Capital Management (Tables)
|
12 Months Ended |
Dec. 31, 2025 |
|---|
| Capital Management |
|
| Schedule of capital adequacy |
| Schedule of capital adequacy |
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|
| |
As of December 31, |
| Capital Adequacy |
2025 |
2024 |
| Referential Equity (PR) |
3,876,865 |
2,443,053 |
| Referential Equity - Tier I |
3,549,410 |
2,077,838 |
| Referential Equity - Tier II |
327,455 |
365,215 |
| Risk-Weighted Assets (RWA) |
25,008,421 |
17,481,130 |
| Credit Risk (RWAcpad) |
22,483,368 |
15,192,006 |
| Market Risk (RWAmpad) |
227,428 |
9,290 |
| Operational Risk (RWAopad) |
2,297,625 |
2,279,834 |
| Banking Risk (RBAN) |
699,475 |
942,939 |
| Full Exposure |
48,936,525 |
30,034,082 |
| Capital Adequacy Ratio (PR/RWA) |
15.50% |
13.98% |
| Capital Adequacy Ratio (PR/RWA+RBAN) |
15.08% |
13.26% |
| Leverage Ratio |
7.25% |
6.92% |
|
| Schedule of referential equity |
| Schedule of referential equity |
|
|
| |
As of December 31, |
| Composition of Referential Equity (PR) |
2025 |
2024 |
| Equity |
5,277,257 |
2,719,761 |
| Prudential Adjustments to Tier 1 Capital |
(1,956,689) |
(641,923) |
| Referential Equity |
3,320,568 |
2,077,838 |
|
Complementary Capital
|
228,842 |
- |
| Tier I |
3,549,410 |
2,077,838 |
| Instruments Eligible for Tier II |
327,455 |
365,215 |
| Tier II |
327,455 |
365,215 |
| Referential Equity |
3,876,865 |
2,443,053 |
|
| Schedule of subordinated letters of credits |
| Schedule of subordinated letters of credits |
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As of December 31, |
| Financial Instrument |
Principal |
Issuance |
Maturity |
Remuneration |
2025 |
2024 |
| Subordinated Letters of Credits |
30,000 |
May/19 |
Apr/25 |
11.7% |
- |
55,641 |
| Subordinated Letters of Credits |
20,000 |
Apr/20 |
Apr/26 |
10.5% |
35,200 |
31,865 |
| Subordinated Letters of Credits |
15,000 |
nov/21 |
nov/27 |
CDI + 4% |
28,680 |
24,127 |
| Subordinated Letters of Credits |
300 |
May/22 |
Jun/29 |
16.9% |
523 |
448 |
| Subordinated Letters of Credits |
2,900 |
May/22 |
May/29 |
CDI + 4% |
5,166 |
4,346 |
| Subordinated Letters of Credits |
39,300 |
May/22 |
May/29 |
16.4% a 16.7% |
67,971 |
58,401 |
| Subordinated Letters of Credits |
900 |
Jun/22 |
Jun/29 |
CDI + 4% |
1,587 |
1,335 |
| Subordinated Letters of Credits |
600 |
Jun/22 |
Jun/29 |
17.3% a 17.6% |
1,058 |
902 |
| Subordinated Letters of Credits |
10,200 |
Jun/22 |
Jun/29 |
17% a 17.4% |
17,800 |
15,211 |
| Subordinated Letters of Credits |
1,500 |
Jun/22 |
jul/29 |
17.3% a 17.6% |
2,627 |
2,239 |
| Subordinated Letters of Credits |
92,700 |
Jul/22 |
Jul/29 |
CDI + 4% |
161,666 |
136,010 |
| Subordinated Letters of Credits |
58,200 |
Jul/22 |
Jul/29 |
17.3% a 17.6% |
101,753 |
86,616 |
| Subordinated Letters of Credits |
1,200 |
Jul/22 |
Jul/29 |
17% a 17.4% |
2,095 |
1,786 |
| Subordinated Letters of Credits |
99,900 |
Mar/24 |
Mar/34 |
CDI + 2.9% |
104,372 |
103,356 |
| Total |
372,700 |
|
|
|
530,498 |
522,283 |
|