v3.26.1
Consolidated balance sheets
R$ in Thousands, $ in Millions
Dec. 31, 2025
BRL (R$)
Dec. 31, 2024
BRL (R$)
Current assets    
Cash and cash equivalents R$ 1,857,507 R$ 927,668
Financial investments 590,014 487,924
Compulsory reserve 4,271,581 4,761,404
Accounts receivable 55,563,067 56,167,315
Credit portfolio 2,039,215 1,461,223
Receivables from related parties 10,102 9,082
Derivative financial instruments 4,924 58,470
Inventories 0 1,642
Recoverable taxes 366,105 551,722
Other receivables 230,538 194,465
Total current assets 64,933,053 64,620,915
Non-current assets    
Accounts receivable 498,357 483,165
Credit portfolio 2,167,152 1,691,570
Receivables from related parties 15,800 22,767
Recoverable taxes 745,555 318,197
Judicial deposits 116,220 79,591
Deferred income tax and social contribution 86,979 95,872
Other receivables 134,927 89,902
Property and equipment 2,539,077 2,572,336
Intangible assets 3,172,403 2,926,302
Total non-current assets 9,476,470 8,279,702
Total assets 74,409,523 72,900,617
Current liabilities    
Payables to third parties 10,837,816 11,557,648
Checking accounts 12,243,699 12,030,573
Obligations to FIDC quota holders 1,171,463 134,375
Banking issuances 18,947,864 12,677,098
Borrowings 2,436,846 4,521,503
Derivative financial instruments 123,951 69,969
Trade payables 606,743 663,229
Dividends payables 184,686 0
Payables to related parties 321,282 116,383
Salaries and social security charges 383,530 402,643
Taxes and contributions 297,952 280,762
Provision for contingencies 87,291 43,820
Deferred revenue 97,727 128,849
Other liabilities 42,202 117,630
Total current liabilities 47,783,052 42,744,482
Non-current liabilities    
Payables to third parties 55,931 84,570
Obligations to FIDC quota holders 0 1,017,009
Banking issuances 9,480,130 11,412,136
Payables to related parties 459,116 1,014,863
Deferred income tax and social contribution 1,793,638 1,790,362
Provision for contingencies 121,342 71,140
Deferred revenue 12,253 16,579
Other liabilities 64,491 81,104
Total non-current liabilities 11,986,901 15,487,763
Total liabilities 59,769,953 58,232,245
Equity    
Share capital 26 26
Treasury shares (1,329,378) (1,367,678)
Capital reserve 4,875,111 6,133,864
Retained earnings 11,324,060 10,007,444
Equity valuation adjustments (22,372) (22,372)
Other comprehensive income (207,877) (82,912)
Total equity 14,639,570 14,668,372
Total liabilities and equity R$ 74,409,523 R$ 72,900,617