 0	406,387	- 0	- 0	100,772	- 0	- 0
Total Marketable Securities	9,005,292	10,392,954	7,769,139	6,306,937	3,836,108	3,778,434	3,675,832	2,945,552	2,538,736	2,412,140	1,864,911	2,087,652	2,025,950	1,600,417	1,446,578	1,934,506	1,478,808	1,629,102	1,638,560	1,715,141	2,011,505	2,353,574	2,377,653
Derivative Financial Instruments:
Difference receivable on swaps	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	288,103	386,026	251,744	316,128	275,298	416,046	324,026	154,796	171,366	133,735	184,330	144,121
Options	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	3,860	2,677	779	- 0	1	128	- 0	628
Total Derivative Financial Instruments	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	826,640	288,103	386,026	251,744	316,128	279,158	418,723	324,805	154,796	171,367	133,863	184,330	144,749
Total	9,005,292	10,392,954	7,769,139	6,306,937	3,836,108	3,778,434	3,675,832	2,945,552	2,538,736	2,412,140	2,691,551	2,375,755	2,411,976	1,852,161	1,762,706	2,213,664	1,897,531	1,953,907	1,793,356	1,886,508	2,145,368	2,537,904	2,522,402	- 0

INDEX

/xl/drawings/drawing8.xml#Sum%C3%A1rio!A1

Operações de Crédito

CREDIT OPERATIONS (R$ thousand)	2022	2021	2020	2019	2018	2017
Sep	Jun	Mar	Dec	Sep	Jun	Mar	Dec	Sep	Jun	Mar	Dec	Sep	Jun	Mar	Dec	Sep	Jun	Mar	Dec	Sep	Jun	Mar
Payroll Deduction Loans + Personal loan FGTS	15,597,803	15,855,701	16,250,891	15,516,590	15,123,413	15,413,836	14,768,672	15,127,157	13,273,788	12,927,482	13,275,258	12,506,310	12,881,915	12,284,990	11,751,322	10,824,158	10,265,143	9,911,238	9,499,287	9,009,442	8,930,363	9,220,535	9,617,633
Vehicle Financing	15,925,303	15,354,480	15,238,299	14,885,339	14,233,165	13,548,666	12,555,069	11,298,543	9,919,865	9,458,285	9,426,621	8,964,304	8,325,548	7,877,170	7,502,154	7,076,746	6,644,424	6,349,514	6,217,342	6,005,004	5,871,468	5,805,262	5,654,135
Credit Cards	3,766,410	3,939,722	3,835,681	3,648,664	3,117,667	2,622,470	2,078,319	1,772,341	1,422,410	1,213,700	1,139,151	1,086,686	953,237	862,082	833,613	876,712	831,937	846,445	871,602	915,646	869,027	897,578	915,955
Personal Loan	512,167	509,528	559,503	470,182	358,990	217,491	164,235	73,616	23,283	2,579	480	25	-	-	-	-	-	-	-	-	-	-	-
Run Off	359,523	380,395	358,804	374,948	429,166	552,353	593,302	635,814	660,595	1,128,036	1,179,511	1,227,701	1,389,517	1,511,337	1,667,320	1,796,428	1,962,430	2,290,305	2,513,266	2,714,598	3,128,209	3,567,339	3,948,602
Total Expanded Credit Portfolio	36,161,206	36,039,826	36,243,178	34,895,723	33,262,401	32,354,816	30,159,597	28,907,471	25,299,941	24,730,082	25,021,021	23,785,025	23,550,217	22,535,579	21,754,409	20,574,043	19,703,934	19,397,502	19,101,497	18,644,690	18,799,067	19,490,714	20,136,325
Payroll Deduction Loans + Personal loan FGTS	15,597,803	15,855,701	16,250,891	15,516,590	15,123,413	15,413,836	14,768,672	15,127,157	13,273,788	12,927,482	13,275,258	12,506,310	12,881,915	12,284,990	11,751,322	10,824,158	10,265,143	9,911,238	9,499,287	9,009,442	8,930,363	9,220,535	9,617,633
Payroll Deduction Loans	9,813,625	9,713,880	9,260,607	9,606,486	11,530,888	13,297,896	12,704,521	13,095,674	11,204,497	10,981,315	11,379,799	10,684,445	11,149,733	10,627,649	10,177,688	9,328,457	8,834,303	8,519,937	8,129,641	7,686,850	7,654,315	7,989,006	8,435,180
Payroll Credit Cards	3,365,003	2,284,109	2,175,259	2,172,788	2,119,687	2,089,320	2,064,151	2,031,483	2,069,291	1,946,167	1,895,459	1,821,865	1,732,182	1,657,341	1,573,634	1,495,701	1,430,840	1,391,301	1,369,646	1,322,592	1,276,048	1,231,529	1,182,453
Personal loan FGTS	2,419,175	3,857,712	4,815,025	3,737,316	1,472,838	26,620	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

INDEX

/xl/drawings/drawing9.xml#Sum%C3%A1rio!A1

Despesas de depositos- captaçao

FUNDING EXPENSES (R$ thousand)	2022	2021	2020	2019	2018	2017
3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q
Time deposits	555,251	749,596	620,808	566,966	251,528	361,196	145,514	377,629	225,586	289,390	281,060	342,361	340,240	369,717	287,533	331,162	223,744	137,317	211,295	144,935	176,119	129,176	159,961
Interbank deposits	98,718	98,351	95,384	75,783	56,488	54,292	46,096	45,686	48,965	71,897	96,182	96,282	107,616	124,010	125,252	132,489	139,970	133,501	138,475	188,793	279,900	339,187	383,354
Financial bills	404,124	355,551	269,786	210,101	160,287	83,903	32,979	27,764	29,407	21,808	18,830	22,276	25,442	18,604	15,930	15,888	14,532	11,567	18,813	19,947	21,911	26,857	35,950
Purchase and sale commitments	97,138	97,393	34,828	14,950	1,957	9,747	5,801	1,488	432	1,553	2,219	3,530	4,019	3,632	4,431	2,608	7,186	13,391	14,738	22,588	31,997	24,310	61,730
Contributions to the deposit guarantee fund	7,139	7,661	7,285	6,615	5,804	5,277	4,800	4,668	4,097	3,578	3,576	3,814	3,834	3,515	3,089	2,884	2,570	2,558	2,585	2,362	2,137	1,979	1,866
Credits assigned with retention of risk	7,043	8,358	9,287	10,820	12,866	3,676	2,460	2,795	3,258	3,823	4,771	3,811	6,745	7,824	9,255	11,686	12,875	9,912	5,318	6,920	8,340	10,147	17,835
Housing loan bills	4,564	3,986	4,689	4,366	4,110	3,077	1,783	1,725	1,946	2,762	3,037	4,601	5,942	8,129	7,957	9,182	12,367	15,256	18,271	22,287	30,966	37,472	48,004
Foreign exchange variations	- 0	- 0	- 0	(38)	- 0	- 0	- 0	- 0	- 0	38,690	533,533	(61,073)	151,746	(29,463)	10,004	(58,972)	67,651	243,014	7,217	63,951	(64,043)	63,860	(41,431)
Marketable securities issued abroad and subordinated debts	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	16,617	67,318	34,366	37,022	47,915	75,003	(6,002)	63,236	55,286	(7,812)	37,790	13,674	57,239	17,198
Agribusiness letters of credit	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	- 0	42	79	84	355	633	1,225	1,339	2,262	4,196	5,097	6,769
Total	1,173,977	1,320,896	1,042,067	889,563	493,040	521,168	239,433	461,755	313,691	444,442	1,009,655	449,968	682,648	553,962	538,538	441,280	544,764	623,027	410,239	511,835	505,197	695,324	691,236

INDEX

/xl/drawings/drawing10.xml#Sum%C3%A1rio!A1

Bridge_ROE_Capa

Accounting to managerial bridge (R$ MM)	3Q22	2Q22
Managerial	Adjustment	Accounting	Managerial	Adjustment	Accounting
Accouting Interest Margin	1,878	-	1,878	1,876	-	1,876
Credit Provisions	(595)	-	(551)	(565)	-	(565)
Financial Interm. Gross Result	1,327	-	1,327	1,312	-	1,312
Income from services rendered	271	-	271	236	-	236
Personnel Expenses	(239)	-	(239)	(224)	-	(224)
Other administrative expenses	(866)	-	(866)	(888)	-	(888)
Tax Expenses, provisions and others	(258)	-	(258)	(198)	-	(198)
Goodwill Amortization	-	32	(32)	- 0	36	(36)
Non-operating results	(1)	-	(1)	8	-	8
Profit before taxation	236	32	204	245	36	209
Provision for Income Tax and CSLL	(42)	(10)	(32)	(52)	(12)	(40)
Non-controlling interests	(0)	-	(0)	(0)	-	(0)
Net Income	193	22	171	194	25	169
ROE	11.7%	8.8%	11.9%	8.8%

INDEX

/xl/drawings/drawing11.xml#Sum%C3%A1rio!A1

Indicators

Indicators	2022	2021	2020
3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q
Clients
Total Clients (#MM)	22.2	20.9	19.4	17.1	15.2	12.4	10.0	7.6	6.4	5.6	5.2
Banking Clients (#MM)	33.8	16.1	14.7	12.7	11.0	8.4	6.0	- 0	- 0	- 0	- 0
CAC (R$)	7.0	34.6	37.0	34.6	44.7	62.2	52.0	- 0	- 0	- 0	- 0
Transacted Volume (R$MM)	22.1	21.5	19.6	18.7	13.8	7.3	4.6	3.7	2.3	1.4	1.2
Profitability
Adjusted Net Income (R$ MM)	193	194	196	190	191	202	190	171	170	144	171
ROE (% p.y.)	11.7%	11.9%	13.4%	13.3%	13.6%	14.7%	14.2%	13.0%	13.2%	11.4%	13.7%
Expenses
Personnel and Administrative Expenses (R$MM)	613	607	561	563	525	498	451	452	394	361	359
Origination Expenses (R$MM)	491	505	386	435	506	524	420	539	320	231	294
Insurance
Active Clients (MM)	2.0	1.6	1.5	1.3	1.2	1.1	0.9	0.9	0.8	0.7	0.7
Insurance Premiuns (R$ MM)	163	143	131	124	131	160	166	150	105	67	90
Capital & Equity
Equity (R$MM)	7,792	7,719	7,672	5,799	5,676	5,559	5,434	5,317	5,221	5,113	5,022
Basel Ratio (%)	16.6%	17.0%	16.5%	15.4%	15.3%	15.6%	15.9%	15.9%	16.5%	15.9%	15.7%
RWA (R$MM)	31,867	30,631	31,832	29,340	27,735	26,286	24,538	22,926	20,685	20,568	20,516
Funding Sources (R$Bn)	37.5	37.5	36.2	34.7	34.7	32.5	30.2	28.0	27.0	27.0	25.5
Time Depositos	21.3	22.0	21.2	20.3	20.3	18.2	15.7	14.3	12.7	12.7	12.2
Bank Notes	11.7	11.3	10.0	9.2	9.2	9.8	9.9	5.4	5.0	5.0	4.3
Interbank Deposits	2.8	2.6	3.3	3.5	3.5	3.4	3.5	7.8	8.8	8.8	8.5
Letters of Credit	0.2	0.1	0.2	0.2	0.2	0.3	0.3	0.3	0.3	0.3	0.3
Other	1.6	1.5	1.5	1.6	1.6	0.8	0.7	0.2	0.2	0.2	0.2

INDEX

/xl/drawings/drawing12.xml#Sum%C3%A1rio!A1

Marketplace

Mosaico	2022	2021
3Q	2Q	1Q	4Q	3Q	2Q	1Q
Offers (#MM)	270	247	213	180	121	80	75
GMV (R$MM)	731	670	775	1,328	819	903	1,015
Take Rate (%)	8.3%	7.7%	7.4%	6.7%	6.9%	5.9%	5.7%
Revenue (R$MM)	66	55	60	91	57	53	58

INDEX

/xl/drawings/drawing13.xml#Sum%C3%A1rio!A1

Métricas de Crédito

Credit Metrics	2022	2021	2020
3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q
Credit Portfolio (R$Bn)	36.2	36.0	36.2	34.9	33.3	32.4	30.2	28.9	25.3	24.7	25.0
Payroll + FGTS Loan	15.6	15.9	16.3	15.5	15.1	15.4	14.8	15.1	13.3	12.9	13.3
Vehicles	15.9	15.4	15.2	14.9	14.2	13.6	12.6	11.3	9.9	9.5	9.4
Credit Cards	3.8	3.9	3.8	3.7	3.1	2.6	2.1	1.8	1.4	1.2	1.1
Personal Loan	0.5	0.5	0.6	0.5	0.4	0.2	0.2	0.1	0.0	- 0	- 0
Others	0.4	0.4	0.4	0.4	0.4	0.6	0.6	0.6	0.7	1.1	1.2
Delinquency Ratio (%)
Over 90	6.8%	6.8%	6.8%	6.3%	5.8%	5.4%	5.0%	5.5%	6.7%	7.0%	5.7%
Over 15-90	8.4%	8.4%	8.6%	7.8%	7.5%	7.5%	7.8%	6.3%	7.3%	8.9%	9.0%
Credit Cost (%)
Net Provision Expenses/Average Portfolio	5.4%	5.2%	5.7%	4.8%	4.6%	3.7%	3.2%	3.6%	4.8%	5.9%	3.8%
Net Provision Expenses (R$ MM)	488	466	506	408	378	285	233	247	300	366	233
Net Interest Margin (%)
NIM	17.9%	17.8%	17.5%	18.4%	19.3%	20.5%	18.6%	21.9%	20.5%	19.1%	18.3%
NIM ex- assignments	13.5%	14.1%	15.0%	17.9%	17.5%	17.5%	15.9%	15.8%	14.2%	13.4%	14.3%
NIM after credit cost	12.6%	12.3%	11.5%	12.6%	12.9%	15.6%	14.4%	17.1%	14.7%	12.4%	13.0%
Credit Origination (R$MM)	7,670	6,697	5,983	6,900	7,069	7,314	4,941	8,145	5,356	4,795	4,250
Payroll	4,043	3,767	1,599	1,958	3,063	4,660	2,148	5,396	3,615	3,725	2,799
Vehicles	2,407	2,066	2,022	2,345	2,331	2,514	2,673	2,683	1,715	1,066	1,450
EP Clean + LE	206	177	242	237	232	114	121	66	25	3	1
FGTS Loan	1,014	687	2,120	2,361	1,443	27	- 0	- 0	- 0	- 0	- 0
Payroll
Average Ticket (R$ thousands)	7.8	5.9	4.4	6.5	5.7	3.9	6.4	4.1	5.1	5.4	2.4
Duration (months)	36	36	35	35	36	36	35	36	34	33	32
FGTS Loan
Average Ticket (R$ thousands)	0.6	1.1	1.3	1.6	1.7	1.6	- 0	- 0	- 0	- 0	- 0
Duration (months)	29	29	26	24	24	17	- 0	- 0	- 0	- 0	- 0
Vehicles
Average Ticket (R$ thousands)	34.0	32.7	31.4	31.6	30.9	29.3	27.5	25.3	24.9	24.8	26.0
Duration (months)	19	19	19	19	19	19	19	19	18	18	18
Motorcycles
Average Ticket (R$ thousands)	17.1	16.3	15.7	14.7	14.3	13.9	13.7	13.0	12.6	12.8	12.5
Duration (months)	16	16	16	16	16	16	16	16	16	16	16
Cartões
TPV Cards (R$MM)	5.0	5.4	4.9	5.4	4.5	3.4	2.6	2.4	1.7	1.2	1.1
New Credit Cards (thousands)	173	224	316	352	708	691	716	553	408	198	258

INDEX

/xl/drawings/drawing14.xml#Sum%C3%A1rio!A1